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									Measure                                                     Jan-99   Feb-99
Sales - Life - Affiliation Partners - Term Life
Sales - Life - Affiliation Partners - Universal Life
Sales - Life - Affiliation Partners - AmerUs WL/UL
Sales - Life - Affiliation Partners - Whole Life
Sales - Life - Affiliation Partners                            $0       $0

Sales - Life - BNLY Field - Term Life
Sales - Life - BNLY Field - Universal Life
Sales - Life - BNLY Field - AmerUs WL/UL
Sales - Life - BNLY Field - Whole Life
Sales - Life - BNLY Field                                      $0       $0

Sales - Life - Financial Institutions - Term Life
Sales - Life - Financial Institutions - Universal Life
Sales - Life - Financial Institutions - AmerUs WL/UL
Sales - Life - Financial Institutions - Whole Life
Sales - Life - Financial Institutions - Whole Life             $0       $0

Sales - Life - ILICo Field - Term Life
Sales - Life - ILICo Field - Universal Life
Sales - Life - ILICo Field - AmerUs WL/UL
Sales - Life - ILICo Field - Whole Life
Sales - Life - ILICo Field                                     $0       $0

Sales - Life - IMOs - Term Life
Sales - Life - IMOs - Universal Life
Sales - Life - IMOs - AmerUs WL/UL
Sales - Life - IMOs - Whole Life
Sales - Life - IMOs                                            $0       $0

Sales - Life - Legacy - Term Life
Sales - Life - Legacy - Universal Life
Sales - Life - Legacy - AmerUs WL/UL
Sales - Life - Legacy - Whole Life
Sales - Life - Legacy                                          $0       $0

Sales - Life - Strategic Alliances BLNY - Term Life
Sales - Life - Strategic Alliances BNLY - Universal Life
Sales - Life - Strategic Alliances BNLY - AmerUs WL/UL
Sales - Life - Strategic Alliances BNLY - Whole Life
Sales - Life - Strategic Alliances BNLY                        $0       $0

Sales - Life - Strategic Alliances ILICo - Term Life
Sales - Life - Strategic Alliances ILICo - Universal Life
Sales - Life - Strategic Alliances ILICo - AmerUs WL/UL
Sales - Life - Strategic Alliances ILICo - Whole Life
Sales - Life - Strategic Alliances ILICo                       $0       $0

Sales - Life - Strategic Alliances WSL - Term Life
Sales - Life - Strategic Alliances WSL - Universal Life
Sales - Life - Strategic Alliances WSL - AmerUs WL/UL
Sales - Life - Strategic Alliances WSL - Whole Life
Sales - Life - Strategic Alliances WSL                           $0   $0

Sales - Life - Strategic Alliances Other - Term
Sales - Life - Strategic Alliances Other - UL
Sales - Life - Strategic Alliances Other - AmerUs WL/UL
Sales - Life - Strategic Alliances Other - WL
Sales - Life - Strategic Alliances Other                         $0   $0

Sales - Life - Variable Broker/Dealer - Term
Sales - Life - Variable Broker/Dealer - UL
Sales - Life - Variable Broker/Dealer - AmerUs WL/UL
Sales - Life - Variable Broker/Dealer - WL
Sales - Life - Variable Broker/Dealer                            $0   $0

Sales - Life                                                     $0   $0

Sales - Annuity - Affiliation Partners - Fixed Annuity
Sales - Annuity - Affiliation Partners - Variable Annuity
Sales - Annuity - Affiliation Partners                           $0   $0

Sales - Annuity - BNLY Field - Fixed Annuity
Sales - Annuity - BNLY Field - Variable Annuity
Sales - Annuity - BNLY Field                                     $0   $0

Sales - Annuity - Financial Institutions - Fixed Annuity
Sales - Annuity - Financial Institutions - Variable Annuity
Sales - Annuity - Financial Institutions - Whole Life            $0   $0

Sales - Annuity - ILICo Field - Fixed Annuity
Sales - Annuity - ILICo Field - Variable Annuity
Sales - Annuity - ILICo Field                                    $0   $0

Sales - Annuity - IMOs - Fixed Annuity
Sales - Annuity - IMOs - Variable Annuity
Sales - Annuity - IMOs                                           $0   $0

Sales - Annuity - Legacy - Fixed Annuity
Sales - Annuity - Legacy - Variable Annuity
Sales - Annuity - Legacy                                         $0   $0

Sales - Annuity - Strategic Alliances BLNY - Fixed Annuity
Sales - Annuity - Strategic Alliances BNLY - Variable Annuity
Sales - Annuity - Strategic Alliances BNLY                       $0   $0

Sales - Annuity - Strategic Alliances ILICo - Fixed Annuity
Sales - Annuity - Strategic Alliances ILICo - Variable Annuity
Sales - Annuity - Strategic Alliances ILICo                      $0   $0
           Sales - Annuity - Strategic Alliances WSL - Fixed Annuity
           Sales - Annuity - Strategic Alliances WSL - Variable Annuity
           Sales - Annuity - Strategic Alliances WSL                      $0   $0

           Sales - Annuity - Broker/Dealer - Fixed Annuity
           Sales - Annuity - Broker/Dealer - Variable Annuity
           Sales - Annuity - Broker/Dealer                                $0   $0

           Sales - Annuity - Other - Fixed Annuity
           Sales - Annuity - Other - Variable Annuity
           Sales - Annuity - Other                                        $0   $0

           Sales - Annuity                                                $0   $0


Calculated Sales by Line of Business
           Term Life                                                      $0   $0
           Universal Life                                                 $0   $0
           Variable Universal Life                                        $0   $0
           Whole Life                                                     $0   $0
           Fixed Annuity                                                  $0   $0
           Variable Annuity                                               $0   $0
Mar-99   Apr-99   May-99   Jun-99   Jul-99   Aug-99   Sep-99   Oct-99




   $0       $0        $0      $0       $0        $0      $0       $0




   $0       $0        $0      $0       $0        $0      $0       $0




   $0       $0        $0      $0       $0        $0      $0       $0




   $0       $0        $0      $0       $0        $0      $0       $0




   $0       $0        $0      $0       $0        $0      $0       $0




   $0       $0        $0      $0       $0        $0      $0       $0




   $0       $0        $0      $0       $0        $0      $0       $0




   $0       $0        $0      $0       $0        $0      $0       $0
$0   $0   $0   $0   $0   $0   $0   $0




$0   $0   $0   $0   $0   $0   $0   $0




$0   $0   $0   $0   $0   $0   $0   $0

$0   $0   $0   $0   $0   $0   $0   $0




$0   $0   $0   $0   $0   $0   $0   $0




$0   $0   $0   $0   $0   $0   $0   $0




$0   $0   $0   $0   $0   $0   $0   $0




$0   $0   $0   $0   $0   $0   $0   $0




$0   $0   $0   $0   $0   $0   $0   $0




$0   $0   $0   $0   $0   $0   $0   $0




$0   $0   $0   $0   $0   $0   $0   $0




$0   $0   $0   $0   $0   $0   $0   $0
$0   $0   $0   $0   $0   $0   $0   $0




$0   $0   $0   $0   $0   $0   $0   $0




$0   $0   $0   $0   $0   $0   $0   $0

$0   $0   $0   $0   $0   $0   $0   $0




$0   $0   $0   $0   $0   $0   $0   $0
$0   $0   $0   $0   $0   $0   $0   $0
$0   $0   $0   $0   $0   $0   $0   $0
$0   $0   $0   $0   $0   $0   $0   $0
$0   $0   $0   $0   $0   $0   $0   $0
$0   $0   $0   $0   $0   $0   $0   $0
Nov-99   Dec-99      Jan-00     Feb-00     Mar-00     Apr-00     May-00     Jun-00




    $0      $0           $0         $0         $0         $0         $0         $0

                   $133,965    $144,077   $274,868   $269,885   $327,922   $423,183
                   $268,490    $494,052   $710,461   $632,747   $374,316   $550,858

                    $26,583     $13,019    $37,909     $9,235    $22,924    $22,407
    $0      $0     $429,038    $651,148 $1,023,238   $911,867   $725,162   $996,448

                     $1,946      $4,861     $1,535     $4,084     $2,769     $1,956
                    $12,071     $14,721    $30,788    $14,111    $28,863    $21,178

                       $410        $792         $0         $0         $0       $433
    $0      $0      $14,427     $20,374    $32,323    $18,195    $31,632    $23,567

                    $365,913   $400,889   $331,990   $263,878   $237,947   $151,333
                  $1,243,652 $1,033,698   $483,742   $712,723   $261,286   $576,681

                 $640,619   $701,237   $595,133   $140,652      $207,902   $181,148
    $0      $0 $2,250,184 $2,135,824 $1,410,865 $1,117,253      $707,135   $909,162

                     $9,010     $15,110    $33,555    $38,909     $7,254     $6,250
                   $200,187    $265,820   $175,238    $75,606   $186,145   $398,995

                   $181,955 $2,061,431 $1,813,676   $902,836   $974,306 $1,092,685
    $0      $0     $391,152 $2,342,361 $2,022,469 $1,017,351 $1,167,705 $1,497,930


                    $25,965    $135,030    $59,203   $244,170   $369,654   $280,055


    $0      $0      $25,965    $135,030    $59,203   $244,170   $369,654   $280,055


                     $6,918      $2,989     $8,570     $4,172        $0         $0


    $0      $0       $6,918      $2,989     $8,570     $4,172        $0         $0

                   $267,000    $333,000   $311,000   $272,000   $168,000    $89,000
                    $28,482     $28,713   $121,751    $10,914    $27,801    $34,645

                   $158,459    $222,743   $193,523   $181,767   $187,039   $353,100
    $0      $0     $453,941    $584,456   $626,274   $464,681   $382,840   $476,745

                    $92,000    $108,790   $108,000    $90,000    $55,000    $49,000
$0   $0     $92,000   $108,790   $108,000    $90,000     $55,000    $49,000




$0   $0          $0         $0         $0         $0         $0         $0




$0   $0          $0         $0         $0         $0         $0         $0

$0   $0 $3,663,625 $5,980,972 $5,290,942 $3,867,689 $3,439,128 $4,232,907




$0   $0          $0         $0         $0         $0         $0         $0

            $83,942   $178,984   $220,709    $63,712     $82,720    $73,604

$0   $0     $83,942   $178,984   $220,709    $63,712     $82,720    $73,604

                 $0    $10,153     $2,000         $0     $27,500     $8,300

$0   $0          $0    $10,153     $2,000         $0     $27,500     $8,300

           $158,100    $59,100    $68,900    $37,500     $75,600    $58,100

$0   $0    $158,100    $59,100    $68,900    $37,500     $75,600    $58,100




$0   $0          $0         $0         $0         $0         $0         $0

          $2,990,600 $2,953,100 $3,072,000 $2,122,200 $2,131,900 $1,255,100

$0   $0 $2,990,600 $2,953,100 $3,072,000 $2,122,200 $2,131,900 $1,255,100




$0   $0          $0         $0         $0         $0         $0         $0




$0   $0          $0         $0         $0         $0         $0         $0
$0   $0        $0         $0         $0         $0         $0         $0


          $591,667   $786,966   $809,814   $657,946   $914,755   $821,079
$0   $0   $591,667   $786,966   $809,814   $657,946   $914,755   $821,079




$0   $0        $0         $0         $0         $0         $0         $0

$0   $0 $3,824,309 $3,988,303 $4,173,423 $2,881,358 $3,232,475 $2,216,183




$0   $0   $869,834 $1,006,727 $1,060,948   $938,756   $798,892   $720,722
$0   $0 $1,785,765 $1,975,023 $1,589,753 $1,694,443 $1,248,065 $1,862,412
$0   $0         $0         $0         $0         $0         $0         $0
$0   $0 $1,008,026 $2,999,222 $2,640,241 $1,234,490 $1,392,171 $1,649,773
$0   $0 $3,232,642 $3,201,337 $3,363,609 $2,223,412 $2,317,720 $1,395,104
$0   $0   $591,667   $786,966   $809,814   $657,946   $914,755   $821,079
  Jul-00    Aug-00     Sep-00     Oct-00     Nov-00     Dec-00      Jan-01    Feb-01
                                                                        $0        $0
                                                                        $0        $0
                                                                        $0        $0
                                                                        $0        $0
     $0         $0         $0         $0         $0         $0          $0        $0

$365,896   $401,484   $295,671   $239,537   $259,118   $244,631   $159,845   $142,118
$418,709   $497,151   $565,153   $590,932   $286,976   $640,134   $463,021   $846,657
                                                                        $0         $0
 $18,888    $31,187    $21,694    $18,524     $8,801    $24,002    $24,214     $8,457
$803,493   $929,822   $882,518   $848,993   $554,895   $908,767   $647,080   $997,232

      $0     $2,648       $425         $0         $0         $0         $0         $0
 $12,990    $27,593    $16,170    $21,019    $20,333    $25,886    $13,915    $10,063
                                                                        $0         $0
      $0       $915         $0       $728       $559         $0     $1,477       $691
 $12,990    $31,156    $16,595    $21,747    $20,892    $25,886    $15,392    $10,754

$169,203   $148,711   $142,850   $191,018   $138,911   $135,161   $105,998    $98,976
$302,415   $360,508   $593,376   $405,757   $499,878 $1,200,034   $516,599   $384,005
                                                                        $0         $0
$333,209 $1,238,452   $194,542   $100,489   $913,739   $388,697   $286,408   $826,332
$804,827 $1,747,671   $930,768   $697,264 $1,552,528 $1,723,892   $909,005 $1,309,313

 $11,636     $7,605     $1,712     $4,006     $3,093    $22,853    $12,075    $14,132
$173,250   $109,178   $167,233   $192,083   $173,267   $667,465   $201,207   $320,197
                                                                        $0         $0
$427,791   $324,159   $453,592   $500,511   $878,111 $2,150,960 $1,377,172 $1,846,883
$612,677   $440,942   $622,537   $696,600 $1,054,471 $2,841,278 $1,590,454 $2,181,212

                                                                        $0         $0
$215,774   $476,023   $196,965   $176,345   $288,359   $194,326    $73,064   $145,238
                                                                        $0         $0
                                                                        $0         $0
$215,774   $476,023   $196,965   $176,345   $288,359   $194,326    $73,064   $145,238

                                                                        $0         $0
     $0      $2,576     $1,296     $1,532     $5,760     $3,762     $1,511     $1,091
                                                                        $0         $0
                                                                        $0         $0
     $0      $2,576     $1,296     $1,532     $5,760     $3,762     $1,511     $1,091

 $90,000    $69,000    $65,000    $57,000    $45,000    $82,000    $49,000    $66,000
 $14,208    $17,190    $38,070    $18,515    $21,026    $40,650    $25,025    $49,200
                                                                        $0         $0
$181,351   $211,877   $367,380   $181,334   $170,484   $725,066   $185,404    $83,367
$285,559   $298,067   $470,450   $256,849   $236,510   $847,716   $259,429   $198,567

 $51,000     $8,000     $9,000     $4,000    $10,000    $11,000    $10,000    $18,000
                                                                        $0         $0
                                                                          $0         $0
                                                                          $0         $0
  $51,000     $8,000     $9,000     $4,000    $10,000     $11,000    $10,000    $18,000

                                                                         $0         $0
                                                                         $0         $0
                                                                         $0         $0
                                                                         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0

                                                                         $0         $0
                                                                         $0         $0
                                                                         $0         $0
                                                                         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0

$2,786,320 $3,934,257 $3,130,129 $2,703,330 $3,723,415 $6,556,627 $3,505,935 $4,861,407

                                                                         $0         $0
                                                                         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0

  $79,275   $144,042    $94,866   $128,076    $61,109    $171,006   $243,033   $171,412
                                                                          $0         $0
  $79,275   $144,042    $94,866   $128,076    $61,109    $171,006   $243,033   $171,412

       $0     $5,000     $2,500         $0         $0         $0         $0         $0
                                                                         $0         $0
       $0     $5,000     $2,500         $0         $0         $0         $0         $0

  $17,700    $53,700    $36,600    $23,000   $160,300     $71,000    $42,900    $29,800
                                                                          $0         $0
  $17,700    $53,700    $36,600    $23,000   $160,300     $71,000    $42,900    $29,800

                                                            $576         $0         $0
                                                                         $0         $0
       $0         $0         $0         $0         $0       $576         $0         $0

 $960,500 $1,017,400   $938,800   $689,900   $871,700    $499,700   $343,700   $541,600
                                                                          $0         $0
 $960,500 $1,017,400   $938,800   $689,900   $871,700    $499,700   $343,700   $541,600

                                                                         $0         $0
                                                                         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0

                                                                         $0         $0
                                                                         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0
                                                                         $0         $0
                                                                         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0

                                                                          $0         $0
 $508,237   $538,793   $619,918   $382,770   $568,045    $399,273   $385,200   $348,500
 $508,237   $538,793   $619,918   $382,770   $568,045    $399,273   $385,200   $348,500

                                                                         $0         $0
                                                                         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0

$1,565,712 $1,758,935 $1,692,684 $1,223,746 $1,661,154 $1,141,555 $1,014,833 $1,091,312




  $687,735   $637,448   $514,658   $495,561   $456,122   $495,645   $336,918   $339,226
$1,137,346 $1,490,219 $1,578,263 $1,406,183 $1,295,599 $2,772,257 $1,294,342 $1,756,451
        $0         $0         $0         $0         $0         $0         $0         $0
  $961,239 $1,806,590 $1,037,208   $801,586 $1,971,694 $3,288,725 $1,874,675 $2,765,730
$1,057,475 $1,220,142 $1,072,766   $840,976 $1,093,109   $742,282   $629,633   $742,812
  $508,237   $538,793   $619,918   $382,770   $568,045   $399,273   $385,200   $348,500
   Mar-01     Apr-01     May-01     Jun-01      Jul-01    Aug-01     Sep-01      Oct-01
       $0         $0         $0         $0          $0        $0         $0          $0
       $0         $0         $0         $0          $0        $0         $0          $0
       $0         $0         $0         $0          $0        $0         $0          $0
       $0         $0         $0         $0          $0        $0         $0          $0
       $0         $0         $0         $0          $0        $0         $0          $0

  $155,543   $173,498   $214,165   $273,356   $429,583   $478,419   $423,393   $462,000
  $829,841   $780,644   $698,383   $534,371   $774,936   $541,703   $513,371   $539,038
        $0         $0         $0         $0         $0         $0         $0         $0
   $26,515    $11,167     $9,183     $8,564    $21,952    $26,304     $9,840    $13,275
$1,011,899   $965,309   $921,731   $816,291 $1,226,471 $1,046,426   $946,604 $1,014,313

       $0          $0         $0         $0         $0     $1,560       $393     $6,479
  $14,012     $16,314    $18,814    $13,633         $0    $20,609    $12,248    $37,944
       $0          $0         $0         $0         $0         $0         $0         $0
       $0          $0         $0       $648     $1,550       $835         $0         $0
  $14,012     $16,314    $18,814    $14,281     $1,550    $23,004    $12,641    $44,423

 $143,301    $71,056   $114,833   $155,834   $136,448   $149,262   $182,453   $191,577
 $397,004   $371,388   $565,364   $800,522 $1,832,790   $805,735   $890,252   $890,897
   $2,810     $3,261    $12,004    $27,757    $20,785    $28,878    $72,900   $183,814
 $254,555   $899,120   $404,273   $483,165   $213,518   $508,879   $257,100   $245,726
 $797,670 $1,344,825 $1,096,474 $1,467,278 $2,203,541 $1,492,754 $1,402,705 $1,512,014

   $27,397    $18,628    $40,065    $12,530     $8,763    $13,790    $21,560    $27,155
  $171,481   $252,414   $483,834   $110,371   $219,077   $211,413   $277,808   $420,405
        $0         $0         $0    $14,998         $0     $4,276   $127,144   $105,816
$2,831,322 $2,072,361 $1,688,325 $1,087,957   $518,330 $1,115,363   $528,016   $744,070
$3,030,200 $2,343,403 $2,212,224 $1,225,856   $746,170 $1,344,842   $954,528 $1,297,446

       $0          $0         $0         $0         $0         $0         $0         $0
 $141,341      $2,111    $71,817   $121,243    $79,978   $151,342    $65,773   $439,832
       $0          $0         $0         $0         $0         $0         $0         $0
       $0          $0         $0         $0         $0         $0         $0         $0
 $141,341      $2,111    $71,817   $121,243    $79,978   $151,342    $65,773   $439,832

       $0          $0         $0         $0         $0         $0         $0         $0
   $7,841      $4,600     $1,670    $12,607     $6,347     $7,919    $11,304    $12,881
       $0          $0         $0         $0         $0         $0         $0         $0
       $0          $0         $0         $0         $0         $0         $0         $0
   $7,841      $4,600     $1,670    $12,607     $6,347     $7,919    $11,304    $12,881

  $66,000     $42,000    $44,000    $24,000    $17,000    $11,000     $7,000    $12,000
  $17,783     $34,286     $7,468    $24,061     $5,982    $58,575    $18,946    $22,437
       $0          $0         $0         $0         $0         $0         $0         $0
 $106,765     $89,152   $205,808         $0         $0         $0         $0         $0
 $190,548    $165,438   $257,276    $48,061    $22,982    $69,575    $25,946    $34,437

  $87,000    $201,000   $336,000   $434,000   $464,000   $533,000   $415,000   $570,000
       $0          $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0          $0         $0         $0
       $0         $0         $0         $0         $0          $0         $0         $0
  $87,000   $201,000   $336,000   $434,000   $464,000    $533,000   $415,000   $570,000

       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0

       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0

$5,280,511 $5,043,000 $4,916,006 $4,139,617 $4,751,039 $4,668,862 $3,834,501 $4,925,346

       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0

 $237,619   $225,854   $113,961   $169,418   $377,478    $120,076    $82,116   $226,111
       $0         $0         $0         $0         $0                     $0         $0
 $237,619   $225,854   $113,961   $169,418   $377,478    $120,076    $82,116   $226,111

       $0         $0         $0     $4,500         $0         $0         $0     $34,071
       $0         $0         $0         $0         $0         $0         $0          $0
       $0         $0         $0     $4,500         $0         $0         $0     $34,071

  $27,900    $33,826    $20,700    $54,000    $50,600    $121,800    $38,600    $19,200
       $0         $0         $0         $0         $0          $0         $0         $0
  $27,900    $33,826    $20,700    $54,000    $50,600    $121,800    $38,600    $19,200

       $0       $574         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0
       $0       $574         $0         $0         $0         $0         $0         $0

$1,221,900 $2,003,500 $2,647,500 $1,157,800 $1,347,200 $1,492,800 $1,237,700 $1,747,100
        $0         $0         $0         $0         $0         $0         $0         $0
$1,221,900 $2,003,500 $2,647,500 $1,157,800 $1,347,200 $1,492,800 $1,237,700 $1,747,100

       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0

       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0           $0
       $0         $0         $0         $0         $0         $0         $0           $0
       $0         $0         $0         $0         $0         $0         $0           $0

       $0         $0         $0         $0          $0         $0         $0          $0
 $314,600   $393,900   $407,800   $248,700    $478,700   $387,400   $376,700    $363,300
 $314,600   $393,900   $407,800   $248,700    $478,700   $387,400   $376,700    $363,300

       $0         $0         $0         $0         $0                    $0           $0
       $0         $0         $0         $0         $0                    $0           $0
       $0         $0         $0         $0         $0         $0         $0           $0

$1,802,019 $2,657,654 $3,189,961 $1,634,418 $2,253,978 $2,122,076 $1,735,116 $2,389,782




  $479,241   $506,182   $749,063   $899,720 $1,055,794 $1,187,031 $1,049,799   $1,269,211
$1,579,303 $1,461,757 $1,847,350 $1,616,808 $2,919,110 $1,797,296 $1,789,702   $2,363,434
    $2,810     $3,261    $12,004    $42,755    $20,785    $33,154   $200,044     $289,630
$3,219,157 $3,071,800 $2,307,589 $1,580,334   $755,350 $1,651,381   $794,956   $1,003,071
$1,487,419 $2,263,754 $2,782,161 $1,385,718 $1,775,278 $1,734,676 $1,358,416   $2,026,482
  $314,600   $393,900   $407,800   $248,700   $478,700   $387,400   $376,700     $363,300
Nov-01   Dec-01




    $0      $0




    $0      $0




    $0      $0




    $0      $0




    $0      $0




    $0      $0




    $0      $0




    $0      $0
$0   $0




$0   $0




$0   $0

$0   $0




$0   $0




$0   $0




$0   $0




$0   $0




$0   $0




$0   $0




$0   $0




$0   $0
$0   $0




$0   $0




$0   $0

$0   $0




$0   $0
$0   $0
$0   $0
$0   $0
$0   $0
$0   $0
Measure                                                     Jan-99   Feb-99
Sales - Life - Affiliation Partners - Term Life
Sales - Life - Affiliation Partners - Universal Life
Sales - Life - Affiliation Partners - AmerUs WL/UL
Sales - Life - Affiliation Partners - Whole Life
Sales - Life - Affiliation Partners                            $0       $0

Sales - Life - BNLY Field - Term Life
Sales - Life - BNLY Field - Universal Life
Sales - Life - BNLY Field - AmerUs WL/UL
Sales - Life - BNLY Field - Whole Life
Sales - Life - BNLY Field                                      $0       $0

Sales - Life - Financial Institutions - Term Life
Sales - Life - Financial Institutions - Universal Life
Sales - Life - Financial Institutions - AmerUs WL/UL
Sales - Life - Financial Institutions - Whole Life
Sales - Life - Financial Institutions - Whole Life             $0       $0

Sales - Life - ILICo Field - Term Life
Sales - Life - ILICo Field - Universal Life
Sales - Life - ILICo Field - AmerUs WL/UL
Sales - Life - ILICo Field - Whole Life
Sales - Life - ILICo Field                                     $0       $0

Sales - Life - IMOs - Term Life
Sales - Life - IMOs - Universal Life
Sales - Life - IMOs - AmerUs WL/UL
Sales - Life - IMOs - Whole Life
Sales - Life - IMOs                                            $0       $0

Sales - Life - Legacy - Term Life
Sales - Life - Legacy - Universal Life
Sales - Life - Legacy - AmerUs WL/UL
Sales - Life - Legacy - Whole Life
Sales - Life - Legacy                                          $0       $0

Sales - Life - Strategic Alliances BLNY - Term Life
Sales - Life - Strategic Alliances BNLY - Universal Life
Sales - Life - Strategic Alliances BNLY - AmerUs WL/UL
Sales - Life - Strategic Alliances BNLY - Whole Life
Sales - Life - Strategic Alliances BNLY                        $0       $0

Sales - Life - Strategic Alliances ILICo - Term Life
Sales - Life - Strategic Alliances ILICo - Universal Life
Sales - Life - Strategic Alliances ILICo - AmerUs WL/UL
Sales - Life - Strategic Alliances ILICo - Whole Life
Sales - Life - Strategic Alliances ILICo                       $0       $0

Sales - Life - Strategic Alliances WSL - Term Life
Sales - Life - Strategic Alliances WSL - Universal Life
Sales - Life - Strategic Alliances WSL - AmerUs WL/UL
Sales - Life - Strategic Alliances WSL - Whole Life
Sales - Life - Strategic Alliances WSL                           $0   $0

Sales - Life - Strategic Alliances Other - Term
Sales - Life - Strategic Alliances Other - UL
Sales - Life - Strategic Alliances Other - AmerUs WL/UL
Sales - Life - Strategic Alliances Other - WL
Sales - Life - Strategic Alliances Other                         $0   $0

Sales - Life - Variable Broker/Dealer - Term
Sales - Life - Variable Broker/Dealer - UL
Sales - Life - Variable Broker/Dealer - AmerUs WL/UL
Sales - Life - Variable Broker/Dealer - WL
Sales - Life - Variable Broker/Dealer                            $0   $0

Sales - Life                                                     $0   $0

Sales - Annuity - Affiliation Partners - Fixed Annuity
Sales - Annuity - Affiliation Partners - Variable Annuity
Sales - Annuity - Affiliation Partners                           $0   $0

Sales - Annuity - BNLY Field - Fixed Annuity
Sales - Annuity - BNLY Field - Variable Annuity
Sales - Annuity - BNLY Field                                     $0   $0

Sales - Annuity - Financial Institutions - Fixed Annuity
Sales - Annuity - Financial Institutions - Variable Annuity
Sales - Annuity - Financial Institutions - Whole Life            $0   $0

Sales - Annuity - ILICo Field - Fixed Annuity
Sales - Annuity - ILICo Field - Variable Annuity
Sales - Annuity - ILICo Field                                    $0   $0

Sales - Annuity - IMOs - Fixed Annuity
Sales - Annuity - IMOs - Variable Annuity
Sales - Annuity - IMOs                                           $0   $0

Sales - Annuity - Legacy - Fixed Annuity
Sales - Annuity - Legacy - Variable Annuity
Sales - Annuity - Legacy                                         $0   $0

Sales - Annuity - Strategic Alliances BLNY - Fixed Annuity
Sales - Annuity - Strategic Alliances BNLY - Variable Annuity
Sales - Annuity - Strategic Alliances BNLY                       $0   $0

Sales - Annuity - Strategic Alliances ILICo - Fixed Annuity
Sales - Annuity - Strategic Alliances ILICo - Variable Annuity
Sales - Annuity - Strategic Alliances ILICo                      $0   $0
           Sales - Annuity - Strategic Alliances WSL - Fixed Annuity
           Sales - Annuity - Strategic Alliances WSL - Variable Annuity
           Sales - Annuity - Strategic Alliances WSL                      $0   $0

           Sales - Annuity - Broker/Dealer - Fixed Annuity
           Sales - Annuity - Broker/Dealer - Variable Annuity
           Sales - Annuity - Broker/Dealer                                $0   $0

           Sales - Annuity - Other - Fixed Annuity
           Sales - Annuity - Other - Variable Annuity
           Sales - Annuity - Other                                        $0   $0

           Sales - Annuity                                                $0   $0


Calculated Sales by Line of Business
           Term Life                                                      $0   $0
           Universal Life                                                 $0   $0
           Variable Universal Life                                        $0   $0
           Whole Life                                                     $0   $0
           Fixed Annuity                                                  $0   $0
           Variable Annuity                                               $0   $0
Mar-99   Apr-99   May-99   Jun-99   Jul-99   Aug-99   Sep-99   Oct-99




   $0       $0        $0      $0       $0        $0      $0       $0




   $0       $0        $0      $0       $0        $0      $0       $0




   $0       $0        $0      $0       $0        $0      $0       $0




   $0       $0        $0      $0       $0        $0      $0       $0




   $0       $0        $0      $0       $0        $0      $0       $0




   $0       $0        $0      $0       $0        $0      $0       $0




   $0       $0        $0      $0       $0        $0      $0       $0




   $0       $0        $0      $0       $0        $0      $0       $0
$0   $0   $0   $0   $0   $0   $0   $0




