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1

2 About me Broker Sell off blocks, shells, companies.. 2

3 Decision Buy/Sell Why? Identify Broker 3

4 Partner Type of Buyer Financial Ability Philosophical Position Ability to Assimilate Distribution Methods 4

5 Conference Call Meet at Location (Buyer/Seller) Listener and Facilitator 5

6 Cost Analysis Touch Points for Transaction What Seller/Buyer Wants to Accomplish Price EBITDA Lives Ins Revenue 6

7 Schedule Due Diligence 7

8 Renegotiate New Era 8

9 9

10 Buyers 10

11 Sellers 11

12 Timing Corporate Competition Price Bad Choice Uncontrollable Factors (Financial Markets) 12

13 Representation Broker compensation controls representation Facilitating both parties Influence Common ground 13

14 Life Health Life/Health Total Total

15 15

16 2.00x Median Historical Price / Book Value 1.80x 1.60x 1.40x 1.20x 1.22x 1.28x 1.22x 1.36x 1.31x 1.27x 1.38x 1.35x 1.42x 1.54x 1.56x 1.57x 1.59x 1.63x 1.72x 1.61x 1.48x 1.37x 1.21x 1.30x 1.00x 0.80x 0.76x 0.60x 0.40x 0.20x 0.00x Median Historical Price / LTM Normalized EPS 20.0x 18.0x 16.0x 14.0x 12.0x 17.7x 16.0x 14.3x 13.6x 14.0x 13.2x 12.9x 13.2x 14.2x 14.5x 14.4x 15.1x 15.5x 15.3x 15.2x 13.9x 12.2x 11.9x 12.2x 12.4x 10.0x 9.1x 8.0x 6.0x 4.0x 2.0x 0.0x 16

17 14.0x Median Historical Total Enterprise Value / EBITDA 12.0x 10.0x 8.0x 9.1x 8.7x 8.6x 8.4x 8.6x 8.7x 8.2x 10.3x 10.4x 12.2x 11.1x 11.5x 12.0x 10.2x 10.4x 9.5x 8.5x 8.0x 9.4x 9.4x 8.9x 6.0x 4.0x 2.0x 0.0x Median Historical Price / LTM Normalized EPS 25.0x 20.0x 18.4x 17.5x 16.4x 15.8x 15.8x 15.9x 16.2x 20.0x 17.5x 23.4x 22.5x 21.4x 22.2x 22.2x 21.3x 18.9x 18.1x 17.3x 18.2x 20.9x 18.2x 15.0x 10.0x 5.0x 0.0x 17

