Georgia Department of Insurance John W. Oxendine, Commissioner 2004 Annual Report OFFICE OF INSURANCE AND SAFETY FIRE COMMISSIONER JOHN W. OXENDINE COMMISSIONER OF INSURANCE SAFETY FIRE COMMISSIONER INDUSTRIAL LOAN COMMISSIONER COMPTROLLER GENERAL SEVENTH FLOOR, WEST TOWER FLOYD BUILDING 2 MARTIN LUTHER KING, JR. DRIVE ATLANTA, GEORGIA 30334 404-656-2056 TTD# 404-656-4031 Members of the General Assembly: Pursuant to O.C.G.A. 33-2-8, it is my pleasure to submit this Annual Report of the Georgia Commissioner of Insurance. Herein are summarized events and activities for calendar year 2004. A Supplement Report on Property and Casualty Insurance and a Report of Private Review Agents are also included. It is my hope that these reports will provide you with valuable insight into the operations of the Office of Commissioner of Insurance. I look forward to working with you to serve the needs of the citizens of Georgia. With warmest personal regards, I remain Sincerely, John W. Oxendine Commissioner of Insurance THE OFFICE OF INSURANCE AND SAFETY FIRE COMMISSIONER DOES NOT DISCRIMINATE ON THE BASIS OF RACE, COLOR, NATIONAL ORIGIN, SEX, RELIGION, AGE OR DISABILITY IN EMPLOYMENT OR THE PROVISION OF PROGRAMS OR SERVICES Our Mission Our Vision The mission of the Office of Commissioner of Insurance is to ensure that the public's interests are served through professional oversight of regulated industries, consumer protection, and broad-based educational activities. John W. Oxendine Insurance and Safety Fire Commissioner Our vision is to have a well-trained workforce using state-of-the-art technology to facilitate professional regulation, greater coordination and uniformity among state regulators, and greater public access to services and information that result in a more firesafe environment and a consumerfriendly, competitive marketplace for insurance and small loan products. Georgia Department of Insurance 2004 Annual Report Table of Contents Department Budget ................................................................................................................................... 5 Division Functions/Responsibilities ....................................................................................................... 6 Agents Licensing Division ...................................................................................................................... 6 Consumer Services Division ................................................................................................................... 6 Enforcement Division ............................................................................................................................. 7 Industrial Loan Division .......................................................................................................................... 7 Life and Health Division ......................................................................................................................... 8 Property and Casualty Division .............................................................................................................. 8 Regulatory Services Division ................................................................................................................. 8 Examinations Section ............................................................................................................................. 9 Premium Tax .......................................................................................................................................... 9 Safety Fire Division, Office of State Fire Marshal ................................................................................ 9 Public Education ....................................................................................................................................10 2004 Legislation Summary ...................................................................................................................... 11 Property and Casualty Supplemental Report .......................................................................................12 Private Review Agents Report ...............................................................................................................15 Regulatory Data ........................................................................................................................................18 Provider-Sponsored Health Care Corporations, as of December 31, 2004 ..........................................19 HMO Financials, as of December 31, 2004 ..........................................................................................20 Hospitals, Medical and Dental Service or Indemnity Corporations, as of December 31, 2004 ............21 Automobile Self-Insurers, as of December 31, 2004 ............................................................................22 Licensed Farmers' Mutual Fire Insurance Companies, as of December 31, 2004 ...............................23 Licensed Workers' Compensation Group Self-Insurance Funds, as of December 31, 2004 ................24 Domestic Life and Health Companies, as of December 31, 2004 ........................................................26 Foreign Life and Health Companies, as of December 31, 2004 ...........................................................27 Domestic Property and Casualty Companies, as of December 31, 2004 .............................................41 Foreign Property and Casualty Companies, as of December 31, 2004 .................................................43 Premium Finance Companies, as of December 31, 2004 .....................................................................64 Licensed Interlocal Risk Management Agencies, as of December 31, 2004 ........................................66 Risk Purchasing Groups, as of December 31, 2004 ..............................................................................67 Risk Retention Groups,as of December 31, 2004 .................................................................................73 Licensed Georgia Captives, as of December 31, 2004 .........................................................................75 Third Party Administrators, as of December 31, 2004 ..........................................................................76 Licensed Title Insurers, as of December 31, 2004 ................................................................................81 Georgia Department of Insurance 4 2004 Annual Report Departmental Budget Statement of Funds Available and Expenditures Compared to Budget Fund Year Ended June 30, 2004 Funds Available Budget Actual Variance Revenues State Appropriation Federal Revenues Other Revenues Retained Total revenues $16,427,511.00 $952,607.00 $165,650.00 $17,545,768.00 $16,427,511.00 $853,032.57 $129,428.05 $17,409,971.62 $0.00 ($99,574.43) ($36,221.95) ($135,796.38) Carryover from Prior Year Transfer from Reserved Fund Balance $0.00 $38,001.22 $38,001.22 Total Funds Available $17,545,768.00 $17,447,972.84 ($97,795.16) Expenditures Personal Services Regular Operating Expenses Travel Motor Vehicle Purchases Equipment Computer Charges Real Estate Rental Telecommunications Per Diem, Fees and Contracts $14,968,455.00 $745,005.00 $433,030.00 $80,176.00 $33,331.00 $224,001.00 $622,028.00 $353,700.00 $86,042.00 $14,343,375.27 $707,227.21 $370,160.13 $51,422.36 $33,170.00 $225,409.43 $622,027.44 $257,691.26 $54,753.91 $625,079.73 $37,777.79 $62,869.87 $28,753.64 $161.00 ($1,408.43) $0.56 $96,008.74 $31,288.09 Total Expenditures $17,545,768.00 $16,665,237.01 $880,530.99 Excess of funds available over expenditures $782,735.83 782,735.83 Georgia Department of Insurance 5 2004 Annual Report Division Functions & Responsibilities AGENTS LICENSING DIVISION The Agents Licensing Division is responsible for the licensure, maintenance, and renewal of licenses for: resident and nonresident agents (for any line or subline of life, accident and sickness, property, casualty, surety and allied lines, variable annuity, and variable life) and counselors; adjusters (crop, hail, company, independent, and public), limited subagents (for any line or sub-line of life, accident and sickness, property, casualty, surety and allied lines); and surplus line brokers. The division received 22,933 applications for resident licenses and 17,781 applications for non-resident licenses in 2004. Resident applicants for licensure are reviewed to determine if the appropriate prelicensing education has been completed. Non-resident applicants are reviewed for proper documentation of licensure in their state of residence and for reciprocity with that state. All applicants for licensure are screened through the National Association of Insurance Commissioners' database to determine if the applicant has had regulatory action taken in another state. If regulatory action is discovered, the applicant is referred to the Enforcement Division for further investigation. The division maintains licenses for more than 86,624 licensees, each of whom is required to file for renewal annually. Resident renewals are reviewed to determine if the continuing education requirement has been satisfied; non-residents are reviewed for proper documentation of continued licensure in their home state. All entities wishing to offer pre-licensing and continuing education courses must be preapproved by the Agents Licensing Division, and all courses and instructors are required to file for approval annually. The department approved 90 new education providers and renewed 496 providers. In addition, the department approved 7,193 instructors and approved 1,862 courses. In accordance with Georgia law, all agents are required to be appointed by each insurance company with which they conduct business. The section receives, reviews, and issues more than 128,760 new certificates of authority each year. Each certificate of authority must be renewed by the insurance company annually. The section processes more than 440,000 certificate of authority renewals each year. All insurance agencies domiciled in Georgia are required to register annually with theAgents Licensing Division. Currently, there are 6,523 registered agencies. All insurers are required to register their staff adjusters each year. Currently 10,743 staff adjusters are on file with the section. The division also provides