Forward Looking Statement

Cautionary Statement Regarding Forward Looking Information

Statements in this web site, and in any other statements made by officers of the Company in oral discussions and contained in documents filed with the Securities and Exchange Commission, may relate to anticipated financial performance, business prospects, new products, and similar matters. These statements and others, which include words such as "expect", "anticipate", "believe", "intend", and other similar expressions, constitute forward-looking statements under the Private Securities Litigation Reform Act of 1995. The Private Securities Litigation Reform Act of 1995 provides a safe harbor for these types of statements. In order to comply with the terms of the safe harbor, please note that a variety of factors could cause our actual results and experiences to differ materially from the anticipated results or other expectations expressed in our forward-looking statements. The risks and uncertainties that may affect the operations, performance, development and results of our business include but are not limited to the following:

• Changes to interest rate levels and stock market performance may impact our lapse rates, market value of our investment portfolio and our ability to sell life insurance products, notwithstanding product features to mitigate the financial impact of such changes.
• Little or no gains in the entire series of call options purchased over the life of index annuities could cause us to incur expenses for credited interest over and above our option costs. This would cause our spreads to tighten and reduce our profits, or potentially result in losses on these products.
• The degree to which customers and agents (including the agents of our alliance partners) accept our products will influence our future growth rate.
• Extraordinary acts of nature or man may result in higher than expected claim activity.
• Changes in federal and state income tax laws and regulations may affect the relative tax advantage of our products.

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