$0   $0   $0   $0   $0   $0   $0   $0




$0   $0   $0   $0   $0   $0   $0   $0

$0   $0   $0   $0   $0   $0   $0   $0




$0   $0   $0   $0   $0   $0   $0   $0




$0   $0   $0   $0   $0   $0   $0   $0




$0   $0   $0   $0   $0   $0   $0   $0




$0   $0   $0   $0   $0   $0   $0   $0




$0   $0   $0   $0   $0   $0   $0   $0




$0   $0   $0   $0   $0   $0   $0   $0




$0   $0   $0   $0   $0   $0   $0   $0




$0   $0   $0   $0   $0   $0   $0   $0
$0   $0   $0   $0   $0   $0   $0   $0




$0   $0   $0   $0   $0   $0   $0   $0




$0   $0   $0   $0   $0   $0   $0   $0

$0   $0   $0   $0   $0   $0   $0   $0




$0   $0   $0   $0   $0   $0   $0   $0
$0   $0   $0   $0   $0   $0   $0   $0
$0   $0   $0   $0   $0   $0   $0   $0
$0   $0   $0   $0   $0   $0   $0   $0
$0   $0   $0   $0   $0   $0   $0   $0
$0   $0   $0   $0   $0   $0   $0   $0
Nov-99   Dec-99    Jan-00     Feb-00     Mar-00      Apr-00    May-00     Jun-00




    $0      $0         $0         $0         $0         $0         $0         $0

                  $184,200   $180,000   $285,600   $250,800   $209,700   $267,600
                  $294,720   $288,000   $456,960   $401,280   $335,520   $428,160


    $0      $0    $478,920   $468,000   $742,560   $652,080   $545,220   $695,760


                   $15,350    $15,000    $23,800    $20,900    $17,475    $22,300

                   $15,350    $15,000    $23,800    $20,900    $17,475    $22,300
    $0      $0     $30,700    $30,000    $47,600    $41,800    $34,950    $44,600

                  $266,476   $260,400   $413,168   $362,824   $303,366   $387,128
                  $213,058   $208,200   $330,344   $290,092   $242,553   $309,524

                  $472,166   $461,400   $732,088   $642,884   $537,531   $685,948
    $0      $0    $951,700   $930,000 $1,475,600 $1,295,800 $1,083,450 $1,382,600

                   $40,524    $39,600    $62,832    $55,176    $46,134    $58,872
                  $124,642   $121,800   $193,256   $169,708   $141,897   $181,076

                  $479,534   $468,600   $743,512   $652,916   $545,919   $696,652
    $0      $0    $644,700   $630,000   $999,600   $877,800   $733,950   $936,600


                   $61,400    $60,000    $95,200    $83,600    $69,900    $89,200


    $0      $0     $61,400    $60,000    $95,200    $83,600    $69,900    $89,200


                   $12,280    $12,000    $19,040    $16,720    $13,980    $17,840


    $0      $0     $12,280    $12,000    $19,040    $16,720    $13,980    $17,840

                  $122,800   $120,000   $190,400   $167,200   $139,800   $178,400
                  $138,150   $135,000   $214,200   $188,100   $157,275   $200,700

                  $138,150   $135,000   $214,200   $188,100   $157,275   $200,700
    $0      $0    $399,100   $390,000   $618,800   $543,400   $454,350   $579,800

                   $30,700    $30,000    $47,600    $41,800    $34,950    $44,600
$0   $0     $30,700    $30,000    $47,600    $41,800     $34,950    $44,600




$0   $0          $0         $0         $0         $0         $0         $0




$0   $0          $0         $0         $0         $0         $0         $0

$0   $0 $2,609,500 $2,550,000 $4,046,000 $3,553,000 $2,970,750 $3,791,000




$0   $0          $0         $0         $0         $0         $0         $0

           $200,000   $200,000   $200,000   $166,800    $166,800   $166,800
           $100,000   $100,000   $100,000    $83,400     $83,300    $83,300
$0   $0    $300,000   $300,000   $300,000   $250,200    $250,100   $250,100




$0   $0          $0         $0         $0         $0         $0         $0

            $90,000    $90,000    $90,000    $75,060     $74,970    $74,970

$0   $0     $90,000    $90,000    $90,000    $75,060     $74,970    $74,970




$0   $0          $0         $0         $0         $0         $0         $0

          $3,500,000 $3,500,000 $3,500,000 $2,919,000 $2,915,500 $2,915,500

$0   $0 $3,500,000 $3,500,000 $3,500,000 $2,919,000 $2,915,500 $2,915,500




$0   $0          $0         $0         $0         $0         $0         $0




$0   $0          $0         $0         $0         $0         $0         $0
$0   $0        $0         $0         $0           $0         $0         $0


        $1,300,000 $1,300,000 $1,300,000 $1,084,200 $1,082,900 $1,082,900
$0   $0 $1,300,000 $1,300,000 $1,300,000 $1,084,200 $1,082,900 $1,082,900




$0   $0        $0         $0         $0           $0         $0         $0

$0   $0 $5,190,000 $5,190,000 $5,190,000 $4,328,460 $4,323,470 $4,323,470




$0   $0   $644,700   $630,000   $999,600     $877,800   $733,950   $936,600
$0   $0   $859,600   $840,000 $1,332,800   $1,170,400   $978,600 $1,248,800
$0   $0         $0         $0         $0           $0         $0         $0
$0   $0 $1,105,200 $1,080,000 $1,713,600   $1,504,800 $1,258,200 $1,605,600
$0   $0 $3,790,000 $3,790,000 $3,790,000   $3,160,860 $3,157,270 $3,157,270
$0   $0 $1,400,000 $1,400,000 $1,400,000   $1,167,600 $1,166,200 $1,166,200
   Jul-00     Aug-00     Sep-00     Oct-00     Nov-00     Dec-00     Jan-01     Feb-01




       $0         $0         $0         $0         $0         $0         $0         $0

 $264,000   $233,400   $241,800   $236,700   $270,300    $375,900   $222,950   $252,350
 $422,400   $373,440   $386,880   $378,720   $432,480    $601,440   $353,535   $400,155
                                                                          $0         $0
                                                                     $15,925    $18,025
 $686,400   $606,840   $628,680   $615,420   $702,780    $977,340   $592,410   $670,530

                                                                          $0         $0
  $22,000    $19,450    $20,150    $19,725    $22,525     $31,325    $15,925    $18,025
                                                                          $0         $0
  $22,000    $19,450    $20,150    $19,725    $22,525     $31,325    $15,925    $18,025
  $44,000    $38,900    $40,300    $39,450    $45,050     $62,650    $31,850    $36,050

 $381,920   $337,652   $349,804   $342,426   $391,034    $543,802   $191,100   $216,300
 $305,360   $269,966   $279,682   $273,783   $312,647    $434,791   $414,050   $468,650
                                                                     $31,850    $36,050
  $676,720   $598,282   $619,814   $606,741   $692,869   $963,557   $414,050   $468,650
$1,364,000 $1,205,900 $1,249,300 $1,222,950 $1,396,550 $1,942,150 $1,051,050 $1,189,650

  $58,080    $51,348    $53,196    $52,074    $59,466     $82,698         $0         $0
 $178,640   $157,934   $163,618   $160,167   $182,903    $254,359   $222,950   $252,350
                                                                     $31,850    $36,050
 $687,280   $607,618   $629,486   $616,209   $703,681   $978,593    $668,850   $757,050
 $924,000   $816,900   $846,300   $828,450   $946,050 $1,315,650    $923,650 $1,045,450

                                                                          $0         $0
  $88,000    $77,800    $80,600    $78,900    $90,100    $125,300   $414,050   $468,650
                                                                          $0         $0
                                                                          $0         $0
  $88,000    $77,800    $80,600    $78,900    $90,100    $125,300   $414,050   $468,650

                                                                          $0         $0
  $17,600    $15,560    $16,120    $15,780    $18,020     $25,060    $12,740    $14,420
                                                                          $0         $0
                                                                          $0         $0
  $17,600    $15,560    $16,120    $15,780    $18,020     $25,060    $12,740    $14,420

 $176,000   $155,600   $161,200   $157,800   $180,200    $250,600   $140,140   $158,620
 $198,000   $175,050   $181,350   $177,525   $202,725    $281,925    $31,850    $36,050
                                                                          $0         $0
 $198,000   $175,050   $181,350   $177,525   $202,725    $281,925   $159,250   $180,250
 $572,000   $505,700   $523,900   $512,850   $585,650    $814,450   $331,240   $374,920

  $44,000    $38,900    $40,300    $39,450    $45,050     $62,650    $50,960    $57,680
                                                                          $0         $0
                                                                          $0         $0
                                                                          $0         $0
  $44,000    $38,900    $40,300    $39,450    $45,050     $62,650    $50,960    $57,680

                                                                         $0         $0
                                                                         $0         $0
                                                                         $0         $0
                                                                         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0

                                                                         $0         $0
                                                                         $0         $0
                                                                         $0         $0
                                                                         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0

$3,740,000 $3,306,500 $3,425,500 $3,353,250 $3,829,250 $5,325,250 $3,407,950 $3,857,350




       $0         $0         $0         $0         $0         $0         $0         $0

 $146,800   $146,600   $146,600   $153,400   $153,400    $153,200   $176,750   $191,750
  $73,400    $73,400    $73,400    $76,700    $76,700     $76,600    $17,675    $19,175
 $220,200   $220,000   $220,000   $230,100   $230,100    $229,800   $194,425   $210,925

                                                                         $0         $0
                                                                         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0

  $66,060    $65,970    $65,970    $69,030    $69,030     $69,040    $77,770    $84,370
                                                                          $0         $0
  $66,060    $65,970    $65,970    $69,030    $69,030     $69,040    $77,770    $84,370

                                                                         $0         $0
                                                                         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0

$2,569,000 $2,565,500 $2,565,500 $2,684,500 $2,684,500 $2,681,000 $1,414,000 $1,534,000
                                                                          $0         $0
$2,569,000 $2,565,500 $2,565,500 $2,684,500 $2,684,500 $2,681,000 $1,414,000 $1,534,000

                                                                         $0         $0
                                                                         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0

                                                                         $0         $0
                                                                         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0
                                                                                   $0         $0
                                                                                   $0         $0
       $0           $0           $0           $0           $0           $0         $0         $0

                                                                                   $0          $0
 $954,200     $952,900     $952,900     $997,100     $997,100     $995,800   $862,540    $935,740
 $954,200     $952,900     $952,900     $997,100     $997,100     $995,800   $862,540    $935,740




       $0           $0           $0           $0           $0           $0         $0         $0

$3,809,460 $3,804,370 $3,804,370 $3,980,730 $3,980,730 $3,975,640 $2,548,735 $2,765,035




  $924,000     $816,900     $846,300     $828,450     $946,050   $1,315,650   $605,150   $684,950
$1,232,000   $1,089,200   $1,128,400   $1,104,600   $1,261,400   $1,754,200 $1,465,100 $1,658,300
        $0           $0           $0           $0           $0           $0    $63,700    $72,100
$1,584,000   $1,400,400   $1,450,800   $1,420,200   $1,621,800   $2,255,400 $1,274,000 $1,442,000
$2,781,860   $2,778,070   $2,778,070   $2,906,930   $2,906,930   $2,903,240 $1,668,520 $1,810,120
$1,027,600   $1,026,300   $1,026,300   $1,073,800   $1,073,800   $1,072,400   $880,215   $954,915
   Mar-01     Apr-01     May-01     Jun-01      Jul-01    Aug-01     Sep-01      Oct-01




       $0         $0         $0         $0         $0         $0         $0         $0

 $342,300   $287,000   $245,000   $308,700   $285,950    $273,700   $268,800   $259,700
 $542,790   $455,100   $388,500   $489,510   $453,435    $434,010   $426,240   $411,810
       $0         $0         $0         $0         $0          $0         $0         $0
  $24,450    $20,500    $17,500    $22,050    $20,425     $19,550    $19,200    $18,550
 $909,540   $762,600   $651,000   $820,260   $759,810    $727,260   $714,240   $690,060

       $0         $0         $0         $0         $0          $0         $0         $0
  $24,450    $20,500    $17,500    $22,050    $20,425     $19,550    $19,200    $18,550
       $0         $0         $0         $0         $0          $0         $0         $0
  $24,450    $20,500    $17,500    $22,050    $20,425     $19,550    $19,200    $18,550
  $48,900    $41,000    $35,000    $44,100    $40,850     $39,100    $38,400    $37,100

  $293,400   $246,000   $210,000   $264,600   $245,100   $234,600   $230,400   $222,600
  $635,700   $533,000   $455,000   $573,300   $531,050   $508,300   $499,200   $482,300
   $48,900    $41,000    $35,000    $44,100    $40,850    $39,100    $38,400    $37,100
  $635,700   $533,000   $455,000   $573,300   $531,050   $508,300   $499,200   $482,300
$1,613,700 $1,353,000 $1,155,000 $1,455,300 $1,348,050 $1,290,300 $1,267,200 $1,224,300

        $0         $0         $0         $0         $0         $0         $0         $0
  $342,300   $287,000   $245,000   $308,700   $285,950   $273,700   $268,800   $259,700
   $48,900    $41,000    $35,000    $44,100    $40,850    $39,100    $38,400    $37,100
$1,026,900   $861,000   $735,000   $926,100   $857,850   $821,100   $806,400   $779,100
$1,418,100 $1,189,000 $1,015,000 $1,278,900 $1,184,650 $1,133,900 $1,113,600 $1,075,900

       $0         $0         $0         $0         $0          $0         $0         $0
 $635,700   $533,000   $455,000   $573,300   $531,050    $508,300   $499,200   $482,300
       $0         $0         $0         $0         $0          $0         $0         $0
       $0         $0         $0         $0         $0          $0         $0         $0
 $635,700   $533,000   $455,000   $573,300   $531,050    $508,300   $499,200   $482,300

       $0         $0         $0         $0         $0          $0         $0         $0
  $19,560    $16,400    $14,000    $17,640    $16,340     $15,640    $15,360    $14,840
       $0         $0         $0         $0         $0          $0         $0         $0
       $0         $0         $0         $0         $0          $0         $0         $0
  $19,560    $16,400    $14,000    $17,640    $16,340     $15,640    $15,360    $14,840

 $215,160   $180,400   $154,000   $194,040   $179,740    $172,040   $168,960   $163,240
  $48,900    $41,000    $35,000    $44,100    $40,850     $39,100    $38,400    $37,100
       $0         $0         $0         $0         $0          $0         $0         $0
 $244,500   $205,000   $175,000   $220,500   $204,250    $195,500   $192,000   $185,500
 $508,560   $426,400   $364,000   $458,640   $424,840    $406,640   $399,360   $385,840

  $78,240    $65,600    $56,000    $70,560    $65,360     $62,560    $61,440    $59,360
       $0         $0         $0         $0         $0          $0         $0         $0
       $0         $0         $0         $0         $0          $0         $0         $0
       $0         $0         $0         $0         $0          $0         $0         $0
  $78,240    $65,600    $56,000    $70,560    $65,360     $62,560    $61,440    $59,360

       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0

       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0

$5,232,300 $4,387,000 $3,745,000 $4,718,700 $4,370,950 $4,183,700 $4,108,800 $3,969,700




       $0         $0         $0         $0         $0         $0         $0         $0

 $224,500   $254,750   $224,500   $227,750   $232,250    $211,000   $192,500   $211,000
  $22,450    $25,475    $22,450    $22,775    $23,225     $21,100    $19,250    $21,100
 $246,950   $280,225   $246,950   $250,525   $255,475    $232,100   $211,750   $232,100

       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0

  $98,780   $112,090    $98,780   $100,210   $102,190     $92,840    $84,700    $92,840
       $0         $0         $0         $0         $0          $0         $0         $0
  $98,780   $112,090    $98,780   $100,210   $102,190     $92,840    $84,700    $92,840

       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0

$1,796,000 $2,038,000 $1,796,000 $1,822,000 $1,858,000 $1,688,000 $1,540,000 $1,688,000
        $0         $0         $0         $0         $0         $0         $0         $0
$1,796,000 $2,038,000 $1,796,000 $1,822,000 $1,858,000 $1,688,000 $1,540,000 $1,688,000

       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0

       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0
       $0         $0         $0         $0         $0         $0         $0         $0
       $0           $0           $0           $0           $0           $0         $0         $0
       $0           $0           $0           $0           $0           $0         $0         $0
       $0           $0           $0           $0           $0           $0         $0         $0

        $0         $0         $0         $0         $0         $0                  $0         $0
$1,095,560 $1,243,180 $1,095,560 $1,111,420 $1,133,380 $1,029,680            $939,400 $1,029,680
$1,095,560 $1,243,180 $1,095,560 $1,111,420 $1,133,380 $1,029,680            $939,400 $1,029,680




       $0           $0           $0           $0           $0           $0         $0         $0

$3,237,290 $3,673,495 $3,237,290 $3,284,155 $3,349,045 $3,042,620 $2,775,850 $3,042,620




  $929,100     $779,000     $665,000     $837,900     $776,150     $742,900   $729,600   $704,900
$2,249,400   $1,886,000   $1,610,000   $2,028,600   $1,879,100   $1,798,600 $1,766,400 $1,706,600
   $97,800      $82,000      $70,000      $88,200      $81,700      $78,200    $76,800    $74,200
$1,956,000   $1,640,000   $1,400,000   $1,764,000   $1,634,000   $1,564,000 $1,536,000 $1,484,000
$2,119,280   $2,404,840   $2,119,280   $2,149,960   $2,192,440   $1,991,840 $1,817,200 $1,991,840
$1,118,010   $1,268,655   $1,118,010   $1,134,195   $1,156,605   $1,050,780   $958,650 $1,050,780
   Nov-01     Dec-01




       $0         $0

 $306,250   $447,300
 $485,625   $709,290
       $0         $0
  $21,875    $31,950
 $813,750 $1,188,540

       $0          $0
  $21,875     $31,950
       $0          $0
  $21,875     $31,950
  $43,750     $63,900

  $262,500   $383,400
  $568,750   $830,700
   $43,750    $63,900
  $568,750   $830,700
$1,443,750 $2,108,700

        $0         $0
  $306,250   $447,300
   $43,750    $63,900
  $918,750 $1,341,900
$1,268,750 $1,853,100

       $0          $0
 $568,750    $830,700
       $0          $0
       $0          $0
 $568,750    $830,700

       $0          $0
  $17,500     $25,560
       $0          $0
       $0          $0
  $17,500     $25,560

 $192,500    $281,160
  $43,750     $63,900
       $0          $0
 $218,750    $319,500
 $455,000    $664,560

  $70,000    $102,240
       $0          $0
       $0          $0
       $0          $0
  $70,000    $102,240

       $0         $0
       $0         $0
       $0         $0
       $0         $0
       $0         $0

       $0         $0
       $0         $0
       $0         $0
       $0         $0
       $0         $0

$4,681,250 $6,837,300




       $0         $0

 $160,500    $192,750
  $16,050     $19,275
 $176,550    $212,025

       $0         $0
       $0         $0
       $0         $0

  $70,620     $84,810
       $0          $0
  $70,620     $84,810

       $0         $0
       $0         $0
       $0         $0

$1,284,000 $1,542,000
        $0         $0
$1,284,000 $1,542,000

       $0         $0
       $0         $0
       $0         $0

       $0         $0
       $0         $0
       $0         $0
       $0           $0
       $0           $0
       $0           $0

       $0           $0
 $783,240     $940,620
 $783,240     $940,620




       $0           $0

$2,314,410 $2,779,455




  $831,250   $1,214,100
$2,012,500   $2,939,400
   $87,500     $127,800
$1,750,000   $2,556,000
$1,515,120   $1,819,560
  $799,290     $959,895
Measure                                      Jan-99   Feb-99

Communications
Inter-Company Expenses
Internal Audit
Planning & Technology
President
University Life Operations
Internal Integration
President & CEO                                 $0       $0

Corporate Services
Employee Benefits
Human Resources
Information Technology
Legal & Compliance
Chief Administration & Legal Officer            $0       $0

Actuarial
Corporate Finance
Investments
Chief Financial Officer                         $0       $0

Multi-Company Executive
Western Security
Strategic Alliances
External Underwriting Expenses
Performance Management
Customer Management Center
Customer Care (Service)
Shared Service
Customer Acquisition (Prior to March 2001)
Multi-Company Operations                        $0       $0

Actuarial - Whole Life
Annuity Operations
Chief Marketing Officer
Field Force Benefits
Independent Marketing Organizations
Marketing Services
Sales Development
Strategic Case Management
Business Center (Years Prior to 2001)
Sales & Marketing                               $0       $0

Best Project
Customer Care
E-Business
Variable Product Administration
Reporting Improvement Project (Prior Year)
Service Improvement (Prior Year)
Major System Upgrades (Prior Year)
Special Corporate Initiatives        $0   $0

AmerUs Integration
Demutualization
Class Action Lawsuit
Other
Extraordinary Projects               $0   $0

Expenses                             $0   $0

Bankers Life of New York
Expenses - Extraordinary Items       $0   $0
Operating Expenses                   $0   $0

Percent of Expenditures by Month
Mar-99   Apr-99   May-99   Jun-99   Jul-99   Aug-99   Sep-99   Oct-99




   $0       $0        $0      $0       $0        $0      $0       $0




   $0       $0        $0      $0       $0        $0      $0       $0




   $0       $0        $0      $0       $0        $0      $0       $0




   $0       $0        $0      $0       $0        $0      $0       $0




   $0       $0        $0      $0       $0        $0      $0       $0
$0   $0   $0   $0   $0   $0   $0   $0




$0   $0   $0   $0   $0   $0   $0   $0

$0   $0   $0   $0   $0   $0   $0   $0


$0   $0   $0   $0   $0   $0   $0   $0
$0   $0   $0   $0   $0   $0   $0   $0
Nov-99   Dec-99    Jan-00     Feb-00     Mar-00      Apr-00    May-00     Jun-00

                   $90,732   $136,405   $314,167   $305,141   $507,111   $688,294
                        $0         $0 -$351,294    $129,395 -$288,444 -$566,310
                    $5,544    $37,834    $75,702    $94,042   $115,281   $164,943
                   $17,772    $49,705    $92,870   $117,647   $149,626   $253,464
                  $161,363   $314,186   $567,290   $643,974   $735,891   $885,019
                   $22,763    $93,338   $737,658   $222,697   $828,042 $1,367,171
                        $0         $0    $55,021    $66,006    $74,133    $94,852
    $0      $0    $298,174   $631,468 $1,491,414 $1,578,902 $2,121,640 $2,887,433

                   $83,054   $987,570 $1,023,532 $1,278,526 $1,540,814 $1,933,045
               -$2,468,012   $464,092   $528,345   $121,134   $976,594   $846,642
                   $28,493   $139,279   $255,791   $329,140   $391,439   $482,563
                  $278,143   $827,247 $1,752,070 $2,164,087 $2,690,610 $3,397,301
                 -$222,292   $130,699   $416,984   $446,738   $792,631   $845,290
    $0      $0 -$2,300,614 $2,548,887 $3,976,722 $4,339,625 $6,392,088 $7,504,841

                   $37,111   $225,022   $440,453   $541,157   $722,475   $886,075
                   $69,340   $479,878   $694,045   $837,888   $983,812 $1,151,170
                  $145,097   $279,756   $391,404   $486,369   $586,958   $773,786
    $0      $0    $251,548   $984,656 $1,525,902 $1,865,414 $2,293,245 $2,811,031

                    $8,694    $59,723   $150,146   $184,914   $234,496   $293,390

                    $8,867    $41,213    $81,204   $114,290   $138,101   $147,706

                  $383,323   $413,518   $908,058   $874,511   $974,300 $1,720,801

                   $86,933   $393,463   $779,825   $974,481 $1,203,048 $1,389,720

                  $103,141   $330,803   $511,349   $616,632   $742,203   $933,588
    $0      $0    $590,958 $1,238,720 $2,430,582 $2,764,828 $3,292,148 $4,485,205

                   -$6,607    $39,970    $78,207   $105,260   $127,606   $149,532
                  $119,437   $567,516 $1,443,907 $1,519,129 $1,858,349 $2,408,030
                   $39,951   $108,416   $165,471   $213,126   $258,395   $342,541
                   $39,685    $99,085    $28,949    $48,869   -$19,500     $7,643
                        $0    $88,147   $202,075   $244,355   $272,774   $340,237
                   $21,743   $422,846   $784,880   $998,827 $1,238,545 $1,569,953
                   $43,081   $212,291   $503,621   $644,790   $823,463 $1,057,007

                   $17,020    $91,427   $202,794   $219,151   $263,397   $315,057
    $0      $0    $274,310 $1,629,698 $3,409,904 $3,993,507 $4,823,029 $6,190,000

                        $0         $0   $240,953   $407,872   $489,070   $662,349
                        $0         $0         $0         $0         $0         $0
                        $0         $0         $0     $7,878    $46,793    $81,361
                        $0         $0         $0         $0         $0         $0
                        $0         $0    $22,462    $22,462    $22,462    $22,462
                   $19,479    $31,152         $0     $1,576         $0         $8
                $0          $0      $3,020      $8,665     $8,860    $137,495
$0   $0    $19,479     $31,152    $266,435    $448,453   $567,185    $903,675

          -$139,759   $152,376 $2,634,976 $2,461,609 $2,499,643 $2,983,398
             $6,415    $17,873 $1,933,906 $2,477,502 $4,017,065 $7,694,600
                 $0         $0   $223,017   $189,483   $279,472   $345,514

$0   $0   -$133,344   $170,249 $4,791,899 $5,128,594 $6,796,180 $11,023,512

$0   $0   -$999,489 $7,234,830 $17,892,858 $20,119,323 $26,285,515 $35,805,697

           $724,797 $1,449,594 $2,174,391 $2,899,188 $3,597,400 $4,392,851
$0   $0   -$133,344   $170,249 $4,791,899 $5,128,594 $6,796,180 $11,023,512
$0   $0   -$141,348 $8,514,175 $15,275,350 $17,889,917 $23,086,735 $29,175,036

             -0.2%       14.1%      25.3%       29.6%       38.3%       48.3%
    Jul-00      Aug-00        Sep-00        Oct-00        Nov-00        Dec-00     Jan-01     Feb-01

  $764,900   $817,806   $927,230 $1,073,891            $1,148,221    $1,222,858   $103,088   $136,099
 -$508,390 -$442,234 -$564,957 -$570,179                -$492,782     -$678,706    $13,917     $4,787
  $190,285   $226,230   $255,538   $272,257              $314,590      $329,900    $12,181    $43,912
  $220,007   $257,285   $292,415   $323,522              $353,932      $379,131    $27,576    $65,977
$1,029,744 $1,142,744 $1,265,915 $1,416,391            $1,539,115    $1,608,755   $153,128   $252,807
$1,405,658 $1,447,479 $1,935,626 $1,540,006            $1,588,822    $2,559,109    $46,217    $95,985
  $303,343   $126,207   $140,368   $420,468              $641,023      $183,864    $14,904    $32,802
$3,405,547 $3,575,517 $4,252,135 $4,476,356            $5,092,921    $5,604,911   $371,011   $632,369

$2,130,640   $2,476,343    $2,876,507    $3,174,508    $3,384,639    $3,776,039   $450,538   $956,124
$1,021,754   $1,203,200    $1,405,924    $1,597,026    $1,764,844    $5,949,637   $145,170   $369,311
  $549,292     $692,092      $800,862    $1,152,952    $1,218,494    $1,203,515    $47,845   $100,363
$3,865,969   $4,486,960    $5,107,951    $5,693,037    $6,319,290    $6,843,668   $555,352 $1,055,105
  $965,237   $1,043,929    $1,211,068    $1,261,505    $1,373,618    $1,083,464    $72,300   $144,826
$8,532,892   $9,902,524   $11,402,312   $12,879,028   $14,060,885   $18,856,323 $1,271,205 $2,625,729

  $996,342 $1,184,231 $1,301,230 $1,365,107 $1,475,381               $1,500,744   $105,136   $203,137
$1,292,435 $1,480,265 $1,632,983 $1,773,998 $1,917,121               $1,972,119   $144,889   $259,441
  $859,762   $945,507 $1,492,042 $1,357,036 $1,427,591               $1,677,526    $52,884   $115,831
$3,148,539 $3,610,003 $4,426,255 $4,496,141 $4,820,093               $5,150,389   $302,909   $578,409

 $325,172     $368,586      $431,185      $475,715      $521,488      $541,733     $42,825    $81,223

 $172,651     $195,421      $223,872      $234,728      $259,572      $255,651     $11,223    $23,572

$1,822,727 $1,920,552 $2,174,752 $2,311,975 $2,416,955 $2,300,475                  $42,255    $72,930

$1,600,313 $1,834,213 $2,044,626 $2,259,393 $2,473,052 $2,489,222                 $185,439   $345,595

$1,049,309 $1,157,001 $1,252,415 $1,322,546 $1,399,487 $1,296,841                 $227,801   $365,475
$4,970,172 $5,475,773 $6,126,850 $6,604,357 $7,070,554 $6,883,922                 $509,543   $888,795

  $173,815   $199,030   $227,210   $253,653   $277,316   $270,960                  $14,475    $97,131
$2,660,342 $2,955,099 $3,618,042 $3,838,376 $4,393,709 $4,932,297                 $454,556   $720,536
  $387,428   $434,109   $484,834   $573,230   $623,124   $817,164                  $59,701   $127,137
   $27,262    $46,846    $66,466   $282,978   $421,178   $597,074                  $17,240    $58,133
  $376,535   $420,006   $514,901   $532,513   $575,324   $602,235                 $100,493   $149,570
$1,784,072 $2,045,026 $2,332,925 $2,558,888 $2,812,758 $3,184,814                 $247,080   $493,559
$1,200,112 $1,344,478 $1,778,354 $1,818,039 $1,799,943 $2,264,371                 $241,060   $435,816

  $363,770   $414,547   $464,624    $520,761    $573,895    $562,765
$6,973,336 $7,859,141 $9,487,356 $10,378,438 $11,477,247 $13,231,680 $1,134,605 $2,081,882

 $695,938     $697,377      $706,583      $708,142      $709,581      $720,245
       $0           $0            $0            $0        $1,870        $1,870     $14,585    $40,272
  $90,506     $108,391      $124,901      $126,394      $132,221      $405,698     $51,333    $82,212
       $0           $0            $0            $0       $38,796      $170,434     $90,892   $142,159
  $22,462      $22,462       $22,462        $2,398        $4,172      $150,117
       $0           $0            $0            $0            $0            $0
  $145,614     $34,800     $43,310     $44,602   $198,047   $286,939
  $954,520    $863,030    $897,256    $881,536 $1,084,687 $1,735,303      $156,810   $264,643

 $2,806,180 $3,406,470 $4,176,893 $4,278,915 $4,472,399 $5,799,632        $102,193   $150,951
 $7,776,796 $9,406,597 $11,659,841 $11,642,924 $12,220,389 $12,928,485    $140,635   $289,965
   $343,648   $366,228    $381,073    $392,788    $403,800    $375,658    -$13,515     $2,251
                                                                            $3,986    $26,874
$10,926,624 $13,179,295 $16,217,807 $16,314,627 $17,096,588 $19,103,775   $233,299   $470,041

$38,911,630 $44,465,283 $52,809,971 $56,030,483 $60,702,975 $70,566,303 $3,979,382 $7,541,868

 $5,123,325 $5,878,122 $6,383,913 $7,103,374 $7,871,141 $8,883,290        $622,111 $1,244,221
$10,926,624 $13,179,295 $16,217,807 $16,314,627 $17,096,588 $19,103,775   $233,299   $470,041
$33,108,331 $37,164,110 $42,976,077 $46,819,230 $51,477,528 $60,345,818 $4,368,194 $8,316,048

     54.9%       61.6%       71.2%       77.6%       85.3%      100.0%
   Mar-01       Apr-01       May-01        Jun-01         Jul-01       Aug-01    Sep-01   Oct-01