status/clearance letters to individuals who are applying for licensure in another state. The section receives, reviews, and processes more than 13,800 letters annually. Agents Licensing coordinates testing activities with private companies contracted to administer the state insurance examinations. All examination results are submitted to the section for review (to determine if proper licensing paperwork has been received), conversion, and processing. The division reviews and processes an average of 10,000 examination records each year. It communicates with the public and insurance industry regarding laws, regulations, reciprocal agreements, license status, and provides license data in the form of printouts and computer tapes. The division also works with other states to provide licensing reciprocity where applicable. CONSUMER SERVICES DIVISION The Consumer Services Division is the investigative arm of the Department of Insurance and attempts to ensure fair and equitable dealings between insurers, agents, and policyholders regarding all insurance transactions. This division receives all complaints against agents or insurers. Georgia Department of Insurance 6 2004 Annual Report Action by this division can be initiated by a written complaint, a personal visit to the Atlanta office, or a meeting with one of the division's field insurance investigators who travel throughout the state. Any inquiry that requires additional information or that appears to be a complaint is made into an investigation file. The file is then assigned to an insurance investigator qualified to conduct the particular type of investigation involved. The investigator gathers all available data necessary to properly analyze and evaluate the problem or claim. The division frequently holds an informal conference between complainants and company adjusters, agents, or underwriters regarding the problem in question. These conferences often bring about an amiable settlement. administrative actions against licensees and unauthorized entities which are believed to be in violation of the Georgia Insurance Code, the Safety Fire Code, and the Industrial Loan Code. The Legal section represents the Department in administrative hearings. In addition to hearings related to proposed administrative actions, the Division represents the Department in administrative challenges to actions taken, including but not limited to, license applicants, rate and form filings made by companies, and insurance company holding act hearings. The division strives to assist every citizen with every kind of problem or question he or she might encounter in reference to insurance. An honest and frank opinion is furnished every policyholder as to his or her rights and responsibilities under the insurance contract. The Consumer Services Division actively participates in thirdparty liability claims in order to ascertain whether the insurance company has conducted its affairs within good businesslike insurance principles and has acted in good faith. It attempts to verify that all insurance matters handled by insurance company personnel, independent adjusters, and insurance agents have been handled fairly and equitably. The division must be constantly alert for violations of the Unfair Trade Practices Act and investigate any apparent violations of this law. If an investigation discloses misrepresentation or any other unfair trade practice, the facts are submitted to the Commissioner for his decision as to the course of action that the department will take. The Investigations section is responsible for investigations related to suspected insurance fraud and arson. The fraud unit's special agents actively pursue suspects who misappropriate insurance premiums, who obtain insurance proceeds by fraud, or who sell fake insurance. The arson unit's criminal investigators investigate crimes against persons and property damaged by fire. Investigations works closely with district attorneys across the State to prosecute insurance crimes. They have beensuccessful in obtaining restitution for victims of insurance crimes and for incarceration of criminals. INDUSTRIAL LOAN DIVISION The Industrial Loan Division is responsible for licensing and regulating the small loan industry in Georgia. These businesses are licensed under the Georgia Industrial Loan Act to lend cash to consumers in amounts not exceeding $3,000 and for a period not exceeding 36 months, and 15 days. Last year the division's representatives helped consumers and businesses recover almost $15 million in claims and premium refunds. The division takes calls Monday through Friday from 8 a.m. to 7 p.m. THE ENFORCEMENT DIVISION The Enforcement Division includes an Investigations section and Legal section. The Legal section is responsible for advising the Department on legal issues related to Georgia's insurance, safety fire, and industrial loan laws and regulations. The Legal section makes recommendations and drafts orders for proposed An industrial loan company applicant must meet three requirements to be licensed: (1) possess a net worth of at least $75,000; (2) be of good character; (3) meet the convenience and advantage criteria of the Industrial Loan Act (i.e., prove that the community needs this service). There are more than 1,000 industrial loan offices licensed in the state. Loan offices are audited by the Industrial Loan Division to ensure that lenders are in compliance with the laws and rules and regulations. These examinations, as required by statute, are purely for the benefit of the borrowers and are not directed toward examining the financial stability of the lender. However, the division does require that each loan office file Georgia Department of Insurance 7 2004 Annual Report an annual financial statement. The division also furnishes a complaint service to the citizens of Georgia. Complaints may be lodged in writing, in person, or by phone. Each complaint is answered or investigated, and action is taken where appropriate. LIFE AND HEALTH DIVISION The Life and Health Division works directly with insurers and insurance company product rate filings. It is responsible for solving both technical and practical problems in regulation of insurers through oversight of life and health insurance policy contracts issued in Georgia. The Life and Health Division also contains a Utilization Review Section and a Managed Care Section. These two sections deal with managed care utilization review, help resolve medical provider and payor claims issues, and conduct educational and outreach programs regarding claims filing and paying practices. The Division's responsibilities include, but are not limited to: Analysis of life insurance, annuity, credit insurance and health insurance policy forms to determine compliance with applicable insurance law, rules and regulations; Disapproval of policy forms which contain inconsistent, ambiguous, misleading, deceptive, unfair, or inequitable provisions; Review and approval of new or revised premium rates for certain categories of health insurance or credit insurance products and advertisements for Long Term Care and Medicare Supplement Insurance as required by laws or regulations; Certification of managed care insurers under the Patient Protection Act. The Division's Utilization Review Section is responsible for licensure of Private Review Agents which perform utilization review activities related to health benefit plans covering Georgia residents. The Division's Managed Care Section works to resolve complex claims problems between health care providers and managed care insurers. This section conducts educational outreach programs to promote better awareness of appropriate claims filing and claims paying practices between respective groups. PROPERTY AND CASUALTY DIVISION The primary responsibility of the Property and Casualty Division is to ensure that all property and casualty insurance rates, rules, and forms used in Georgia comply with state law. All property and casualty insurers licensed to operate in Georgia must file all their premium rates, underwriting rules, and policy forms with the Property and Casualty Division. Each year the Property and Casualty Division receives an average of 500 rate and rule filings per month from insurance companies, self-insured trust funds, or rating organizations. Rate filings are evaluated to determine if they meet Georgia's legal standards prohibiting rates that are excessive, inadequate, or unfairly discriminatory. Georgia licensed insurers must file with the Department of Insurance most property and casualty insurance policy forms and endorsements at least 90 days prior to their effective dates. The Property and Casualty Division receives a monthly average of 365 form and endorsement filings from insurance companies and rating organizations. All property and casualty insurance forms and endorsements are subject to prior approval before they can be used by any licensed Georgia insurer. The division also regulates a number of residual market insurance plans designed to provide coverage to insureds unable to obtain insurance voluntarily from licensed insurers writing certain lines of insurance in Georgia. Every Georgia licensed insurer writing automobile, property, or workers' compensation insurance must participate in the applicable residual market plan. REGULATORY SERVICES DIVISION The Regulatory Services Division is responsible for licensing insurance companies and ensuring that the licensed companies remain solvent and compliant with all the requirements of Georgia laws and regulations. The division receives and reviews license applications from insurers and other entities and makes recommendations to the Commissioner as to whether the applicant satisfies the necessary requirements. Additionally, any changes to a company's certificate of authority, such as an addition or deletion of a class of business, name change, etc., is performed in the Regulatory Services Division. Georgia Department of Insurance 8 2004 Annual Report The Regulatory Services Division is also responsible for the financial regulation of licensed insurers and other related entities as prescribed by Georgia law.Accordingly, the division receives and reviews quarterly and annual financial statements and related filings, financial examinations, CPA audits, actuarial opinions, and the holding company disclosure filings. Based on the results