Farmers New World Life Insurance Company Wins the DALBAR Seal of Excellence for Its LifeNet - Agency Dashboard Web Site.

Business Editors

BOSTON--(BUSINESS WIRE)--Nov. 1, 2002

DALBAR, Inc. announced today that Farmers New World Life Insurance Company was awarded the DALBAR Seal of excellence for its LifeNet - Agency Dashboard Web site. The Seal is awarded to outstanding professional web sites that effectively and efficiently meet the needs of financial professionals. Before awarding the Seal, DALBAR conducts a series of tests to the LifeNet - Agency Dashboard Web site to establish that it meets the principal objectives of its audience.

The results of these tests indicate that the LifeNet - Agency Dashboard Web site successfully meets the requirements of financial professionals and is outstanding in:

-- The approach to the design of the LifeNet - Agency Dashboard

Web site. It is strongly endorsed by DALBAR and parallels the

Behavior Centric method that focuses on what the Web site must

do for the user of the site and considers both online and

offline behaviors.

C. Paul Patsis, President, Farmers New World Life Insurance Company commented that: "Farmers LifeNet, as an electronic wholesaler, provides sales leverage, i.e. increased sales productivity, without increased sales costs. LifeNet has resulted in a 10 percent incremental increase in life insurance sales for those using the system. While cost saving wasn't the primary purpose of the system, LifeNet has virtually paid for itself through reduced printing and people costs. Since its introduction over two years ago, Farmers LifeNet has been updated and enhanced almost daily."

The award of the DALBAR Seal gives Farmers New World Life Insurance Company the right to display the image of the Seal on LifeNet - Agency Dashboard Web site or make reference to it for twelve months. Farmers New World Life Insurance Company paid DALBAR a nonrefundable fee for conducting the tests that determined the qualification for the Seal.

DALBAR, Inc., the nation's leading financial-services market research firm, is committed to raising the standards of excellence in the financial-services industry. With offices in both the US and Canada, DALBAR develops standards for, and provides research, ratings, and rankings of intangible factors to the mutual fund, retirement, broker/dealer, discount brokerage and life insurance companies. Research includes investor behavior, customer satisfaction, service quality, communications, Internet services and financial-professional ratings.

Farmers New World Life Insurance Company has a proud history stretching back to 1910. In 2003, FNWL will celebrate its 50th years as a member of the Farmers Insurance Group of Companies, which includes one of the largest insurers of autos and homes in the nation. Farmers is a part of the worldwide Zurich Financial Services Group.