 $185,204     $267,203     $434,727   $576,207   $607,353   $651,319
 -$86,050     -$97,143    -$219,630 -$315,725 -$360,618 -$399,625
  $56,250      $72,700      $86,144    $98,334   $109,705   $122,200
  $97,537     $128,497     $153,333   $183,873   $215,144   $255,841
 $356,711     $458,442     $553,921   $714,431   $819,544   $904,580
 $793,146     $786,821     $744,039 $1,469,624 $1,699,690 $1,930,391

$1,402,798 $1,616,520 $1,752,534 $2,726,744 $3,090,818 $3,464,706                   $0       $0

$1,402,023   $1,802,635   $2,160,825    $2,678,890    $3,076,901    $3,582,153
  $738,927   $1,168,621   $1,632,543    $3,821,913    $2,331,267    $2,697,909
  $106,838     $143,969     $216,490      $230,347      $280,539      $307,620
$1,747,739   $2,262,332   $2,912,873    $3,570,585    $4,245,037    $4,809,286
  $268,820     $339,929     $413,461      $531,235      $599,557      $668,364
$4,264,347   $5,717,486   $7,336,192   $10,832,970   $10,533,301   $12,065,332      $0       $0

  $325,094   $764,886   $536,055   $624,997   $750,065              $1,219,042
  $483,462   $585,029   $688,270   $806,057   $907,117              $1,018,421
  $488,661   $558,205   $608,719 $1,660,850 $2,206,797              $2,546,115
$1,297,217 $1,908,120 $1,833,044 $3,091,904 $3,863,979              $4,783,578      $0       $0

 $137,137     $179,550     $226,935      $276,507   $323,064   $363,050
  $12,423      $12,635      $13,101       $18,421    $19,304    $30,681
  $91,374      $46,730      $85,889       $93,892   $101,125   $108,072
 $116,510     -$14,887      $36,082       $89,395    $83,375   $194,707
 $152,013     $199,949     $187,459      $225,164   $266,581   $303,774
 $103,283     $138,268     $175,947      $191,124   $237,819   $277,653
 $447,309     $581,738     $738,618      $885,501 $1,032,080 $1,206,608
 $228,521     $299,138     $382,288      $491,204   $562,575   $638,822

$1,288,570 $1,443,121 $1,846,319 $2,271,208 $2,625,923 $3,123,367                   $0       $0

   $38,968    $49,616    $62,132    $74,672    $87,269    $99,725
$2,001,234 $1,770,730 $2,541,856 $3,592,287 $3,693,633 $4,203,287
  $221,562   $262,979   $323,964   $440,374   $571,306   $645,462
   $98,838   $132,321   $107,038   $164,621   $209,397   $270,412
  $124,219   $148,977   $184,989   $229,788   $265,136   $318,352
  $878,937 $1,154,162 $1,438,474 $1,751,751 $2,046,716 $2,323,404
  $511,248   $682,704   $854,877 $1,032,022 $1,195,886 $1,400,914
   $77,421   $101,797   $128,095   $154,921   $180,543   $206,540

$3,952,427 $4,303,286 $5,641,425 $7,440,436 $8,249,886 $9,468,096                   $0       $0


  $78,718      $94,044     $118,179      $159,422      $180,227      $202,151
  $93,742     $119,337     $144,602      $195,367      $221,203      $245,930
 $116,853     $171,633     $245,290      $282,182      $402,588      $518,852
  $289,313    $385,014    $508,071    $636,971     $804,018      $966,933    $0   $0

   $375,387   $413,280   $512,589 $6,065,233      $6,081,325    $6,167,847
 $1,091,526 $1,134,243 $2,686,010 $3,969,207      $3,966,495    $3,912,266
   $110,061   $112,590   $172,965    $317,525       $392,412      $398,718
   $148,686   $387,824 $1,888,483 $3,789,082      $5,828,269    $7,940,973
 $1,725,660 $2,047,937 $5,260,047 $14,141,047    $16,268,501   $18,419,804   $0   $0

$14,220,332 $17,421,484 $24,177,632 $41,141,280 $45,436,426 $52,291,816      $0   $0

 $1,747,380 $2,580,205 $3,254,597 $3,997,498 $4,746,128 $5,474,812
 $1,725,660 $2,047,937 $5,260,047 $14,141,047 $16,268,501 $18,419,804        $0   $0
$14,242,052 $17,953,752 $22,172,182 $30,997,731 $33,914,053 $39,346,824      $0   $0
Nov-01   Dec-01




    $0      $0




    $0      $0




    $0      $0




    $0      $0




    $0      $0
$0   $0




$0   $0

$0   $0


$0   $0
$0   $0
Measure                                      Jan-99   Feb-99

Communications
Inter-Company Expenses
Internal Audit
Planning & Technology
President
University Life Operations
Internal Integration
President & CEO                                 $0       $0

Corporate Services
Employee Benefits
Human Resources
Information Technology
Legal & Compliance
Chief Administration & Legal Officer            $0       $0

Actuarial
Corporate Finance
Investments
Chief Financial Officer                         $0       $0

Multi-Company Executive
Western Security
Strategic Alliances
External Underwriting Expenses
Performance Management
Customer Management Center
Customer Care (Service)
Shared Service
Customer Acquisition (Prior to March 2001)
Multi-Company Operations                        $0       $0

Actuarial - Whole Life
Annuity Operations
Chief Marketing Officer
Field Force Benefits
Independent Marketing Organizations
Marketing Services
Sales Development
Strategic Case Management
Business Center (Years Prior to 2001)
Sales & Marketing                               $0       $0

Best Project
Customer Care
E-Business
Variable Product Administration
Reporting Improvement Project (Prior Year)
Service Improvement (Prior Year)
Major System Upgrades (Prior Year)
Special Corporate Initiatives        $0   $0

AmerUs Integration
Demutualization
Class Action Lawsuit
Other
Extraordinary Projects               $0   $0

Expenses                             $0   $0

Bankers Life of New York
Expenses - Extraordinary Items       $0   $0
Operating Expenses                   $0   $0

Percent of Expenditures by Month
Mar-99   Apr-99   May-99   Jun-99   Jul-99   Aug-99   Sep-99   Oct-99




   $0       $0        $0      $0       $0        $0      $0       $0




   $0       $0        $0      $0       $0        $0      $0       $0




   $0       $0        $0      $0       $0        $0      $0       $0




   $0       $0        $0      $0       $0        $0      $0       $0




   $0       $0        $0      $0       $0        $0      $0       $0
$0   $0   $0   $0   $0   $0   $0   $0




$0   $0   $0   $0   $0   $0   $0   $0

$0   $0   $0   $0   $0   $0   $0   $0


$0   $0   $0   $0   $0   $0   $0   $0
$0   $0   $0   $0   $0   $0   $0   $0
Nov-99   Dec-99    Jan-00     Feb-00     Mar-00      Apr-00    May-00     Jun-00

                  $126,876   $196,877   $310,147   $468,609   $609,686   $827,176
                   $69,298   $108,588 -$227,122 -$187,832 -$166,309 -$519,786
                   $13,324    $43,090    $88,034   $117,935   $144,240   $184,404
                   $18,152    $57,978   $124,880   $154,091   $182,840   $221,903
                  $131,234   $256,168   $426,305   $532,354   $689,960   $963,216
                  $169,228   $350,293   $549,133   $732,117   $919,841 $1,124,536
                        $0    $23,300    $48,080    $59,844    $74,021    $94,744
    $0      $0    $528,112 $1,036,294 $1,319,457 $1,877,118 $2,454,279 $2,896,193

                  $307,698   $618,996   $990,267 $1,276,774 $1,574,265 $1,947,296
                   $22,001    $59,002   $581,003   $103,004   $958,337 $1,897,004
                   $52,397   $133,697   $240,129   $335,291   $419,835   $517,091
                  $482,419 $1,086,901 $1,786,453 $2,392,186 $2,887,320 $3,609,877
                   $77,009   $177,065   $319,796   $414,788   $531,020   $684,813
    $0      $0    $941,524 $2,075,661 $3,917,648 $4,522,043 $6,370,777 $8,656,081

                  $156,133   $301,972   $510,305   $663,546   $783,676   $947,244
                  $190,069   $421,878   $698,873   $852,625   $997,775 $1,175,894
                   $86,929   $200,424   $377,858   $484,313   $614,698   $768,399
    $0      $0    $433,131   $924,274 $1,587,036 $2,000,484 $2,396,149 $2,891,537

                   $32,684    $72,783   $137,489   $170,955   $209,884   $264,493

                   $15,905    $42,212    $58,877    $82,657    $84,002   $124,261

                  $116,881   $289,462   $902,846 $1,011,474 $1,204,138 $1,408,139

                  $144,786   $427,689   $741,058   $914,210 $1,120,874 $1,398,787

                  $135,413   $313,743   $530,524   $635,290   $756,296   $918,262
    $0      $0    $445,669 $1,145,889 $2,370,794 $2,814,586 $3,375,194 $4,113,942

                   $16,979    $40,832    $78,794    $97,936   $121,012   $153,192
                  $346,860   $759,159 $1,216,261 $1,583,034 $1,931,482 $2,303,427
                   $84,085   $124,443   $190,996   $281,925   $320,256   $375,965
                   $52,221   $102,942   $153,642   $204,342   $255,042   $305,742
                   $41,458    $82,917   $138,477   $171,779   $298,682   $347,713
                  $223,930   $501,036   $882,141 $1,143,029 $1,413,900 $1,773,873
                  $229,123   $427,014   $626,952   $796,869   $939,567 $1,117,488

                  $45,933   $116,548   $187,025   $232,988   $283,755   $350,286
    $0      $0 $1,040,589 $2,154,891 $3,474,288 $4,511,902 $5,563,696 $6,727,686

                   $22,500    $45,000   $314,410   $314,410   $314,410   $314,410
                        $0         $0   $500,000   $500,000   $500,000   $500,000
                   $29,347    $58,694   $500,000   $500,000   $500,000   $500,000
                        $0         $0         $0         $0         $0         $0
                        $0         $0   $295,000   $295,000   $295,000   $295,000
                        $0         $0         $0         $0         $0         $0
            $1,441      $2,882     $2,882     $2,882     $2,882     $2,882
$0   $0    $53,288    $106,576 $1,612,292 $1,612,292 $1,612,292 $1,612,292

            $1,453      $2,906 $6,604,455 $6,604,455 $6,604,455 $6,604,455
          $300,000    $600,000 $6,122,254 $6,122,254 $6,122,254 $6,122,254
                $0          $0   $250,000   $250,000   $250,000   $250,000

$0   $0   $301,453    $602,906 $12,976,709 $12,976,709 $12,976,709 $12,976,709

$0   $0 $3,743,766 $8,046,491 $27,258,224 $30,315,134 $34,749,096 $39,874,440

          $788,590 $1,577,180 $2,365,770 $3,154,360 $3,879,192 $4,604,024
$0   $0   $301,453   $602,906 $12,976,709 $12,976,709 $12,976,709 $12,976,709
$0   $0 $4,230,903 $9,020,765 $16,647,285 $20,492,785 $25,651,579 $31,501,755

              7.2%      15.4%       28.4%       34.9%       43.7%       53.7%
    Jul-00       Aug-00        Sep-00        Oct-00        Nov-00        Dec-00     Jan-01     Feb-01

  $933,683    $1,008,000    $1,088,534    $1,198,901    $1,282,390    $1,353,963    $62,425   $131,918
 -$498,263     -$476,740     -$830,217     -$808,694     -$787,171   -$1,500,000              -$44,500
  $196,994      $231,590      $260,503      $292,639      $322,652      $345,569    $11,083    $22,346
  $238,176      $267,645      $304,566      $336,335      $366,906      $397,437    $62,019    $92,233
$1,048,772    $1,161,720    $1,269,668    $1,403,616    $1,545,564    $1,755,314   $198,476   $327,677
$1,307,935    $1,502,857    $1,699,546    $1,917,391    $2,120,832    $2,369,052    $54,713   $112,825
  $102,375      $117,643      $132,911      $148,179      $163,447      $180,989    $14,848    $30,009
$3,329,672    $3,812,715    $3,925,511    $4,488,367    $5,014,620    $4,902,324   $403,564   $672,508

$2,209,312    $2,513,847    $2,819,654    $3,126,867    $3,437,874    $3,692,213   $437,074   $874,445
$2,085,671    $2,274,338    $2,463,004    $2,721,670    $2,910,336    $6,027,268   $292,373   $570,746
  $581,073      $658,833      $735,913      $823,538      $914,863    $1,018,700    $71,928   $107,906
$4,019,141    $4,598,367    $5,179,805    $5,782,825    $6,361,733    $7,111,161   $560,846 $1,151,273
  $772,328      $879,333      $986,338    $1,093,344    $1,200,350    $1,143,900    $91,964   $184,064
$9,667,525   $10,924,718   $12,184,714   $13,548,244   $14,825,156   $18,993,242 $1,454,185 $2,888,434

$1,026,880 $1,149,596 $1,276,133 $1,407,119 $1,533,059                $1,581,027   $104,432   $200,156
$1,327,471 $1,476,959 $1,635,414 $1,783,360 $1,928,680                $2,029,862   $151,024   $335,403
  $839,749   $921,177 $1,014,074 $1,102,157 $1,184,851                $1,259,827    $76,253   $132,122
$3,194,100 $3,547,732 $3,925,621 $4,292,636 $4,646,590                $4,870,716   $331,709   $667,681

 $287,178      $328,397      $369,771      $412,660      $453,639      $499,407     $87,308   $140,321

 $145,592      $182,373      $227,154      $259,235      $289,541      $317,835     $18,297    $37,854

$1,472,286 $1,618,664 $1,768,772 $1,915,893 $2,010,942 $1,620,927                   $40,536    $80,592

$1,529,081 $1,763,044 $1,995,074 $2,226,774 $2,460,172 $2,644,954                  $174,553   $346,375

  $995,598 $1,122,075 $1,249,825 $1,375,174 $1,491,498 $1,460,255                  $418,252   $715,961
$4,429,735 $5,014,553 $5,610,596 $6,189,736 $6,705,792 $6,543,378                  $738,946 $1,321,103

  $166,705   $190,978   $215,251   $239,524   $263,239   $274,452                   $14,900    $27,940
$2,585,822 $2,855,630 $3,144,438 $3,468,392 $3,758,650 $3,971,772                  $678,149   $997,473
  $457,893   $499,120   $540,347   $640,574   $681,801   $724,646                   $99,524   $154,770
  $357,942   $408,642   $459,342   $510,042   $560,742   $611,400                   $38,282    $59,064
  $392,496   $435,088   $495,181   $545,861   $595,786   $616,550                   $40,892    $73,721
$1,994,089 $2,278,716 $2,585,013 $2,862,144 $3,142,860 $3,412,386                  $285,679   $551,888
$1,365,696 $1,544,707 $1,729,217 $1,932,754 $2,109,516 $2,412,680                  $339,129   $527,463

  $388,997   $435,804   $482,061    $535,118    $580,375    $578,495
$7,709,640 $8,648,685 $9,650,850 $10,734,409 $11,692,969 $12,602,381 $1,496,555 $2,392,319

 $314,410      $314,410      $314,410      $314,410      $314,410      $326,393
 $500,000      $500,000      $500,000      $500,000      $500,000      $500,000     $19,985    $39,970
 $500,000      $500,000      $500,000      $500,000      $500,000      $500,000     $36,999    $61,206
       $0            $0            $0            $0            $0            $0    $119,850   $247,800
 $295,000      $295,000      $295,000      $295,000      $295,000      $295,000
       $0            $0            $0            $0            $0            $0
     $2,882     $2,882     $2,882     $2,882     $2,882         $0
 $1,612,292 $1,612,292 $1,612,292 $1,612,292 $1,612,292 $1,621,393        $176,834   $348,976

 $6,604,455 $6,604,455 $6,604,455 $6,604,455 $6,604,455 $6,600,183          $2,125    $19,250
 $6,122,254 $6,122,254 $6,122,254 $6,122,254 $6,122,254 $5,872,254        $165,000   $451,800
   $250,000   $250,000   $250,000   $250,000   $250,000   $200,000         $25,000    $35,000
                                                                                      $30,000
$12,976,709 $12,976,709 $12,976,709 $12,976,709 $12,976,709 $12,672,437   $192,125   $536,050

$42,919,673 $46,537,404 $49,886,293 $53,842,393 $57,474,128 $62,205,871 $4,793,918 $8,827,071

 $5,348,186 $6,092,348 $6,836,509 $7,607,826 $8,379,142 $9,150,459        $758,958 $1,517,916
$12,976,709 $12,976,709 $12,976,709 $12,976,709 $12,976,709 $12,672,437   $192,125   $536,050
$35,291,150 $39,653,043 $43,746,093 $48,473,510 $52,876,561 $58,683,893 $5,360,751 $9,808,937

     60.1%       67.6%       74.5%       82.6%       90.1%      100.0%
   Mar-01       Apr-01       May-01       Jun-01         Jul-01       Aug-01    Sep-01   Oct-01

 $257,322     $338,132     $481,573   $562,046   $640,588   $729,015
-$314,000    -$311,580    -$356,080 -$594,198 -$638,698 -$683,198
  $37,521      $58,518      $81,780   $103,468   $125,215   $148,213
 $121,139     $154,708     $184,506   $212,787   $247,610   $276,971
 $453,203     $578,392     $619,963   $783,039   $928,085 $1,036,891
 $702,667     $763,446     $819,097 $1,406,576 $1,643,294 $1,877,697

$1,257,852 $1,581,616 $1,830,839 $2,473,718 $2,946,094 $3,385,589                  $0       $0

$1,312,636   $1,764,790   $2,203,257   $2,645,996    $3,096,402    $3,532,730
  $891,555   $1,176,928   $1,452,893   $1,764,294    $2,058,343    $2,352,392
  $162,951     $228,220     $272,939     $324,695      $355,354      $401,163
$2,010,276   $2,602,634   $3,167,738   $3,765,028    $4,362,145    $5,109,204
  $289,250     $381,524     $474,171     $579,559      $672,699      $765,967
$4,666,668   $6,154,096   $7,570,998   $9,079,572   $10,544,943   $12,161,456      $0       $0

  $347,151   $460,004   $550,818   $624,340   $699,852   $772,864
  $501,578   $597,009   $702,614   $811,963   $913,449 $1,055,017
  $464,083   $524,541   $559,244   $870,432 $1,022,351 $1,148,961
$1,312,812 $1,581,554 $1,812,676 $2,306,735 $2,635,652 $2,976,842                  $0       $0

 $172,489     $236,073     $297,874     $366,447   $436,851   $502,230
  $12,885      $12,885      $12,885      $16,285    $18,318    $22,251
 $103,045      $88,735     $155,541     $169,553   $183,565   $197,577
 $489,164     $621,361     $753,558     $885,755 $1,017,302 $1,149,499
 $165,751     $215,367     $205,953     $248,463   $290,962   $332,927
 $100,434     $132,601     $163,211     $194,350   $225,525   $256,525
 $455,173     $604,986     $751,862     $898,897 $1,048,043 $1,195,420
 $247,231     $326,273     $405,726     $479,082   $570,047   $651,173

$1,746,172 $2,238,281 $2,746,610 $3,258,832 $3,790,613 $4,307,602                  $0       $0

   $40,398    $53,466    $65,924    $78,782    $93,448   $105,954
$1,123,906 $1,758,228 $2,129,289 $2,272,686 $2,619,573 $2,956,191
  $208,761   $294,420   $349,574   $415,865   $502,679   $558,006
   $79,846   $100,628   $121,410   $159,692   $295,852   $335,384
  $126,493   $160,038   $194,520   $233,292   $267,884   $302,462
  $953,358 $1,260,127 $1,577,958 $1,886,382 $2,205,593 $2,513,171
  $624,287   $826,404 $1,017,118 $1,179,158 $1,440,410 $1,588,693
   $77,770   $103,050   $128,330   $153,963   $179,451   $204,939

$3,234,819 $4,556,361 $5,584,123 $6,379,820 $7,604,890 $8,564,800                  $0       $0


  $78,055      $98,040     $118,025     $196,947      $216,932      $236,917
  $85,413     $112,620     $137,619     $170,826      $195,033      $232,032
 $294,397     $438,208     $550,019     $618,925      $687,100      $763,275
  $457,865    $648,868    $805,663    $986,698 $1,099,065 $1,232,224        $0   $0

   $361,375   $368,500   $515,625 $4,382,750     $4,384,875    $4,387,000
 $1,089,800 $1,135,800 $2,685,800 $5,954,875     $5,954,875    $5,954,875
   $120,000   $125,000   $150,000    $150,000      $150,000      $150,000
   $115,000   $422,000 $1,890,000 $3,415,000     $4,312,984    $4,412,984
 $1,686,175 $2,051,300 $5,241,425 $13,902,625   $14,802,734   $14,904,859   $0   $0

$14,362,363 $18,812,076 $25,592,334 $38,388,000 $43,423,991 $47,533,372     $0   $0

 $2,215,066 $3,070,836 $3,799,231 $4,527,630 $5,294,136 $6,060,644
 $1,686,175 $2,051,300 $5,241,425 $13,902,625 $14,802,734 $14,904,859       $0   $0
$14,891,254 $19,831,612 $24,150,140 $29,013,005 $33,915,393 $38,689,157     $0   $0
Nov-01       Dec-01




    $0           $0

         $44,982,921




    $0 $44,982,921




    $0           $0




    $0           $0




    $0           $0
$0         $0




$0         $0

$0 $44,982,921

    $8,895,000
$0          $0
$0 $53,877,921
     Measure                                                      Jan-99             Feb-99             Mar-99             Apr-99             May-99             Jun-99              Jul-99           Aug-99              Sep-99             Oct-99            Nov-99               Dec-99             Jan-00             Feb-00             Mar-00            Apr-00            May-00            Jun-00            Jul-00           Aug-00             Sep-00            Oct-00           Nov-00          Dec-00             Jan-01             Feb-01             Mar-01             Apr-01             May-01             Jun-01              Jul-01             Aug-01              Sep-01             Oct-01         Nov-01            Dec-01
     Financial Perspective
None GAAP Income (PGAAP)                                   $            -     $            -     $            -     $            -     $            -     $            -     $            -     $            -     $            -     $            -     $            -     $             -     $            -    $             -        ###########       ###########       ###########       ###########       ###########       ###########       ###########       ###########       ###########    ###########    $             -    $             -        ###########        ###########        ###########  ###########          $             -     $             -     $             -    $             -    $          -     $                -
None Return on Equity (ROE)                                         0.0%               0.0%               7.6%               7.6%               7.6%               8.6%               8.6%               8.6%               6.7%               6.7%               6.7%                7.2%               0.0%               0.0%               8.3%              8.3%              8.3%              9.3%              9.3%              9.3%              8.6%              8.6%              8.6%           8.3%               0.0%               0.0%               6.6%               6.6%               6.6% TBD                              0.0%                0.0%                0.0%               0.0%            0.0%             0.0%
None Risk-Based Capital (RBC)                                            0                  0             250.7                251                251              317.3                317                317              289.9                290                290                 269                   0                  0               285               285               285               287               287               287               273               273               273            255                   0                  0             299.8              299.8              299.8       286.48                         0                   0                   0                  0               0               0
None Expense to Pricing (YTD)                                          $0                 $0                 $0                 $0                 $0                 $0                 $0                 $0                 $0                 $0                 $0         $18,662,407                 $0                 $0                 $0                $0                $0                $0                $0                $0                $0                $0                $0    $10,873,600                 $0                 $0                 $0                 $0                 $0           $0                       $0                  $0                  $0                 $0              $0               $0
None Expense to Budget (YTD)                                           $0                 $0                 $0                 $0                 $0                 $0                 $0                 $0                 $0                 $0                 $0                  $0          -$141,348         $8,514,175        $15,275,350       $17,889,917       $23,086,735       $29,175,036       $33,108,331       $37,164,110       $42,976,077       $46,819,230       $51,477,528    $60,345,818         $4,368,194         $8,316,048        $14,242,052        $17,953,752        $22,172,182  $30,997,731              $33,914,053         $39,346,824                  $0                 $0              $0               $0
YTD   Life Sales (YTD)                                                 $0                 $0                 $0                 $0                 $0                 $0                 $0                 $0                 $0                 $0                 $0                  $0         $3,663,625         $5,980,972         $5,290,942        $3,867,689        $3,439,128        $4,232,907        $2,786,320        $3,934,257        $3,130,129        $2,703,330        $3,723,415     $6,556,627         $3,505,935         $4,861,407         $5,280,511         $5,043,000         $4,916,006   $4,139,617               $4,751,039          $4,668,862          $3,834,501         $4,925,346              $0               $0
YTD   Annuity Sales (YTD)                                              $0                 $0                 $0                 $0                 $0                 $0                 $0                 $0                 $0                 $0                 $0                  $0         $3,824,309         $3,988,303         $4,173,423        $2,881,358        $3,232,475        $2,216,183        $1,565,712        $1,758,935        $1,692,684        $1,223,746        $1,661,154     $1,141,555         $1,014,833         $1,091,312         $1,802,019         $2,657,654         $3,189,961   $1,634,418               $2,253,978          $2,122,076          $1,735,116         $2,389,782              $0               $0
None
     Customer Perspective
None Life Persistency                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          92.04%             93.63%             93.52%             93.05%             93.47%             93.42%             93.31%              93.16%              93.12%
None Annuity Persistency                                             -                  -                  -                  -                  -                  -                  -                  -                  -                  -                  -                   -                  -                  -                  -                 -                 -                 -                 -                 -                 -                 -                 -               -                 -                  -                  -                  -                  -                  -                  -                   -                   -                  -               -                -
None New Product Revenue                                                                                                                                                                                                                                                                                 0.0%               0.0%               0.0%              0.0%              0.0%              0.0%              0.0%              0.0%              0.0%              0.0%              0.0%            0.0%              0.0%               0.0%               0.0%               0.0%               0.0%               0.0%               0.0%                0.0%                0.0%               0.0%
None New Product ROI                                               0.0%               0.0%               0.0%               0.0%               0.0%               0.0%               0.0%               0.0%               0.0%               0.0%               0.0%                 0.0%               0.0%               0.0%               0.0%              0.0%              0.0%              0.0%              0.0%              0.0%              0.0%              0.0%              0.0%            0.0%              0.0%               0.0%               0.0%               0.0%               0.0%               0.0%               0.0%                0.0%                0.0%               0.0%            0.0%             0.0%
None Producers Meeting Standards                               #VALUE!            #VALUE!            #VALUE!            #VALUE!            #VALUE!            #VALUE!            #VALUE!            #VALUE!            #VALUE!            #VALUE!            #VALUE!                     0                  0                  0                  0                 0                 0                 0                 0                 0                 0                 0                 0               0                 0                  0                  0                  0                  0                  0                  0                   0                   0                  0
None Distribution Growth                                            206                206                206                206                206                206                206                206                206                206                206                 394                 383                378                379               382               384               371               370               378               367               424               423             490               320                335                340                345                352                356                363                 373                 369                375             -                -
None
None
     Business Process Perspective
None Unit Costs                                                     $0.00              $0.00              $0.00              $0.00              $0.00              $0.00              $0.00              $0.00              $0.00              $0.00              $0.00              $0.00              -$6.12            $183.73           $219.21           $192.37           $198.53           $208.99           $203.24           $199.61           $205.20           $201.24           $201.22         $216.32            $219.01            $195.70           $181.70            $186.12            $183.61            $208.95             $203.96             $210.45               $0.00              $0.00          $0.00            $0.00
None % Products Completed (YTD)                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      40.0%                                                                        90.0%
None New Product Acceptance                                         0.0%               0.0%               0.0%               0.0%               0.0%               0.0%               0.0%               0.0%               0.0%               0.0%               0.0%                0.0%               0.0%               0.0%               0.0%              0.0%              0.0%              0.0%              0.0%              0.0%              0.0%              0.0%              0.0%            0.0%              0.0%               0.0%              0.0%                0.0%               0.0%               0.0%               0.0%                0.0%                0.0%               0.0%            0.0%             0.0%
None On-Time Completion within Budget & Spec
None
None
None
None
     Learning & Growth Perspective
None Personal Development Plans                                        0%                 0%                 0%                 0%                 0%                 0%                 0%                 0%                 0%                 0%                 0%                  0%                 0%                 0%                 0%                0%                0%                0%                0%                0%                0%                0%                0%              0%               0%                 0%                0%                 0%                 0%                 0%                  0%                  0%                  0%                 0%                 0%               0%
None Succession Plans                                                  0%                 0%                 0%                 0%                 0%                 0%                 0%                 0%                 0%                 0%                 0%                  0%                 0%                 0%                 0%                0%                0%                0%                0%                0%                0%                0%                0%              0%               0%                 0%                0%                 0%                 0%                 0%                  0%                  0%                  0%                 0%                 0%               0%
None Employee Satisfaction                                             0%                 0%                 0%                 0%                 0%                 0%                 0%                 0%                 0%                 0%                 0%                  0%                 0%                 0%                 0%                0%                0%                0%                0%                0%                0%                0%                0%              0%               0%                 0%                0%                 0%                 0%                 0%                  0%                  0%                  0%                 0%                 0%               0%
None Employee Turnover                                                 0%                 0%                 0%                 0%                 0%                 0%                 0%                 0%                 0%                 0%                 0%                  0%                 0%                 0%                 0%                0%                0%                0%                0%                0%                0%                0%                0%            11%                0%                 0%               12%                 0%                 0%                10%                  0%                  0%                  0%                 0%                 0%               0%
None On-Time Deployment of Systems within Budget & Spec              -                  -                  -                  -                  -                  -                  -                  -                  -                  -                  -                   -                  -                  -                  -                 -                 -                 -                 -                 -                 -                 -                 -               -
None Performance-Based Culture                                      0.0%               0.0%               0.0%               0.0%               0.0%               0.0%               0.0%               0.0%               0.0%               0.0%               0.0%                0.0%               0.0%               0.0%               0.0%              0.0%              0.0%              0.0%              0.0%              0.0%              0.0%              0.0%              0.0%            0.0%              0.0%               0.0%               0.0%               0.0%               0.0%               0.0%               0.0%                0.0%                0.0%               0.0%            0.0%             0.0%
None
None