of the information provided, the division then makes necessary recommendations to the Commissioner. In some cases, the financial review may also trigger the division to make recommendations for a targeted examination or regulatory action. Another responsibility of the division is to advise the Commissioner on any proposed mergers, acquisitions, and extraordinary dividend payment requests. The division is also responsible for approving any management, services, accounting, or other type of agreement that an insurer may wish to put into place. Lastly, this division is responsible for the record keeping of more than $200 million in assets that licensed insurers have pledged to the state in the form of security deposits. In addition to the above, the division assists consumers by providing them with financial and licensure information regarding companies doing business in Georgia. licensed in Georgia. Currently, processing includes the collection of over $300 million in state premium tax revenue and the assessment, collection and distribution of over $350 million in local premium tax revenue. The Premium Tax Division is also responsible for the assessment and collection of the Special Insurance Fraud Fund, which varies with the annual appropriation. In addition, the Premium Tax Division responds to inquiries from various sources regarding tax laws and regulation as well as questions regarding the administration of various tax programs. OFFICE OF THE SAFETY FIRE COMMISSIONER As a direct result of the 1946 Winecoff Hotel fire in which 119 people lost their lives, the Georgia Safety Fire Law came into being. The General Assembly enacted legislation relating to fire safety in public buildings and assigned the responsibility for executing the law to the Commissioner of Insurance, who was named ex-officio Safety Fire Commissioner. The law further authorized the appointment of a State Fire Marshal and the creation of the Safety Fire Division of the Office of the Commissioner of Insurance. THE EXAMINATIONS SECTION The Examinations Section is comprised of the Market Conduct and Financial Units. The Financial Unit is responsible for conducting examinations on a variety of insurers licensed in Georgia. The focus of each examination is to test their compliance with Georgia law and related rules and regulations of the Department of Insurance, to verify the financial solvency of the insurance companies, and to report on any items of non-compliance or other problems noted. The Market Conduct Unit is responsible for conducting examinations on a variety of insurers licensed in Georgia. The focus of each examination is to determine the company's compliance with Georgia law and the rules and regulations of the Department of Insurance. The examiners review the company records and market activities and report on any items of non-compliance or other problems noted. PREMIUM TAX DIVISION The Premium Tax Division is responsible for ensuring compliance with the insurance premium tax laws, rules and regulations, collecting taxes and processing premium tax returns for all insurance companies and surplus lines brokers The current responsibilities of the Safety Fire Division also know as the Fire Marshal's Office fall into five main categories: building construction, manufactured housing, hazardous materials, fire investigations and education. The office enforces fire safety rules and regulations for hotels, multi-family dwellings, schools, day care centers, personal care homes, churches, hospitals, nursing homes, mercantile occupancies, race tracks, and other buildings throughout the state defined in O.C.G.A. 25-2-13. The engineering staff evaluates buildings in the planning and construction stages by reviewing and approving plans. Fire Safety Compliance Officers examine new and existing structures for compliance with safety fire laws, codes and standards. In conjunction with the federal Department of Housing and Urban Development, the office monitors the Georgia manufactured housing industry to ensure federal HUD compliance for construction and installation of new manufactured homes. Also, this office performs consumer complaint inquiries to assist citizens who are experiencing problems and are unable to secure help from the manufacturer, retailer or installer. Retail lot facilities are inspected to prevent dealer tampering and alterations to manufactured homes. Georgia Department of Insurance 9 2004 Annual Report Under contract with the Georgia Department of Human Resources, the office conducts the Centers for Medicare & Medicaid Services life safety surveys. The office issues licenses to traveling carnivals and circuses, sprinkler contractors, racetracks, fire extinguisher companies, special hazard suppression system companies. The Fire Marshal's Office also regulates the storage, transportation, and handling of various hazardous materials and enforces the blasting act. Regulatory licenses are issued annually for blasters who use explosives, liquefied petroleum gas companies, bulk plant locations, fireworks manufacturing facilities and pyrotechnics companies. Permits are issued for control of anhydrous ammonia, self-service dispensing of motor fuels. The office requires fire drills in the local school systems and encourages schools, fire departments and community groups to participate in fire prevention education. PUBLIC SAFETY EDUCATION DIVISION The Public Safety Education Division is responsible for promoting fire safety education. The division coordinates fire prevention education programs throughout the state such as Junior Fire Marshal, and two Fire Safety Houses. The division coordinates statewide participation in the National Fire Prevention Week activities each October. The Fire Prevention Week activities include a statewide fire drill, statewide poster and essay contests, and annual Fire & Life Safety Awards Luncheon for all winners to be recognized. Additionally, the division has established programs to promote citizen involvement in fire safety education through programs such as Child Day Care Professional fire safety training, Operation Safe Home Smoke Alarm programs and statewide seminars. To assist those individuals working in the fire service or related fields as well as insurance providers and agents, the Public Safety Education Division publishes "Fire Wire" and the "Insurance Facts," which contain valuable educational and informational materials. Georgia Department of Insurance 10 2004 Annual Report 2004 Legislative Summary SB 608 HB 1499 This Act authorizes the use of national standards for quality certification in the granting, maintenance, denial, and revocation of certificates of authority of health maintenance organizations. This Act amends O.C.G.A. Sections 33-21-3, 33-21-5, 3321-9, 33-21-17, 33-21-18, and 33-21-20 and enacts O.C.G.A. Section 33-21-20.1. This Act reduces the amount of advance payment for motor vehicle liability insurance from the first 60 days of coverage to the first 30 days of coverage. The Act amends O.C.G.A. Section 33-34-3. Effective January 1, 2005. Effective May 13, 2004. HB 539 This Act revises the method of calculating the minimum nonforfeiture amounts for individual deferred annuities, authorizes the Commissioner of Insurance to set rates by rule and regulation, and provides for a range for such interest rates. The Act amends O.C.G.A. Sections 33-28-3. Effective July 1, 2005. HB 547 ThisAct removes certain limitations and conditions concerning the prohibition on insurance premium surcharges for public safety employees who are involved in automobile accidents. The Act amends O.C.G.A. Section 33-9-39. Effective May 13, 2004. HB 1263 This Act provides for service by electronic mail of certain orders and notices of the Commissioner of Insurance, corrects a penalty provision concerning insurance fraud, and defines the term "claim against a policy." The Act amends O.C.G.A. Sections 33-1-9, 33-2-10, and 33-24-46. Effective May 13, 2004. Georgia Department of Insurance 11 2004 Annual Report Property & Casualty Supplemental Report SECTION XVI: SUPPLEMENTAL REPORT ON PROPERTY AND CASUALTY INSURANCE Pursuant to O.C.G.A. 33-2-8.1, the following is the Office of Commissioner of Insurance Supplemental Report on Property and Casualty Insurance. Included in this report is an evaluation of insurance coverages considered by the Commissioner to be unavailable or unaffordable and consumer information regarding market assistance programs and joint underwriting associations. The report also includes a summary of actions taken by the Department on personal lines property and casualty insurance rate filings that resulted in the filing of lower rates by insurance companies and an estimate of the amount of money saved by consumers as a result of such actions. Lastly, the Supplement Report provides a listing of those insurers which are in formal rehabilitation, liquidation, or conservatorship. UNAVAILABILITY AND UNAFFORDABILITY Commercial Lines Insurance coverage continues to be available and affordable for most of the commercial lines or classes of business listed in O.C.G.A. 33-2-8.1(d), with the exception of the medical malpractice line. The commercial lines market stabilized during the 2004 calendar year. Competition for specific accounts, pricing stability, and an increased appetite for risk became more evident during the progression of the year. In fact, the extended hard market may be at an end. The hard market began as a market correction to reduce deficiencies caused by rising reinsurance costs, falling returns on invested assets, and an inattention to prudent underwriting practices. The impact of the market correction was significantly compounded by the magnitude of the September 11, 2001 tragedy and the uncertainty that followed. The Terrorism Risk Insurance Act of 2002 (Act) is one factor associated with the market's recovery. This bill provided for a temporary federal program for public and private compensation for insured commercial property and casualty losses resulting from terrorism as defined by the Act. The Act mandated the offering of terrorism coverage to commercial risks with the insureds option to decline coverage. Workers' compensation coverage was not included in the Act since terrorism cannot be excluded in that particular line of insurance. The Act provided for reimbursement for terrorism losses after certain deductibles are met and also established a maximum cap on terrorism losses for the industry. The Act provided insurers with the means to predict the probable maximum loss and to continue to provide coverage that was vital to economic growth. Unless renewed, the Act will expire on December 31, 2005. At this time, there does not appear to be sufficient capacity or appetite for the private markets to assume the terrorism exposure. The reason insurers are becoming more competitive can be attributed to the return to basic underwriting fundamentals and pricing for the exposure assumed. This discipline helped produce the first underwriting profit for the United States property and casualty industry since 1978. More competitive pricing and coverage options are expected in the near future unless catastrophic losses, both man-made and natural, erode the potential for profits and reduce the capacity in the insurance and reinsurance markets. The cause of the availability and affordability problems for medical malpractice is not attributed to the September 11, 2001 tragedy, although these events may have had an impact on the countrywide magnitude of the problem. The primary cause of the problem is loss experience in Georgia and countrywide. The erosion in loss experience has been attributed to larger legal judgments or settlements along with minimum changes in frequency. Experience for medical malpractice had deteriorated from a 51.6 percent loss ratio in 1996 to a loss ratio of 133.79 percent in 2001 and 122.79 percent in 2002. 