Best's insurance stock indices.

Best's Insurance Stock Indices
(Dec. 31, 2004 = 1,000.00)

Four Weeks Ended October 12, 2006

                                               Percent Change

                                                        Year
                                      Index   Month/      to    Year/
                                      Close    Month    Date     Year

Best's Insurance Composite Index   1,176.64     1.83     1.55   11.15
  Multi-Line Index                 1,096.82     3.31     2.84   11.70
  Property/Casualty Index          1,151.18     3.42     7.52   14.92
  Life/Health & HMO Index          1,285.39    -0.21    -2.54    9.17
    Life Index                     1,311.81     1.09     7.38   19.47
    Health & HMO Index             1,267.51    -1.53   -10.71    0.60
  Brokers & Agents Index           1,015.12     1.83    -7.13    2.53
NYSE Composite Index               8,626.86     3.22    11.26   18.29

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

1. National Atlantic Holdings
     Corp.                         NAHC       PC     12.04    17.92
2. Tower Group Inc                 TWGP       PC     35.10    14.07
3. SCPIE Holdings                   SKP       PC     27.40    13.04
4. Meadowbrook Insurance Group
     Inc                            MIG       PC     11.89    12.17
5. Kansas City Life Insurance
     Co.                           KCLI        L     46.69    10.42

Bottom 5 Performers

1. Citizens Financial Corp.        CNFL        L      5.75   -11.27
2. Gainsco Inc                      GAN       PC      7.10    -9.90
3. Atlantic American Corp.         AAME        M      2.48    -9.82
4. Coventry Health Care Inc         CVH        H     49.31    -9.66
5. Sierra Health Services Inc       SIE        H     38.25    -7.36

Indices by Segment

(See bestreview.com for methodology and further details identifying the companies included in each index.)

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