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 July 7, 2009, with a Stable Outlook.*

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.

The catastrophic world economic environment in the last half of 2008 took its toll on the balance sheets of the life insurance industry. Fidelity Life felt the impacts of these conditions on its asset and capital positions as of year-end 2008. However the decline in capital and surplus of 6.5% year was much less severe than that experienced by many competitors and reflect Fidelity Life’s commitment to maintaining its financial strength in difficult market environments.

	AS OF DECEMBER 31 (IN MILLIONS)
	2004	2005	2006	2007	2008
Total Assets	$586	$579	$553	$538	$515
Capital and Surplus	$263	$267	$279	$275	$257
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.