Tom Kilian Objectives Quotations

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.

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 agents and customers. Our 2006 objectives are increased new sales, expense reductions, actuarial analysis on our medical business and continuing to provide exceptional service.