Group Insurance

As of December 31, 2008

Following a decade of strong growth, we are among the largest group life insurers in the nation, measured by insurance in force, which grew nearly 18 percent in 2008 to $613 billion.

We are consistently among the industry leaders in premium revenue growth due to a combination of outstanding retention, vigorous sales and service excellence. In 2008, revenue grew 15 percent to a record $1 billion. Record sales of $166 million were 29 percent over 2007 results.

Our fundamental goal is to be the best provider of group life insurance in the United States. In 2008, we began an investment in technology and service capabilities that will enhance our already-strong technology.

We enhanced web services that support evidence of insurability processing and multilingual service. We also introduced an industry-first option for beneficiaries to have claim payments deposited directly into their bank accounts, increasing security while decreasing costs.

Our web site, LifeBenefits.com, received the highest rating in the life insurance industry from The Customer Respect Group. Our Net Promoter® Score*, a measure of customer loyalty, is unmatched in the industry.

*Net Promoter Score®, a registered trademark of Bain & Company and Satmatrix Systems, Inc., is calculated based on a biannual survey of our clients that asks how likely they are, on a scale from 0-10, to recommend us to a colleague or friend. Our 2007 score of 98 percent remains unmatched in the industry.

» Learn more at www.lifebenefits.com