18 Deal Price/ Announce Target Value Price/ Tangible Price/ Date Target Name State Buyer Name ($mm) Book Book LTM EPS 09/22/2008 Ozark National Life Insurance Company AR Citizens, Inc. 8.0 NA NA NA 08/13/2008 Southern Security Life Insurance Company, Inc. MS Security National Financial Corporation NA NA NA NA 08/06/2008 Nationwide Financial Services, Inc. OH Nationwide Mutual Group NA NA NA NA 07/30/2008 First Allmerica Financial Life Insurance Company MA Goldman Sachs Group, Inc. NA NA NA NA 07/18/2008 First Life America Corporation KS First Trinity Financial Corporation NA NA NA NA 07/02/2008 National Health Insurance Company TX Southwest Insurance Partners, Inc NA NA NA 06/12/2008 HealthMarkets' life insurance companies Wilton Re Holdings Limited NA NA NA 04/25/2008 SCOR Life Insurance Company TX Morgan Stanley NA NA NA NA 04/04/2008 Western United Life Assurance Company WA Investor group 52.5 NA NA NA 03/19/2008 OSF Health Plans, Inc. IL Humana Inc NA NA NA 03/17/2008 Celtic Group, Inc. IL Centene Corporation 80.0 NA NA NA 03/05/2008 Nationwide Financial Services, Inc. OH Nationwide 2, x NA 20.6x 01/31/2008 Mutual of Detroit Insurance Company MI Columbian Financial Group NA NA NA NA 01/14/2008 Financial Industries Corporation TX Financial Holding Corporation x 1.12x 33.0x 12/21/2007 Gulfco Life Insurance Company LA Summit Partners L.P. NA NA NA NA 12/14/2007 Combined Insurance Company of America IL ACE Limited 2,560.0 NA NA NA 12/14/2007 Sterling Life Insurance Company WA Muenchener Rueckversicherungs-Gesellschaft AG NA NA NA 11/12/2007 Primesco, Inc. AL Unitrin, Inc NA NA NA 10/10/2007 United Family Life Insurance Company GA Industrial Alliance Insurance and Financial Services Inc NA NA NA 10/09/2007 Capital Reserve Life Insurance Company MO Security National Financial Corporation 2.6 NA NA NA 09/28/2007 Medico Life Insurance Company NE Ability Reinsurance Holdings, Ltd NA NA NA 09/07/2007 KMG America Corporation MN Humana Inc x NA NM 08/31/2007 Capitol Life Insurance Company TX Realty Advisors, Inc. 8.9 NA NA NA 08/13/2007 Merrill Lynch Life Insurance Companies AEGON N.V. 1,250.0 NA NA NA 08/03/2007 Annuity & Life Reassurance America, Inc. CT Heritage Union, LLC 11.1 NA NA NA 05/04/2007 Independent State Life Insurance Company MO Puritan Financial Companies, Inc. 1.9 NA NA NA 04/27/2007 LifeRe Corporation TX UNIFI Mutual Holding Company 20.6 NA NA NA 04/26/2007 Group health insurance businesses Coventry Health Care, Inc NA NA NA 04/23/2007 Packers Service Group, Incorporated NE Nelnet, Inc NA NA NA 04/03/2007 Southeast Family Life Insurance Company Central States Health and Life Co. of Omaha 2.1 NA NA NA 04/02/2007 Stanford Life Insurance Company AZ Unified Life Insurance Company 0.9 NA NA NA 03/28/2007 United Security Assurance, Inc. PA CMS Financial Services Corp NA NA NA 03/07/2007 Life of the South Corporation FL Summit Partners L.P. NA NA NA NA 02/22/2007 Great American Financial Resources, Inc. OH American Financial Group, Inc x NA 14.6x 01/23/2007 Congress Life Insurance Company MN Lehman Brothers Holdings Inc. NA NA NA NA 01/19/2007 Peninsular Life Insurance Company PA Hospital Service Association of Northeastern Pennsylvania 7.8 NA NA NA 01/15/2007 Farmers and Traders Life Insurance Company NY Columbian Mutual Life Insurance Company NA NA NA NA 18

