Best's insurance stock indices (Dec. 31,2004 = 1,000.00).

Best's Insurance Stock Indices

(Dec. 31, 2004 = 1,000.00)

Four Weeks Ended August 10, 2006

                                                   Percent Change

                                      Index   Month/   Year to   Year/
                                      Close    Month      Date    Year

Best's Insurance Composite Index   1,087.77     0.18     -6.12    1.94
  Multi-Line Index (M)               984.78     2.47     -7.66   -2.27
  Property/Casualty Index (PC)     1,044.36     0.28     -2.46    2.64
  Life/Health & HMO Index          1,223.37    -1.35     -7.24    4.09
    Life Index (L)                 1,253.70    -1.17      2.62   12.84
    Health & HMO Index (H)         1,201.16    -1.55    -15.39   -3.33
  Brokers &Agents Index (B&A)        956.67     2.13    -12.48    4.84
NYSE Composite Index               8,209.78     2.73      5.88    8.15

                                                              Month/
                                           Best's   Closing    Month
Top 5 Performers                  Ticker    Index     Price   Change

1. Universal American Financial
     Corp                           UHCO        H     15.40    19.75
2. Republic Companies Group Inc     RUTX       PC     19.75    17.63
3. CNA Surety Corp.                  SUR       PC     19.28    16.78
4. Willis Group Holdings Ltd         WSH      B&A     36.54    15.09
5. Safety Insurance Group Inc       SAFT       PC     54.91    14.04

Bottom 5 Performers

1. Scottish Re Group Ltd             SCT        L      6.90   -56.90
2. Citizens Financial Corp.         CNFL        L      4.90   -21.80
3. KMG America Corp                  KMA        H      6.56   -21.06
4. Direct General Corp.             DRCT       PC     13.25   -19.40
5. StanCorp Financial Group Inc      SFG        L     42.16   -16.03