      AMH Share Price                                                                                                                                                                                                                                            $22.00             $22.00              $20.50             $20.00             $19.10            $19.94            $20.44            $21.44            $22.88            $24.50            $25.75            $26.38            $29.19          $32.38
      GAAP Income                                                                                                                                                                                                                                                                                                                         $7,822,000        $7,822,000        $7,822,000       $10,395,000       $10,395,000       $10,395,000       $12,505,000       $12,505,000       $12,505,000     $32,100,000                                              $6,700,000         $6,700,000         $6,700,000     -$8,820,492
      Return on Equity (ROE)                                                                              7.6%               7.6%               7.6%               8.6%               8.6%               8.6%               6.7%               6.7%               6.7%              7.2%                                                       8.3%              8.3%              8.3%              9.3%              9.3%              9.3%              8.6%              8.6%              8.6%            8.3%                                                    6.6%               6.6%               6.6%    TBD
      Risk-Based Capital (RBC)                                                                              251                251                251                317                317                317                290                290                290               269                                                        285               285               285               287               287               287               273               273               273             255                                                     300                300                300             286
      Expense to Pricing                                                                                                                                                                                                                                                      $18,662,407                                                                                                                                                                                                                $10,873,600
      Persistency                                                 92.69%             92.28%             92.11%             91.65%             91.84%             91.85%                                91.52%             91.48%             91.27%             91.13%            91.27%               93.20%             91.49%             92.23%            91.90%            91.63%            92.03%            92.13%            91.93%            92.28%            92.32%            92.20%          92.40%
       New Product Revenue Amount                          $         -        $         -        $         -        $         -        $         -        $         -        $         -        $         -        $         -        $         -        $         -        $        -          $         -       $          -       $          -      $          -      $          -      $          -      $          -      $          -      $          -      $          -      $          -      $        -      $          -       $          -       $          -       $          -       $          -       $          -       $          -        $          -        $          -       $          -       $       -        $       -
      Total Product Revenue (Life & Annuity)                           $0                 $0                 $0                 $0                 $0                 $0                   $0               $0                 $0                 $0                 $0                $0           $7,487,934         $9,969,275         $9,464,365        $6,749,047        $6,671,603        $6,449,090        $4,352,032        $5,693,192        $4,822,813        $3,927,076        $5,384,569      $7,698,182        $4,520,768         $5,952,719         $7,082,530         $7,700,654         $8,105,967         $5,774,035         $7,005,017          $6,790,938          $5,569,617         $7,315,128                $0               $0
      New Product Revenue %                                                                                                                                                                                                                                                                              0.0%               0.0%               0.0%              0.0%              0.0%              0.0%              0.0%              0.0%              0.0%              0.0%              0.0%            0.0%              0.0%               0.0%               0.0%               0.0%               0.0%               0.0%               0.0%                0.0%                0.0%               0.0%
      New Product Return on Investment

      Total ILICo GA's                                                                                                                                                                                                                                                                 217                219                211                211               212               213               217               213               213               202               217               217            294                203                203                204                207                212                213                217                 227                 229                228
      ILICo GA's Meeting Minimums ($50,000)                                                                                                                                                                                                                                             60                 65                 72                 63                65                63                63                61                58                62                62                56             56                 45                 45                 41                 41                 46                 48                 51                  56                  55                 51
      % of ILICo GA's Meeting Minimums                                                                                                                                                                                                                                               27.6%              29.7%              34.1%              29.9%             30.7%             29.6%             29.0%             28.6%             27.2%             30.7%             28.6%             25.8%          19.0%              22.2%              22.2%              20.1%              19.8%              21.7%              22.5%              23.5%               24.7%               24.0%              22.4%
      Total ILICo GA Premium Production ($)                     $200,000           $200,001           $200,002           $200,003           $200,004           $200,005           $200,006           $200,007           $200,008           $200,009           $200,010          $13,217,553         $2,470,596         $4,499,281         $5,452,980        $6,924,725        $7,688,011        $8,580,297        $9,331,180        $9,331,180       $11,867,005       $13,275,763       $14,599,848    $16,269,085         $1,074,803         $2,149,605         $2,982,946         $4,310,742         $5,417,158         $6,884,005         $8,956,619         $10,663,525         $12,048,753        $12,230,520

      Total ILICo Agents's                                        1,881              1,881              1,881              1,881              1,881              1,881              1,881              1,881              1,881              1,881              1,881                1,796              1,767              1,752              1,754             1,769             1,778             1,772             1,798             1,794             1,799             1,878             1,881          1,856             1,872               1,887              1,908              1,906              1,923              1,863              1,884               1,899               1,926              1,957
      ILICo Agents's Meeting Minimums ($10,000)                     150                150                150                150                150                150                150                150                150                150                150                  144                 14                 29                 46                57                74                83                90                94               101               111               121            128                79                  80                 82                 94                107                110                113                  84                 128                141
      % of ILICo Agents's Meeting Minimums                         8.0%               8.0%               8.0%               8.0%               8.0%               8.0%               8.0%               8.0%               8.0%               8.0%               8.0%                 8.0%               0.8%               1.7%               2.6%              3.2%              4.2%              4.7%              5.0%              5.2%              5.6%              5.9%              6.4%           6.9%              4.2%                4.2%               4.3%               4.9%               5.6%               5.9%               6.0%                4.4%                6.6%               7.2%
      Total ILICo Agents Premium Production ($)                  $10,000            $10,001            $10,002            $10,003            $10,004            $10,005            $10,006            $10,007            $10,008            $10,009            $10,010           $8,545,210         $1,154,647         $2,199,922         $2,918,512        $3,364,837        $3,786,303        $4,323,418        $4,613,284        $4,968,556        $5,323,209        $5,819,839        $6,843,339     $7,460,700          $498,229          $1,163,123         $1,636,504         $2,905,211         $3,496,260         $4,122,824         $5,539,504          $6,172,990          $7,007,979         $7,754,685

      Total BLNY GA's                                               178                178                178                178                178                178                178                178                178                178                178                  145               135                138                 139               141               142               125               128               136               136               178               178            168                93                 107                109                111                112                115                117                 117                 111                116
      BLNY GA's Meeting Minimums ($75,000)                           25                 25                 25                 25                 25                 25                 25                 25                 25                 25                 25                   32                23                 20                  27                33                36                39                40                38                33                17                10             15                43                  24                 23                 21                 24                 27                 33                  33                  34                 34
      % of BLNY GA's Meeting Minimums                             14.0%              14.0%              14.0%              14.0%              14.0%              14.0%              14.0%              14.0%              14.0%              14.0%              14.0%                22.1%             17.0%              14.5%               19.4%             23.4%             25.4%             31.2%             31.3%             27.9%             24.3%              9.6%              5.6%           8.9%             46.2%               22.4%              21.1%              18.9%              21.4%              23.5%              28.2%               28.2%               30.6%              29.3%
      Total BLNY GA Premium Production ($)                       $75,000            $75,001            $75,002            $75,003            $75,004            $75,005            $75,006            $75,007            $75,008            $75,009            $75,010           $9,711,180          $446,500           $976,810          $2,207,358        $3,080,598        $3,806,359        $4,764,127        $5,507,993        $6,419,991        $7,168,031        $5,686,701        $4,895,708     $6,398,991          $567,868          $1,497,864         $2,290,410         $3,168,330         $3,990,335         $4,689,517         $5,829,539          $7,255,454          $8,630,059         $9,580,154

      Total IMO's                                                    14                 14                 14                 14                 14                 14                 14                 14                 14                 14                 14                   18                15                  15                 15                15                15                15                15                15                15                15                14             14                 16                 16                 16                 16                 16                 16                 16                  16                  16                 18
      IMO's Meeting Minimums ($200,000)                              10                 10                 10                 10                 10                 10                 10                 10                 10                 10                 10                    8                 9                   9                  7                 7                 8                 8                 8                 8                 8                 8                 9              8                  6                  7                  5                  5                  8                  8                  9                   8                   8                 10
      % of IMO's Meeting Minimums                                 71.4%              71.4%              71.4%              71.4%              71.4%              71.4%              71.4%              71.4%              71.4%              71.4%              71.4%                44.4%             60.0%               60.0%              46.7%             46.7%             53.3%             53.3%             53.3%             53.3%             53.3%             53.3%             64.3%          57.1%              37.5%              43.8%              31.3%              31.3%              50.0%              50.0%              56.3%               50.0%               50.0%              55.6%
      Total IMO Premium Production ($)                          $200,000           $200,001           $200,002           $200,003           $200,004           $200,005           $200,006           $200,007           $200,008           $200,009           $200,010          $10,027,238          $261,554          $2,619,987         $5,186,096        $6,159,187        $6,664,819        $8,313,428        $9,054,373        $9,591,386        $9,919,133       $11,273,983       $12,028,752    $14,772,308         $1,633,704         $3,680,605         $6,745,621         $9,031,620        $11,004,071        $12,463,995        $13,078,652         $14,333,405         $15,230,095        $16,571,430

      Total Strategic Alliances                                          14                 14                 14                 14                 14                 14                 14                 14                 14                 14                 14                  14              14                 14                 14                14                14                14                14                14                14                14                14             14                  8                  9                11                 11                 12                 12                  13                  13                  13                 13
      Strategic Alliances's Meeting Minimums ($250,000)                                                                                                                                                                                                                                                     6                  6                  6                 6                 6                 6                 6                 6                 6                 6                 6              6                  1                -                 -                  -                  -                  -
      % of Strategic Alliances's Meeting Minimums                   0.0%               0.0%               0.0%               0.0%               0.0%               0.0%               0.0%               0.0%               0.0%               0.0%               0.0%                0.0%              42.9%              42.9%              42.9%             42.9%             42.9%             42.9%             42.9%             42.9%             42.9%             42.9%             42.9%          42.9%              12.5%               0.0%              0.0%               0.0%               0.0%               0.0%               0.0%                0.0%                0.0%               0.0%
      Total Strategic Alliance Premium Production ($)                                                                                                                                                                                                                                                                                                                                                                                                                                                    $4,675,804            $43,560            $62,201          $118,122           $162,918           $205,807           $225,914           $238,123            $251,382            $267,028           $389,761

      Total Production from These Groups                         $485,000           $485,004           $485,008           $485,012           $485,016           $485,020           $485,024           $485,028           $485,032           $485,036           $485,040         $41,501,181         $4,333,297        $10,296,000        $15,764,946       $19,529,347       $21,945,492       $25,981,270       $28,506,830       $30,311,113       $34,277,378       $36,056,286       $38,367,647    $49,576,888         $3,818,164         $8,553,398        $13,773,603        $19,578,821        $24,113,631        $28,386,255        $33,642,437         $38,676,756         $43,183,914        $46,526,550                $0               $0
      Producers Meeting Standards                              #VALUE!            #VALUE!            #VALUE!            #VALUE!            #VALUE!            #VALUE!            #VALUE!            #VALUE!            #VALUE!            #VALUE!            #VALUE!                 26.4%              22.5%              31.9%              28.9%             29.8%             31.7%             33.2%             33.2%             32.0%             32.0%             29.7%             31.8%          29.5%              29.9%              28.9%              23.7%              22.6%              32.0%              32.2%              34.0%               31.3%               31.5%              32.9%

       Distribution Growth                                          206                206                206                206                206                206                206                206                206                206                206                 394                 383                378               379               382               384               371               370               378               367               424               423             490                320                335               340                345                352                356                 363                 373                 369                375             -                -

      Number of Products Introduced                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      10                                                                          10
      Number of Products That Met Their Target Date                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       4                                                                           9
      % of Products Completed YTD                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                     40.0%                                                                       90.0%

      New Product Acceptance (% Meeting Revenue Goal)

          Integration (Score 1-5)
          eBusiness (Score 1-5)
          Customer Care (Score 1-5)
          Variable (Score 1-5)
          Lawsuit (Score 1-5)
          Demutualization (Score 1-5)
       On-Time Completion within Budget & Spec

          Agency Extranet (Score 1-5)
          LifePro 1.9 (Score 1-5)
          Imaging/Workflow (Score 1-5)
          Variable (Score 1-5)
          Online Illustrations (Score 1-5)
      On-Time Deployment of Systems within Budget & Spec

      Employee Satisfaction
      Employee Turnover                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      10.9%                                                    12.0%                                                     9.8%
      Personal Development Plans
      Succession Plans
      Performance-Based Culture

      Policies Issued - Life - Term Life                            1,732              1,929              2,489              2,326              2,165              2,300                                 1,965              1,599              1,590              1,750              2,328               2,402              2,564             2,435             1,747             1,476             1,350             1,261             1,100               843               764               684             717                539                565               852              1,002              1,393              1,601               1,620               1,936               1,651              2,201
      Policies Issued - Life - Universal Life                         347                325                443                531                462                467                                   388                336                345                333                380                 248                242               313               308               289               311               290               282               247               296               263             372                286                313               352                288                347                336                 330                 378                 327                365
      Policies Issued - Life - Variable UL                              0                  0                  0                  0                  0                  0                                     0                  0                  0                  0                  0                   0                  0                 0                 0                 0                 0                 0                 0                 0                 0                 0               0                  0                  0                 0                  0                  0                  0                   0                   0                   0                  0
      Policies Issued - Life - Whole Life                             195                228                210                246                198                211                                   204                205                225                159                202                 109                194               226               180               230               183               160               213               194               176               151             245                129                163               154                160                184                112                 111                 117                  87                132
      Policies Issued - Life                                        2,274              2,482              3,142              3,103              2,825              2,978                    0            2,557              2,140              2,160              2,242              2,910               2,759              3,000             2,974             2,235             1,995             1,844             1,711             1,595             1,284             1,236             1,098           1,334                954              1,041             1,358              1,450              1,924              2,049               2,061               2,431               2,065              2,698                 0                0

      Policies Issued - Annuity - Fixed Annuity                     2,124              2,581              3,152              3,057              2,285              2,132                                 1,320              1,156               589                561                 157                 477                531               408               362               326               248               160               211               142               118               122             111                106                138               243                324                384                232                 214                 206                 248                304
      Policies Issued - Annuity - Variable Annuity                    185                206                194                147                195                247                                   213                 67               196                162                 151                 121                 31               174               111               317               105               146                93                90                84                84             117                 66                 81                56                 91                 79                 20                  53                  96                  65                 73
      Policies Issued - Annuity                                     2,309              2,787              3,346              3,204              2,480              2,379                    0            1,533              1,223               785                723                 308                 598                562               582               473               643               353               306               304               232               202               206             228                172                219               299                415                463                252                 267                 302                 313                377                 0                0

      Policies Issued                                               4,583              5,269              6,488              6,307              5,305              5,357                    0            4,090              3,363              2,945              2,965              3,218               3,357              3,562             3,556             2,708             2,638             2,197             2,017             1,899             1,516             1,438             1,304           1,562              1,126              1,260             1,657              1,865              2,387              2,301               2,328               2,733               2,378              3,075                 0                0

      Policies under Administration - USA                                                                                    6261               6529               6760               7026               7260               7356               7558               7754                7921                7875               8123              8288              8288              8690              8835              7923              7972              8012              8067              8114            8179               8357               8274              8324               8413               8427               8518                8500                8454                8487               8519
      Policies under Administration - Legacy                                                                                49870              52100              54161              55674              56959              58080              58625              59160               59285               59245              59279             59683             60027             60336             61509             60705             55648             54940             54195             53575           53058              52406              51807             51084              50400              49655              48992               48222               47569               47035              46078
      Policies under Administration - Bankers Life                                                                         83,332             89,824             90,411             90,736             90,897             90,967             90,925             90,854              90,805              90,581             90,390            90,313            90,442            90,387            90,683            90,738            90,959            91,008            91,184            91,226          91,333             90,974             91,043            91,146             91,444             91,313             91,524              91,737              92,428              92,881             93,289
      Policies under Administration - ILICo                                                                               182,025            182,590            183,031            183,491            183,914            184,190            184,662            185,017             186,376             186,376            188,738           189,818           189,315           189,082           189,066           188,921           188,392           188,016           187,416           186,801         186,357            185,670            185,205           184,881            184,588            185,021            185,373             185,509             185,705             185,840            186,205
      Policies under Administration                                       0                  0                  0         321,488            331,043            334,363            336,927            339,030            340,593            341,770            342,785             344,387             344,077            346,530           348,102           348,072           348,495           350,093           348,287           342,971           341,976           340,862           339,716         338,927            337,407            336,329           335,435            334,845            334,416            334,407             333,968             334,156             334,243            334,091                 0                0   0   0   0   0   0   0   0   0   0   0   0   0

      Policies Under Administration (ILICO & BNLY)                        0                  0                  0         265,357            272,414            273,442            274,227            274,811            275,157            275,587            275,871             277,181             276,957            279,128           280,131           279,757           279,469           279,749           279,659           279,351           279,024           278,600           278,027         277,690            276,644            276,248           276,027            276,032            276,334            276,897             277,246             278,133             278,721            279,494                 0                0

      Life - ILICo - Total Terminations                                                                                                                                                                                                                                                                                                                                                                                                                                                                                  206,454,816        309,679,623        459,091,967        673,330,271        777,342,582        929,671,931      1,081,400,642       1,280,961,296       1,464,594,544
      Life - ILICo - Death & Maturities                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    3,838,496          7,111,588         14,237,403         20,146,968         25,599,079         28,114,052         34,383,236          38,393,389          42,773,646
      Life - ILICo - Term Conversion                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       8,838,208         12,227,128         15,824,672         21,491,561         26,897,377         29,729,325         32,464,007          38,849,978          58,815,978
      Life - ILICo - Best Lapse Denominator                                                                                                                                                                                                                                                                                                                                                                                                                                                                            2,158,978,713      4,317,957,426      6,476,936,140      8,635,914,853     10,794,893,566     12,953,872,279     15,112,850,992      17,271,829,706      19,430,808,419
      Life - ILICo - Best Lapse Ratio                              0.00%              0.00%              0.00%              0.00%              0.00%              0.00%              0.00%              0.00%              0.00%              0.00%              0.00%               0.00%              0.00%              0.00%              0.00%             0.00%             0.00%             0.00%             0.00%             0.00%             0.00%             0.00%             0.00%          0.00%            8.98%              6.72%              6.62%              7.31%              6.71%              6.73%              6.71%               6.97%               7.01%                0.00%           0.00%            0.00%

      Life - WS - Total Terminations                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         1,242,667         11,407,793         26,423,717         35,556,305         42,526,616         52,051,315       63,232,293          79,247,224          95,083,249
      Life - WS - Death & Maturities                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 0                  0            230,000            230,000            471,250          1,021,250        1,052,500           1,112,500           1,413,460
      Life - WS - Term Conversion                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                    0                  0                  0                  0                  0                  0                0                   0           7,336,503
      Life - WS - Best Lapse Denominator                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   151,122,549        302,245,099        453,367,648        604,490,197        755,612,747        906,735,296    1,057,857,845       1,208,980,395       1,360,102,944
      Life - WS - Best Lapse Ratio                                 0.00%              0.00%              0.00%              0.00%              0.00%              0.00%              0.00%              0.00%              0.00%              0.00%              0.00%               0.00%              0.00%              0.00%              0.00%             0.00%             0.00%             0.00%             0.00%             0.00%             0.00%             0.00%             0.00%          0.00%              0.82%              3.77%              5.78%              5.84%              5.57%              5.63%            5.88%               6.46%               6.35%                0.00%           0.00%            0.00%

      Life - ILA - Total Terminations                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        2,293,326          2,293,329          2,109,493            934,303          1,677,584          1,112,089          1,112,089          -6,871,532           3,073,471
      Life - ILA - Death & Maturities                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                0                  0                  0                  0             41,550             41,550             41,550               41,550             41,550
      Life - ILA - Term Conversion                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   0                  0                  0                  0                  0                  0                  0                    0                  0
      Life - ILA - Best Lapse Denominator                                                                                                                                                                                                                                                                                                                                                                                                                                                                                   17,738,079         35,476,158         53,214,236         70,952,315         88,690,394        106,428,473        124,166,551         141,904,630         159,642,709
      Life - ILA - Best Lapse Ratio                                0.00%              0.00%              0.00%              0.00%              0.00%              0.00%              0.00%              0.00%              0.00%              0.00%              0.00%               0.00%              0.00%              0.00%              0.00%             0.00%             0.00%             0.00%             0.00%             0.00%             0.00%             0.00%             0.00%          0.00%             12.93%              6.46%              3.96%              1.32%              1.84%              1.01%              0.86%               -4.87%              1.90%              0.00%           0.00%            0.00%

      Life - BNLY - Total Terminations                                                                                                                                                                                                                                                                                                                                                                                                                                                                                      67,190,912      124,663,838        186,601,967        246,755,316        304,924,204        364,283,642        449,731,731         501,996,648         559,621,870
      Life - BNLY - Death & Maturities                                                                                                                                                                                                                                                                                                                                                                                                                                                                                       2,994,351        4,224,817          5,778,363          7,871,121         10,414,616         10,930,716         14,662,801          15,759,570          23,592,808
      Life - BNLY - Term Conversion                                                                                                                                                                                                                                                                                                                                                                                                                                                                                          8,446,728       19,675,871         21,414,187         24,572,059         27,436,072         25,469,498         26,244,227          26,158,993          24,658,984
      Life - BNLY - Best Lapse Denominator                                                                                                                                                                                                                                                                                                                                                                                                                                                                                 851,346,977    1,702,693,954      2,533,064,819      3,377,419,758      4,221,774,698      5,066,129,637      5,910,484,577       6,754,839,516       7,599,194,456
      Life - BNLY - Best Lapse Ratio                               0.00%              0.00%              0.00%              0.00%              0.00%              0.00%              0.00%              0.00%              0.00%              0.00%              0.00%               0.00%              0.00%              0.00%              0.00%             0.00%             0.00%             0.00%             0.00%             0.00%             0.00%             0.00%             0.00%          0.00%              6.55%            5.92%              6.29%              6.35%              6.33%              6.47%              6.92%               6.81%               6.73%                0.00%           0.00%            0.00%

      Life - Consolidated - Total Terminations                         0                  0                  0                  0                  0                  0                  0                  0                  0                  0                  0                   0                  0                  0                  0                 0                 0                 0                 0                 0                 0                 0                 0              0       277,181,721        448,044,584        674,227,144        956,576,195      1,126,470,985      1,347,118,977      1,595,476,755       1,855,333,636       2,122,373,134                   0               0                0
      Life - Consolidated - Death & Maturities                         0                  0                  0                  0                  0                  0                  0                  0                  0                  0                  0                   0                  0                  0                  0                 0                 0                 0                 0                 0                 0                 0                 0              0         6,832,847         11,336,405         20,245,766         28,248,089         36,526,495         40,107,568         50,140,087          55,307,009          67,821,464                   0               0                0
      Life - Consolidated - Term Conversion                            0                  0                  0                  0                  0                  0                  0                  0                  0                  0                  0                   0                  0                  0                  0                 0                 0                 0                 0                 0                 0                 0                 0              0        17,284,936         31,902,999         37,238,859         46,063,620         54,333,449         55,198,823         58,708,234          65,008,971          90,811,465                   0               0                0
      Life - Consolidated - Best Lapse Denominator                     0                  0                  0                  0                  0                  0                  0                  0                  0                  0                  0                   0                  0                  0                  0                 0                 0                 0                 0                 0                 0                 0                 0              0     3,179,186,318      6,358,372,636      9,516,582,842     12,688,777,123     15,860,971,404     19,033,165,685     22,205,359,965      25,377,554,246      28,549,748,527                   0               0                0
      Life - Consolidated - Best Lapse Ratio                       0.00%              0.00%              0.00%              0.00%              0.00%              0.00%              0.00%              0.00%              0.00%              0.00%              0.00%               0.00%              0.00%              0.00%              0.00%             0.00%             0.00%             0.00%             0.00%             0.00%             0.00%             0.00%             0.00%          0.00%            7.96%              6.37%              6.48%              6.95%              6.53%              6.58%              6.69%               6.84%               6.88%                0.00%           0.00%            0.00%

      Life - Consolidated - Persistency                                                                                                                                                                                                                                                                                                                                                                                                                                                                                         92.0%              93.6%              93.5%              93.0%              93.5%              93.4%              93.3%               93.2%               93.1%
      Annuity Persistency

      Expense to Budget                                                  $0                 $0                 $0                 $0                 $0                 $0                 $0                 $0                 $0                 $0                 $0                  $0       -$141,348          $8,514,175        $15,275,350       $17,889,917       $23,086,735       $29,175,036       $33,108,331       $37,164,110       $42,976,077       $46,819,230       $51,477,528    $60,345,818         $4,368,194         $8,316,048        $14,242,052        $17,953,752        $22,172,182        $30,997,731        $33,914,053         $39,346,824                  $0                 $0              $0               $0
      Average Policies                                                                                                                                                                                                                                                                                                                                                                                                                                                                                                        276,644            276,446            276,306            276,238            276,257            276,364            276,490             276,695             276,920            277,178         251,980          230,981
      Cost per Policy                                               $0.00              $0.00              $0.00              $0.00              $0.00              $0.00              $0.00              $0.00              $0.00              $0.00              $0.00              $0.00              -$6.12            $183.73           $219.21           $192.37           $198.53           $208.99           $203.24           $199.61           $205.20           $201.24           $201.22         $216.32            $219.01            $195.70            $181.70            $186.12            $183.61            $208.95            $203.96             $210.45               $0.00              $0.00           $0.00            $0.00
      Percent of Expenditures to Used to Annualize                                                                                                                                                                                                                                                                                                                                                                                                                                                                               7.2%              15.4%              28.4%              34.9%              43.7%              53.7%              60.1%               67.6%               74.5%              82.6%           90.1%           100.0%
Measure                                                      Jan-99     Feb-99
Financial Perspective
GAAP Income (PGAAP)                                      $        - $        -
Return on Equity (ROE)                                        6.9%       6.9%
Risk-Based Capital (RBC)                                      300.0      300.0
Expense to Pricing (YTD)                                         $0         $0
Expense to Budget (YTD)                                          $0         $0
Life Sales (YTD)                                                 $0         $0
Annuity Sales (YTD)                                              $0         $0
                                                     0
Customer Perspective
Life Persistency                                              91.0%      91.0%
Annuity Persistency                                            0.0%       0.0%
New Product Revenue
New Product ROI                                              100.0%     100.0%
Producers Meeting Standards                                   44.1%      44.1%
Distribution Growth                                             423        423


Business Process Perspective
Unit Costs                                                    $0.00      $0.00
% Products Completed (YTD)
New Product Acceptance                                       100.0%     100.0%
On-Time Completion within Budget & Spec




Learning & Growth Perspective
Personal Development Plans                                       0%         0%
Succession Plans                                                 0%         0%
Employee Satisfaction                                            0%         0%
Employee Turnover                                                0%         0%
On-Time Deployment of Systems within Budget & Spec              -          -
Performance-Based Culture                                      0.0%       0.0%




AMH Share Price                                              $22.22     $22.22
GAAP Income
Return on Equity (ROE)                                         6.9%       6.9%
Risk-Based Capital (RBC)                                        300        300
Expense to Pricing
Persistency                                                  91.00%     91.00%
New Product Revenue Amount                                        $0         $0
Total Product Revenue (Life & Annuity)                            $0         $0
New Product Revenue %
New Product Return on Investment                             100.0%     100.0%

Total ILICo GA's                                               217        217
ILICo GA's Meeting Minimums ($50,000)                           65         65
% of ILICo GA's Meeting Minimums                       30.0%      30.0%
Total ILICo GA Premium Production ($)                $200,000   $200,001

Total ILICo Agents's                                   1,881      1,881
ILICo Agents's Meeting Minimums ($10,000)                150        150
% of ILICo Agents's Meeting Minimums                    8.0%       8.0%
Total ILICo Agents Premium Production ($)             $10,000    $10,001

Total BLNY GA's                                          178        178
BLNY GA's Meeting Minimums ($75,000)                      25         25
% of BLNY GA's Meeting Minimums                        14.0%      14.0%
Total BLNY GA Premium Production ($)                  $75,000    $75,001

Total IMO's                                               14         14
IMO's Meeting Minimums ($200,000)                         10         10
% of IMO's Meeting Minimums                            71.4%      71.4%
Total IMO Premium Production ($)                     $200,000   $200,001

Total Strategic Alliances                                 14         14
Strategic Alliances's Meeting Minimums ($250,000)
% of Strategic Alliances's Meeting Minimums             0.0%       0.0%
Total Strategic Alliance Premium Production ($)

Total Production from These Groups                   $485,000   $485,004
Producers Meeting Standards                            44.1%      44.1%

Distribution Growth                                      423        423

Number of Products Introduced
Number of Products That Met Their Target Date
% of Products Completed (YTD)

New Product Acceptance (% Meeting Revenue Goal)       100.0%     100.0%

    Integration (Score 1-5)
    eBusiness (Score 1-5)
    Customer Care (Score 1-5)
    Variable (Score 1-5)
    Lawsuit (Score 1-5)
    Demutualization (Score 1-5)
On-Time Completion within Budget & Spec

    Agency Extranet (Score 1-5)
    LifePro 1.9 (Score 1-5)
    Imaging/Workflow (Score 1-5)
    Variable (Score 1-5)
    Online Illustrations (Score 1-5)
On-Time Deployment of Systems within Budget & Spec

Employee Satisfaction
Employee Turnover
Personal Development Plans
Succession Plans
Performance-Based Culture

Policies Issued - Life - Term Life
Policies Issued - Life - Universal Life
Policies Issued - Life - Variable UL
Policies Issued - Life - Whole Life
Policies Issued - Life                                   0             0

Policies Issued - Annuity - Fixed Annuity
Policies Issued - Annuity - Variable Annuity
Policies Issued - Annuity                                0             0

Policies Issued                                          0             0

Policies under Administration - USA
Policies under Administration - Legacy
Policies under Administration - Bankers Life      82,314        83,240
Policies under Administration - ILICo            179,626       180,569
Policies under Administration                    261,940       263,809

Policies Under Administration (ILICO & BNLY)     261,940       263,809

Life - ILICo - Total Terminations                        9             9
Life - ILICo - Death & Maturities
Life - ILICo - Term Conversion
Life - ILICo - Best Lapse Denominator                 100           100
Life - ILICo - Best Lapse Ratio                    9.00%         9.00%

Life - WS - Total Terminations
Life - WS - Death & Maturities
Life - WS - Term Conversion
Life - WS - Best Lapse Denominator
Life - WS - Best Lapse Ratio                   #DIV/0!       #DIV/0!

Life - ILA - Total Terminations
Life - ILA - Death & Maturities
Life - ILA - Term Conversion
Life - ILA - Best Lapse Denominator
Life - ILA - Best Lapse Ratio                  #DIV/0!       #DIV/0!

Life - BNLY - Total Terminations
Life - BNLY - Death & Maturities
Life - BNLY - Term Conversion
Life - BNLY - Best Lapse Denominator
Life - BNLY - Best Lapse Ratio                 #DIV/0!       #DIV/0!