2003 and 2004 Georgia loss ratios of 84.5 percent and 70.4 percent, respectively, represent a Georgia Department of Insurance 12 2004 Annual Report substantial improvement in loss experience. Unfortunately, the improvements are primarily attributed to significant pricing changes that affected the affordability of the products. Another contributing factor causing availability and affordability problems for medical malpractice was the departure of carriers from the market. One particular carrier, Phico, is currently in receivership, and Georgia's second largest writer in previous years, St. Paul, elected to totally exit the medical malpractice market countrywide. This left many physicians and hospitals searching for coverage. Doctors who were able to remain with their current medical malpractice provider saw modest premium increases. Doctors that had to change carriers experience large premium increases due to the cost of extended reporting endorsements coupled with the effect of the new pricing with the new carrier. Many doctors who had coverage with Phico, St. Paul or other companies no longer writing were absorbed in the non-regulated Surplus Lines market at a tremendous increase in pricing with probably less coverage. Hospitals were especially hard hit by St. Paul's departure as St. Paul insured the majority of the smaller rural hospitals as well as a few large hospitals. It is difficult for doctors with a prior claim to find coverage (as new business) in the admitted markets due to the reduction in capacity and competition. Twelve of the top twenty medical malpractice writers in calendar year 2004 were non-regulated insurers. Market Assistance Programs and Joint Underwriting Associations The Market Assistance Program is virtually inactive due to current market conditions according to Mr. Michael Valdez, General Manager of the Georgia Underwriting Association. He estimates there are approximately two or three inquiries a quarter requesting help to find insurance. Residual market mechanisms exist to assist consumers who are unable to purchase coverage through the voluntary market. Generally, this business is shared among insurance companies in two ways: (1) through direct assignment of individual applicants or (2) through insurance pooling agreements. There are three major residual market mechanisms operating in Georgia to assist consumers in obtaining coverage: The Georgia Automobile Insurance Plan, The Workers' Compensation Assigned Risk Plan, and the Fair Plan for property insurance. The Georgia Automobile Insurance Plan The Georgia Automobile Insurance Plan provides coverage for private passenger risks on an assigned risk basis and for commercial risks under a pooling arrangement with servicing carriers. Individuals may have difficulty obtaining automobile coverage for a variety of reasons, such as a poor driving record. Because obtaining auto liability insurance is mandated by law, the Georgia Automobile Insurance Plan is essential to ensure that individuals can find this coverage. A growing number of nonstandard automobile writers entered the voluntary automobile market in Georgia during the last decade. Consequently, individuals can now find coverage easily and the Automobile Insurance Plan's written premiums are decreasing. In 1989, residual market automobile premium totaled $30,014,000. By 1996, premium had decreased to approximately $3,000,000. Another decrease in premium for calendar year 2001 resulted in premium of approximately $1,225,000. Plan premium experienced a slight increase to $1,657,000 in 2002. Plan premium for 2003 was down to $1,125,513 which is less than 0.1 percent of the market. The Georgia Workers' Compensation Assigned Risk Plan The Georgia Workers' Compensation Assigned Risk Plan (Plan) is the residual market for workers' compensation coverage in Georgia. The plan is administered by the National Council on Compensation Insurance, Inc. (NCCI) which is appointed by the Commissioner. NCCI has the responsibility to ensure equity among carriers, conduct a bid process for servicing carriers, make random assignments based on Plan quotas, apply consistent rules, and oversee all financial accounting and reserving functions. Both direct assignment carriers and servicing carriers write workers' compensation insurance in the Plan. If an insurer writes workers' compensation insurance in Georgia, it must participate in the Plan. Participation is based on market share or percentage of written premium. The Plan is reinsured by all the workers' compensation carriers through a pooling arrangement. This can be accomplished by one of two ways. Carriers, prior to each calendar year, may elect to either request to be a direct assignment carrier, subject to the Commissioner's approval, or companies may participate in the pooling arrangement, where they could be subject to assessments if the business produced through the pooling arrangement operates at an ultimate loss. The business produced through the pooling Georgia Department of Insurance 13 2004 Annual Report arrangement is written by servicing carriers, which are chosen through a bid process conducted by NCCI and approved by the Commissioner. The servicing carriers are subject to predetermined service levels and are audited by NCCI to ensure compliance. A carrier may choose to be a direct assignment carrier, receiving quota requirements straight from NCCI, and then writing the policy as if it was one of their own. There is no reinsurance provided through the Plan to direct assignment carriers. The company is responsible for this policy just as if it were written voluntarily. The Georgia Workers' Compensation Assigned Risk Plan (GWCARP) experienced an increase in volume during the past few calendar years until 2004 when premium volume began to decrease. For plan years 2002 and 2003, the volume rose from $62 million to $72 million, respectively. The Plan volume reached a maximum during 2004 with $83 million, but volume has been steadily declining since March of 2004 and is currently at $78 million. The plan grew rapidly during Plan years 2001 and 2002. This can be directly attributed to the insolvency of Legion and Reliance, both Pennsylvania domestics. In spite of the past growth in volume in the GWCARP, Georgia is still below the national average in residual market marketshare, as Georgia's share is 7.8 percent compared to the national average of 12.2 percent. The Fair Plan The Fair Plan assists consumers who may have difficulty in obtaining insurance for their homes or commercial property. Since lienholders require insurance coverage to protect their interests, the Fair Plan is essential to these individuals. The Fair Plan grew steadily from 1991 to 1998, with written premium increasing from $2,657,556 to $10,684,277, respectively. For the period 1998 to 2002, the premium volume stabilized as demonstrated by the calendar year 2000 premium volume of $10,201,713 and calendar year 2001 premium volume of $10,542,309. For the 2002 and 2003 Plan years, premium rose to $13,144,818 and $16,136,000, respectively. 2004 premiums only grew by 4 percent. While the market share of the Fair Plan, as compared to total market, is negligible, it continues to be an important source of insurance coverage. coverage to the benefit of consumers. The 2002 Homeowners premium made up 44% of the Plan's volume. Actions resulting in the filing of lower rates O.C.G.A. 33-2-8.1(f) requires a summary of "actions taken by the department on personal lines property and casualty filings that result in the filing of lower rates by insurance companies and estimates of the amount of money saved by consumers as a result of such actions." Personal lines coverages include private passenger automobile, homeowners, dwelling fire, personal umbrella and other miscellaneous coverages. Actions on filings may be separated into three (3) categories: (1) approval/ acknowledgement of rate decreases, (2) negotiating with companies to lower the amount of requested rate increase or increase the amount of a requested decrease, and (3) disapproval of increases. Of the personal lines filings received during 2004, the Department approved or acknowledged twenty-seven (27) rate decreases, resulting in savings of $22,743,921 for Georgia consumers when compared to previously filed rates. The department negotiated rate changes lower than companies requested on thirty-one (31) filings, resulting in savings of $12,929,806 when compared to requested rate changes. The Department disapproved four (4) filings saving the consumers an additional $1,629,393. The personal lines savings resulting from the actions of this Department for 2004 was $37,303,120. Prior to 1995, the Fair Plan issued only Dwelling Fire and Extended Coverage policies for residential property. These policies offer substantially less coverage than standard Homeowners policies. In 