These 25 United States Life Insurance Companies have been in business for an average of over 100 years and own a major portion of the invested assets and life insurance in force of all the companies.  Thus, a favorable comparison of the financial ratios for the company featured herein with the 25 largest companies can be indicative of the company's financial stability.

KEY FINANCIAL RATIOS - DERIVED FROM THE ANNUAL STATEMENTS AS OF DECEMBER 31, 2009

The 25 largest companies are 25 of the largest by the amount of Admitted Assets as of December 31, 2009

 SOLVENCY

(Assets for each $100 of liabilities)

A high ratio of Assets over Liabilities is a significant safety factor.  This indicates that a company has enough assets to cover its liabilities and to meet all obligations as they become due.

Assets for each $100 of Liabilities as of December 31, 2009

 LIQUID ASSETS

Assets in Bonds, Stocks, Cash and Short-Term Investments for each $100 of Liabilities

This ratio measures a company's ability to meet its anticipated obligations to certificate holders.  A high ratio indicates a more liquid investment position with which an insurer can meet unforeseen emergency cash requirements that may arise.

The following ratios are per $1000 of life insurance in force. They show further proof of financial strength and stability:

FINANCIAL STATEMENT SUMMARY AS OF DECEMBER 31, 2009

CONCLUSION

Based on the financial results achieved in the year ending 2009, the comparative analysis made of the organization featured herein is favorable when compared to the aggregate averages of 25 of the largest life insurance companies.

Disclaimer:  Standard Analytical Service, Inc., is independent of any insurance company or companies, and we do not sell any kind of insurance. Our financial reports and comparisons, reprints of which are paid for by the companies, are based on statutory financial statements filed with the state insurance departments.

This report should not be interpreted as an analysis of the stock value of a capital stock company, nor is it intended to imply that the company featured will be as successful or is better than the companies making up the aggregate averages, nor is it a recommendation or analysis of the specific policy provisions, rates, or claims practices of the organization featured.  Its use for all companies, stock, mutual, or fraternal, is intended to serve as a guide with respect to the current financial responsibility of the individual company featured herein, based upon the current statutory financial statements on file with the state insurance departments where they are available for public inspection.

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Publishers of Independent Insurance Reports since 1932