Life - Consolidated - Total Terminations                 9             9
Life - Consolidated - Death & Maturities                 0             0
Life - Consolidated - Term Conversion                    0             0
Life - Consolidated - Best Lapse Denominator      100      100
Life - Consolidated - Best Lapse Ratio         9.00%    9.00%

Life - Consolidated - Persistency              91.0%    91.0%
Annuity Persistency

Expense to Budget                                 $0       $0
Average Policies
Cost per Policy                                $0.00    $0.00
Percent of Expenditures to Used to Annualize
    Mar-99     Apr-99     May-99     Jun-99      Jul-99    Aug-99     Sep-99

$        - $        - $        - $        - $        - $        - $        -
     6.9%       6.9%       6.9%       6.9%       6.9%       6.9%       6.9%
     300.0      300.0      300.0      300.0      300.0      300.0      300.0
        $0         $0         $0         $0         $0         $0         $0
        $0         $0         $0         $0         $0         $0         $0
        $0         $0         $0         $0         $0         $0         $0
        $0         $0         $0         $0         $0         $0         $0


     91.0%      91.0%      91.0%      91.0%      91.0%      91.0%      91.0%
      0.0%       0.0%       0.0%       0.0%       0.0%       0.0%       0.0%

    100.0%     100.0%     100.0%     100.0%     100.0%     100.0%     100.0%
     44.1%      44.1%      44.1%      44.1%      44.1%      44.1%      44.1%
      423         423        423        423        423        423        423



     $0.00      $0.00      $0.00      $0.00      $0.00      $0.00      $0.00

    100.0%     100.0%     100.0%     100.0%     100.0%     100.0%     100.0%




        0%         0%         0%         0%         0%         0%         0%
        0%         0%         0%         0%         0%         0%         0%
        0%         0%         0%         0%         0%         0%         0%
        0%         0%         0%         0%         0%         0%         0%
       -          -          -          -          -          -          -
      0.0%       0.0%       0.0%       0.0%       0.0%       0.0%       0.0%




    $22.22     $22.22     $22.22     $22.22     $22.22     $22.22     $22.22

      6.9%       6.9%       6.9%       6.9%       6.9%       6.9%       6.9%
       300        300        300        300        300        300        300

    91.00%     91.00%     91.00%     91.00%     91.00%     91.00%     91.00%
         $0         $0         $0         $0         $0         $0         $0
         $0         $0         $0         $0         $0         $0         $0

    100.0%     100.0%     100.0%     100.0%     100.0%     100.0%     100.0%

      217        217        217        217        217        217        217
       65         65         65         65         65         65         65
  30.0%      30.0%      30.0%      30.0%      30.0%      30.0%      30.0%
$200,002   $200,003   $200,004   $200,005   $200,006   $200,007   $200,008

  1,881      1,881      1,881      1,881      1,881      1,881      1,881
    150        150        150        150        150        150        150
   8.0%       8.0%       8.0%       8.0%       8.0%       8.0%       8.0%
 $10,002    $10,003    $10,004    $10,005    $10,006    $10,007    $10,008

    178        178        178        178        178        178        178
     25         25         25         25         25         25         25
  14.0%      14.0%      14.0%      14.0%      14.0%      14.0%      14.0%
 $75,002    $75,003    $75,004    $75,005    $75,006    $75,007    $75,008

     14         14         14         14         14         14         14
     10         10         10         10         10         10         10
  71.4%      71.4%      71.4%      71.4%      71.4%      71.4%      71.4%
$200,002   $200,003   $200,004   $200,005   $200,006   $200,007   $200,008

     14         14         14         14         14         14         14

   0.0%       0.0%       0.0%       0.0%       0.0%       0.0%       0.0%


$485,008   $485,012   $485,016   $485,020   $485,024   $485,028   $485,032
  44.1%      44.1%      44.1%      44.1%      44.1%      44.1%      44.1%

    423        423        423        423        423        423        423




 100.0%     100.0%     100.0%     100.0%     100.0%     100.0%     100.0%
          0             0             0             0             0             0             0




          0             0             0             0             0             0             0

          0             0             0             0             0             0             0

                   6261          6529          6760          7026          7260          7356
                  49870         52100         54161         55674         56959         58080
   84,166        85,092        86,018        86,944        87,870        88,796        89,722
  181,512       182,455       183,398       184,341       185,285       186,228       187,171
  265,678       323,678       328,045       332,206       335,855       339,243       342,329

  265,678       267,547       269,416       271,285       273,155       275,024       276,893

          9             9             9             9             9             9             9


       100           100           100           100           100           100           100
    9.00%         9.00%         9.00%         9.00%         9.00%         9.00%         9.00%




#DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!




#DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!




#DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!

          9             9             9             9             9             9             9
          0             0             0             0             0             0             0
          0             0             0             0             0             0             0
   100      100      100      100      100      100      100
9.00%    9.00%    9.00%    9.00%    9.00%    9.00%    9.00%

91.0%    91.0%    91.0%    91.0%    91.0%    91.0%    91.0%


   $0       $0       $0       $0       $0       $0       $0

$0.00    $0.00    $0.00    $0.00    $0.00    $0.00    $0.00
    Oct-99     Nov-99     Dec-99       Jan-00       Feb-00       Mar-00       Apr-00

$        - $        - $        - $          - $          - ########### $           -
     6.9%       6.9%       6.9%         7.7%         7.7%         7.7%         7.7%
     300.0      300.0      300.0        269.0        269.0        269.0        269.0
        $0         $0         $0           $0           $0           $0           $0
        $0         $0         $0   $4,230,903   $9,020,765  $16,647,285  $20,492,785
        $0         $0         $0   $2,609,500   $2,550,000   $4,046,000   $3,553,000
        $0         $0         $0   $5,190,000   $5,190,000   $5,190,000   $4,328,460


     91.0%      91.0%      91.0%        91.0%        91.0%        91.0%        91.0%
      0.0%       0.0%       0.0%         0.0%         0.0%         0.0%         0.0%
                                         0.0%         0.0%         0.0%         0.0%
    100.0%     100.0%     100.0%       100.0%       100.0%       100.0%       100.0%
     44.1%      44.1%      44.1%        44.1%        44.1%        44.1%        44.1%
      423         423        423          423          423          423          423



     $0.00      $0.00      $0.00      $183.17      $195.10      $239.82      $221.22

    100.0%     100.0%     100.0%       100.0%       100.0%       100.0%       100.0%




        0%         0%         0%           0%           0%           0%           0%
        0%         0%         0%           0%           0%           0%           0%
        0%         0%         0%           0%           0%           0%           0%
        0%         0%         0%           0%           0%           0%           0%
       -          -          -            -            -            -            -
      0.0%       0.0%       0.0%         0.0%         0.0%         0.0%         0.0%




    $22.22     $22.22     $22.22       $22.22       $22.22        $22.22      $22.22
                                                              $7,600,000
      6.9%       6.9%       6.9%         7.7%         7.7%         7.7%         7.7%
       300        300        300          269          269           269         269

    91.00%     91.00%     91.00%       91.00%       91.00%       91.00%       91.00%
         $0         $0         $0           $0           $0           $0           $0
         $0         $0         $0   $7,799,500   $7,740,000   $9,236,000   $7,881,460
                                         0.0%         0.0%         0.0%         0.0%
    100.0%     100.0%     100.0%       100.0%       100.0%       100.0%       100.0%

      217        217        217          217          217          217          217
       65         65         65           65           65           65           65
  30.0%      30.0%      30.0%      30.0%      30.0%      30.0%      30.0%
$200,009   $200,010   $200,011   $200,012   $200,013   $200,014   $200,015

  1,881      1,881      1,881      1,881      1,881      1,881      1,881
    150        150        150        150        150        150        150
   8.0%       8.0%       8.0%       8.0%       8.0%       8.0%       8.0%
 $10,009    $10,010    $10,011    $10,012    $10,013    $10,014    $10,015

    178        178        178        178        178        178        178
     25         25         25         25         25         25         25
  14.0%      14.0%      14.0%      14.0%      14.0%      14.0%      14.0%
 $75,009    $75,010    $75,011    $75,012    $75,013    $75,014    $75,015

     14         14         14         14         14         14         14
     10         10         10         10         10         10         10
  71.4%      71.4%      71.4%      71.4%      71.4%      71.4%      71.4%
$200,009   $200,010   $200,011   $200,012   $200,013   $200,014   $200,015

     14         14         14         14         14         14         14

   0.0%       0.0%       0.0%       0.0%       0.0%       0.0%       0.0%


$485,036   $485,040   $485,044   $485,048   $485,052   $485,056   $485,060
  44.1%      44.1%      44.1%      44.1%      44.1%      44.1%      44.1%

    423        423        423        423        423        423        423




 100.0%     100.0%     100.0%     100.0%     100.0%     100.0%     100.0%
          0             0             0             0             0             0             0




          0             0             0             0             0             0             0

          0             0             0             0             0             0             0

     7558          7754          7921          7875          8123          8288          8288
    58625         59160         59285         59245         59279         59683         60027
   90,648        91,574        92,500        90,805        90,959        91,113        91,267
  188,114       189,057       190,000       186,376       186,705       187,035       187,364
  344,945       347,545       349,706       344,301       345,066       346,119       346,946

  278,762       280,631       282,500       277,181       277,664       278,148       278,631

          9             9             9             9             9             9             9


       100           100           100           100           100           100           100
    9.00%         9.00%         9.00%         9.00%         9.00%         9.00%         9.00%




#DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!




#DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!




#DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!

          9             9             9             9             9             9             9
          0             0             0             0             0             0             0
          0             0             0             0             0             0             0
   100      100      100          100          100           100           100
9.00%    9.00%    9.00%        9.00%        9.00%         9.00%         9.00%

91.0%    91.0%    91.0%        91.0%        91.0%         91.0%         91.0%


   $0       $0       $0    $4,230,903   $9,020,765   $16,647,285   $20,492,785

$0.00    $0.00    $0.00      $183.17      $195.10       $239.82       $221.22
        May-00       Jun-00        Jul-00       Aug-00       Sep-00        Oct-00       Nov-00

$             - ########### $           - $           - ########### $           - $           -
          7.7%         7.7%         7.7%          7.7%         7.7%         7.7%          7.7%
          269.0        269.0        269.0         269.0        269.0        269.0         269.0
             $0           $0           $0            $0           $0           $0            $0
    $25,651,579  $31,501,755  $35,291,150   $39,653,043  $43,746,093  $48,473,510   $52,876,561
     $2,970,750   $3,791,000   $3,740,000    $3,306,500   $3,425,500   $3,353,250    $3,829,250
     $4,323,470   $4,323,470   $3,809,460    $3,804,370   $3,804,370   $3,980,730    $3,980,730


         91.0%        91.0%        91.0%         91.0%        91.0%         91.0%        91.0%
          0.0%         0.0%         0.0%          0.0%         0.0%          0.0%         0.0%
          0.0%         0.0%         0.0%          0.0%         0.0%          0.0%         0.0%
        100.0%       100.0%       100.0%        100.0%       100.0%        100.0%       100.0%
         44.1%        44.1%        44.1%         44.1%        44.1%         44.1%        44.1%
           423          423          423           423          423           423          423



       $221.33       $226.31      $217.13      $213.29       $208.98      $208.22       $206.31

        100.0%       100.0%       100.0%        100.0%       100.0%        100.0%       100.0%




            0%           0%           0%            0%           0%            0%           0%
            0%           0%           0%            0%           0%            0%           0%
            0%           0%           0%            0%           0%            0%           0%
            0%           0%           0%            0%           0%            0%           0%
           -            -             -            -            -             -            -
          0.0%         0.0%          0.0%         0.0%         0.0%          0.0%         0.0%




        $22.22        $22.22       $22.22       $22.22        $22.22       $22.22        $22.22
                  $7,600,000                              $7,600,000
          7.7%         7.7%          7.7%         7.7%         7.7%          7.7%         7.7%
           269           269          269          269           269          269          269

        91.00%       91.00%       91.00%        91.00%       91.00%        91.00%       91.00%
             $0           $0           $0            $0           $0            $0           $0
     $7,294,220   $8,114,470   $7,549,460    $7,110,870   $7,229,870    $7,333,980   $7,809,980
          0.0%         0.0%         0.0%          0.0%         0.0%          0.0%         0.0%
        100.0%       100.0%       100.0%        100.0%       100.0%        100.0%       100.0%

          217           217          217          217           217          217           217
           65            65           65           65            65           65            65
  30.0%      30.0%      30.0%      30.0%      30.0%      30.0%      30.0%
$200,016   $200,017   $200,018   $200,019   $200,020   $200,021   $200,022

  1,881      1,881      1,881      1,881      1,881      1,881      1,881
    150        150        150        150        150        150        150
   8.0%       8.0%       8.0%       8.0%       8.0%       8.0%       8.0%
 $10,016    $10,017    $10,018    $10,019    $10,020    $10,021    $10,022

    178        178        178        178        178        178        178
     25         25         25         25         25         25         25
  14.0%      14.0%      14.0%      14.0%      14.0%      14.0%      14.0%
 $75,016    $75,017    $75,018    $75,019    $75,020    $75,021    $75,022

     14         14         14         14         14         14         14
     10         10         10         10         10         10         10
  71.4%      71.4%      71.4%      71.4%      71.4%      71.4%      71.4%
$200,016   $200,017   $200,018   $200,019   $200,020   $200,021   $200,022

     14         14         14         14         14         14         14

   0.0%       0.0%       0.0%       0.0%       0.0%       0.0%       0.0%


$485,064   $485,068   $485,072   $485,076   $485,080   $485,084   $485,088
  44.1%      44.1%      44.1%      44.1%      44.1%      44.1%      44.1%

    423        423        423        423        423        423        423




 100.0%     100.0%     100.0%     100.0%     100.0%     100.0%     100.0%
          0             0             0             0             0             0             0




          0             0             0             0             0             0             0

          0             0             0             0             0             0             0

     8690          8835          7923          7972          8012          8067          8114
    60336         61509         60705         55648         54940         54195         53575
   91,421        91,575        91,730        91,884        92,038        92,192        92,346
  187,694       188,023       188,353       188,682       189,012       189,341       189,671
  348,141       349,942       348,711       344,186       344,002       343,795       343,706

  279,115       279,598       280,083       280,566       281,050       281,533       282,017

          9             9             9             9             9             9             9


       100           100           100           100           100           100           100
    9.00%         9.00%         9.00%         9.00%         9.00%         9.00%         9.00%




#DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!




#DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!




#DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!

          9             9             9             9             9             9             9
          0             0             0             0             0             0             0
          0             0             0             0             0             0             0
        100           100           100           100           100           100           100
     9.00%         9.00%         9.00%         9.00%         9.00%         9.00%         9.00%

     91.0%         91.0%         91.0%         91.0%         91.0%         91.0%         91.0%


$25,651,579   $31,501,755   $35,291,150   $39,653,043   $43,746,093   $48,473,510   $52,876,561

   $221.33       $226.31       $217.13       $213.29       $208.98       $208.22       $206.31
     Dec-00        Jan-01          Feb-01          Mar-01          Apr-01          May-01          Jun-01

########### TBD             TBD            TBD           TBD           TBD           TBD
       7.7% TBD            TBD            TBD           TBD           TBD           TBD
       240.0           0.0            0.0         240.0         240.0         240.0         240.0
          $0            $0             $0            $0            $0            $0            $0
 $58,683,893   $5,360,751     $9,808,937    $14,891,254   $19,831,612   $24,150,140   $29,013,005
  $5,325,250   $3,407,950     $3,857,350     $5,232,300    $4,387,000    $3,745,000    $4,718,700
  $3,975,640   $2,548,735     $2,765,035     $3,237,290    $3,673,495    $3,237,290    $3,284,155


      91.0%         91.0%           91.0%           91.0%           91.0%           91.0%           91.0%
       0.0%          0.0%            0.0%            0.0%            0.0%            0.0%            0.0%
       0.0%          0.0%            0.0%            0.0%            0.0%            0.0%            0.0%
     100.0%        100.0%          100.0%          100.0%          100.0%          100.0%          100.0%
      44.1%         40.3%           39.7%           39.6%           39.6%           39.5%           40.5%
        423           325             325             326             327             328             331



    $209.70        $311.89         $267.52         $219.96         $237.83         $231.26         $226.11
                   100.0%          100.0%          100.0%          100.0%          100.0%          100.0%
     100.0%        100.0%          100.0%          100.0%          100.0%          100.0%          100.0%
                     1.00            1.00            1.00            1.00            1.00            1.00




         0%          100%            100%            100%            100%            100%            100%
         0%             0%              0%              0%              0%              0%              0%
         0%           80%             80%             80%             80%             80%             80%
         0%        10-15%          10-15%          10-15%          10-15%          10-15%          10-15%
        -              1.0             1.0             1.0             1.0             1.0             1.0
       0.0%        100.0%          100.0%          100.0%          100.0%          100.0%          100.0%




      $22.22        $29.70          $29.70
 $30,400,000 TBD             TBD             TBD             TBD             TBD             TBD
       7.7% TBD              TBD             TBD             TBD             TBD             TBD
         240                                          240             240             240             240

     91.00%
          $0            $0             $0              $0              $0              $0              $0
  $9,300,890    $5,956,685     $6,622,385      $8,469,590      $8,060,495      $6,982,290      $8,002,855
       0.0%          0.0%           0.0%            0.0%            0.0%            0.0%            0.0%
     100.0%        100.0%         100.0%          100.0%          100.0%          100.0%          100.0%

        217           205             205             205             206             207             208
         65            62              62              63              63              63              64
  30.0%       30.2%         30.2%        30.7%       30.6%        30.4%        30.8%
$200,023    $855,837    $2,182,543   $1,076,338    $902,451     $770,385     $970,685

  1,881       1,835         1,843       1,851        1,859        1,867        1,875
    150         144           144         144          145          145          146
   8.0%        7.8%          7.8%        7.8%         7.8%         7.8%         7.8%
 $10,023    $498,229    $1,163,123    $537,362     $450,549     $384,615     $484,615

    178          92            92          92           92           92           92
     25          32            32          32           32           32           32
  14.0%       34.8%         34.8%       34.8%        34.8%        34.8%        34.8%
 $75,023    $567,868    $1,497,864    $909,540     $762,600     $651,000     $820,260

     14           14           14           14           14           14           15
     10            8            8            8            8            8            9
  71.4%        57.1%        57.1%        57.1%        57.1%        57.1%        60.0%
$200,023   $1,633,704   $3,680,605   $1,418,100   $1,189,000   $1,015,000   $1,278,900

     14          14           14           15           15           15           16
                  7            7            8            8            8            8
   0.0%       50.0%        50.0%        50.0%        50.0%        50.0%        50.0%
             $43,560      $62,201     $586,800     $492,000     $420,000     $529,200

$485,092   $3,599,198   $8,586,336   $4,528,140   $3,796,600   $3,241,000   $4,083,660
  44.1%        40.3%        39.7%        39.6%        39.6%        39.5%        40.5%

    423         325          325          326          327          328          331

                   1            1            1            1            1            1
                   1            1            1            1            1            1
              100.0%       100.0%       100.0%       100.0%       100.0%       100.0%

 100.0%       100.0%       100.0%       100.0%       100.0%       100.0%       100.0%

               100%         100%         100%         100%         100%         100%
               100%         100%         100%         100%         100%         100%
               100%         100%         100%         100%         100%         100%
               100%         100%         100%         100%         100%         100%
               100%         100%         100%         100%         100%         100%
               100%         100%         100%         100%         100%         100%
               100%         100%         100%         100%         100%         100%

               100%         100%         100%         100%         100%         100%
               100%         100%         100%         100%         100%         100%
               100%         100%         100%         100%         100%         100%
               100%         100%         100%         100%         100%         100%
               100%         100%         100%         100%         100%         100%
               100%         100%         100%         100%         100%         100%

               80.0%        80.0%        80.0%        80.0%        80.0%        80.0%
              10-15%       10-15%       10-15%       10-15%       10-15%       10-15%
                 100.0%        100.0%        100.0%        100.0%        100.0%        100.0%

                 100.0%        100.0%        100.0%        100.0%        100.0%        100.0%




          0             0             0             0             0             0             0




          0             0             0             0             0             0             0

          0             0             0             0             0             0             0

                  35343         35376         35409         35442         35475         35509
                  60850         60700         60550         60400         60250         60100
   92,500        45,553        45,828        46,104        46,379        46,654        46,929
  190,000       192,849       192,827       192,804       192,782       192,759       192,737
  282,500       334,596       334,731       334,867       335,003       335,138       335,274

  282,500       238,403       238,655       238,908       239,160       239,413       239,666

          9             9             9             9             9             9             9


       100           100           100           100           100           100           100
    9.00%         9.00%         9.00%         9.00%         9.00%         9.00%         9.00%




#DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!




#DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!




#DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!

          9             9             9             9             9             9             9
          0             0             0             0             0             0             0
          0             0             0             0             0             0             0
        100          100          100           100           100           100           100
     9.00%        9.00%        9.00%         9.00%         9.00%         9.00%         9.00%

     91.0%        91.0%        91.0%         91.0%         91.0%         91.0%         91.0%


$58,683,893   $5,360,751   $9,808,937   $14,891,254   $19,831,612   $24,150,140   $29,013,005
                238,403      238,529       238,655       238,781       238,908       239,034
   $209.70       $311.89      $267.52       $219.96       $237.83       $231.26       $226.11
                   7.2%        15.4%         28.4%         34.9%         43.7%         53.7%
        Jul-01          Aug-01           Sep-01           Oct-01           Nov-01          Dec-01

 TBD              TBD              TBD              TBD              TBD              ###########
TBD              TBD              TBD              TBD              TBD                      8.2%
       240.0            240.0            240.0            240.0            240.0             240.0
          $0               $0               $0               $0               $0        $4,550,921
 $33,915,393      $38,689,157               $0               $0               $0       $53,877,921
  $4,370,950       $4,183,700       $4,108,800       $3,969,700       $4,681,250        $6,837,300
  $3,349,045       $3,042,620       $2,775,850       $3,042,620       $2,314,410        $2,779,455


        91.0%            91.0%            91.0%            91.0%            91.0%           91.0%    0.0%
         0.0%             0.0%             0.0%             0.0%             0.0%            0.0%    0.0%
         0.0%             0.0%             0.0%             0.0%             0.0% TBD                0.0%
       100.0%           100.0%           100.0%           100.0%           100.0%          100.0%    0.0%
        40.8%            39.2%            39.3%            39.3%            40.1%           40.1%    0.0%
          332              335              336              337              339             339     -



       $235.81          $239.28            $0.00            $0.00            $0.00        $224.69
       100.0%           100.0%           100.0%           100.0%           100.0%         100.0%
       100.0%           100.0%           100.0%           100.0%           100.0%         100.0%
         1.00             1.00             1.00             1.00             1.00           1.00




         100%             100%             100%             100%             100%            100%
            0%               0%               0%               0%               0% TBD
          80%              80%              80%              80%              80%             80%
       10-15%           10-15%           10-15%           10-15%           10-15%          10-15%
           1.0              1.0              1.0              1.0              1.0             1.0
       100.0%           100.0%           100.0%           100.0%           100.0%          100.0%




TBD              TBD              TBD              TBD              TBD                $34,000,000
TBD              TBD              TBD              TBD              TBD                      8.2%
          240              240              240              240              240              240
                                                                                        $4,550,921
                                                                                     TBD
          $0               $0               $0               $0               $0                $0
  $7,719,995       $7,226,320       $6,884,650       $7,012,320       $6,995,660        $9,616,755
       0.0%             0.0%             0.0%             0.0%             0.0%      TBD
     100.0%           100.0%           100.0%           100.0%           100.0%            100.0%

          209              210             211              212              212              212
           64               64              65               65               65               65
   30.6%        30.5%        30.8%        30.7%        30.7%         30.7%
 $871,902     $860,630     $845,222     $816,608     $962,981    $1,406,503

   1,883        1,891        1,899        1,907        1,915        1,923
     146          147          148          149          150          150
    7.8%         7.8%         7.8%         7.8%         7.8%         7.8%
 $435,298     $429,670     $421,978     $407,692     $480,769     $702,197

      92           92           92           92           92            92
      32           32           32           32           32            32
   34.8%        34.8%        34.8%        34.8%        34.8%         34.8%
 $759,810     $727,260     $714,240     $690,060     $813,750    $1,188,540

       15           16           16           16           17           17
        9            9            9            9           10           10
    60.0%        56.3%        56.3%        56.3%        58.8%        58.8%
$1,143,800   $1,133,900   $1,113,600   $1,075,900   $1,268,750   $1,853,100

      16           17           17           17           18           18
       8            9            9            9            9            9
   50.0%        50.0%        50.0%        50.0%        50.0%        50.0%
 $656,866     $469,200     $460,800     $445,200     $525,000     $766,800

$3,867,676   $3,620,660   $3,555,840   $3,435,460   $4,051,250   $5,917,140
    40.8%        39.2%        39.3%        39.3%        40.1%        40.1%

     332          335          336          337          339          339

        1            1            1            1            1            1
        1            1            1            1            1            1
   100.0%       100.0%       100.0%       100.0%       100.0%       100.0%

   100.0%       100.0%       100.0%       100.0%       100.0%       100.0%

    100%         100%         100%         100%         100%         100%
    100%         100%         100%         100%         100%         100%
    100%         100%         100%         100%         100%         100%
    100%         100%         100%         100%         100%         100%
    100%         100%         100%         100%         100%         100%
    100%         100%         100%         100%         100%         100%
    100%         100%         100%         100%         100%         100%

    100%         100%         100%         100%         100%         100%
    100%         100%         100%         100%         100%         100%
    100%         100%         100%         100%         100%         100%
    100%         100%         100%         100%         100%         100%
    100%         100%         100%         100%         100%         100%
    100%         100%         100%         100%         100%         100%

    80.0%        80.0%        80.0%        80.0%        80.0%        80.0%
   10-15%       10-15%       10-15%       10-15%       10-15%       10-15%
   100.0%        100.0%        100.0%        100.0%        100.0%           100.0%
                                                                      TBD
   100.0%        100.0%        100.0%        100.0%        100.0%           100.0%




          0             0             0             0             0               0




          0             0             0             0             0               0

          0             0             0             0             0               0

    35542         35575         35608         35641         35674             35707
    59950         59800         59650         59500         59350             59200
   47,204        47,479        47,755        48,030        48,305            48,580
  192,714       192,691       192,669       192,646       192,624           192,601
  335,410       335,545       335,681       335,817       335,952           336,088

  239,918       240,171       240,423       240,676       240,928           241,181

          9             9             9             9             9               9


       100           100           100           100           100              100
    9.00%         9.00%         9.00%         9.00%         9.00%            9.00%




#DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!         #DIV/0!




#DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!         #DIV/0!




#DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!       #DIV/0!         #DIV/0!

          9             9             9             9             9               9
          0             0             0             0             0               0
          0             0             0             0             0               0
        100           100        100        100        100           100
     9.00%         9.00%      9.00%      9.00%      9.00%         9.00%

     91.0%         91.0%      91.0%      91.0%      91.0%         91.0%


$33,915,393   $38,689,157         $0         $0         $0   $53,877,921
   239,160       239,287    239,413    239,539    239,666       239,792
    $235.81       $239.28      $0.00      $0.00      $0.00       $224.69
     60.1%         67.6%      74.5%      82.6%      90.1%        100.0%
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                                                                                                      Indianapolis Life
Indianapolis Life                                                              96                 Corporate Scorecard
Target                                                                        100                                                        September-01


Profit Perspective
MEASURE                                                           DATE        SCORE*                 ACTUAL                 TARGET             AIP LEVEL

GAAP Income (PGAAP)                                            Jun-01                           (8,820,492)                    TBD        **
Return on Equity (ROE)                                         Jun-01                                    TBD                   TBD
Risk-Based Capital (RBC)                                       Jun-01          119                       286                    240
Expense to Pricing (YTD)                                       Dec-01                                     -             4,550,921
Expense to Budget (YTD)                                        Sep-01                                     -                     -
Life Sales (YTD)                                               Sep-01          108             41,000,878              38,011,750
Annuity Sales (YTD)                                            Sep-01           63             17,501,367              27,913,515

Product Perspective
MEASURE                                                           DATE         SCORE                 ACTUAL                 TARGET             AIP LEVEL

Life Persistency                                               Sep-01          102                     93.1%                 91.0%
Annuity Persistency                                            Sep-01                                   0.0%                   0.0%
New Product Revenue                                            Jun-01      #####                              0%                    0%
New Product ROI                                                Mar-01        -                                0%              100%
Producers Meeting Standards                                    Sep-01          80                      31.5%                 39.3%

Planning & Process Perspective
MEASURE                                                           DATE         SCORE                 ACTUAL                 TARGET

Unit Costs                                                     Sep-01                     $               -        $            -
% Products Completed (YTD)                                      Jul-01           90                    90.0%               100.0%
New Product Acceptance                                         Dec-01                                     -                   100%
On-Time Completion within Budget & Spec                        Sep-01                                                         100%

Personnel Perspective
MEASURE                                                           DATE         SCORE                 ACTUAL                 TARGET

Personal Development Plans                                     Oct-01                                     -                   100%
Succession Plans                                               Jun-01                                     -                     -
Employee Satisfaction                                          Oct-01                                     -                    80%
Employee Turnover                                              Jun-01            98                     9.8%               10-15%                          0.2
                                           & Spec
On-Time Deployment of Systems within BudgetMar-01                                                                             100%
Performance-Based Culture                                      Dec-01                                     -                   100%
                                                                                                                           Total Score         #VALUE!
*Our target is a SCORE of 100 or more.

** PRP funding triggered by GAAP Income - GAAP targets will be set with PGAAP financial projections by the end of August

The following items are scheduled to be measured later in the year:
                                           Unit Costs (Q3, Following ABC Report)
                                           On-Time Completion within Budget & Spec (Q3)
                                           On-Time Deployment of Systems withing Budget & Spec (Q3)
                                           Personal Development Plans (Q4)
                                           Employee Satisfaction (Q4)
                                           New Product ROI (Q4)
                                           New Product Acceptance (Q4)
                                           Performance-Based Culture (April 2002)

The following measures are being developed:
                                          Annuity Persistency
                                          New Product Revenue
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                                                                                        Measure Detail
GAAP Income (PGAAP)                   $   (8,820,492)                            GAAP Income (PGAAP)
Target                                         TBD                                                                        June-01



                                                        Twelve Months

     $40,000,000
     $35,000,000
     $30,000,000
     $25,000,000
     $20,000,000
     $15,000,000
     $10,000,000
      $5,000,000
              $-
     $(5,000,000)             Mar                        Jun                          Sep                           Dec
    $(10,000,000)
    $(15,000,000)

                                                            Actuals     Previous Yr         Target




Description                                                             Measure Data
Also known also as the "bottom                Month                 Actual        Target             Previous Yr.           Index
line", GAAP Income represents                   Jan     $             -            TBD           $           -
the company's profit. It is an                  Feb     $             -            TBD           $           -
indicator that reflects the                     Mar     $       6,700,000          TBD           $     7,822,000          #VALUE!
company's financial performance
                                                Apr                                TBD           $     7,822,000
for the past quarter.
                                                May                                TBD           $     7,822,000
Calculation: Consolidated GAAP                  Jun     $      (8,820,492)         TBD           $    10,395,000          #VALUE!
Income (revenue – expenses)                      Jul    $             -            TBD           $    10,395,000
after taxes, before capital gains,              Aug     $             -            TBD           $    10,395,000
adjusted for non-recurring items at             Sep     $             -            TBD           $    12,505,000
the Board's discretion. Measured                Oct     $             -            TBD           $    12,505,000
quarterly, YTD.                                 Nov     $             -            TBD           $    12,505,000
                                                Dec     $             -    $ 34,000,000          $    32,100,000
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                                                                            Measure Detail
 Return on Equity (ROE)              TBD                            Return on Equity (ROE)
Target                               TBD                                                             June-01



                                              Twelve Months

   10.0%
    9.0%
    8.0%
    7.0%
    6.0%
    5.0%
    4.0%
    3.0%
    2.0%
    1.0%
    0.0%
                       Mar              Jun                          Sep                       Dec


                                         Actuals      Previous Yr      Target




Description                                               Measure Data
A measure of profitability that     Month            Actual            Target   Previous Yr.
reflects the amount of earnings a     Jan             0.0%               TBD           0.0%
company generates related to its      Feb             0.0%               TBD           0.0%
equity. Investors use ROE as a        Mar             6.6%               TBD           8.3%
measure to show how effectively a
                                      Apr                                TBD           8.3%
company is using its equity.
                                      May                                TBD           8.3%
Calculation: GAAP Income              Jun             TBD                TBD           9.3%
(profit) after minority interest       Jul            0.0%               TBD           9.3%
divided by average total equity.      Aug             0.0%               TBD           9.3%
ROE is shown as a percentage.         Sep             0.0%               TBD           8.6%
Measured quarterly, YTD.              Oct             0.0%               TBD           8.6%
                                      Nov             0.0%               TBD           8.6%
                                      Dec             0.0%              8.2%           8.3%
 Measure Detail
on Equity (ROE)
            June-01




      Dec




              Index


            #VALUE!