1995, the Fair Plan made a Homeowners policy available which has provided broader Georgia Department of Insurance 14 2004 Annual Report Private Review Agents Report 2004 Report of Private Review Agents Operating under O.C.G.A. Chapter 33-46 This Report is prepared in order to comply with O.C.G.A. Section 33-46-14 which requires the Commissioner of Insurance to issue an Annual Report to the Governor and the General Assembly concerning the conduct of utilization review in the state. Description of Utilization Review Programs For the reporting year of 2004 one hundred eighteen (118) entities were certified in Georgia under the supervision of the Commissioner of Insurance as Private Review Agents, as defined in O.C.G.A. Section 33-46-2(9), performing utilization review activities relating to the provision of medical care. In 2004, Private Review Agents reported that their utilization review services were either performed for or available to plans covering some 9,769,064 lives, including an estimated 7,200,000 Georgians. Utilization review programs within the state are classified into six (6) major categories i.e., Medical, Surgical, Chiropractic, Maternity, Chemical Dependency/Substance Abuse, Mental Health, and Other. Within these six (6) categories, Private Review Agents provided such utilization review services as: "Prospective Review, in which a proposed schedule of treatment, including patient care, discharge plans, policies, or procedures that specify how care will be provided, is evaluated; Concurrent Review, in which routine medical procedures are monitored during the course of hospitalization or treatment to ensure that appropriate care is delivered; and Retrospective Review, in which audits of selected medical records help payers assure that appropriate care was provided and billed. " 1 There is one more utilization review service type entitled "other" which includes those reviews which may not be directly related to medical necessity or appropriateness, such as benefit determination reviews. 2004 Report of Private Review Agents Page two An analysis of these utilization review programs is detailed below: BENEFITREVIEWPROGRAM TYPE MEDICAL SURGERY CHIROPRACTIC MATERNITY CHEMICAL DEPENDENCY MENTAL HEALTH OTHER %OFPRIVATE REVIEWAGENTS OFFERINGTHISTYPE OFREVIEWPROGRAM % CASES OF THIS TYPE REVIEWED 74% 30% 72% 22% 23% 3% 56% 3% 57% 2% 60% 15% 55% 25% An analysis of the utilization review services performed are detailed below: Georgia Department of Insurance 15 2004 Annual Report SERVICE PERFORMED PROSPECTIVE REVIEW CONCURRENT REVIEW RETROSPECTIVE REVIEW OTHER % OF PRIVATE REVIEWAGENTS PERFORMING SERVICE 93% 83% 71% 13% NUMBER OF REVIEW SERVICES PERFORMED IN 2004 562,265 408,760 225,073 4,996 Private Review Agents operating in the state reported authorization of 324,843 hospital admissions for acute care in 2004. Analysis of Complaints Filed Against Private Review Agents Reporting required by Private Review Agents on non-clinical (administrative or paperwork rather than medical issues) consumer complaints regarding utilization review indicates that complaints are few in relation to the 7.2 million reported Georgians covered and the 1,201,094 review services performed. A separate review of actual consumer complaint records handled through the Consumer Services Division of the Office of Commissioner of Insurance indicates that there is no statistically significant level of amounts or types of complaints regarding utilization review as administered by Private Review Agents. These findings are consistent with our analysis of the last few years. Evaluation of Impact of Utilization Review Programs on Patient Access to Care Private Review Agents who provide utilization review programs in the state continue to perform services for health care insurers involving significant numbers of Georgia insureds in the administration of health insurance plans in Georgia in compliance with the legislative purposes and intent as stated in O.C.G.A. Section 33-46-1(a). The number of covered lives, the frequency of most review types performed, the diversity of utilization review programs offered, and the extremely low levels of consumer complaints in relation to these indicate that utilization review activities in this state are being administered by Private Review Agents in compliance with O.C.G.A. Chapter 33-46 and the Rules and Regulations promulgated by the Commissioner of Insurance. According to the data reviewed in the annual reports filed by Private Review Agents, we conclude that utilization review programs do not impair patient access to care. .............................. 1 Fazen, Ph.D., Marianne F. Managed Care Desk Reference: The Complete Guide to Terminology and Resources. Reston: St. Anthony's Publishing, Inc., 1996. Appendix A Comparison of Selected Private Review Agent Data by Years 1996 through 2004 SERVICE PERFORMED Prospective Review Concurrent Review Retrospective Review Other 1996 156,999 144,872 10,309 11,575 Prospective Review Concurrent Review Retrospective Review Other 2001 27,756 304,086 109,734 6,472 NUMBER OF REVIEW SERVICES PERFORMED IN YEAR 1997 276,190 232,230 13,134 17,054 1998 420,266 330,781 21,723 61,693 1999 671,268 334,961 43,933 8,336 2000 1,197,281 209,754 33,970 10,236 2002 777,168 545,846 119,949 18,352 2003 626,714 583,447 76,673 6,524 2004 562,265 408,760 225,073 4,996 Georgia Department of Insurance 16 2004 Annual Report GEORGIA- COVERED LIVES 1996 1,265,083 1997 2,189,910 1998 4,629,058 2003 7,100,000 2004 7,200,000 HOSPITAL ADMISSIONS 1996 158,795 1997 132,608 1998 254,222 2003 270,091 2004 327,843 1999 4,480,731 1999 342,944 2000 5,331,792 2000 257,644 2001 6,161,702 2001 253,782 2002 6,800,000 2002 269,698 REVIEW SERVICES PERFORMED 1996 323,755 1997 538,608 1998 834,463 2003 1,293,119 2004 1,201,094 1999 1,058,498 2000 1,451,241 2001 1,148,048 2002 1,461,315 Georgia Department of Insurance 17 2004 Annual Report Regulatory Data Provider-sponsored Health Care Corporations, as of December 31, 2004 HMO Financials, as of December 31, 2004 Hospitals, Medical and Dental Service or Indemnity Corporations, as of December 31, 2004 Automobile Self-insurers, as of December 31, 2004 Licensed Farmers' Mutual Fire Insurance Companies, as of December 31, 2004 Licensed Workers' Compensation Group Self-insurance Funds, as of December 31, 2004 Domestic Life and Health Companies, as of December 31, 2004 Foreign Life and Health Companies, as of December 31, 2004 Domestic Property and Casualty Companies, as of December 31, 2004 Foreign Property and Casualty Companies, as of December 31, 2004 Premium Finance Companies, as of December 31, 2004 Licensed Interlocal Risk Management Agencies, as of December 31, 2004 Risk Purchasing Groups, as of December 31, 2004 Risk Retention Groups, as of December 31, 2004 Licensed Georgia Captives, as of December 31, 2004 Third Party Administrators, as of December 31, 2004 Licensed Title Insurers, as of December 31, 2004 Georgia Department of Insurance 18 2004 Annual Report Georgia Department of Insurance Provider-Sponsored Health Care Corporations (Source: 2004 Health Annual Statements, Reporting Entities Only) COMPANY NAME ALLIANT HEALTH PLANS, INC. EVERGREEN HEALTH PLAN, INC. MEMORIAL PROHEALTH, INC. TOTALS Assets 10,566,400 7,759,496 0 $18,325,896 Liabilities 4,943,461 3,631,895 0 $8,575,356 Net Worth 5,622,939 4,127,601 0 $9,750,540 Premium Revenue 28,114,960 27,301,585 0 $55,416,545 Total Revenues 28,114,960 27,301,585 0 $55,416,545 Net Income (Loss) 1,508,595 1,320,787 0 $2,829,382 19 2004 Annual Report Georgia Department of Insurance HMO Financials COMPANY NAME AETNA HEALTH, INC. ATHENS AREA HEALTH PLAN SELECT, INC. BLUE CROSS & BLUE SHIELD HEALTHCARE OF GA CIGNA HEALTHCARE OF HEALTHCARE, INC. COVENTRY HEALTH CARE OF GA, INC. HEALTHCARE, INC. HUMANA EMPLOYERS HEALTH PLAN OF GA, INC. KAISER FOUNDATION HEALTH PLAN OF GEORGIA ONE HEALTH PLAN OF GEORGIA, INC. PROMINA HEALTH PLAN, INC. UNITED HEALTHCARE OF GA, INC. TOTALS Assets 110,156,709 12,895,156 235,115,990 44,773,415 24,596,159 12,852,421 21,658,101 163,080,091 14,390,674 4,028,712 59,891,174 $703,438,602 Liabilities 53,816,741 5,250,265 148,484,077 27,595,225 12,352,191 7,175,751 16,662,961 102,031,186 3,260,609 833,273 26,188,262 $403,650,541 Net Worth 56,339,968 7,644,891 86,631,914 17,178,190 12,243,969 5,676,670 4,995,141 61,048,905 11,130,065 3,195,439 33,702,912 $299,788,064 Premium Revenue 323,946,156 34,461,013 1,304,781,190 105,831,797 75,757,025 44,332,779 43,500,924 544,960,082 12,080,996 0 199,401,055 $2,689,053,017 Total Revenues 323,946,156 35,951,366 1,302,423,050 105,870,631 76,603,757 44,690,166 43,500,924 675,038,860 12,080,996 0 199,444,393 $2,819,550,299 Net Income (Loss) 5,366,266 (5,378,878) 19,047,647 3,716,374 2,450,871 1,137,637 (10,547,295) 8,219,038 1,031,208 (384,758) 7,572,513 $32,230,623 20 2004 Annual Report Georgia Department of Insurance Hospitals, Medical & Dental Service or Indemnity Corps COMPANY NAME Assets Liabilities Net Worth Premium Revenue Total Revenues Blue Cross and Blue Shield of Georgia, Inc. 1,022,036,896 615,062,828 406,974,068 2,259,215,710 2,260,160,387 TOTALS $1,022,036,896 $615,062,828 $406,974,068 $2,259,215,710 $2,260,160,387 Net Income (Loss) 151,262,977 $151,262,977 21 2004 Annual Report Georgia Department of Insurance Automobile Self Insurers NAME 1 ABETTERWAY RENTACAR 2 ALAMO RENTA CAR 3 ATLANTAGAS LIGHT (AGL Resources, Inc.) 4 ATLANTA METRO TAXICAB GROUP** 5 AVIS, INC. 6 BELLSOUTH TELECOMMUNICATIONS 7 C.W. MATTHEWS CONTRACTING 8 ENTERPRISE RENTA CAR - TENNESSEE 9 ENTERPRISE LEASING CO. - A FLORIDA CORP 10 ENTERPRISE LEASING CO. - SOUTH CENTRAL 11 ENTERPRISE LEASING CO. - SOUTHEAST 12 ENTERPRISE LEASING CO. OF GA 13 GEORGIA POWER COMPANY 14 HERTZ CORPORATION 15 HERTZ VEHICLES LLC 16 LIGHTNIN'TRUCK RENTALS 17 MARTA 18 MORGAN AUTO PARTS 19 NATIONAL CAR RENTAL SYSTEM * 20 NATIONAL SERVICE INDUSTRIES 21 PRIME SALES AND LEASING, INC. 22 RENTAL CAR FINANCE CORP. 23 SAVANNAH ELECTRIC & POWER 24 WINN-DIXIE STORES, INC. TOTALS LICENSED 1987 1992 1932 1968 1987 1992 1980 2000 2001 2000 2000 1987 1970 1974 2002 1986 1973 1989 1986 1979 1989 2004 1996 1975 VEHICLES 2,549 5,713 921 303 6,606 5,686 516 44 41 2,001 2,039 17,710 4,618 6,016 6,671 325 1,106 15 24 97 39 3,354 194 278 66,866 INSURER No No No Yes No No No No No No No No No No No No No No No No No No No No 22 2004 Annual Report Georgia Department of Insurance Licensed Farmers' Mutual Fire Insurance Companies GID# 1 1285 2 2645 3 2655 4 2695 5 2715 6 2725 7 3145 8 3435 9 3895 10 5495 11 6395 12 6715 13 6735 TOTALS DATE NAME LICENSED Bartow Mutual Insurance Company 4/2/35 Farmers Co-Operative Insurance Association 2/29/32 Farmers Fire Insurance Co. of Morgan County 11/21/74 Farmers Mutual Insurance Co. of GA 1/5/74 Farmers Mutual Insurance Asso. of GA 6/18/47 Farmers Mutual Insurance Assoc. of Walker County 1/3/74 Free State Cooperative Fire Insurance Co. 1/5/74 Gordon County Mutual Fire & Storm Insurance Co. 1/1/09 Henry County Mutual Fire Insurance Co. 2/4/24 Mutual Menonite Union Aid of GA 10/3/57 Peach Belt Farmers' Mutual Insurance Co. 9/29/64 Planter's Co-Operative Fire Insurance Assoc. 