Best's insurance stock indices.

Four Weeks Ended February 9, 2006

                                             Percent Change

                                                       Year
                                    Index     Month/    to     Year/
                                    Close     Month    Date    Year

Best's Insurance Composite Index   1,141.26    -3.08   -1.50   10.80
  Mufti-Line Index (M)             1,044.57    -4.67   -2.06   -3.06
  Property/Casualty Index (PC)     1,047.46    -4.04   -2.17    2.82
  Life/Health & HMO Index          1,312.55    -1.22   -0.48   29.27
    Life Index (L)                 1,253.90     0.21    2.64   25.31
    Health & HMO Index (H)         1,375.88    -2.44   -3.08   33.61
  Brokers &Agents Index (B&A)      1,053.95    -5.48   -3.58    8.04
NYSE Composite Index               7,980.17    -0.35    2.92   10.67

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

1. Independence Holding Co       IHC        L      22.71     10.24
2. Gainsco Inc                   GAN       PC       9.03     10.12
3. EMC Insurance Group Inc      EMCI       PC      22.33      9.68
4. KMG America Corp              KMA        H       9.70      9.60
5. Aetna Inc                     AET        H      99.27      8.53

Bottom 5 Performers

1. Vesta Insurance Group Inc    VTAI       PC       0.66    -22.35
2. Tower Group Inc              TWGP       PC      18.86    -12.81
3. Endurance Specialty           ENH       PC      31.30    -11.68
    Holdings Ltd
4. PartnerRe Ltd                 PRE       PC      60.20    -11.21
5. Health Net Inc                HNT        H      46.67    -11.21

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