            #VALUE!
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                                                                              Measure Detail
Risk-Based Capital (RBC)                  286.48                     Risk-Based Capital (RBC)
Target                                      240                                                    June-01



                                                    Twelve Months

  350
  300
  250
  200
  150
  100
   50
    0
               Mar                  Jun             Sep              Dec


                                               Actuals     Previous Yr     Target




Description                                                      Measure Data
RBC indicates whether a                    Month           Actual          Target   Previous Yr.
company has adequate capital                 Jan               0                0             0
to maintain its activities. It is            Feb               0                0             0
monitored by regulatory and                  Mar             300              240           285
rating agencies to evaluate                  Apr                              240           285
how effectively we're using our              May                              240           285
capital.                                     Jun           286.48             240           287
                                              Jul               0             240           287
Calculation: Total adjusted                  Aug                0             240           287
capital and surplus divided by               Sep                0             240           273
company action level.                        Oct                0             240           273
Measured quarterly, YTD.                     Nov                0             240           273
                                             Dec                0             240           255
Measure Detail
d Capital (RBC)
           June-01




            Index


              125


              119
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                                                                                    Measure Detail
Expense to Pricing (YTD)                     -                             Expense to Pricing (YTD)
Target                                 4,550,921                                                                      December-01



                                                     Twelve Months

    12,000,000
    10,000,000
     8,000,000
     6,000,000
     4,000,000
     2,000,000
            -
                   Jan       Feb      Mar   Apr      May       Jun        Jul         Aug        Sep      Oct       Nov


                                                     Actuals         Previous Yr            Target




Description                                                           Measure Data
Managing expenses in line with              Month              Actual                  Target        Previous Yr.
the prices built into our products            Jan                -                       -                   -
(‘allowables’) will yield good                Feb                -                       -                   -
profitability for our company. This           Mar                -                       -                   -
measure is the difference between
                                              Apr                -                       -                   -
actual expenses and pricing
‘allowables’.                                 May                -                       -                   -
                                              Jun                -                       -                   -
Calculation: Difference between                Jul               -                       -                   -
actual expenses and pricing                   Aug                -                       -                   -
allowable. Measured quarterly,                Sep                -                       -                   -
YTD.                                          Oct                -                       -                   -
                                              Nov                -                       -                   -
                                              Dec                -                 4,550,921          10,873,600
Measure Detail
o Pricing (YTD)
        December-01




      Nov   Dec




              Index
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                                                                                      Measure Detail
Expense to Budget (YTD)              $           -                           Expense to Budget (YTD)
Target                               $           -                                                                     September-01



                                                        Twelve Months

     $70,000,000
     $60,000,000
     $50,000,000
     $40,000,000
     $30,000,000
     $20,000,000
     $10,000,000
             $-
    $(10,000,000)    Jan     Feb         Mar    Apr      May       Jun        Jul       Aug        Sep      Oct       Nov


                                                         Actuals         Previous Yr          Target




Description                                                              Measure Data
The total operating expenses of                Month             Actual                  Target        Previous Yr.
the company compared to budget                   Jan    $    4,368,194       $       5,360,751     $      (141,348)
targets. This measure can indicate               Feb    $    8,316,048       $       9,808,937     $     8,514,175
the accuracy of planning and the                 Mar    $   14,242,052       $      14,891,254     $    15,275,350
ability of the company to execute
                                                 Apr    $   17,953,752       $      19,831,612     $    17,889,917
its strategy.
                                                 May    $   22,172,182       $      24,150,140     $    23,086,735
Calculation: Total ILICo and                     Jun    $   30,997,731       $      29,013,005     $    29,175,036
BLNY operating expenses,                          Jul   $   33,914,053       $      33,915,393     $    33,108,331
excluding one-time costs                         Aug    $   39,346,824       $      38,689,157     $    37,164,110
(demutualization, integration &                  Sep    $          -         $             -       $    42,976,077
lawsuit). Measured monthly, YTD.                 Oct    $          -         $             -       $    46,819,230
                                                 Nov    $          -         $             -       $    51,477,528
                                                 Dec    $          -         $      53,877,921     $    60,345,818

                                     Breakdown - % Under Budget YTD
Month                                           ILICo          Bankers
Jan                                              -19%             -18%
Feb                                              -15%             -18%
Mar                                               -1%             -21%
Apr                                               -8%             -16%
May                                               -7%             -14%
Jun                                               10%             -12%
Jul                                                2%             -10%
Aug                                                4%             -10%
Sep
Oct
Nov
Dec
Measure Detail
o Budget (YTD)
       September-01




      Nov   Dec




              Index
                119
                115
                104
                109
                108
                 93
                100
                 98




              Total
              -19%
              -15%
               -4%
               -9%
               -8%
                7%
                0%
                2%
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                                                                                                        Measure Detail
Life Sales (YTD)                      $ 41,000,878                                                     Life Sales (YTD)
Target                                $ 38,011,750                                                                         September-01



                                                        Twelve Months

    $60,000,000
    $50,000,000
    $40,000,000
    $30,000,000
    $20,000,000
    $10,000,000
            $-
                     Jan      Feb     Mar      Apr      May        Jun        Jul       Aug        Sep          Oct       Nov


                                                         Actuals         Previous Yr          Target




Description                                                              Measure Data
All new life premium sales year-to-           Month              Actual                  Target            Previous Yr.
date. A reflection of past sales                Jan     $    3,505,935       $       3,407,950         $     3,663,625
activities and growth, and an                   Feb     $    8,367,342       $       7,265,300         $     9,644,597
important indicator for future                  Mar     $   13,647,853       $      12,497,600         $    14,935,539
financial performance and growth
                                                Apr     $   18,690,853       $      16,884,600         $    18,803,228
of our customer base.
                                                May     $   23,606,859       $      20,629,600         $    22,242,356
Calculation: Total annualized                   Jun     $   27,746,476       $      25,348,300         $    26,475,263
new life premium produced                        Jul    $   32,497,515       $      29,719,250         $    29,261,583
excluding dividend additions,                   Aug     $   37,166,377       $      33,902,950         $    33,195,840
PUAR and UL lump sum                            Sep     $   41,000,878       $      38,011,750         $    36,325,969
premium. Measured monthly,                      Oct     $   45,926,224       $      41,981,450         $    39,029,299
YTD.                                            Nov                          $      46,662,700         $    42,752,714
                                                Dec                          $      53,500,000         $    49,309,341

                                Breakdown - % of Target YTD by Channel
                                            Strategic         Financial
                           Legacy            Alliance       Institutions            ILICo GA's                   IMO's
                            17.6%              68.6%              48.3%                  86.5%                  172.2%
                            31.0%              48.7%              29.8%                 110.1%                  208.6%
                            22.2%              47.1%              28.7%                  49.4%                  213.7%
                             0.4%              73.0%              39.8%                  99.4%                  197.1%
                            15.8%             137.1%              53.8%                  94.9%                  218.0%
                            21.1%              90.5%              32.4%                 100.8%                   95.9%
                            15.1%              97.4%               3.8%                 167.4%                   65.2%
                            29.8%             125.9%              58.8%                 115.7%                  118.6%
13.2%    95.0%    32.9%   110.7%    85.7%
91.2%   134.2%   119.7%   123.5%   120.6%
 Measure Detail
Life Sales (YTD)
        September-01




       Nov   Dec




               Index
                 103
                 115
                 109
                 111
                 114
                 109
                 109
                 110
                 108
                 109




el
             NY GA's
              109.2%
              148.7%
              111.3%
              126.6%
              141.6%
               99.5%
              161.4%
              143.9%
132.5%
147.0%
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                                                                                             Measure Detail
Annuity Sales (YTD)                   $ 17,501,367                                       Annuity Sales (YTD)
Target                                $ 27,913,515                                                                        September-01



                                                      Twelve Months

    $40,000,000
    $35,000,000
    $30,000,000
    $25,000,000
    $20,000,000
    $15,000,000
    $10,000,000
     $5,000,000
            $-
                     Jan      Feb      Mar    Apr     May         Jun        Jul       Aug        Sep          Oct       Nov


                                                       Actuals          Previous Yr          Target




Description                                                             Measure Data
All new annuity premium sales                Month             Actual                   Target            Previous Yr.
year-to-date. A reflection of past             Jan    $    1,014,833        $       2,548,735         $     3,824,309
sales activities and growth, and an            Feb    $    2,106,145        $       5,313,770         $     7,812,612
important indicator for future                 Mar    $    3,908,164        $       8,551,060         $    11,986,035
financial performance and growth
                                               Apr    $    6,565,818        $      12,224,555         $    14,867,393
of our customer base.
                                               May    $    9,755,779        $      15,461,845         $    18,099,868
Calculation: 10% of total                      Jun    $   11,390,197        $      18,746,000         $    20,316,051
annualized new annuity premium                  Jul   $   13,644,175        $      22,095,045         $    21,881,763
produced. Measured monthly,                    Aug    $   15,766,251        $      25,137,665         $    23,640,698
YTD.                                           Sep    $   17,501,367        $      27,913,515         $    25,333,382
                                               Oct    $   19,891,149        $      30,956,135         $    26,557,128
                                               Nov                          $      33,270,545         $    28,218,282
                                               Dec                          $      36,050,000         $    29,359,837

                               Breakdown - % of Target YTD by Channel
Month                                                            Legacy            ILICo GA's                NY GA's
Jan                                                               24.3%                 55.2%                 125.0%
Feb                                                               35.3%                 35.3%                  81.3%
Mar                                                               68.0%                 28.2%                  96.2%
Apr                                                               98.3%                 30.2%                  80.6%
May                                                              147.4%                 21.0%                  46.1%
Jun                                                               63.5%                 53.9%                  67.6%
Jul                                                               72.5%                 49.5%                 147.8%
Aug                                                               88.4%                131.2%                  51.7%
Sep                                                               80.4%                 45.6%                  38.8%
Oct   103.5%   20.7%   97.4%
Nov
Dec
 Measure Detail
uity Sales (YTD)
        September-01




       Nov   Dec




               Index
                 40
                 40
                 46
                 54
                 63
                 61
                 62
                 63
                 63
                 64




el
        Broker/Dealer
               44.7%
               37.2%
               28.7%
               31.7%
               37.2%
               22.4%
               42.2%
               37.6%
               40.1%
35.3%
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                                                                                                      Measure Detail
                     Jan-00        $           -
Target                             $           -                                                                          June-01



                                                      Twelve Months

     $1
     $1
     $1
     $1
     $1
     $1
     $0
     $0
     $0
     $0
    $-
           Jan      Feb      Mar       Apr         May        Jun         Jul       Aug        Sep       Oct        Nov


                                                    Actuals          Previous Yr      Target




Description                                                              Measure Data
Description of the measure                   Month                  Actual            Target         Previous Yr.
here.                                          Jan       $            -         $       -        $           -
                                               Feb       $            -         $       -        $           -
                                               Mar       $            -         $       -        $           -
                                               Apr       $            -         $       -        $           -
                                               May       $            -         $       -        $           -
                                               Jun       $            -         $       -        $           -
                                                Jul      $            -         $       -        $           -
                                               Aug       $            -         $       -        $           -
                                               Sep       $            -         $       -        $           -
                                               Oct       $            -         $       -        $           -
                                               Nov       $            -         $       -        $           -
                                               Dec       $            -         $       -        $           -
Measure Detail
       Jan-00
           June-01




     Nov   Dec




             Index
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                                                                                                Measure Detail
Life Persistency                            93.1%                                              Life Persistency
Target                                      91.0%                                                                   September-01



                                                      Twelve Months

   100.0%
    90.0%
    80.0%
    70.0%
    60.0%
    50.0%
    40.0%
    30.0%
    20.0%
    10.0%
     0.0%
               Jan       Feb         Mar   Apr   May          Jun        Jul      Aug        Sep       Oct        Nov


                                                    Actuals         Previous Yr     Target




Description                                                             Measure Data
Persistency is an indicator of the           Month              Actual             Target          Previous Yr.
level of satisfaction that                     Jan              92.0%              91.0%
customers have with the                        Feb              93.6%              91.0%
company, its products and its                  Mar              93.5%              91.0%
services. Persistency is also
                                               Apr              93.0%              91.0%
affected by the economic,
competitive and regulatory                     May              93.5%              91.0%
environment.                                   Jun              93.4%              91.0%
                                                Jul             93.3%              91.0%
Calculation: Life persistency                  Aug              93.2%              91.0%
measured by comprehensive AM                   Sep              93.1%              91.0%
Best Lapse Ratio. Measured                     Oct                                 91.0%
monthly, YTD.                                  Nov                                 91.0%
                                               Dec                                 91.0%

                        Breakdown - Life Persistency by Legal Entity, YTD
Month                                                           ILICO              WSLIC                    ILA
Jan                                                             91.0%              99.2%                 87.1%
Feb                                                             93.3%              96.2%                 93.5%
Mar                                                             93.4%              94.2%                 96.0%
Apr                                                             92.7%              94.2%                 98.7%
May                                                             93.3%              94.4%                 98.2%
Jun                                                             93.3%              94.4%                 99.0%
Jul                                                             93.3%              94.1%                 99.1%
Aug                                                             93.0%              93.5%                104.9%
Sep                                                             93.0%              93.7%                 98.1%
Oct
Nov
Dec
 Measure Detail
Life Persistency
           September-01




         Nov    Dec




                  Index
                    101
                    103
                    103
                    102
                    103
                    103
                    103
                    102
                    102




 , YTD
                 BLNY
                 93.5%
                 94.1%
                 93.7%
                 93.7%
                 93.7%
                 93.5%
                 93.1%
                 93.2%
                 93.3%
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                                                                                           Measure Detail
Annuity Persistency                           -                                        Annuity Persistency
Target                                        -                                                                  September-01



                                                        Twelve Months

  1.00
  0.90
  0.80
  0.70
  0.60
  0.50
  0.40
  0.30
  0.20
  0.10
  0.00
            Jan       Feb        Mar   Apr        May        Jun        Jul      Aug        Sep      Oct     Nov


                                                   Actuals         Previous Yr     Target




Description                                                              Measure Data
Persistency is an indicator of the           Month                 Actual          Target         Previous Yr.
level of satisfaction that                     Jan                   0.00            0.00                0.00
customers have with the                        Feb                   0.00            0.00                0.00
company, its products and its                  Mar                   0.00            0.00                0.00
services. Persistency is also
                                               Apr                   0.00            0.00                0.00
affected by the economic,
competitive and regulatory                     May                   0.00            0.00                0.00
environment.                                   Jun                   0.00            0.00                0.00
                                                Jul                  0.00            0.00                0.00
Calculation: Annuity persistency               Aug                   0.00            0.00                0.00
measure TBD. Measured monthly,                 Sep                   0.00            0.00                0.00
YTD.                                           Oct                   0.00            0.00                0.00
                                               Nov                   0.00            0.00                0.00
                                               Dec                   0.00            0.00                0.00
 Measure Detail
uity Persistency
         September-01




       Nov    Dec




                Index
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                                                                                      Measure Detail
New Product Revenue                         -                                   New Product Revenue
Target                                      -                                                                    June-01



                                                      Twelve Months

  1.00
  0.90
  0.80
  0.70
  0.60
  0.50
  0.40
  0.30
  0.20
  0.10
  0.00
           Jan       Feb       Mar   Apr        May        Jun        Jul      Aug        Sep      Oct     Nov


                                                 Actuals         Previous Yr     Target




Description                                                            Measure Data
Focusing on product leadership             Month                 Actual          Target         Previous Yr.
requires innovation and a focus on           Jan                   0.00            0.00                0.00
new products. Revenue generated              Feb                   0.00            0.00                0.00
from new products illustrates that           Mar                   0.00            0.00                0.00
the company continues to
                                             Apr                   0.00            0.00                0.00
innovate and be a leader in the
industry.                                    May                   0.00            0.00                0.00
                                             Jun                   0.00            0.00                0.00
Calculation: Percentage of                    Jul                  0.00            0.00                0.00
premium produced from products               Aug                   0.00            0.00                0.00
introduced over a three-year                 Sep                   0.00            0.00                0.00
period including years 1999, 2000            Oct                   0.00            0.00                0.00
and 2001. Measured monthly,                  Nov                                   0.00                0.00
YTD.                                         Dec                                   TBD                 0.00
Measure Detail
oduct Revenue
           June-01




     Nov   Dec




             Index




           #VALUE!
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                                                                                           Measure Detail
New Product ROI                              0%                                          New Product ROI
Target                                     100%                                                                March-01



                                                    Twelve Months

  1.20
  1.00
  0.80
  0.60
  0.40
  0.20
  0.00
           Jan       Feb       Mar   Apr      May        Jun        Jul      Aug        Sep      Oct     Nov


                                               Actuals         Previous Yr     Target




Description                                                          Measure Data
To contribute to the company’s             Month               Actual          Target         Previous Yr.
total return, new products must be           Jan                 0.00            1.00                0.00
priced according to profit                   Feb                 0.00            1.00                0.00
objectives. Expenses and sales               Mar                 0.00            1.00                0.00
must be managed to achieve this
                                             Apr                 0.00            1.00                0.00
profitability.
                                             May                 0.00            1.00                0.00
Calculation: Percentage of new               Jun                 0.00            1.00                0.00
products that went through the                Jul                0.00            1.00                0.00
ALM pricing review, meeting                  Aug                 0.00            1.00                0.00
pricing goals. Measured annually.            Sep                 0.00            1.00                0.00
                                             Oct                 0.00            1.00                0.00
                                             Nov                 0.00            1.00                0.00
                                             Dec                 0.00            1.00                0.00
 Measure Detail
ew Product ROI
            March-01




      Nov    Dec




               Index
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                                                                                        Measure Detail
Producers Meeting Standards                            0                   Producers Meeting Standards
Target                                                 0                                                                      September-01



                                                             Twelve Months

   45.0%
   40.0%
   35.0%
   30.0%
   25.0%
   20.0%
   15.0%
   10.0%
    5.0%
    0.0%
              Jan       Feb         Mar       Apr       May          Jun         Jul       Aug        Sep       Oct         Nov


                                                           Actuals          Previous Yr      Target




Description                                                                     Measure Data
While growing our distribution is                   Month                  Actual            Target         Previous Yr.
important, we must also make                          Jan                  29.9%             40.3%                22.5%
sure that the agencies and                            Feb                  28.9%             39.7%                31.9%
organizations’ added are                              Mar                  23.7%             39.6%                28.9%
productive and meet the
                                                      Apr                  22.6%             39.6%                29.8%
standards set forth in their
contracts.                                            May                  32.0%             39.5%                31.7%
                                                      Jun                  32.2%             40.5%                33.2%
Calculation: % of producers                            Jul                 34.0%             40.8%                33.2%
meeting minimum contract                              Aug                  31.3%             39.2%                32.0%
standards from each distribution                      Sep                  31.5%             39.3%                32.0%
multiplied by the % of the                            Oct                  32.9%             39.3%                29.7%
premium produced by that                              Nov                                    40.1%                31.8%
distribution. Measured monthly,                       Dec                                    40.1%                29.5%
YTD.

                      Breakdown - % Meeting Standards by Channel, YTD
                                          ILICO Agent's          ILICO GA's              BLNY GA's                 IMO's
                                               ($10,000)           ($50,000)               ($75,000)           ($200,000)
Month                                       7.8% Target        30.7% Target            34.8% Target         54.8% Target
Jan                                                4.2%               22.2%                   46.2%                37.5%
Feb                                                4.2%               22.2%                   22.4%                43.8%
Mar                                                4.3%               20.1%                   21.1%                31.3%
Apr                                                4.9%               19.8%                   18.9%                31.3%
May                                                5.6%               21.7%                   21.4%                50.0%
Jun                                                5.9%               22.5%                   23.5%                50.0%
Jul   6.0%   23.5%   28.2%   56.3%
Aug   4.4%   24.7%   28.2%   50.0%
Sep   6.6%   24.0%   30.6%   50.0%
Oct   7.2%   22.4%   29.3%   55.6%
Nov
Dec
 Measure Detail
eting Standards
            September-01




          Nov        Dec




                       Index
                         74
                         73
                         60
                         57
                         81
                         79
                         83
                         80
                         80
                         84




el, YTD
                    Strategic
                    Alliances
                   ($250,000)
                50.0% Target
                        12.5%
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                                                                                               Measure Detail
Distribution Growth                             369                                       Distribution Growth
Target                                          336                                                               September-01



                                                        Twelve Months

  600
  500
  400
  300
  200
  100
     0
           Jan       Feb           Mar   Apr      May        Jun        Jul       Aug        Sep      Oct     Nov


                                                   Actuals         Previous Yr      Target




Description                                                              Measure Data
One way to positively affect the               Month               Actual               Target     Previous Yr.
bottom line is to increase sales.                Jan                 320                   325             383
Increasing the number of agents                  Feb                 335                   325             378
selling our products should,                     Mar                 340                   326             379
theoretically, increase sales.
                                                 Apr                 345                   327             382
Calculation: Total number of
                                                 May                 352                   328             384
agencies (IL and BLNY), IMOs                     Jun                 356                   331             371
and strategic alliance partners.                  Jul                363                   332             370
Measured monthly.                                Aug                 373                   335             378
                                                 Sep                 369                   336             367
                                                 Oct                 375                   337             424
                                                 Nov                   0                   339             423
                                                 Dec                   0                   339             490

                              Breakdown - # Producers by Channel, YTD
                                                             ILICO GA's          BLNY GA's               IMO's
Month                                                         212 Target          92 Target          17 Target
Jan                                                                 203                 93                 16
Feb                                                                 203                107                 16
Mar                                                                 204                109                 16
Apr                                                                 207                111                 16
May                                                                 212                112                 16
Jun                                                                 213                115                 16
Jul                                                                 217                117                 16
Aug   227   117   16
Sep   229   111   16
Oct   228   116   18
Nov
Dec
Measure Detail
ibution Growth
       September-01




     Nov    Dec




              Index
                 98
                103
                104
                106
                107
                108
                109
                111
                110
                111




D
           Strategic
           Alliances
           18 Target
                  8
                  9
                 11
                 11
                 12
                 12
                 13
13
13
13
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                                                                                     Measure Detail
GAAP Income (PGAAP)                        -                                  GAAP Income (PGAAP)
Target                                     -                                                                    June-01



                                                     Twelve Months

  1.00
  0.90
  0.80
  0.70
  0.60
  0.50
  0.40
  0.30
  0.20
  0.10
  0.00
          Jan     Feb        Mar    Apr        May        Jun        Jul      Aug        Sep      Oct     Nov


                                                Actuals         Previous Yr     Target




Description                                                           Measure Data
Description of the measure                Month                 Actual          Target         Previous Yr.
here.                                       Jan                   0.00            0.00                0.00
                                            Feb                   0.00            0.00                0.00
                                            Mar                   0.00            0.00                0.00
                                            Apr                   0.00            0.00                0.00
                                            May                   0.00            0.00                0.00
                                            Jun                   0.00            0.00                0.00
                                             Jul                  0.00            0.00                0.00
                                            Aug                   0.00            0.00                0.00
                                            Sep                   0.00            0.00                0.00
                                            Oct                   0.00            0.00                0.00
                                            Nov                   0.00            0.00                0.00
                                            Dec                   0.00            0.00                0.00
 Measure Detail
ncome (PGAAP)
            June-01




      Nov   Dec




              Index
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                                                                                                Measure Detail
                                           -
Target                                     -                                                                    June-01



                                                     Twelve Months

  1.00
  0.90
  0.80
  0.70
  0.60
  0.50
  0.40
  0.30
  0.20
  0.10
  0.00
          Jan     Feb        Mar    Apr        May        Jun        Jul      Aug        Sep      Oct     Nov


                                                Actuals         Previous Yr     Target




Description                                                           Measure Data
Description of the measure                Month                 Actual          Target         Previous Yr.
here.                                       Jan                   0.00            0.00                0.00
                                            Feb                   0.00            0.00                0.00
                                            Mar                   0.00            0.00                0.00
                                            Apr                   0.00            0.00                0.00
                                            May                   0.00            0.00                0.00
                                            Jun                   0.00            0.00                0.00
                                             Jul                  0.00            0.00                0.00
                                            Aug                   0.00            0.00                0.00
                                            Sep                   0.00            0.00                0.00
                                            Oct                   0.00            0.00                0.00
                                            Nov                   0.00            0.00                0.00
                                            Dec                   0.00            0.00                0.00
Measure Detail

           June-01




     Nov   Dec




             Index
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                                                                                                    Measure Detail
Unit Costs                                     -                                                       Unit Costs
Target                                         -                                                                    September-01



                                                       Twelve Months

   350.00
   300.00
   250.00
   200.00
   150.00
   100.00
    50.00
     0.00
   -50.00     Jan       Feb       Mar   Apr        May        Jun        Jul      Aug        Sep       Oct        Nov


                                                    Actuals         Previous Yr     Target




Description                                                             Measure Data
The average annual cost per                   Month              Actual             Target         Previous Yr.
policy. Cost per policy is one                  Jan              219.01             311.89                -6.12
representation of the overall                   Feb              195.70             267.52               183.73
process efficiency of the                       Mar              181.70             219.96               219.21
company.
                                                Apr              186.12             237.83               192.37
Calculation: Expenses (defined
                                                May              183.61             231.26               198.53
by expense-to-budget measure)                   Jun              208.95             226.11               208.99
divided by ILICo and BLNY                        Jul             203.96             235.81               203.24
policies under administration.                  Aug              210.45             239.28               199.61
Measured monthly, on a prorated                 Sep                0.00               0.00               205.20
annual basis, YTD.                              Oct                0.00               0.00               201.24
                                                Nov                0.00               0.00               201.22
                                                Dec                0.00             224.69               216.32

                              Breakdown - Factors in Unit Cost Calculation
                                                             Expense to           Average                 YTD
Month                                                            Budget           Policies           Unit Cost
Jan                                                      $    4,368,194           276,644      $        15.79
Feb                                                      $    8,316,048           276,446      $        30.08
Mar                                                      $   14,242,052           276,306      $        51.54
Apr                                                      $   17,953,752           276,238      $        64.99
May                                                      $   22,172,182           276,257      $        80.26
Jun                                                      $   30,997,731           276,364      $       112.16
Jul                                                      $   33,914,053           276,490      $       122.66
Aug                                                      $   39,346,824           276,695      $       142.20
Sep   $   -
Oct   $   -
Nov   $   -
Dec   $   -
Measure Detail
   Unit Costs
        September-01




      Nov    Dec




               Index
                 130
                 127
                 117
                 122
                 121
                 108
                 114
                 112




ion
        Annualization
              Factor
                7.2%
               15.4%
               28.4%
               34.9%
               43.7%
               53.7%
               60.1%
               67.6%
 74.5%
 82.6%
 90.1%
100.0%
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                                                                                Measure Detail
% Products Completed (YTD)
                        $                     0.90                 % Products Completed (YTD)
Target                              $         1.00                                                                July-01



                                                       Twelve Months

  1.20
  1.00
  0.80
  0.60
  0.40
  0.20
  0.00
          Jan      Feb      Mar         Apr      May        Jun        Jul      Aug        Sep      Oct     Nov


                                                  Actuals         Previous Yr     Target




Description                                                             Measure Data
Based on industry                             Month               Actual          Target         Previous Yr.
competitiveness, on approval                    Jan                                 1.00
the product planning groups                     Feb                                 1.00
set target dates that represent                 Mar                 0.40            1.00
that the product is approved                    Apr                                 1.00
and the first application is                    May                                 1.00
ready to administer.                            Jun                                 1.00
Calculation: Percentage of                       Jul                0.90            1.00
products that meet their target                 Aug                                 1.00
date. Measured quarterly, YTD                   Sep                                 1.00
Average.quarterly, YTD                          Oct                                 1.00
Average.                                        Nov                                 1.00
                                                Dec                                 1.00
 Measure Detail
ompleted (YTD)
              July-01




      Nov    Dec




               Index
            #VALUE!
            #VALUE!
                 40
            #VALUE!
            #VALUE!
            #VALUE!
                 90
            #VALUE!
            #VALUE!
            #VALUE!
            #VALUE!
            #VALUE!
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                                                                                           Measure Detail
New Product Acceptance                           -                                New Product Acceptance
Target                                          1.00                                                                       December-01



                                                        Twelve Months

   120.0%
   100.0%
    80.0%
    60.0%
    40.0%
    20.0%
     0.0%
               Jan        Feb       Mar   Apr        May         Jun        Jul      Aug        Sep       Oct        Nov


                                                       Actuals         Previous Yr     Target




Description                                                                Measure Data
Overall acceptance is based on sales.       Month                  Actual              Target         Previous Yr.
The New Product Acceptance                    Jan                   0.0%              100.0%                 0.0%
measure is an overall indicator of
product acceptance. Successful
                                              Feb                   0.0%              100.0%                 0.0%
acceptance by the market is                   Mar                   0.0%              100.0%                 0.0%
determined by whether or not a                Apr                   0.0%              100.0%                 0.0%
product meets its revenue projection          May                   0.0%              100.0%                 0.0%
within 18 months of introduction.
                                              Jun                   0.0%              100.0%                 0.0%
Calculation: Percentage of products
that met their revenue goal (break-            Jul                  0.0%              100.0%                 0.0%
even). Measured annually, based upon          Aug                   0.0%              100.0%                 0.0%
projections in the product plan, YTD.         Sep                   0.0%              100.0%                 0.0%
                                              Oct                   0.0%              100.0%                 0.0%
                                              Nov                   0.0%              100.0%                 0.0%
                                              Dec                   0.0%              100.0%                 0.0%
 Measure Detail
uct Acceptance
            December-01




      Nov       Dec




                  Index
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                                                       Measure Detail
                             On-Time Completion within Budget & Spec
On-Time Completion within Budget & Spec

Target                                         1.00                                                                September-01



                                                        Twelve Months

    1.2
    1.0
    0.8
    0.6
    0.4
    0.2
     -
             Jan        Feb        Mar   Apr      May         Jun         Jul      Aug        Sep      Oct     Nov


                                                    Actuals          Previous Yr     Target




Description                                                               Measure Data
Project success requires balancing             Month                Actual           Target         Previous Yr.
time, cost, and objectives. Upon                 Jan                                   1.0
completion, each major corporate
project will be evaluated as to its
                                                 Feb                                   1.0
success balancing these factors.                 Mar                                   1.0
Calculation: The total average ‘score’           Apr                                   1.0
of major corporate projects out of 100           May                                   1.0
total points. 25 points each for time,
                                                 Jun                                   1.0
cost, scope and expectations. The
projects to be measured by key                    Jul                                  1.0
stakeholders include: Demutualization,           Aug                                   1.0
Class Action Settlement, Integration,            Sep                                   1.0
MEC, Agency Extranet, LifePro 1.9,               Oct                                   1.0
Imaging, Variable & Privacy.
                                                 Nov                                   1.0
                                                 Dec                                   1.0
Measure Detail
Budget & Spec
       September-01




     Nov    Dec




              Index
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                                                                                                Measure Detail
                                           -
Target                                     -                                                                    June-01



                                                     Twelve Months

  1.00
  0.90
  0.80
  0.70
  0.60
  0.50
  0.40
  0.30
  0.20
  0.10
  0.00
          Jan     Feb        Mar    Apr        May        Jun        Jul      Aug        Sep      Oct     Nov