11/27/22 Planters & Peoples Mutual Fire Assoc./ Fulton 8/26/35 ASSETS 706,630 608,827 625,950 197,413 105,503 287,936 293,158 * 253,112 310,164 205,989 273,638 228,186 4,096,506 LIABILITIES 30,958 59,181 44,210 0 16,827 17,033 1,899 * 17,035 44,301 70,466 0 0 301,910 SURPLUS 675,672 549,646 581,740 197,413 88,676 270,903 291,259 * 236,077 265,863 135,523 273,638 228,186 3,794,596 GEORGIA PREM. WRITTEN 73,667 71,046 53,132 6,438 0 193,696 2,142 * 21,563 69,148 153,261 0 77,492 721,585 23 * The 2004 financial data for this entity is forthcoming 2004 Annual Report Georgia Department of Insurance Licensed Workers' Comp Group Self-Insurance Funds 24 SELF INSURED FUND 1 Agri-Trust of GA 2 American Apparel (Administrative Supervision) 3 Association of County Commissioners/GA 4 CompTrust Associated General Contractors 5 ConditionedAirAssociation of GA 6 Construction SuppliersAssociation 7 Dalton Floor Covering Market 8 GEMC WCF 9 GeorgiaAssociation of Convenience Stores 10 GeorgiaAssociation of Petroleum Retailers 11 GeorgiaAutomobile DealersAssociation of GA 12 Georgia Beverage Wholesalers 13 Georgia Education WC Trust 14 Georgia Highway ContractorsAssociation 15 Georgia Hospital Association WCF 16 Georgia Manufacturer WCF 17 Georgia Motor TruckingAssociation WCF 18 Georgia MoversAssociation WCF 19 Georgia MunicipalAssociation WCF 20 Georgia Nursing Home Selective WCF 21 Georgia Oilmen's WCF 22 Georgia Operators' SIF 23 Georgia Retail Merchants' WCF ADMINISTRATOR DATE GA Premium LICENSED As of 12/31/04 Key Risk Management 11/1/93 AON Risk Services, Inc. 3/11/92 Self 7/1/82 Sedgwick James & Co. of GA 6/8/82 Self 5/1/92 Self 10/1/82 GAAdmin. Svcs, Inc. 12/15/92 Sedgwick James & Co. of GA 10/1/82 First Oglethorpe Company 4/1/92 Program Admin. Specialists, Inc.7/1/92 Stowe Associates 5/1/82 Self 8/1/92 Sedgwick James & Co. of GA 12/1/92 AON Risk Services, Inc. 7/1/90 Allied ClaimsAdmin., Inc. 8/1/86 First Oglethorpe Company 6/30/95 TRM International, Inc. 11/15/90 Sedgwick James & Co. of GA 9/1/92 Self 10/1/82 TIS Healthcare Services 11/1/92 GAAdmin. Services, Inc. 2/1/91 Arthur J Gallagher & Co. 1/1/93 Cannon Cochran 12/1/91 Management Services, Inc. 6,311,528 0 22,055,971 9,013,292 0 4,300,766 0 4,568,644 0 N/A 13,966,456 n/a 6,989,147 0 9,013,931 0 n/a 0 18,387,387 3,540,327 5,884,952 3,340,893 0 SURPLUS 4,209,600 83,357 57,614,670 10,735,465 200,000 2,778,231 64,978 2,149,347 955,562 N/A 13,027,749 Self Dissolved 2,857,956 (20,924) 5,789,445 (171,365) Self Dissolved 252,225 58,031,522 568,563 359,695 1,655,840 716,970 2004 Annual Report 2004 Annual Report 25 Georgia Department of Insurance 24 Georgia School Boards Association WCF 25 Georgia Wholesalers and Retailers WCF 26 GTMA/ AYSA SIWCF 27 MetroAtlanta Landscape & TurfAssociation 28 Printing IndustryAssociation of GA 29 Roofing & Sheet Metal ContractorsAssociation 30 Southeastern Lumber Manufacturers SIF TOTALS Self 7/1/92 First Oglethorpe Company 12/29/92 Hewitt Coleman &Assoc., Inc. 4/1/92 O'Neal & Routson, Inc. 6/1/94 O'Neal & Routson, Inc. 1/1/93 American Professional 5/1/94 Risk Services, Inc. Self 10/1/89 3,393,627 0 1,408,621 0 0 2,351,058 0 114,526,600 1,358,423 2,571,096 212,203 156,559 365,965 1,578,391 1,723,049 169,824,572 Georgia Department of Insurance Domestic Life and Health Companies COMPANY NAME Assets Liabilities Net Worth Premium Revenue ATLANTA LIFE INSURANCE COMPANY 76,389,197 55,083,629 21,305,568 49,242,380 BANKERS FIDELITYLIFE INSURANCE COMPANY 116,206,759 80,714,622 35,492,137 66,784,907 CHEROKEE NATIONALLIFE INSURANCE CO. 36,102,886 27,872,706 8,230,180 24,007,610 COTTON STATES LIFE INSURANCE COMPANY 226,747,690 201,512,024 25,235,666 46,842,218 DELTA LIFE INSURANCE COMPANY 85,279,651 55,760,330 29,519,321 3,794,624 DIRECT LIFE INSURANCE COMPANY 24,485,494 10,086,655 14,398,839 17,825,139 FINANCIALLIFE INSURANCE COMPANYOF GA 11,778,487 4,337,581 7,440,905 0 FRANDISCO LIFE INSURANCE COMPANY 32,528,811 1,475,392 31,053,419 8,319,842 GREATER GEORGIALIFE INSURANCE COMPANY 41,642,844 16,611,244 25,031,600 25,249,710 LIFE INSURANCE COMPANY OF GEORGIA 1,914,821,700 1,804,715,548 110,106,152 118,731,301 LIFE OF THE SOUTH INSURANCE COMPANY 46,024,194 33,355,955 12,668,239 30,741,254 MUNICHAMERICAN REASSURANCE COMPANY 3,344,700,563 2,848,921,399 495,779,164 733,295,134 SENIOR LIFE INSURANCE COMPANY 9,658,225 4,928,044 4,730,181 7,994,205 STATE MUTUAL INSURANCE COMPANY 335,066,765 312,147,492 22,919,273 20,402,730 STERLING INVESTORS LIFE INSURANCE CO. 21,792,897 16,292,046 5,500,851 1,013,869 UNITED FAMILYLIFE INSURANCE COMPANY 981,395,464 128,825,467 852,569,997 1,075,147 TOTALS $7,304,621,627 $5,602,640,134 $1,701,981,492 $1,155,320,070 Total Revenues Net Income (Loss) 55,067,916 156,016 72,277,733 4,616,441 27,610,815 1,605,805 59,127,170 (6,373,493) 4,687,223 (204,564) 18,404,447 5,234,536 887,502 946,595 9,372,947 3,561,027 26,761,676 4,265,748 234,460,825 8,177,398 50,373,429 271,304 1,089,089,363 1,406,616 8,837,149 7,686 70,912,155 3,282,834 3,329,304 (1,420,317) 10,410,858 8,224,153 $1,741,610,512 $33,757,785 26 2004 Annual Report Georgia Department of Insurance Foreign Life and Health Companies 27 COMPANY NAME GA Premium Revenue 5 Star Life Ins Co 3,299,868 AAA Life Ins Co 968,236 Acacia Life Ins Co 1,111,167 Academy Life Ins Co 2,639,349 Admiral Life Ins Co of America 0 Advance Ins Co 264,798 Advanta Life Ins Co 0 Aetna Health & Life Ins Co 0 Aetna Life Ins Co 236,034,155 AF&L Ins Co 1,273,062 AGL Life Assur Co 280,246 AIG Annuity Ins Co 137,675,127 AIG Life Ins Co 10,211,783 AIG SunAmerica Life Assur Co 49,280,719 Alfa Life Ins Corp 5,196,632 All Savers Ins Co 0 Allianz Life Ins Co Of NorthAmer 386,003,166 Allmerica Financial Life &Annuity 7,177,050 Allstate Assur Co 0 Allstate Life Ins Co 71,852,363 Alta Health & Life Ins Co 3,634,175 AmericanAmicable Life Ins Co Of TX 2,194,817 American Bankers Life Assur Co Of FL19,767,508 American Capitol Ins Co 31,141 American Comm Mut Ins Co 19,869 American Enterprise Life Ins Co 39,777,911 American Equity Invest Life Ins Co 47,901,308 American Family Life Asr Co Columbus140,193,596 American Fidelity Assur Co 22,095,199 Total Assets 138,423,187 246,179,243 1,647,321,330 456,475,034 8,839,602 7,442,341 5,323,756 1,261,186,369 27,017,720,427 138,950,604 1,935,594,520 50,842,157,593 13,584,991,500 29,749,409,623 904,589,275 3,924,600 41,676,313,533 11,533,971,274 11,397,576 72,004,933,498 185,106,084 269,584,953 895,439,784 72,962,851 158,915,014 8,701,154,730 7,960,767,070 49,277,784,452 2,736,842,510 Total Cap. & Surplus 49,318,833 34,482,890 237,312,371 53,234,617 8,700,584 6,589,245 4,786,651 123,980,928 2,448,149,572 (728,622) 11,949,440 3,532,026,966 739,951,211 840,000,528 161,992,040 3,423,400 2,233,968,924 555,629,177 7,626,400 3,655,913,764 68,271,236 40,267,278 131,125,383 5,848,929 87,883,217 525,884,889 608,930,298 2,795,377,172 176,507,508 Net Income (Loss) 1,142,354 (680,618) 50,973,027 5,328,147 135,171 1,230,830 705,248 (4,301,344) 566,362,236 (10,733,600) (443,714) 341,343,385 131,585,076 99,287,985 24,577,418 171,174 502,037,722 79,811,357 512,665 261,879,338 27,502,350 10,577,536 13,206,959 1,497,993 5,761,827 47,380,383 47,041,266 1,174,970,418 25,579,706 2004 Annual Report 2004 Annual Report 28 Georgia Department of Insurance American Fidelity Life Ins Co 1,226,302 American Financial Security Life 0 American Founders Life Ins Co 616,896 American Gen Assur Co 2,883,418 American Gen Life & Acc Ins Co 122,934,830 American Gen Life Ins Co 76,266,603 American Health & Life Ins Co 6,167,883 American Heritage Life Ins Co 25,458,969 American Income Life Ins Co 5,627,048 American Ins Co Of TX 44,096 American Intl Life Assr Co NY 4,870,242 American Investors Life Ins Co 14,351,240 American Life & Acc Ins Co Of KY 0 American Life Ins Co of NY 197,955 American Maturity Life Ins Co 0 American Medical & Life Ins Co 0 American Medical Security Life InsCo 19,756,720 American Memorial Life Ins Co 9,372,003 American Modern Life Ins Co 374 American Natl Ins Co 24,838,290 American Natl Life Ins Co Of TX 1,578,377 American Network Ins Co 21,754 American Partners Life Ins Co 3,178,032 American Phoenix Life & Reassur Co 0 American Pioneer Life Ins Co 11,633,938 American Public Life Ins Co 1,647,273 American Republic Ins Co 713,871 American Retirement Life Ins Co 0 American Skandia LifeAssur Corp 147,996,786 American Specialty Hlth Ins Co (6,981) American States Life Ins Co 898,319 American Travelers Assur Co 4,990,150 American United Life Ins Co 56,470,532 Americo Financial LifeAnnunity Ins 4,987,851 Americom Life &Annuity Ins Co 402,703 Ameritas Life Ins Corp 30,859,130 Ameritas Variable Life Ins Co 5,248,108 452,927,578 2,028,688 503,254,025 1,377,156,007 8,803,379,296 28,386,365,073 1,859,697,518 1,845,260,294 1,295,262,088 5,608,755 8,344,160,309 8,415,201,942 269,879,908 91,484,283 74,234,711 14,008,894 373,348,863 1,344,868,042 60,340,855 12,102,843,152 142,871,452 12,996,449 496,384,559 59,757,511 163,564,634 71,679,399 457,688,426 6,869,341 29,302,347,803 7,869,869 565,443,654 13,362,470 11,548,943,028 2,770,962,799 294,829,433 2,838,688,091 2,441,657,376 74,010,411 3,036,086 1,931,372 (48,313) 31,637,770 (1,529,230) 155,031,895 1,647,680 570,676,202 309,250,157 4,705,496,866 567,252,545 933,714,875 172,991,524 148,551,998 11,240,559 182,032,871 75,153,108 1,949,371 (49,402) 565,892,517 94,673,227 393,320,767 53,893,809 157,094,731 8,264,164 15,925,456 (8,898,529) 37,348,258 877,357 8,164,781 255,343 200,408,720 15,362,659 113,659,324 37,590,571 20,320,532 3,226,582 1,867,665,332 142,022,548 47,995,361 (1,627,912) 8,414,037 226,217 54,987,671 10,650,854 39,329,733 710,140 