In 2005, we also faced challenges in both our segments. Results in our Senior Segment were impacted by a higher-than-anticipated Medicare supplement loss ratio. Our Medical Segment was affected by increased severity of larger dollar...

Product development remains an initiative in our Medical Segment. During the year we plan to continue to enhance our individual/association plans as well as review our small employer group products. We plan to explore new...

We were encouraged that the premiums in the Medical Segment increased from the third to the fourth quarter, ending a long trend. In addition, we were pleased with the sales results that rose substantially compared...

We believe we have put in place an aggressive but achievable plan to reach our goals this year. As an integral part of this, we will continue to sharpen our marketing focus in each of...

In closing, we are extremely enthusiastic about all of our strategic plans. We remain committed to our long-term strategy. Simply stated, we believe that our core objectives position us well for positive results going forward.

Our Senior Segment premiums rose 13%, or $23.6 million, for the year compared to 2004 due to new business and 2005 rate increases. To improve our results going forward, we believe that we implemented the...

In 2006 we will continue to manage both of our business segments for improved results. Our 2005 strategic initiatives included product development, increased new sales, actuarial and pricing analysis, and providing exceptional services to our...

Finally, in both of our segments we remain committed to providing ‘World Class Sales Support’ to agents. Over the past two years we have made significant enhancements to our marketing platform, which we believe will...