                                                Actuals         Previous Yr     Target




Description                                                           Measure Data
Description of the measure                Month                 Actual          Target         Previous Yr.
here.                                       Jan                   0.00            0.00                0.00
                                            Feb                   0.00            0.00                0.00
                                            Mar                   0.00            0.00                0.00
                                            Apr                   0.00            0.00                0.00
                                            May                   0.00            0.00                0.00
                                            Jun                   0.00            0.00                0.00
                                             Jul                  0.00            0.00                0.00
                                            Aug                   0.00            0.00                0.00
                                            Sep                   0.00            0.00                0.00
                                            Oct                   0.00            0.00                0.00
                                            Nov                   0.00            0.00                0.00
                                            Dec                   0.00            0.00                0.00
Measure Detail

           June-01




     Nov   Dec




             Index
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                                                                                                Measure Detail
                                           -
Target                                     -                                                                    June-01



                                                     Twelve Months

  1.00
  0.90
  0.80
  0.70
  0.60
  0.50
  0.40
  0.30
  0.20
  0.10
  0.00
          Jan     Feb        Mar    Apr        May        Jun        Jul      Aug        Sep      Oct     Nov


                                                Actuals         Previous Yr     Target




Description                                                           Measure Data
Description of the measure                Month                 Actual          Target         Previous Yr.
here.                                       Jan                   0.00            0.00                0.00
                                            Feb                   0.00            0.00                0.00
                                            Mar                   0.00            0.00                0.00
                                            Apr                   0.00            0.00                0.00
                                            May                   0.00            0.00                0.00
                                            Jun                   0.00            0.00                0.00
                                             Jul                  0.00            0.00                0.00
                                            Aug                   0.00            0.00                0.00
                                            Sep                   0.00            0.00                0.00
                                            Oct                   0.00            0.00                0.00
                                            Nov                   0.00            0.00                0.00
                                            Dec                   0.00            0.00                0.00
Measure Detail

           June-01




     Nov   Dec




             Index
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                                                                                                Measure Detail
                                           -
Target                                     -                                                                    June-01



                                                     Twelve Months

  1.00
  0.90
  0.80
  0.70
  0.60
  0.50
  0.40
  0.30
  0.20
  0.10
  0.00
          Jan     Feb        Mar    Apr        May        Jun        Jul      Aug        Sep      Oct     Nov


                                                Actuals         Previous Yr     Target




Description                                                           Measure Data
Description of the measure                Month                 Actual          Target         Previous Yr.
here.                                       Jan                   0.00            0.00                0.00
                                            Feb                   0.00            0.00                0.00
                                            Mar                   0.00            0.00                0.00
                                            Apr                   0.00            0.00                0.00
                                            May                   0.00            0.00                0.00
                                            Jun                   0.00            0.00                0.00
                                             Jul                  0.00            0.00                0.00
                                            Aug                   0.00            0.00                0.00
                                            Sep                   0.00            0.00                0.00
                                            Oct                   0.00            0.00                0.00
                                            Nov                   0.00            0.00                0.00
                                            Dec                   0.00            0.00                0.00
Measure Detail

           June-01




     Nov   Dec




             Index
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                                                                                                Measure Detail
                                           -
Target                                     -                                                                    June-01



                                                     Twelve Months

  1.00
  0.90
  0.80
  0.70
  0.60
  0.50
  0.40
  0.30
  0.20
  0.10
  0.00
          Jan     Feb        Mar    Apr        May        Jun        Jul      Aug        Sep      Oct     Nov


                                                Actuals         Previous Yr     Target




Description                                                           Measure Data
Description of the measure                Month                 Actual          Target         Previous Yr.
here.                                       Jan                   0.00            0.00                0.00
                                            Feb                   0.00            0.00                0.00
                                            Mar                   0.00            0.00                0.00
                                            Apr                   0.00            0.00                0.00
                                            May                   0.00            0.00                0.00
                                            Jun                   0.00            0.00                0.00
                                             Jul                  0.00            0.00                0.00
                                            Aug                   0.00            0.00                0.00
                                            Sep                   0.00            0.00                0.00
                                            Oct                   0.00            0.00                0.00
                                            Nov                   0.00            0.00                0.00
                                            Dec                   0.00            0.00                0.00
Measure Detail

           June-01




     Nov   Dec




             Index
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                                                                               Measure Detail
Personal Development Plans                  -                     Personal Development Plans
Target                                     1.00                                                                  October-01



                                                      Twelve Months

  1.20
  1.00
  0.80
  0.60
  0.40
  0.20
  0.00
           Jan       Feb       Mar   Apr        May        Jun        Jul      Aug        Sep      Oct     Nov


                                                 Actuals         Previous Yr     Target




Description                                                            Measure Data
Continued personal development             Month                 Actual          Target         Previous Yr.
is a key to continued company                Jan                   0.00            1.00                0.00
success. Personal development is             Feb                   0.00            1.00                0.00
an important topic to be discussed           Mar                   0.00            1.00                0.00
with managers at least once a
                                             Apr                   0.00            1.00                0.00
year.
                                             May                   0.00            1.00                0.00
Calculation: % of employees with             Jun                   0.00            1.00                0.00
a personal development plan that              Jul                  0.00            1.00                0.00
has been revised during the                  Aug                   0.00            1.00                0.00
annual review process. Measured              Sep                   0.00            1.00                0.00
annually from the employee                   Oct                   0.00            1.00                0.00
survey in the 3rd quarter.                   Nov                   0.00            1.00                0.00
                                             Dec                   0.00            1.00                0.00
 Measure Detail
elopment Plans
            October-01




      Nov     Dec




                Index
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                                                                                           Measure Detail
Succession Plans                           -                                             Succession Plans
Target                                     -                                                                    June-01



                                                     Twelve Months

  1.00
  0.90
  0.80
  0.70
  0.60
  0.50
  0.40
  0.30
  0.20
  0.10
  0.00
          Jan      Feb      Mar     Apr        May        Jun        Jul      Aug        Sep      Oct     Nov


                                                Actuals         Previous Yr     Target




Description                                                           Measure Data
An organization needs to be               Month                 Actual          Target         Previous Yr.
prepared to have trained                    Jan                   0.00            0.00                0.00
individuals ready to move into              Feb                   0.00            0.00                0.00
leadership roles. By developing             Mar                   0.00            0.00                0.00
leadership, the organization is             Apr                   0.00            0.00                0.00
preparing for the future.                   May                   0.00            0.00                0.00
                                            Jun                   0.00            0.00                0.00
Calculation: TBD                             Jul                  0.00            0.00                0.00
                                            Aug                   0.00            0.00                0.00
                                            Sep                   0.00            0.00                0.00
                                            Oct                   0.00            0.00                0.00
                                            Nov                   0.00            0.00                0.00
                                            Dec                   0.00            TBD                 0.00
Measure Detail
ccession Plans
           June-01




     Nov   Dec




             Index
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                                                                                    Measure Detail
Employee Satisfaction                      -                                  Employee Satisfaction
Target                                    0.80                                                                  October-01



                                                     Twelve Months

  0.90
  0.80
  0.70
  0.60
  0.50
  0.40
  0.30
  0.20
  0.10
  0.00
          Jan      Feb      Mar     Apr        May        Jun        Jul      Aug        Sep      Oct     Nov


                                                Actuals         Previous Yr     Target




Description                                                           Measure Data
As employees are satisfied                Month                 Actual          Target         Previous Yr.
they are more productive.                   Jan                   0.00            0.80                0.00
Employee satisfaction is a key              Feb                   0.00            0.80                0.00
enabler to company                          Mar                   0.00            0.80                0.00
performance.                                Apr                   0.00            0.80                0.00
                                            May                   0.00            0.80                0.00
Calculation: % of employees                 Jun                   0.00            0.80                0.00
who are “satisfied” or “very                 Jul                  0.00            0.80                0.00
satisfied” with the company,                Aug                   0.00            0.80                0.00
surveyed in the 3rd quarter.                Sep                   0.00            0.80                0.00
                                            Oct                   0.00            0.80                0.00
                                            Nov                   0.00            0.80                0.00
                                            Dec                   0.00            0.80                0.00
 Measure Detail
yee Satisfaction
             October-01




       Nov     Dec




                 Index
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                                                                                     Measure Detail
Employee Turnover                          10%                                    Employee Turnover
Target                                10-15%                                                                  June-01



                                                   Twelve Months

  0.14
  0.12
  0.10
  0.08
  0.06
  0.04
  0.02
  0.00
           Jan      Feb      Mar    Apr      May        Jun        Jul      Aug        Sep      Oct     Nov


                                              Actuals         Previous Yr     Target




Description                                                         Measure Data
Turnover can indicate a                   Month               Actual           Target        Previous Yr.
several factors, including                  Jan                 0.00          10-15%                0.00
effective recruiting, competent             Feb                 0.00          10-15%                0.00
management, a conducive                     Mar                 0.12          10-15%                0.00
work environment, and                       Apr                 0.00          10-15%                0.00
personal development                        May                 0.00          10-15%                0.00
opportunities.                              Jun                 0.10          10-15%                0.00
                                             Jul                0.00          10-15%                0.00
Calculation: Total % turnover               Aug                 0.00          10-15%                0.00
of Indianapolis Life and                    Sep                 0.00          10-15%                0.00
Bankers Life of New York                    Oct                 0.00          10-15%                0.00
employees. Measured                         Nov                 0.00          10-15%                0.00
quarterly.                                  Dec                 0.00          10-15%                0.11
Measure Detail
loyee Turnover
           June-01




     Nov   Dec




             Index


           #VALUE!


           #VALUE!
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                                               Measure Detail
       Deployment Deployment of Systems within Budget & Spec
On-TimeOn-Time of Systems within Budget & Spec
Target                                   $         1.00                                                                March-01



                                                            Twelve Months

   1.20
   1.00
   0.80
   0.60
   0.40
   0.20
   0.00
             Jan        Feb        Mar       Apr      May        Jun        Jul      Aug        Sep      Oct     Nov


                                                       Actuals         Previous Yr     Target




Description                                                                  Measure Data
Technological capability is one of the             Month               Actual          Target         Previous Yr.
key enablers for the company and the                 Jan                                 1.00                0.00
employees. As with all projects,
success requires balancing time, cost,
                                                     Feb                                 1.00                0.00
and objectives. Upon completion, each                Mar                                 1.00                0.00
IT project will be evaluated as to its               Apr                                 1.00                0.00
success balancing these factors.                     May                                 1.00                0.00
                                                     Jun                                 1.00                0.00
Calculation: The total average ‘score’
of major IT projects out of 100 total                 Jul                                1.00                0.00
points. 25 points each for time, cost,               Aug                                 1.00                0.00
scope and expectations. The projects                 Sep                                 1.00                0.00
will be measured by key stakeholders.                Oct                                 1.00                0.00
                                                     Nov                                 1.00                0.00
                                                     Dec                                 1.00                0.00
Measure Detail
Budget & Spec
           March-01




     Nov    Dec




              Index
           #VALUE!
           #VALUE!
           #VALUE!
           #VALUE!
           #VALUE!
           #VALUE!
           #VALUE!
           #VALUE!
           #VALUE!
           #VALUE!
           #VALUE!
           #VALUE!
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                                                                               Measure Detail
Performance-Based Culture                  -                        Performance-Based Culture
Target                                    1.00                                                                  June-01



                                                     Twelve Months

  1.20
  1.00
  0.80
  0.60
  0.40
  0.20
  0.00
          Jan     Feb        Mar    Apr        May        Jun        Jul      Aug        Sep      Oct     Nov


                                                Actuals         Previous Yr     Target




Description                                                           Measure Data
Description of the measure                Month                 Actual          Target         Previous Yr.
here.                                       Jan                   0.00            1.00                0.00
                                            Feb                   0.00            1.00                0.00
                                            Mar                   0.00            1.00                0.00
                                            Apr                   0.00            1.00                0.00
                                            May                   0.00            1.00                0.00
                                            Jun                   0.00            1.00                0.00
                                             Jul                  0.00            1.00                0.00
                                            Aug                   0.00            1.00                0.00
                                            Sep                   0.00            1.00                0.00
                                            Oct                   0.00            1.00                0.00
                                            Nov                   0.00            1.00                0.00
                                            Dec                   0.00            1.00                0.00
Measure Detail
-Based Culture
           June-01




     Nov   Dec




             Index
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                                                                                                Measure Detail
                                           -
Target                                     -                                                                    June-01



                                                     Twelve Months

  1.00
  0.90
  0.80
  0.70
  0.60
  0.50
  0.40
  0.30
  0.20
  0.10
  0.00
          Jan     Feb        Mar    Apr        May        Jun        Jul      Aug        Sep      Oct     Nov


                                                Actuals         Previous Yr     Target




Description                                                           Measure Data
Description of the measure                Month                 Actual          Target         Previous Yr.
here.                                       Jan                   0.00            0.00                0.00
                                            Feb                   0.00            0.00                0.00
                                            Mar                   0.00            0.00                0.00
                                            Apr                   0.00            0.00                0.00
                                            May                   0.00            0.00                0.00
                                            Jun                   0.00            0.00                0.00
                                             Jul                  0.00            0.00                0.00
                                            Aug                   0.00            0.00                0.00
                                            Sep                   0.00            0.00                0.00
                                            Oct                   0.00            0.00                0.00
                                            Nov                   0.00            0.00                0.00
                                            Dec                   0.00            0.00                0.00
Measure Detail

           June-01




     Nov   Dec




             Index
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                                                                                                Measure Detail
                                           -
Target                                     -                                                                    June-01



                                                     Twelve Months

  1.00
  0.90
  0.80
  0.70
  0.60
  0.50
  0.40
  0.30
  0.20
  0.10
  0.00
          Jan     Feb        Mar    Apr        May        Jun        Jul      Aug        Sep      Oct     Nov


                                                Actuals         Previous Yr     Target




Description                                                           Measure Data
Description of the measure                Month                 Actual          Target         Previous Yr.
here.                                       Jan                   0.00            0.00                0.00
                                            Feb                   0.00            0.00                0.00
                                            Mar                   0.00            0.00                0.00
                                            Apr                   0.00            0.00                0.00
                                            May                   0.00            0.00                0.00
                                            Jun                   0.00            0.00                0.00
                                             Jul                  0.00            0.00                0.00
                                            Aug                   0.00            0.00                0.00
                                            Sep                   0.00            0.00                0.00
                                            Oct                   0.00            0.00                0.00
                                            Nov                   0.00            0.00                0.00
                                            Dec                   0.00            0.00                0.00
Measure Detail

           June-01




     Nov   Dec




             Index
                                                               2001 Balanced Scorecard Sales Report
                                                                             January
Revised August 21, 2001                                                                                                                                                                 Completed by Jim Madsen for Gary Ryan


Channels                                                                 Life Products                                                                                             Annuities
                                                                                                                                                         Annuities (at 10%)

                                                   AmerUs                                       Total Actual Total Planned         % of                  Fixed         Variable     Total Actual Total Planned     % of
                                       UL          UL & WL        Whole Life        Term            Life          Life             Goal     Mix         Annuities      Annuities     Annuities     Annuities       Goal     Mix


Legacy                                 $73,064               $0             $0             $0        $73,064        $414,050       17.6%     2.1%         $343,700             $0         $343,700    $1,414,000   24.3%    33.9%
Strategic Alliance
      Western Security                       $0              $0             $0        $10,000        $10,000         $50,960       19.6%     0.3%               $0             $0               $0           $0     0.0%     0.0%
      Bankers                            $1,511              $0             $0             $0          $1,511        $12,740       11.9%     0.0%               $0             $0               $0           $0     0.0%     0.0%
        ILICo                          $25,025               $0      $185,404         $49,000       $259,429        $331,240       78.3%     7.4%               $0             $0               $0           $0     0.0%     0.0%
Financial Institutions                 $13,915               $0         $1,477             $0        $15,392         $31,850       48.3%     0.4%               $0             $0               $0           $0     0.0%     0.0%
ILICo GA's                            $516,599               $0      $286,408        $105,998       $909,005      $1,051,050       86.5%    25.9%          $42,900             $0          $42,900      $77,770    55.2%     4.2%
IMO's                                 $201,207               $0    $1,377,172         $12,075     $1,590,454        $923,650       172.2%   45.4%               $0             $0               $0           $0     0.0%     0.0%
NY GA's                               $463,021               $0       $24,214        $159,845       $647,080        $592,410       109.2%   18.5%         $243,033             $0         $243,033     $194,425    125.0%   23.9%
Variable Broker-Dealer                       $0              $0             $0             $0              $0             $0        0.0%     0.0%               $0       $385,200         $385,200     $862,540    44.7%    38.0%
Product Actual Sales                $1,294,342               $0    $1,874,675        $336,918     $3,505,935      $3,407,950       102.9%                 $629,633       $385,200       $1,014,833    $2,548,735   39.8%

Product Planned Sales               $1,465,100         $63,700     $1,274,000        $605,150     $3,407,950                                            $1,668,520       $880,215       $2,548,735
% of Goal                                88.3%            0.0%         147.1%           55.7%         102.9%                                                 37.7%          43.8%           39.8%
Mix                                      36.9%            0.0%          53.5%            9.6%         100.0%                                                 62.0%          38.0%          100.0%



Monthly Sales Report Sales          $ 1,314,000 $           -    $ 1,858,000 $       337,000 $ 3,509,000                                            $      629,600 $      385,200   $     1,014,800
Variance from MS Report                     -1.5%          0.0%          0.9%            0.0%            -0.1%                                                0.0%           0.0%            0.0%
* Variance due to reporting differences between Bankers Life UL and WL. The total amount of premium for Bankers Life is correct.
Differences exist due to different philosophies between BNLY and Financial Reporting on Interest Sensitive Whole Life results.
                                                               2001 Balanced Scorecard Sales Report
                                                                             February
Revised August 21, 2001                                                                                                                                                                 Completed by Jim Madsen for Gary Ryan


Channels                                                                 Life Products                                                                                             Annuities
                                                                                                                                                         Annuities (at 10%)

                                                   AmerUs                                       Total Actual Total Planned         % of                  Fixed         Variable     Total Actual Total Planned     % of
                                       UL          UL & WL        Whole Life        Term            Life          Life             Goal     Mix         Annuities      Annuities     Annuities     Annuities       Goal    Mix


Legacy                                $145,238               $0             $0             $0       $145,238        $468,650       31.0%     3.0%         $541,600             $0         $541,600    $1,534,000   35.3%   49.6%
Strategic Alliance
      Western Security                       $0              $0             $0        $18,000        $18,000         $57,680       31.2%     0.4%               $0             $0               $0           $0     0.0%    0.0%
      Bankers                            $1,091              $0             $0             $0          $1,091        $14,420        7.6%     0.0%               $0             $0               $0           $0     0.0%    0.0%
        ILICo                          $49,200               $0       $83,367         $66,000       $198,567        $374,920       53.0%     4.1%               $0             $0               $0           $0     0.0%    0.0%
Financial Institutions                 $10,063               $0          $691              $0        $10,754         $36,050       29.8%     0.2%               $0             $0               $0           $0     0.0%    0.0%
ILICo GA's                            $384,005               $0      $826,332         $98,976     $1,309,313      $1,189,650       110.1%   26.9%          $29,800             $0          $29,800      $84,370    35.3%    2.7%
IMO's                                 $320,197               $0    $1,846,883         $14,132     $2,181,212      $1,045,450       208.6%   44.9%               $0             $0               $0           $0     0.0%    0.0%
NY GA's                               $846,657               $0         $8,457       $142,118       $997,232        $670,530       148.7%   20.5%         $171,412             $0         $171,412     $210,925    81.3%   15.7%
Variable Broker-Dealer                       $0              $0             $0             $0              $0             $0        0.0%     0.0%               $0       $348,500         $348,500     $935,740    37.2%   31.9%
Product Actual Sales                $1,756,451               $0    $2,765,730        $339,226     $4,861,407      $3,857,350       126.0%                 $742,812       $348,500       $1,091,312    $2,765,035   39.5%

Product Planned Sales               $1,658,300         $72,100     $1,442,000        $684,950     $3,857,350                                            $1,810,120       $954,915       $2,765,035
% of Goal                               105.9%            0.0%         191.8%           49.5%         126.0%                                                 41.0%          36.5%           39.5%
Mix                                      36.1%            0.0%          56.9%            7.0%         100.0%                                                 68.1%          31.9%          100.0%



Monthly Sales Report Sales          $ 1,758,000 $           -    $ 2,774,000 $       340,000 $ 4,872,000                                            $      742,800 $      348,500   $     1,091,300
Variance from MS Report                     -0.1%          0.0%          -0.3%           -0.2%           -0.2%                                                0.0%           0.0%            0.0%
* Variance due to reporting differences between Bankers Life UL and WL. The total amount of premium for Bankers Life is correct.
Differences exist due to different philosophies between BNLY and Financial Reporting on Interest Sensitive Whole Life results.
                                                               2001 Balanced Scorecard Sales Report
                                                                              March
Revised October 10, 2001                                                                                                                                                             Completed by Jim Madsen for Gary Ryan


Channels                                                                 Life Products                                                                                          Annuities
                                                                                                                                                      Annuities (at 10%)

                                                   AmerUs                                       Total Actual Total Planned         % of               Fixed         Variable     Total Actual Total Planned     % of
                                       UL          UL & WL        Whole Life        Term            Life          Life             Goal     Mix      Annuities      Annuities     Annuities     Annuities       Goal    Mix


Legacy                                $141,341               $0             $0             $0       $141,341        $635,700       22.2%     2.7%     $1,221,900            $0       $1,221,900    $1,796,000   68.0%   67.8%
Strategic Alliance
      Western Security                       $0              $0             $0        $87,000        $87,000         $78,240       111.2%    1.6%            $0             $0               $0           $0     0.0%    0.0%
      Bankers                            $7,841              $0             $0             $0          $7,841        $19,560       40.1%     0.1%            $0             $0               $0           $0     0.0%    0.0%
        ILICo                          $17,783               $0      $106,765         $66,000       $190,548        $508,560       37.5%     3.6%            $0             $0               $0           $0     0.0%    0.0%
Financial Institutions                 $14,012               $0             $0             $0        $14,012         $48,900       28.7%     0.3%            $0             $0               $0           $0     0.0%    0.0%
ILICo GA's                            $397,004          $2,810       $254,555        $143,301       $797,670      $1,613,700       49.4%    15.1%       $27,900             $0          $27,900      $98,780    28.2%    1.5%
IMO's                                 $171,481               $0    $2,831,322         $27,397     $3,030,200      $1,418,100       213.7%   57.4%            $0             $0               $0           $0     0.0%    0.0%
NY GA's                               $829,841               $0       $26,515        $155,543     $1,011,899        $909,540       111.3%   19.2%      $237,619             $0         $237,619     $246,950    96.2%   13.2%
Variable Broker-Dealer                       $0              $0             $0             $0              $0             $0        0.0%     0.0%            $0       $314,600         $314,600    $1,095,560   28.7%   17.5%
Product Actual Sales                $1,579,303          $2,810     $3,219,157        $479,241     $5,280,511      $5,232,300       100.9%             $1,487,419      $314,600       $1,802,019    $3,237,290   55.7%

Product Planned Sales               $2,249,400         $97,800     $1,956,000        $929,100     $5,232,300                                          $2,119,280    $1,118,010       $3,237,290
% of Goal                                70.2%            2.9%         164.6%           51.6%         100.9%                                              70.2%          28.1%           55.7%
Mix                                      29.9%            0.1%          61.0%            9.1%         100.0%                                              82.5%          17.5%          100.0%



Monthly Sales Report Sales          $ 1,592,000 $           -    $ 3,196,000 $       480,000 $ 5,268,000                                            $ 1,487,400 $      314,600   $     1,802,000
Variance from MS Report                     -0.8%          0.0%          0.7%            -0.2%            0.2%                                             0.0%           0.0%            0.0%
* Variance due to reporting differences between Bankers Life UL and WL. The total amount of premium for Bankers Life is correct.
Differences exist due to different philosophies between BNLY and Financial Reporting on Interest Sensitive Whole Life results.
                                                               2001 Balanced Scorecard Sales Report
                                                                              April
Revised October 10, 2001                                                                                                                                                             Completed by Jim Madsen for Gary Ryan


Channels                                                                 Life Products                                                                                          Annuities
                                                                                                                                                      Annuities (at 10%)

                                                   AmerUs                                       Total Actual Total Planned         % of               Fixed         Variable     Total Actual Total Planned     % of
                                       UL          UL & WL        Whole Life        Term            Life          Life             Goal     Mix      Annuities      Annuities     Annuities     Annuities       Goal    Mix


Legacy                                   $2,111              $0             $0             $0          $2,111       $533,000        0.4%     0.0%     $2,003,500            $0       $2,003,500    $2,038,000   98.3%   75.4%
Strategic Alliance
      Western Security                       $0              $0             $0       $201,000       $201,000         $65,600       306.4%    4.0%            $0             $0               $0           $0     0.0%    0.0%
      Bankers                            $4,600              $0             $0             $0          $4,600        $16,400       28.0%     0.1%            $0             $0               $0           $0     0.0%    0.0%
        ILICo                          $34,286               $0       $89,152         $42,000       $165,438        $426,400       38.8%     3.3%            $0             $0               $0           $0     0.0%    0.0%
Financial Institutions                 $16,314               $0             $0             $0        $16,314         $41,000       39.8%     0.3%            $0             $0               $0           $0     0.0%    0.0%
ILICo GA's                            $371,388          $3,261       $899,120         $71,056     $1,344,825      $1,353,000       99.4%    26.7%       $33,826             $0          $33,826     $112,090    30.2%    1.3%
IMO's                                 $252,414               $0    $2,072,361         $18,628     $2,343,403      $1,189,000       197.1%   46.5%          $574             $0            $574            $0     0.0%    0.0%
NY GA's                               $780,644               $0       $11,167        $173,498       $965,309        $762,600       126.6%   19.1%      $225,854             $0         $225,854     $280,225    80.6%    8.5%
Variable Broker-Dealer                       $0              $0             $0             $0              $0             $0        0.0%     0.0%            $0       $393,900         $393,900    $1,243,180   31.7%   14.8%
Product Actual Sales                $1,461,757          $3,261     $3,071,800        $506,182     $5,043,000      $4,387,000       115.0%             $2,263,754      $393,900       $2,657,654    $3,673,495   72.3%

Product Planned Sales               $1,886,000         $82,000     $1,640,000        $779,000     $4,387,000                                          $2,404,840    $1,268,655       $3,673,495
% of Goal                                77.5%            4.0%         187.3%           65.0%         115.0%                                              94.1%          31.0%           72.3%
Mix                                      29.0%            0.1%          60.9%           10.0%         100.0%                                              85.2%          14.8%          100.0%



Monthly Sales Report Sales          $ 1,464,000 $         3,000 $ 3,069,000 $        507,000 $ 5,043,000                                            $ 2,263,800 $      393,900   $     2,657,700
Variance from MS Report                     -0.2%          8.7%          0.1%            -0.2%            0.0%                                             0.0%           0.0%            0.0%
* Variance due to reporting differences between Bankers Life UL and WL. The total amount of premium for Bankers Life is correct.
Differences exist due to different philosophies between BNLY and Financial Reporting on Interest Sensitive Whole Life results.
                                                               2001 Balanced Scorecard Sales Report
                                                                               May
Revised October 10, 2001                                                                                                                                                             Completed by Jim Madsen for Gary Ryan


Channels                                                                 Life Products                                                                                          Annuities
                                                                                                                                                      Annuities (at 10%)

                                                   AmerUs                                       Total Actual Total Planned         % of               Fixed         Variable     Total Actual Total Planned     % of
                                       UL          UL & WL        Whole Life        Term            Life          Life             Goal     Mix      Annuities      Annuities     Annuities     Annuities       Goal     Mix


Legacy                                 $71,817               $0             $0             $0        $71,817        $455,000       15.8%     1.5%     $2,647,500            $0       $2,647,500    $1,796,000   147.4%   83.0%
Strategic Alliance
      Western Security                       $0              $0             $0       $336,000       $336,000         $56,000       600.0%    6.8%            $0             $0               $0           $0     0.0%     0.0%
      Bankers                            $1,670              $0             $0             $0          $1,670        $14,000       11.9%     0.0%            $0             $0               $0           $0     0.0%     0.0%
        ILICo                            $7,468              $0      $205,808         $44,000       $257,276        $364,000       70.7%     5.2%            $0             $0               $0           $0     0.0%     0.0%
Financial Institutions                 $18,814               $0             $0             $0        $18,814         $35,000       53.8%     0.4%            $0             $0               $0           $0     0.0%     0.0%
ILICo GA's                            $565,364         $12,004       $404,273        $114,833     $1,096,474      $1,155,000       94.9%    22.3%       $20,700             $0          $20,700      $98,780    21.0%     0.6%
IMO's                                 $483,834               $0    $1,688,325         $40,065     $2,212,224      $1,015,000       218.0%   45.0%            $0             $0               $0           $0     0.0%     0.0%
NY GA's                               $698,383               $0         $9,183       $214,165       $921,731        $651,000       141.6%   18.7%      $113,961             $0         $113,961     $246,950    46.1%     3.6%
Variable Broker-Dealer                       $0              $0             $0             $0              $0             $0        0.0%     0.0%            $0       $407,800         $407,800    $1,095,560   37.2%    12.8%
Product Actual Sales                $1,847,350         $12,004     $2,307,589        $749,063     $4,916,006      $3,745,000       131.3%             $2,782,161      $407,800       $3,189,961    $3,237,290   98.5%

Product Planned Sales               $1,610,000         $70,000     $1,400,000        $665,000     $3,745,000                                          $2,119,280    $1,118,010       $3,237,290
% of Goal                               114.7%           17.1%         164.8%         112.6%          131.3%                                             131.3%          36.5%           98.5%
Mix                                      37.6%            0.2%          46.9%           15.2%         100.0%                                              87.2%          12.8%          100.0%



Monthly Sales Report Sales          $ 1,853,000 $        12,000 $ 2,306,000 $        751,000 $ 4,922,000                                            $ 2,782,200 $      407,800   $     3,190,000
Variance from MS Report                     -0.3%          0.0%          0.1%            -0.3%           -0.1%                                             0.0%           0.0%            0.0%
* Variance due to reporting differences between Bankers Life UL and WL. The total amount of premium for Bankers Life is correct.
Differences exist due to different philosophies between BNLY and Financial Reporting on Interest Sensitive Whole Life results.
                                                               2001 Balanced Scorecard Sales Report
                                                                              June
Revised October 10, 2001                                                                                                                                                             Completed by Jim Madsen for Gary Ryan


Channels                                                                 Life Products                                                                                          Annuities
                                                                                                                                                      Annuities (at 10%)

                                                   AmerUs                                       Total Actual Total Planned         % of               Fixed         Variable     Total Actual Total Planned     % of
                                       UL          UL & WL        Whole Life        Term            Life          Life             Goal     Mix      Annuities      Annuities     Annuities     Annuities       Goal    Mix


