Financial Strength

With a very strong capital base, Fidelity Life offers the security of an A-(Excellent) rating from A.M. Best, the leading provider of ratings, news and financial data for insurance companies. This rating was reaffirmed on June 18, 2008.*

A.M. Best financial strength ratings are based on evaluations of a company’s balance sheet, operating performance and business profile, and constitute an opinion of an insurer’s financial strength and ability to meet obligations to its policyholders.

As the charts below indicate, Fidelity Life has been able to grow its surplus $25 million over the past four years, while maintaining its strong asset base. This financial growth provides the company with capital to expand its operations both organically; through the development of new insurance and annuity products, and through mergers, acquisitions and other strategic transactions.

AS OF DECEMBER 31 (IN MILLIONS)
	2003	2004	2005	2006	2007
Total Assets	$577	$586	$579	$553	$538
Surplus	$250	$263	$267	$279	$275
All amounts are based on Statutory Accounting Practices

*For the latest rating, access www.ambest.com

Fidelity Life Association, A Legal Reserve Life Insurance Company.