Group Insurance

As of December 31, 2007

After a decade of remarkable growth, we are now one of the top five providers of group life insurance in the nation based on insurance in force.

With insurance in force reaching $521 billion – a 12 percent increase over 2006 – we continued our record of fast growth in the group insurance market in 2007. Premium revenue grew $126 million to $877 million, a 17 percent increase.

We continued our history of exceptional revenue growth based on a combination of outstanding client retention, vigorous sales and service excellence. New sales totaled $129 million in annual premium, including sales to 31 Fortune 1000-type organizations.

Service to customers is of paramount importance, and in 2007, we retained 99 percent of in-force premium, an excellent indicator of the high caliber of our service. We also enhanced our technology advantage by introducing a new generation of participant web sites to support customer contact, beneficiary management and evidence of insurability processing. LifeBenefits.com, our web site for employees at client companies and organizations, received the highest rating in the life insurance industry from the Customer Respect Group.

In 2007, we continued our pursuit of strategic alliances to help bring health and wellness, will preparation and travel assistance services to employers and employees alike. Through our exclusive eNroll-zone™ program, we expanded our capabilities for increasing employee participation in voluntary coverage plans.

A survey conducted by Gestalt, Inc. indicated that 99 percent of Group Insurance clients were satisfied with our service and 99 percent would recommend us. Our Net Promoter®*Score, a measure of customer loyalty that was derived from the survey result, reflects the highest client loyalty in the industry.

* Net Promoter® is a registered trademark of Bain & Company and Satmetrix Systems, Inc.

» Learn more at www.lifebenefits.com

New sales plus excellent persistency drove a 12 percent increase in insurance in force to over $521 billion.