Legacy                                $121,243               $0             $0             $0       $121,243        $573,300       21.1%     2.9%     $1,157,800            $0       $1,157,800    $1,822,000   63.5%   70.8%
Strategic Alliance
      Western Security                       $0              $0             $0       $434,000       $434,000         $70,560       615.1%   10.5%            $0             $0               $0           $0     0.0%    0.0%
      Bankers                          $12,607               $0             $0             $0        $12,607         $17,640       71.5%     0.3%            $0             $0               $0           $0     0.0%    0.0%
        ILICo                          $24,061               $0             $0        $24,000        $48,061        $458,640       10.5%     1.2%            $0             $0               $0           $0     0.0%    0.0%
Financial Institutions                 $13,633               $0          $648              $0        $14,281         $44,100       32.4%     0.3%        $4,500             $0           $4,500           $0     0.0%    0.3%
ILICo GA's                            $800,522         $27,757       $483,165        $155,834     $1,467,278      $1,455,300       100.8%   35.4%       $54,000             $0          $54,000     $100,210    53.9%    3.3%
IMO's                                 $110,371         $14,998     $1,087,957         $12,530     $1,225,856      $1,278,900       95.9%    29.6%            $0             $0               $0           $0     0.0%    0.0%
NY GA's                               $534,371               $0         $8,564       $273,356       $816,291        $820,260       99.5%    19.7%      $169,418             $0         $169,418     $250,525    67.6%   10.4%
Variable Broker-Dealer                       $0              $0             $0             $0              $0             $0        0.0%     0.0%            $0       $248,700         $248,700    $1,111,420   22.4%   15.2%
Product Actual Sales                $1,616,808         $42,755     $1,580,334        $899,720     $4,139,617      $4,718,700       87.7%              $1,385,718      $248,700       $1,634,418    $3,284,155   49.8%

Product Planned Sales               $2,028,600         $88,200     $1,764,000        $837,900     $4,718,700                                          $2,149,960    $1,134,195       $3,284,155
% of Goal                                79.7%           48.5%          89.6%         107.4%           87.7%                                              64.5%          21.9%           49.8%
Mix                                      39.1%            1.0%          38.2%           21.7%         100.0%                                              84.8%          15.2%          100.0%



Monthly Sales Report Sales          $ 1,620,000 $        19,000 $ 1,571,000 $        899,000 $ 4,109,000                                            $ 1,385,700 $      248,700   $     1,634,400
Variance from MS Report                     -0.2%        125.0%          0.6%            0.1%             0.7%                                             0.0%           0.0%            0.0%
* Variance due to reporting differences between Bankers Life UL and WL. The total amount of premium for Bankers Life is correct.
Differences exist due to different philosophies between BNLY and Financial Reporting on Interest Sensitive Whole Life results.
                                                               2001 Balanced Scorecard Sales Report
                                                                               July
Revised October 10, 2001                                                                                                                                                             Completed by Jim Madsen for Gary Ryan


Channels                                                                 Life Products                                                                                          Annuities
                                                                                                                                                      Annuities (at 10%)

                                                   AmerUs                                       Total Actual Total Planned         % of               Fixed         Variable     Total Actual Total Planned     % of
                                       UL          UL & WL        Whole Life        Term            Life          Life             Goal     Mix      Annuities      Annuities     Annuities     Annuities       Goal     Mix


Legacy                                 $79,978               $0             $0             $0        $79,978        $531,050       15.1%     1.7%     $1,347,200            $0       $1,347,200    $1,858,000   72.5%    59.8%
Strategic Alliance
      Western Security                       $0              $0             $0       $464,000       $464,000         $65,360       709.9%    9.8%            $0             $0               $0           $0     0.0%     0.0%
      Bankers                            $6,347              $0             $0             $0          $6,347        $16,340       38.8%     0.1%            $0             $0               $0           $0     0.0%     0.0%
        ILICo                            $5,982              $0             $0        $17,000        $22,982        $424,840        5.4%     0.5%            $0             $0               $0           $0     0.0%     0.0%
Financial Institutions                       $0              $0         $1,550             $0          $1,550        $40,850        3.8%     0.0%            $0             $0               $0           $0     0.0%     0.0%
ILICo GA's                          $1,818,101         $20,785       $213,518        $136,448     $2,188,852      $1,307,200       167.4%   46.2%       $50,600             $0          $50,600     $102,190    49.5%     2.2%
IMO's                                 $219,077               $0      $518,330          $8,763       $746,170      $1,143,800       65.2%    15.8%            $0             $0               $0           $0     0.0%     0.0%
NY GA's                               $774,936               $0       $21,952        $429,583     $1,226,471        $759,810       161.4%   25.9%      $377,478             $0         $377,478     $255,475    147.8%   16.7%
Variable Broker-Dealer                       $0              $0             $0             $0              $0             $0        0.0%     0.0%            $0       $478,700         $478,700    $1,133,380   42.2%    21.2%
Product Actual Sales                $2,904,421         $20,785       $755,350      $1,055,794     $4,736,350      $4,455,916       106.3%             $1,775,278      $478,700       $2,253,978    $3,349,045   67.3%

Product Planned Sales               $1,879,100         $81,700     $1,634,000        $776,150     $4,370,950                                          $2,192,440    $1,156,605       $3,349,045
% of Goal                               154.6%           25.4%          46.2%         136.0%          108.4%                                              81.0%          41.4%           67.3%
Mix                                      61.3%            0.4%          15.9%           22.3%         100.0%                                              78.8%          21.2%          100.0%



Monthly Sales Report Sales          $ 2,923,000 $        15,000 $    734,000 $ 1,056,000 $ 4,728,000                                                $ 1,775,300 $      478,700   $     2,254,000
Variance from MS Report                     -0.6%         38.6%          2.9%            0.0%             0.2%                                             0.0%           0.0%            0.0%
* Variance due to reporting differences between Bankers Life UL and WL. The total amount of premium for Bankers Life is correct.
Differences exist due to different philosophies between BNLY and Financial Reporting on Interest Sensitive Whole Life results.
                                                               2001 Balanced Scorecard Sales Report
                                                                             August
Revised October 10, 2001                                                                                                                                                             Completed by Jim Madsen for Gary Ryan


Channels                                                                 Life Products                                                                                          Annuities
                                                                                                                                                      Annuities (at 10%)

                                                   AmerUs                                       Total Actual Total Planned         % of               Fixed         Variable     Total Actual Total Planned     % of
                                       UL          UL & WL        Whole Life        Term            Life          Life             Goal     Mix      Annuities      Annuities     Annuities     Annuities       Goal     Mix


Legacy                                $151,342               $0             $0             $0       $151,342        $508,300       29.8%     3.2%     $1,492,800            $0       $1,492,800    $1,688,000   88.4%    70.3%
Strategic Alliance
      Western Security                       $0              $0             $0       $533,000       $533,000         $62,560       852.0%   11.4%            $0             $0               $0           $0     0.0%     0.0%
      Bankers                            $7,919              $0             $0             $0          $7,919        $15,640       50.6%     0.2%            $0             $0               $0           $0     0.0%     0.0%
        ILICo                          $58,575               $0             $0        $11,000        $69,575        $406,640       17.1%     1.5%            $0             $0               $0           $0     0.0%     0.0%
Financial Institutions                 $20,609               $0          $835          $1,560        $23,004         $39,100       58.8%     0.5%            $0             $0               $0           $0     0.0%     0.0%
ILICo GA's                            $805,735         $28,878       $508,879        $149,262     $1,492,754      $1,290,300       115.7%   32.0%      $121,800             $0         $121,800      $92,840    131.2%    5.7%
IMO's                                 $211,413          $4,276     $1,115,363         $13,790     $1,344,842      $1,133,900       118.6%   28.8%            $0             $0               $0           $0     0.0%     0.0%
NY GA's                               $541,703               $0       $26,304        $478,419     $1,046,426        $727,260       143.9%   22.4%      $120,076             $0         $120,076     $232,100    51.7%     5.7%
Variable Broker-Dealer                       $0              $0             $0             $0              $0             $0        0.0%     0.0%            $0       $387,400         $387,400    $1,029,680   37.6%    18.3%
Product Actual Sales                $1,797,296         $33,154     $1,651,381      $1,187,031     $4,668,862      $4,183,700       111.6%             $1,734,676      $387,400       $2,122,076    $3,042,620   69.7%

Product Planned Sales               $1,798,600         $78,200     $1,564,000        $742,900     $4,183,700                                          $1,991,840    $1,050,780       $3,042,620
% of Goal                                99.9%           42.4%         105.6%         159.8%          111.6%                                              87.1%          36.9%           69.7%
Mix                                      38.5%            0.7%          35.4%           25.4%         100.0%                                              81.7%          18.3%          100.0%



Monthly Sales Report Sales           $ 1,818,000 $       65,000 $ 1,630,000 $ 1,189,000 $ 4,702,000                                                 $ 1,734,700 $      387,400   $     2,122,100
Variance from MS Report                     -1.1%         -49.0%          1.3%           -0.2%            -0.7%                                            0.0%           0.0%            0.0%
* Variance due to reporting differences between Bankers Life UL and WL. The total amount of premium for Bankers Life is correct.
 Differences exist due to different philosophies between BNLY and Financial Reporting on Interest Sensitive Whole Life results.
                                                               2001 Balanced Scorecard Sales Report
                                                                            September
Revised October 10, 2001                                                                                                                                                             Completed by Jim Madsen for Gary Ryan


Channels                                                                 Life Products                                                                                          Annuities
                                                                                                                                                      Annuities (at 10%)

                                                   AmerUs                                       Total Actual Total Planned         % of               Fixed         Variable     Total Actual Total Planned     % of
                                       UL          UL & WL        Whole Life        Term            Life          Life             Goal     Mix      Annuities      Annuities     Annuities     Annuities       Goal    Mix


Legacy                                 $65,773               $0             $0             $0        $65,773        $499,200       13.2%     1.7%     $1,237,700            $0       $1,237,700    $1,540,000   80.4%   71.3%
Strategic Alliance
      Western Security                       $0              $0             $0       $415,000       $415,000         $61,440       675.5%   10.8%            $0             $0               $0           $0     0.0%    0.0%
      Bankers                          $11,304               $0             $0             $0        $11,304         $15,360       73.6%     0.3%            $0             $0               $0           $0     0.0%    0.0%
        ILICo                          $18,946               $0             $0         $7,000        $25,946        $399,360        6.5%     0.7%            $0             $0               $0           $0     0.0%    0.0%
Financial Institutions                 $12,248               $0             $0           $393        $12,641         $38,400       32.9%     0.3%            $0             $0               $0           $0     0.0%    0.0%
ILICo GA's                            $890,252         $72,900       $257,100        $182,453     $1,402,705      $1,267,200       110.7%   36.6%       $38,600             $0          $38,600      $84,700    45.6%    2.2%
IMO's                                 $277,808        $127,144       $528,016         $21,560       $954,528      $1,113,600       85.7%    24.9%            $0             $0               $0           $0     0.0%    0.0%
NY GA's                               $513,371               $0         $9,840       $423,393       $946,604        $714,240       132.5%   24.7%       $82,116             $0          $82,116     $211,750    38.8%    4.7%
Variable Broker-Dealer                       $0              $0             $0             $0              $0             $0        0.0%     0.0%            $0       $376,700         $376,700     $939,400    40.1%   21.7%
Product Actual Sales                $1,789,702        $200,044       $794,956      $1,049,799     $3,834,501      $4,108,800       93.3%              $1,358,416      $376,700       $1,735,116    $2,775,850   62.5%

Product Planned Sales               $1,766,400         $76,800     $1,536,000        $729,600     $4,108,800                                          $1,817,200      $958,650       $2,775,850
% of Goal                               101.3%         260.5%           51.8%         143.9%           93.3%                                              74.8%          39.3%           62.5%
Mix                                      46.7%            5.2%          20.7%           27.4%         100.0%                                              78.3%          21.7%          100.0%



Monthly Sales Report Sales          $ 1,796,000 $       200,000 $    781,000 $ 1,050,000 $ 3,827,000                                                $ 1,358,400 $      376,700   $     1,735,100
Variance from MS Report                     -0.4%          0.0%          1.8%            0.0%             0.2%                                             0.0%           0.0%            0.0%
* Variance due to reporting differences between Bankers Life UL and WL. The total amount of premium for Bankers Life is correct.
Differences exist due to different philosophies between BNLY and Financial Reporting on Interest Sensitive Whole Life results.
                                                               2001 Balanced Scorecard Sales Report
                                                                             October
Revised Nov. 9, 2001                                                                                                                                                                 Completed by Jim Madsen for Gary Ryan


Channels                                                                 Life Products                                                                                          Annuities
                                                                                                                                                      Annuities (at 10%)

                                                   AmerUs                                       Total Actual Total Planned         % of               Fixed         Variable     Total Actual Total Planned     % of
                                       UL          UL & WL        Whole Life        Term            Life          Life             Goal     Mix      Annuities      Annuities     Annuities     Annuities       Goal     Mix


Legacy                                $439,832               $0             $0             $0       $439,832        $482,300       91.2%     8.9%     $1,747,100            $0       $1,747,100    $1,688,000   103.5%   73.1%
Strategic Alliance
      Western Security                       $0              $0             $0       $570,000       $570,000         $59,360       960.2%   11.6%            $0             $0               $0           $0     0.0%     0.0%
      Bankers                          $12,881               $0             $0             $0        $12,881         $14,840       86.8%     0.3%            $0             $0               $0           $0     0.0%     0.0%
        ILICo                          $22,437               $0             $0        $12,000        $34,437        $385,840        8.9%     0.7%            $0             $0               $0           $0     0.0%     0.0%
Financial Institutions                 $37,944               $0             $0         $6,479        $44,423         $37,100       119.7%    0.9%       $34,071             $0          $34,071           $0     0.0%     1.4%
ILICo GA's                            $890,897        $183,814       $245,726        $191,577     $1,512,014      $1,224,300       123.5%   30.7%       $19,200             $0          $19,200      $92,840    20.7%     0.8%
IMO's                                 $420,405        $105,816       $744,070         $27,155     $1,297,446      $1,075,900       120.6%   26.3%            $0             $0               $0           $0     0.0%     0.0%
NY GA's                               $539,038               $0       $13,275        $462,000     $1,014,313        $690,060       147.0%   20.6%      $226,111             $0         $226,111     $232,100    97.4%     9.5%
Variable Broker-Dealer                       $0              $0             $0             $0              $0             $0        0.0%     0.0%            $0       $363,300         $363,300    $1,029,680   35.3%    15.2%
Product Actual Sales                $2,363,434        $289,630     $1,003,071      $1,269,211     $4,925,346      $3,969,700       124.1%             $2,026,482      $363,300       $2,389,782    $3,042,620   78.5%

Product Planned Sales               $1,706,600         $74,200     $1,484,000        $704,900     $3,969,700                                          $1,991,840    $1,050,780       $3,042,620
% of Goal                               138.5%         390.3%           67.6%         180.1%          124.1%                                             101.7%          34.6%           78.5%
Mix                                      48.0%            5.9%          20.4%           25.8%         100.0%                                              84.8%          15.2%          100.0%



Monthly Sales Report Sales          $ 2,371,000 $       290,000 $    997,000 $ 1,269,000 $ 4,927,000                                                $ 2,026,500 $      363,300   $     2,389,800
Variance from MS Report                     -0.3%         -0.1%          0.6%            0.0%             0.0%                                             0.0%           0.0%            0.0%
* Variance due to reporting differences between Bankers Life UL and WL. The total amount of premium for Bankers Life is correct.
Differences exist due to different philosophies between BNLY and Financial Reporting on Interest Sensitive Whole Life results.
                                                               2001 Balanced Scorecard Sales Report
                                                                            November
Revised Dec. 11, 2000                                                                                                                                                             Completed by Jim Madsen for Gary Ryan


Channels                                                                 Life Products                                                                                      Annuities
                                                                                                                                                    Annuities (at 10%)

                                                   AmerUs                                       Total Actual Total Planned         % of             Fixed       Variable      Total Actual Total Planned    % of
                                       UL          UL & WL        Whole Life        Term            Life          Life             Goal    Mix     Annuities    Annuities      Annuities     Annuities      Goal    Mix


Legacy                                        $0             $0             $0             $0              $0       $568,750        0.0%    0.0%           $0            $0              $0    $1,284,000    0.0%    0.0%
Strategic Alliance
      Western Security                        $0             $0             $0             $0              $0        $70,000        0.0%    0.0%           $0            $0              $0           $0     0.0%    0.0%
      Bankers                                 $0             $0             $0             $0              $0        $17,500        0.0%    0.0%           $0            $0              $0           $0     0.0%    0.0%
        ILICo                                 $0             $0             $0             $0              $0       $455,000        0.0%    0.0%           $0            $0              $0           $0     0.0%    0.0%
Financial Institutions                        $0             $0             $0             $0              $0        $43,750        0.0%    0.0%           $0            $0              $0           $0     0.0%    0.0%
ILICo GA's                                    $0             $0             $0             $0              $0     $1,443,750        0.0%    0.0%           $0            $0              $0      $70,620     0.0%    0.0%
IMO's                                         $0             $0             $0             $0              $0     $1,268,750        0.0%    0.0%           $0            $0              $0           $0     0.0%    0.0%
NY GA's                                       $0             $0             $0             $0              $0       $813,750        0.0%    0.0%           $0            $0              $0     $176,550     0.0%    0.0%
Variable Broker-Dealer                        $0             $0             $0             $0              $0             $0        0.0%    0.0%           $0            $0              $0     $783,240     0.0%    0.0%
Product Actual Sales                          $0             $0             $0             $0              $0     $4,681,250        0.0%                   $0            $0              $0    $2,314,410    0.0%

Product Planned Sales               $2,012,500         $87,500     $1,750,000        $831,250     $4,681,250                                       $1,515,120     $799,290        $2,314,410
% of Goal                                   0.0%          0.0%           0.0%            0.0%           0.0%                                             0.0%         0.0%             0.0%
Mix                                         0.0%          0.0%           0.0%            0.0%           0.0%                                             0.0%         0.0%             0.0%



Monthly Sales Report Sales          $         -     $       -    $         -    $          -     $         -                                                                  $          -
Variance from MS Report                      0.0%          0.0%          0.0%            0.0%             0.0%                                           0.0%         0.0%             0.0%
* Variance due to reporting differences between Bankers Life UL and WL. The total amount of premium for Bankers Life is correct.
Differences exist due to different philosophies between BNLY and Financial Reporting on Interest Sensitive Whole Life results.
                                                               2001 Balanced Scorecard Sales Report
                                                                            December
Revised Dec. 11, 2000                                                                                                                                                             Completed by Jim Madsen for Gary Ryan


Channels                                                                 Life Products                                                                                      Annuities
                                                                                                                                                    Annuities (at 10%)

                                                   AmerUs                                       Total Actual Total Planned         % of             Fixed       Variable      Total Actual Total Planned    % of
                                       UL          UL & WL        Whole Life        Term            Life          Life             Goal    Mix     Annuities    Annuities      Annuities     Annuities      Goal    Mix


Legacy                                        $0             $0             $0             $0              $0       $830,700        0.0%    0.0%           $0            $0              $0    $1,542,000    0.0%    0.0%
Strategic Alliance
      Western Security                        $0             $0             $0             $0              $0       $102,240        0.0%    0.0%           $0            $0              $0           $0     0.0%    0.0%
      Bankers                                 $0             $0             $0             $0              $0        $25,560        0.0%    0.0%           $0            $0              $0           $0     0.0%    0.0%
        ILICo                                 $0             $0             $0             $0              $0       $664,560        0.0%    0.0%           $0            $0              $0           $0     0.0%    0.0%
Financial Institutions                        $0             $0             $0             $0              $0        $63,900        0.0%    0.0%           $0            $0              $0           $0     0.0%    0.0%
ILICo GA's                                    $0             $0             $0             $0              $0     $2,108,700        0.0%    0.0%           $0            $0              $0      $84,810     0.0%    0.0%
IMO's                                         $0             $0             $0             $0              $0     $1,853,100        0.0%    0.0%           $0            $0              $0           $0     0.0%    0.0%
NY GA's                                       $0             $0             $0             $0              $0     $1,188,540        0.0%    0.0%           $0            $0              $0     $212,025     0.0%    0.0%
Variable Broker-Dealer                        $0             $0             $0             $0              $0             $0        0.0%    0.0%           $0            $0              $0     $940,620     0.0%    0.0%
Product Actual Sales                          $0             $0             $0             $0              $0     $6,837,300        0.0%                   $0            $0              $0    $2,779,455    0.0%

Product Planned Sales               $2,939,400        $127,800     $2,556,000      $1,214,100     $6,837,300                                       $1,819,560     $959,895        $2,779,455
% of Goal                                   0.0%          0.0%           0.0%            0.0%           0.0%                                             0.0%         0.0%             0.0%
Mix                                         0.0%          0.0%           0.0%            0.0%           0.0%                                             0.0%         0.0%             0.0%



Monthly Sales Report Sales          $         -     $       -    $         -    $          -     $         -                                                                  $          -
Variance from MS Report                      0.0%          0.0%          0.0%            0.0%             0.0%                                           0.0%         0.0%             0.0%
* Variance due to reporting differences between Bankers Life UL and WL. The total amount of premium for Bankers Life is correct.
Differences exist due to different philosophies between BNLY and Financial Reporting on Interest Sensitive Whole Life results.
                                                               2001 Balanced Scorecard Sales Report
                                                                         Year to Date                                                                                                                                     Oct-01

Revised Nov. 9, 2001                                                                                                                                                                 Completed by Jim Madsen for Gary Ryan


Channels                                                                 Life Products                                                                                         Annuities
                                                                                                                                                      Annuities (at 10%)

                                                   AmerUs                                       Total Actual Total Planned         % of               Fixed        Variable      Total Actual Total Planned       % of
                                       UL          UL & WL        Whole Life        Term            Life          Life             Goal     Mix      Annuities     Annuities      Annuities     Annuities         Goal    Mix


Legacy                              $1,291,739               $0             $0             $0     $1,291,739      $5,100,550       25.3%     2.8%    $13,740,800           $0        $13,740,800    $17,174,000   80.0%   69.1%
Strategic Alliance
      Western Security                       $0              $0             $0     $3,068,000     $3,068,000        $627,760       488.7%    6.7%            $0            $0                 $0            $0     0.0%    0.0%
      Bankers                          $67,771               $0             $0             $0        $67,771        $156,940       43.2%     0.1%            $0            $0                 $0            $0     0.0%    0.0%
        ILICo                         $263,763               $0      $670,496        $338,000     $1,272,259      $4,080,440       31.2%     2.8%            $0            $0                 $0            $0     0.0%    0.0%
Financial Institutions                $157,552               $0         $5,201         $8,432       $171,185        $392,350       43.6%     0.4%       $38,571            $0           $38,571             $0     0.0%    0.2%
ILICo GA's                          $7,439,867        $352,209     $4,379,076      $1,349,738    $13,520,890     $12,947,550       104.4%   29.4%      $439,326            $0          $439,326       $944,570    46.5%    2.2%
IMO's                               $2,668,207        $252,234    $13,809,799        $196,095    $16,926,335     $11,378,150       148.8%   36.9%          $574            $0               $574            $0     0.0%    0.0%
NY GA's                             $6,521,965               $0      $159,471      $2,911,920     $9,593,356      $7,297,710       131.5%   20.9%     $1,967,078           $0         $1,967,078     $2,361,425   83.3%    9.9%
Variable Broker-Dealer                       $0              $0             $0             $0              $0             $0        0.0%     0.0%            $0     $3,704,800        $3,704,800    $10,476,140   35.4%   18.6%
Product Actual Sales               $18,410,864        $604,443    $19,024,043      $7,872,185    $45,911,535     $41,981,450       109.4%            $16,186,349    $3,704,800       $19,891,149    $30,956,135   64.3%

Product Planned Sales              $18,048,100        $784,700    $15,694,000      $7,454,650    $41,981,450                                         $20,265,320   $10,690,815       $30,956,135
% of Goal                               102.0%           77.0%         121.2%         105.6%          109.4%                                              79.9%         34.7%             64.3%
Mix                                      40.1%            1.3%          41.4%           17.1%         100.0%                                              81.4%         18.6%            100.0%



Monthly Sales Report Sales           $ 18,509,000 $     604,000 $ 18,916,000 $ 7,878,000 $ 45,907,000                                               $ 16,186,400 $ 3,704,800     $     19,891,200
Variance from MS Report                     -0.5%          0.1%           0.6%           -0.1%            0.0%                                              0.0%        0.0%               0.0%
* Variance due to reporting differences between Bankers Life UL and WL. The total amount of premium for Bankers Life is correct.
 Differences exist due to different philosophies between BNLY and Financial Reporting on Interest Sensitive Whole Life results.
                                                             2001 Balanced Scorecard Sales Report
                                                                            Goals
Revised October 10, 2001                                                                                                                                                            Completed by Jim Madsen for Gary Ryan


Channels                                                               Life Products                                                                                          Annuities
                                      UL          AmerUs        Whole Life        Term                                                               Annuities (at 10%)
                                                                                                                                                                                                       Total
                                                                                              Total Actual       Total        % of                   Fixed        Variable      Total Actual         Planned     % of
                                      UL          UL & WL           WL             Term           Life        Planned Life    Goal         Mix      Annuities     Annuities      Annuities           Annuities   Goal     Mix


Legacy                              $6,500,000                                                   $6,500,000                        0.0%     12.1%   $20,000,000                     $20,000,000                    0.0%   55.5%

Strategic Alliance
        Western Security                                                           $800,000       $800,000                         0.0%      1.5%                                               $0                 0.0%    0.0%

        Bankers                      $200,000                                                     $200,000                         0.0%      0.4%                                               $0                 0.0%    0.0%

        ILICo                        $500,000                     $2,500,000     $2,200,000      $5,200,000                        0.0%      9.7%                                               $0                 0.0%    0.0%

Other                                        $0                            $0                                                      0.0%   #VALUE!                                               $0                 0.0%    0.0%

Financial Institutions               $250,000                       $250,000                      $500,000                         0.0%      0.9%                                               $0                 0.0%    0.0%

ILICo GA's                          $6,500,000       $500,000     $6,500,000     $3,000,000    $16,500,000                         0.0%     30.8%    $1,100,000                      $1,100,000                    0.0%    3.1%

IMO's                               $3,500,000       $500,000    $10,500,000                   $14,500,000                         0.0%     27.1%                                               $0                 0.0%    0.0%

NY GA's                             $5,550,000                      $250,000     $3,500,000      $9,300,000                        0.0%     17.4%    $2,500,000     $250,000         $2,750,000                    0.0%    7.6%

Variable Broker-Dealer                                                                                   $0                        0.0%      0.0%                 $12,200,000       $12,200,000                    0.0%   33.8%

Product Actual Sales              $23,000,000      $1,000,000    $20,000,000     $9,500,000    $53,500,000               $0        0.0%             $23,600,000   $12,450,000       $36,050,000                    0.0%

Product Planned Sales                                                                                    $0                                                                                     $0
% of Goal                                  0.0%          0.0%            0.0%          0.0%            0.0%                                               0.0%          0.0%              0.0%
LOB Mix                                 43.0%            1.9%          37.4%          17.8%         100.0%                                               65.5%         34.5%            100.0%



Monthly Sales Report Sales                                                                                                                                                      $           -
Variance from MS Report                   #DIV/0!                     #DIV/0!        #DIV/0!         #DIV/0!                                            #DIV/0!       #DIV/0!           #DIV/0!
* Variance due to reporting differences between Bankers Life UL and WL. The total amount of premium for Bankers Life is correct.
Differences exist due to different philosophies between BNLY and Financial Reporting on Interest Sensitive Whole Life results.
                                                                              2001 Life Distribution System Tracking Report
                                                                                                  October
Revised Nov. 9, 2001                                                                                                                                                                                                                          Oct-01
                                                                                                                                                                                                                                              Oct-00
Distribution Sys.                   Premium Results                      Balanced Scorecard Premium Goals                                   Dist. Leader's Proj.Premium                      2000 Distribution System Prem. Results
                                                                                                                                                                                                                           2000/2001
                                     Month*        Year to Date          Month            Year to Date   % of Goal    Year End        Month        Year to Date   % of Goal    Year End*      Month*       Year to Date   YTD Variance   Year End


Legacy                                 $439,832       $1,291,739           $482,300         $5,100,550        25.3%    $6,500,000      $482,300      $5,100,550        25.3%    $6,500,000     $176,345      $2,207,708         58.5%     $2,692,728
Strategic Alliance
    Western Security                   $570,000       $3,068,000            $59,360           $627,760       488.7%     $800,000        $59,360        $627,760       488.7%      $800,000       $4,000        $574,000        534.5%      $595,790
    Bankers                             $12,881          $67,771            $14,840           $156,940        43.2%     $200,000        $14,840        $156,940        43.2%      $200,000       $1,269         $24,144        280.7%       $30,618
    ILICo                               $34,437       $1,272,259           $385,840         $4,080,440        31.2%    $5,200,000      $385,840      $4,080,440        31.2%    $5,200,000     $243,605      $4,216,856         30.2%     $5,291,530
Financial Institutions                  $44,423         $171,185            $37,100           $392,350        43.6%     $500,000        $37,100        $392,350        43.6%      $500,000      $21,747        $223,006         76.8%      $269,784
ILICo Field                          $1,512,014      $13,520,890         $1,224,300        $12,947,550       104.4%   $16,500,000     $1,224,300    $12,947,550       104.4%   $16,500,000     $660,507     $12,082,911        111.9%    $15,039,495
IMO's                                $1,297,446      $16,926,335         $1,075,900        $11,378,150       148.8%   $14,500,000     $1,409,800    $14,909,300       113.5%   $19,000,000     $706,612     $10,592,282        159.8%    $14,729,680
NY Field                             $1,014,313       $9,593,356           $690,060         $7,297,710       131.5%    $9,300,000      $690,060      $7,297,710       131.5%    $9,300,000     $761,922      $7,011,246        136.8%     $8,378,869
Variable Broker-Dealer                        $0               $0                    $0             $0         0.0%              $0           $0             $0         0.0%           $0                            $0          0.0%               $0
Totals                               $4,925,346      $45,911,535         $3,969,700        $41,981,450       109.4%   $53,500,000     $4,303,600    $45,679,266       100.5%   $59,000,000    $2,576,007    $36,932,153        124.3%    $47,028,494

1
  - Bankers Equals NY Field + Strategic Alliance, Bankers + Financial Institutions
2
  - Non-Term Strategic Alliance does not include Boston Mutual or Pioneer Mutual
3
  - Term Strategic Alliance = Term (WSL) + Term (ILICo)
                                               Statistically Projected Sales by Month
                     Jan-01    Feb-01     Mar-01      Apr-01     May-01     Jun-01      Jul-01     Aug-01     Sep-01   Oct-01   Nov-01    Dec-01
Life Sales            6.37%     7.21%      9.78%       8.20%      7.00%      8.82%      8.17%       7.82%      7.68%    7.42%    8.75%    12.78%
YTD                   6.37%    13.58%     23.36%      31.56%     38.56%     47.38%     55.55%      63.37%     71.05%   78.47%   87.22%   100.00%

Annuity Sales        7.07%      7.67%      8.98%      10.19%      8.98%      9.11%      9.29%       8.44%      7.70%    8.44%    6.42%     7.71%
YTD                  7.07%     14.74%     23.72%      33.91%     42.89%     52.00%     61.29%      69.73%     77.43%   85.87%   92.29%   100.00%


Note: 1) the life sales percentages are based upon an eight year average (1993 - 2000) of paid premium by month.

Note: 1) the annuity sales percentages are based upon a four year average (1997 - 2000) of paid premium by month.

								
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