19 Deal Price/ Announce Target Value Price/ Tangible Price/ Date Target Name State Buyer Name ($mm) Book Book LTM EPS 01/10/2007 Employee benefits business CT Sun Life Financial Inc NA NA NA 12/08/2006 Family Life Insurance Company TX Harris Insurance Holdings, Inc NA NA NA 12/05/2006 Columbia Universal Life Insurance Company TX Blue Cross Blue Shield of Michigan 12.1 NA NA NA 12/01/2006 Mayflower National Life Insurance Company LA Assurant, Inc NA NA NA 11/15/2006 Northstar Life Insurance Company NY Health Care Service Corporation 26.9 NA NA NA 11/06/2006 Keystone State Life Insurance Company IL Wilton Re Holdings Limited 15.3 NA NA NA 10/06/2006 First American Capital Corporation KS Brooke Corporation x 2.32x NA 10/01/2006 National Financial Insurance Company TX Unified Life Insurance Company 6.0 NA NA NA 09/25/2006 Arnett Health Plans IN UnitedHealth Group Incorporated 45.0 NA NA NA 09/06/2006 Century Life Assurance Company OK American Underwriters Life Insurance Company 5.7 NA NA NA 08/15/2006 Admiral Life Insurance Company of America MI State Mutual Insurance Company 9.6 NA NA NA 08/07/2006 Acap Corporation TX UTG, Inc NA NA NA 08/03/2006 Allianz Health MN HCC Insurance Holdings, Inc NA NA NA 07/31/2006 Advance Insurance Company KS WellCare Health Plans, Inc. 8.0 NA NA NA 07/30/2006 Home Owners Life Insurance Company IL WellCare Health Plans, Inc. 7.9 NA NA NA 07/12/2006 AmerUs Group Co. IA Aviva Plc 2, x 1.99x 15.9x 05/24/2006 Erie Family Life Insurance Company PA Erie Indemnity Company NA 1.25x 1.25x 18.6x 05/01/2006 Ceres Group Inc. OH Great American Financial Resources Inc x NA 12.9x 04/05/2006 Utica National Life Insurance Company NY Wilton Re Holdings Limited 33.0 NA NA NA 03/29/2006 Health insurance business Medical Mutual of Ohio 2.0 NA NA NA 03/28/2006 Northeast United Life Insurance Company TX Hawthorn Life Insurance Company 1.8 NA NA NA 03/14/2006 North American Company for Life and Health Insurance NY Wilton Re Holdings Limited NA NA NA NA of New York 02/07/2006 Chase Insurance Group IL Protective Life Corporation x NA NA 01/23/2006 CNL Financial Corporation GA Minnesota Mutual Companies Inc. NA NA NA NA 01/19/2006 Continental Life Insurance Company of Brentwood, TN Genworth Financial, Inc NA NA NA Tennessee 12/15/2005 Great American Life Assurance Company of Puerto Rico PR Triple-S Management Corporation 97.5 NA NA NA Inc. 11/30/2005 American Financial Security Life Insurance Company MO ACA Assurance 2.0 NA NA NA 11/15/2005 Hart Life Insurance Company CT ACE Limited 14.0 NA NA NA 11/15/2005 Group health insurance operations Hartford Financial Services Group, Inc. 0.7 NA NA NA Median 1.17x 1.62x 17.3x Mean 1.34x 1.67x 19.3x High 2.32x 2.32x 33.0x Low 0.79x 1.12x 12.9x 19

20 Industry continues to consolidate Market Cap May, 2008 ($ in billions) 08 P/E: 7.4x 08 P/E : 7.3x 08 P/E: 11.0x 08 P/E: 8.5x 08: 9.7x 08 P/E: 9.6x 08 P/E: 12.8x $30 08 P/E: 16.3x 08 P/E: 7.8x $20 08 P/E: 12.3x 08 P/E: 11.1x 08 P/E: 7.3x $10 08 P/E: 9.6x 08 P/E: 9.6x 08 P/E: 12.8x 08 P/E: 13.5x 08 P/E: 10.6x 08 P/E: 9.9x $5 08 P/E: 10.8x 08 P/E: 10.2x 08 P/E: 10.6x 08 P/E: 10.7x U.S. operations 08 P/E: 7.1x 08 P/E: 8.9x 08 P/E: 7.1x 08 P/E: 9.5x CPeck Co. 11/19/

21 Industry continues to consolidate (excludes mutual funds) Market Cap Nov ($ in billions) 08 P/E: 7.4x 08 P/E: 8.5x 08 P/E: 12.8x $20 08 P/E : 7.3x 08 : 9.7x 08 P/E: 16.3x 08 P/E: 12.3x 08 P/E: 11.1x $10 08 P/E: 9.6x 08 P/E: 10.8x $5 08 P/E: 11.0x 08 P/E: 7.8x 08 P/E: 12.8x 08 P/E: 13.5x $1 08 P/E: 10.6x 08 P/E: 7.3x 08 P/E: 9.9x 08 P/E: 10.7x 08 P/E: 10.2x 08 P/E: 10.6x 08 P/E: 7.1x 08 P/E: 8.9x 08 P/E: 7.1x 08 P/E: 9.5x CPeck Co. 11/19/

22 AIG acquired American General for about 23.2 Billion or $46/share Good deal for AIG Bad deal for Prudential Insurance Co. 22

23 Acquisitions Greater than $2.0 billion Acquiror Target Year Size MetLife Travelers Life 2005 $11,500.0 Manulife John Hancock ,423.0 Lincoln National Jefferson-Pilot ,564.8 Aviva AmerUs ,740.1 ACE Combined ,400.0 Total $34,627.9 % of Life M&A (1) 68.6% 23

24 I would like to thank the following individuals and their companies for the data they provided: Morgan Keegan Sutherland Conning Research Please contact me if you d like additional information. 24

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