27,361,994 (6,331,034) 13,119,921 354,202 210,636,404 19,207,184 5,819,662 21,089 399,008,349 101,074,039 7,741,711 (12,224) 81,973,955 23,237,220 8,449,073 (4,183,756) 644,013,638 26,330,000 174,663,481 26,942,478 14,837,482 (2,817,659) 703,776,495 56,618,234 110,884,748 13,054,220 2004 Annual Report 29 Georgia Department of Insurance Amerus Life Ins Co Amica Life Ins Co Annuity & Life Reassur Amer Inc Annuity Investors Life Ins Co Anthem Life Ins Co Assurity Life Ins Co Aurora Natl Life Assur Co Auto Owners Life Ins Co Aviva Life Ins Co AXA Corp Solutions Life Reins Co AXA Equitable Life Ins Co AXA Life & Annuity Co Balboa Life Ins Co Baltimore Life Ins Co Bankers Life & Cas Co Bankers Life Ins Co Banner Life Ins Co BCS Life Ins Co Beneficial Life Ins Co Benicorp Ins Co Berkshire Hathaway Life Ins Co NE Berkshire Life Ins Co of Amer Best Life And Health Ins Co Boston Mut Life Ins Co Brokers Natl Life Assur Co Business Mens Assur Co Of Amer Canada Life Ins Co Of Amer Capitol Life Ins Co Caterpillar Life Ins Co Celtic Ins Co Central Natl Life Ins Co Omaha Central Reserve Life Ins Co Central Security Life Ins Co Central States H & L Co Of Omaha Central United Life Ins Co Centre Life Ins Co 18,164,969 1,495,830 107,819 786,093 475,171 1,451,849 1,433,655 5,698,275 4,580,219 0 409,826,312 2,338,870 545,991 2,151,621 28,301,339 663,450 13,484,221 114,007 795,633 5,688,684 440,964 4,314,703 432,655 7,645,128 3,887,798 5,677,977 111,705 0 0 5,327,645 32,239 1,297,647 36,529 3,100,794 4,002,824 398,308 6,785,025,168 800,880,223 58,919,695 1,288,150,992 252,461,462 1,103,232,322 3,524,209,732 1,508,270,415 5,210,559,788 640,456,087 105,307,513,612 525,711,549 114,168,160 795,244,533 7,864,419,522 118,828,271 1,172,483,792 155,049,034 2,856,669,693 32,839,420 3,495,458,566 1,772,413,340 18,428,104 747,124,777 24,071,871 2,152,237,178 2,638,027,198 275,698,322 148,451,942 102,112,719 12,111,243 82,894,132 74,884,547 338,323,229 380,512,699 1,696,084,564 351,504,883 79,437,896 128,457,002 10,317,643 10,765,664 (605,806) 48,199,562 (200,847) 63,654,345 5,016,105 107,281,900 10,414,378 263,628,674 (70,318,671) 172,959,240 9,833,632 346,995,724 (6,861,096) 329,784,485 46,735,844 4,331,497,888 564,137,043 85,748,918 7,250,659 84,490,869 7,683,007 46,078,057 8,638,574 418,701,305 27,789,735 7,459,917 984,726 321,428,435 (8,555,477) 69,873,900 5,332,611 233,211,163 26,263,960 18,801,171 4,160,182 566,904,608 (93,663,451) 259,701,525 (172,896) 9,663,765 582,205 67,238,093 4,230,492 13,438,168 2,216,169 146,395,306 14,298,245 173,427,570 (2,489,384) 7,265,337 (4,742,814) 43,095,001 (2,357,814) 48,537,488 5,963,039 11,799,507 189,285 38,319,608 310,743 6,120,560 1,890,719 65,750,646 (15,351,677) 35,436,948 (7,725,188) 70,091,332 (2,736,620) 2004 Annual Report 30 Georgia Department of Insurance Centurion Life Ins Co Charter Natl Life Ins Co Chase Ins Life and Annuity Co Chase Ins Life Co Chase Life & Annuity Co Chesapeake Life Ins Co Christian Fidelity Life Ins Co Cincinnati Life Ins Co Citicorp Life Ins Co Citizens Security Life Ins Co CM Life Ins Co Colonial Life & Accident Ins Co Colonial Penn Life Ins Co Colorado Bankers Life Ins Co Columbia Universal Life Ins Co Columbian Life Ins Co Columbian Mut Life Ins Co Columbus Life Ins Co Combined Ins Co Of Amer Commercial Travelers Mut Ins Co Commonwealth Dealers Life Ins Co Companion Life Ins Co Compbenefits Ins Co Concord Heritage Life Ins Co Inc Connecticut General Life Ins Co Conseco Health Ins Co Conseco Ins Co Conseco Life Ins Co Conseco Senior Health Ins Co Constitution Life Ins Co Continental American Ins Co Continental Assur Co Continental General Ins Co Continental Life Ins Co Brentwood Corporate Health Ins Co Coventry Health & Life Ins Co Cuna Mut Ins Society 424,586 49,890 11,771,048 7,694,895 4,678 2,511,478 70,851 8,059,943 36,250 1,179,128 25,529,157 36,898,945 5,422,037 653,882 357,327 5,537,827 223,486 1,633,315 24,544,936 662,290 47,129 4,352,604 9,574,987 10,885 106,169,039 5,953,607 997,402 11,847,465 6,538,151 496,056 813,175 13,384,027 19,333,115 11,084,684 4,359,321 8,984,474 49,274,628 1,051,376,093 288,283,390 5,370,134,221 356,850,209 384,564,664 90,201,233 79,602,507 2,155,577,464 1,076,687,776 109,733,414 8,992,243,473 1,504,904,207 774,680,564 114,933,707 26,345,807 231,251,664 318,261,884 2,326,784,630 2,667,827,015 35,161,938 29,750,755 88,379,566 31,056,684 38,828,680 50,665,306,025 1,980,546,226 4,899,708,339 3,951,266,862 3,001,956,606 85,516,848 62,537,226 6,037,735,773 444,667,179 113,166,490 98,055,972 125,863,686 3,124,014,741 854,231,914 8,604,115 399,749,675 96,579,207 104,224,376 25,926,229 20,981,028 438,669,875 863,241,356 10,755,568 396,785,970 294,909,886 36,506,738 14,041,287 11,498,731 24,331,324 39,263,129 261,659,983 839,419,795 10,524,028 5,986,848 51,045,564 20,634,757 5,033,634 2,430,686,215 110,929,112 352,014,320 219,043,150 126,325,798 10,828,788 15,890,128 1,176,699,688 68,966,059 36,611,397 64,348,769 56,348,324 724,660,136 43,910,619 775,400 44,698,325 (2,063,857) 14,481,374 (2,683,241) 2,409,935 28,272,381 29,489,252 1,636,500 24,692,332 104,483,370 13,176,853 2,491,035 3,541,718 (6,911,240) 506,633 6,479,349 166,845,159 1,962,258 1,691,734 6,128,812 7,395,101 (322,690) 815,650,615 3,277,810 18,853,191 20,582,620 (16,395,725) (1,457,695) 2,697,864 629,079,014 10,259,127 5,218,253 66,667,961 21,899,680 37,565,225 2004 Annual Report 31 Georgia Department of Insurance Cuna Mut Life Ins Co Delaware American Life Ins Co Delta Dental Ins Co Direct General Life Ins Co Dixie Natl Life Ins Co Educators Mut Life Ins Co EMC Natl Life Co Emphesys Ins Co Empire General Life Assur Corp Employees Life Co Mut Employers Life Ins Corp Employers Reassur Corp Equitrust Life Ins Co Family Heritage Life Ins Co Of Amer Family Life Ins Co Family Service Life Ins Co Farmers & Traders Life Ins Co Farmers New World Life Ins Co Federal Home Life Ins Co Federal Life Ins Co Federated Life Ins Co Fidelity & Guaranty Life Ins Co Fidelity Investments Life Ins Co Fidelity Life Assn Fidelity Life Ins Co Fidelity Security Life Ins Co Financial American Life Ins Co Financial Benefit Life Ins Co First Allmerica Fin Life Ins Co First Colony Life Ins Co First Continental Life & Acc First Dominion Mut Life Ins Co First Health Life & Health Ins Co First Investors Life Ins Co First Penn Pacific Life Ins Co Florida Combined Life Ins Co Inc Forethought Life Assur Co Forethought Life Ins Co 25,781,144 312,251 20,721,478 0 228,575 214,219 2,722,492 0 11,323,005 92,434 10,613,806 0 7,385,731 2,334,681 721,711 7 723,784 1,363,044 414,038 68,753 3,536,081 267,468,996 11,178,560 906,056 0 9,504,830 0 0 886,187 36,560,450 3,447 0 705,676 1,211,661 6,186,399 162,890 (35) 8,827,481 7,551,504,780 97,006,132 76,386,640 6,547,804 35,464,428 83,340,384 652,214,580 3,762,966 219,131,852 288,449,187 12,126,140 6,043,342,396 2,849,313,558 150,313,085 111,561,858 609,683,845 488,779,646 6,828,278,964 1,766,310,628 233,580,022 762,922,272 14,974,755,860 11,548,929,163 586,601,503 8,913,821 454,644,122 36,628,999 204,068,400 3,851,124,159 7,232,804,362 3,832,712 15,149,225 88,236,914 1,208,907,369 1,797,042,004 74,829,067 3,053,407,761 310,510,810 287,272,239 39,187,880 34,971,517 5,942,955 3,282,756 56,459,437 73,354,674 3,742,280 68,060,086 14,602,587 1,999,449 259,933,735 165,770,570 17,145,178 21,900,477 73,542,593 34,447,719 1,094,581,233 1,187,903,887 39,126,190 189,991,994 720,607,196 512,901,859 263,891,303 8,821,097 54,460,025 7,728,976 12,246,107 183,644,126 914,410,562 3,055,103 5,173,945 23,791,471 82,997,459 161,786,153 37,995,400 175,352,516 101,973,676 23,214,532 3,657,048 391,927 23,241 75,628 2,192,553 9,200,442 2,730 (16,624,016) 3,901,137 (3,842,836) (144,100,181) 22,942,681 5,235,779 (1,630,302) 17,970,958 2,246,600 164,163,783 498,324,512 (1,789,699) 22,550,396 (39,573,751) 56,445,798 16,368,013 172,204 4,976,414 (6,086,202) (836,972) 124,766,769 171,488,369 452,924 97,289 5,868,029 7,526,947 46,843,423 2,659,284 30,073,812 6,542,457 2004 Annual Report 32 Georgia Department of Insurance Fort Dearborn Life Ins Co Fortis Benefits Ins Co Fortis Ins Co Freedom Life Ins Co Of Amer Funeral Directors Life Ins Co Garden State Life Ins Co GE Grp Life Assur Co GE Life And Annuity Assur Co General American Life Ins Co General Electric Capital Assur Co General Fidelity Life Ins Co General Re Life Corp Generali USA Life Reassurance Co Gerber Life Ins Co Glenbrook Life & Annuity Co Globe Life & Accident Ins Co Golden Rule Ins Co Golden State Mut Life Ins Co Government Personnel Mut Life Ins Co Grange Life Ins Co Great American Life Assur Co Great American Life Ins Co Great Fidelity Life Ins Co Great Southern Life Ins Co Great West Life & Annuity Ins Co Great West Life Assur Co Great Western Ins Co Guarantee Trust Life Ins Co Guaranty Income Life Ins Co Guardian Ins & Annuity Co Inc Guardian Life Ins Co Of Amer Harleysville Life Ins Co Hart Life Ins Co Hartford Life & Accident Ins Co Hartford Life & Annuity Ins Co Hartford Life Grp Ins Co Hartford Life Ins Co 3,058,865 62,013,241 45,656,387 2,136,863 15,000 1,640,941 26,491,097 44,927,076 29,395,061 61,818,665 (304) 0 0 8,452,451 37,393,646 17,457,924 19,610,737 9,411 3,038,312 4,016,700 0 8,310,686 0 3,171,370 71,301,971 585,925 1,969,482 5,031,667 1,308,177 43,722,563 209,651,489 407,660 0 72,430,717 334,264,475 7,567,668 320,587,635 1,595,342,450 8,129,826,416 827,250,892 35,849,667 378,366,339 100,436,683 843,518,682 17,256,635,797 14,452,851,535 31,489,852,321 307,539,895 2,042,484,840 635,154,983 937,796,799 1,333,998,307 2,103,377,337 2,369,025,795 112,836,323 711,502,796 190,317,384 22,181,224 7,788,684,010 3,695,919 75,532,029 32,157,724,120 188,926,028 337,084,285 211,245,926 370,705,294 9,904,832,349 23,336,264,101 351,260,800 11,287,828 10,838,224,006 69,726,526,882 2,698,416,709 112,861,251,582 331,674,098 584,176,678 246,037,906 9,362,773 37,094,469 33,258,517 212,973,404 817,203,169 1,297,257,923 3,183,915,298 241,856,396 355,873,465 239,771,587 148,602,792 174,508,528 326,531,817 274,635,709 8,308,882 78,287,677 19,974,034 7,598,134 577,939,451 2,521,317 26,888,315 1,477,424,716 51,142,675 24,023,179 31,477,644 15,981,043 230,832,831 2,905,286,423 24,389,066 11,265,098 5,117,927,796 1,307,991,961 516,643,490 3,191,896,439 24,560,458 123,809,867 127,774,141 790,098 3,352,985 (1,436,916) 19,980,382 105,825,952 (80,300,762) 1,052,772,409 15,302,986 39,730,945 (1,084,989) 25,286,258 6,578,470 131,086,016 106,133,256 473,411 8,377,287 482,866 214,798 80,983,555 (12,912) (784,860) 402,340,751 2,336,081 5,151,028 (1,789,525) (185,998) 13,823,937 285,525,308 2,103,298 235,881 771,874,691 256,679,307 44,185,570 535,640,215 2004 Annual Report 33 Georgia Department of Insurance HCC Life Ins Co HCSC Ins Services Co Health Net Life Ins Co Heritage Life Ins Co Highmark Life Ins Co Home Owners Life Ins Co Homesteaders Life Co Horace Mann Life Ins Co Household Life Ins Co Humana Ins Co Humanadental Ins Co Idealife Ins Co IDS Life Ins Co Illinois Mut Life Ins Co Independence Life & Annuity Co Indianapolis Life Ins Co Individual Assur Co Life Hlth & Acc ING Ins Co Of America Ing Life Ins & Annuity Co ING USAAnnuity and LIfe Ins Co Integrity Life Ins Co Investors Consolidated Ins Co Investors Guaranty Life Ins Co Investors Heritage Life Ins Co Investors Ins Corp Investors Life Ins Co North Amer Jackson Natl Life Ins Co Jefferson Natl Life Ins Co Jefferson Pilot Financial Ins Co Jefferson Pilot Life Ins Co Jefferson Pilot Lifeamerica Ins Co Jefferson Standard Life Ins Co JMIC Life Ins Co John Alden Life Ins Co John Hancock Life Ins Co John Hancock Variable Life Ins Co Kaiser Permanente Ins Co Kanawha Ins Co 22,672,973 0 0 (3,525) 19,705,761 0 3,495,069 12,325,026 4,108,420 102,299,320 8,650,087 136,453 135,466,626 4,232,605 0 7,594,789 1,115 12,700 98,679,639 127,445,988 3,027,329 23,822 17,233 3,269,219 27,966 908,859 96,322,817 3,930,501 55,023,109 86,287,192 156,822 0 5,020,652 22,966,495 33,298,333 46,075,468 7,409,297 3,129,311 240,886,137 19,228,729 344,114,747 60,996,039 366,005,021 34,069,349 1,070,228,883 4,163,229,765 1,064,060,860 928,892,069 77,088,949 20,706,873 53,108,473,672 1,116,233,616 172,037,977 3,657,202,627 47,669,351 737,841,275 53,114,988,995 48,007,142,135 4,020,823,063 14,747,780 7,607,068 323,858,388 230,214,774 1,060,055,315 53,721,692,773 1,699,317,858 12,610,163,973 15,565,508,215 1,431,727,116 8,989,494 235,850,631 667,419,495 73,282,666,721 13,399,903,770 76,248,912 539,002,080 129,984,712 18,214,300 168,595,770 51,602,743 116,817,784 9,437,840 60,454,539 230,108,022 452,843,034 375,784,333 57,375,482 11,866,248 2,276,724,003 122,455,429 45,750,849 235,589,713 11,990,670 75,188,512 1,346,998,483 1,668,309,773 244,995,637 5,577,044 7,352,637 17,481,020 25,535,138 34,094,568 3,140,683,432 51,821,869 1,037,405,297 892,633,536 107,795,391 8,215,974 76,057,251 149,967,545 4,084,516,184 810,793,775 36,952,326 83,707,749 27,155,197 170,984 16,647,777 3,185,705 11,470,891 (1,428,528) 5,916,994 19,736,456 103,176,360 57,352,666 17,721,029 2,436,374 379,950,237 6,465,322 3,302,166 27,320,132 (1,058,383) 6,168,882 217,171,124 96,097,684 29,274,906 (538,305) 125,277 1,117,246 (901,036) (1,560,242) 616,298,608 6,224,462 205,531,454 93,598,538 (4,675,914) 126,333 7,173,824 47,505,868 481,902,299 162,234,673 2,973,439 (1,745,291) 2004 Annual Report 34 Georgia Department of Insurance Kansas City Life Ins Co Kemper Investors Life Ins Co Lafayette Life Ins Co Liberty Bankers Life Ins Co Liberty Life Assur Co Of Boston Liberty Life Ins Co Liberty Natl Life Ins Co Life Ins Co Of AL Life Ins Co Of North Amer Life Ins Co Of The Southwest Life Investors Ins Co Of Amer Lincoln Benefit Life Co Lincoln Heritage Life Ins Co Lincoln Memorial Life Ins Co Lincoln Natl Life Ins Co London Life Reins Co Loyal American Life Ins Co Madison Natl Life Ins Co Inc Magellan Life Ins Co Magna Ins Co Manhattan Life Ins Co Manhattan Natl Life Ins Co Manufacturers Life Ins Co Of Amer Manufacturers Life Ins Co USA Manulife Ins Co Massachusetts Mut Life Ins Co Mayflower Natl Life Ins Co Medamerica Ins Co Medco Containment Life Ins Co Medical Savings Ins Co Medico Life Ins Co Mega Life & Health Ins Co The Members Life Ins Co Merit Life Ins Co Merrill Lynch Life Ins Co MetLIfe Investors Ins Co MetLife Investors USA Ins Co Metropolitan Life Ins Co 8,599,204 5,495,260 2,552,335 75,608 18,169,877 5,538,215 96,035,106 3,827,968 69,605,421 17,763,353 23,570,660 106,880,225 7,572,653 269,906 327,677,194 336,085 1,177,790 2,410,304 0 48,220 421,489 1,212,701 0 294,622,565 119,067 224,296,478 6,980,952 92,182 0 0 180,400 35,664,542 19,368 4,440,305 23,826,502 13,960,624 45,867,379 891,225,040 3,310,950,331 16,758,957,945 1,672,672,230 239,659,587 8,228,430,361 1,572,075,098 4,340,420,773 64,840,370 5,321,939,592 4,043,196,912 10,816,945,853 2,683,302,879 485,846,206 91,937,517 87,081,133,226 849,796,747 501,782,702 601,350,537 5,356,400 72,170,968 350,442,258 275,648,924 8,464,489 73,775,899,932 561,586,898 95,586,708,231 220,419,112 276,895,375 40,563,870 56,830,064 136,678,131 1,269,139,851 807,112,686 1,024,135,760 14,320,158,984 8,480,255,618 14,589,557,733 244,236,104,468 290,288,508 384,463,667 110,208,772 14,806,293 302,619,427 298,025,779 443,415,509 10,940,253 660,301,137 219,316,435 606,261,189 255,471,227 72,595,443 10,912,656 2,961,191,719 68,016,164 94,100,632 135,681,948 4,482,482 14,105,661 40,047,856 42,966,358 8,231,799 1,164,925,136 115,966,813 6,290,174,025 45,960,325 21,218,927 38,988,122 8,416,817 16,221,194 307,527,390 46,613,978 613,502,325 284,765,441 182,442,119 381,550,307 8,804,494,863 79,393,800 34,065,877 1,328,303 6,437,855 (20,329,676) 16,048,284 148,515,885 1,600,940 96,270,103 35,486,299 91,520,545 7,352,743 6,380,446 1,543,001 242,089,768 4,031,274 14,267,040 4,939,457 979,578 (326,564) 4,718,644 7,968,863 255,256 304,136,012 10,562,760 296,619,469 52,337,278 (4,630,467) 3,003,511 631,633 588,643 80,467,988 448,203 56,871,735 79,115,314 (168,432,643) (200,656,027) 2,648,195,131 2004 Annual Report 35 Georgia Department of Insurance Metropolitan Tower Life Ins Co MIC Life Ins Corp Mid Continent Preferred Life Ins Co Mid South Ins Co Mid West Natl Life Ins Co Of TN Midamerica Life Ins Co Midland Natl Life Ins Co Midwestern United Life Ins Co Minnesota Life Ins Co MML Bay State Life Ins Co Monarch Life Ins Co Monumental Life Ins Co Mony Life Ins Co Mony Life Ins Co Of Amer Motorists Life Ins Co Mountain Life Ins Co MS Life Ins Co MTL Ins Co Mutual Of Amer Life Ins Co Mutual Of Omaha Ins Co Mutual Protective Ins Co Mutual Savings Life Ins Co Mutual Service Life Ins Co National Benefit Life Ins Co National Financial Ins Co National Foundation Life Ins Co National Guardian Life Ins Co National Health Ins Co National Life Ins Co National Security Ins Co National States Ins Co National Teachers Assoc Life Ins Co National Western Life Ins Co Nationsbanc Ins Co Inc Nationwide Life & Ann Co of Amer Nationwide Life And Annuity Ins Co Nationwide Life Ins Co 4,281,886 24,160 0 833,593 13,435,911 0 78,272,533 55,741 64,860,135 2,195,764 522,718 48,009,267 11,577,669 13,729,174 70,107 962,223 (3,644) 5,143,497 31,747,215 45,435,905 1,546,781 2,419,501 8,169 1,073,196 381,261 911,490 742,714 3,185,559 33,084,687 1,161,513 5,033,220 927,369 15,027,614 919,881 285,921 13,257,559 208,889,060 6,537,902,128 17,589,788 5,380,754 22,420,224 433,581,096 8,770,095 16,123,539,373 259,117,117 20,014,427,919 4,307,213,112 1,010,615,830 19,261,229,829 11,019,419,361 6,362,551,518 293,212,622 12,295,026 32,672,961 1,177,404,466 11,486,923,257 4,012,021,304 277,619,012 417,923,356 371,460,457 781,393,729 13,347,371 48,645,649 1,295,290,809 33,815,753 7,584,802,277 42,178,507 118,484,132 105,994,136 5,293,472,472 286,283,484 1,052,411,277 8,319,171,061 90,735,077,068 1,195,180,507 14,809,570 3,119,310 20,339,964 140,941,092 8,529,822 811,178,738 83,575,277 1,419,448,755 222,521,889 11,823,339 936,702,602 830,885,819 231,490,153 49,498,061 3,375,548 15,236,437 96,642,254 676,716,523 1,737,848,716 21,475,387 21,422,857 43,639,809 295,402,374 1,658,061 9,006,860 135,294,069 11,368,164 542,436,617 10,298,012 13,993,529 16,970,919 526,083,964 176,389,479 54,532,692 230,186,196 2,391,018,563 143,972,596 2,111,556 (472,419) 2,588,235 64,847,842 61,066 180,807,899 5,668,440 155,796,105 47,285,400 3,903,601 328,012,327 (307,218,903) (83,362,343) 1,402,238 106,488 1,076,158 7,606,341 18,170,986 93,485,575 (2,022,437) 10,084,415 2,269,298 34,879,363 258,319 1,569,300 13,903,765 (3,853,665) 65,974,537 291,961 (2,792,341) 3,206,300 54,215,847 23,079,419 12,130,018 12,549,474 317,724,294 2004 Annual Report 36 Georgia Department of Insurance Nationwide Life Ins Co of Amer 8,115,075 New England Life Ins Co 31,710,273 New Era Life Ins Co 8,479,563 New York Life Ins & Annuity Corp 116,109,321 New York Life Ins Co 113,186,130 NGL American Life Co 10,197 Nippon Life Ins Co Of Amer 4,351,430 NorthAmerican Co Life & Hlth Ins 16,177,084 North Carolina Mut Life Ins Co 842,423 Northwestern Long Term Care Ins Co 1,806,136 Northwestern Mut Life Ins Co 266,114,147 Nutmeg Life Ins Co 0 NYLife Ins Co Of AZ 2,249,891 Occidental Life Ins Co Of NC 1,599,331 Ohio Natl Life Assur Corp 10,404,133 Ohio Natl Life Ins Co 10,032,737 Ohio State Life Ins Co 1,067,151 Old American Ins Co 1,583,298 Old Dominion Life Ins Co 0 Old Republic Life Ins Co 1,128,563 Old Spartan Life Ins Co Inc 4,030,962 Old United Life Ins Co 581,208 Optimum Re Ins Co 0 Oxford Life Ins Co 224,755 Ozark Natl Life Ins Co 112,258 Pacific Life & Annuity Co 25,202,624 Pacific Life Ins Co 241,030,166 Pacificare Life & Health Ins Co 22,320 Pan American Assur Co 1,214,561 Pan American Life Ins Co 1,238,014 Paragon Life Ins Co 2,980,344 Park Avenue Life Ins Co 48,520 Parker Centennial Assur Co (1,834) Paul Revere Life Ins Co 16,086,610 Paul Revere VariableAnnuity Ins Co 88,925 Peninsular Life Ins Co 9,961 Penn Ins & Annuity Co 229,108 6,657,766,745 10,034,091,644 202,245,023 56,282,521,849 101,303,785,470 124,793,604 158,593,639 4,568,701,054 161,465,492 114,430,891 123,906,728,557 9,427,514 124,988,925 259,667,272 1,982,843,717 9,659,737,037 14,218,279 264,354,566 7,659,956 109,178,465 23,898,821 64,698,753 46,306,396 689,351,599 493,835,684 1,348,980,986 68,467,250,951 206,237,080 22,542,666 1,607,494,374 528,163,916 494,395,239 37,246,926 5,281,316,160 147,639,557 5,945,004 1,222,624,103 576,526,417 372,376,791 33,614,576 2,008,845,401 9,707,782,261 22,437,581 105,908,394 401,281,419 19,977,432 55,343,729 8,933,951,113 9,415,893 36,179,771 23,567,362 138,327,269 686,364,513 6,215,714 23,823,481 7,591,232 23,825,993 17,069,148 30,014,354 21,825,535 85,641,010 65,718,275 308,125,894 2,814,156,600 93,182,940 12,294,706 222,861,397 24,857,628 162,328,085 37,174,166 1,117,770,876 121,174,807 5,858,413 111,845,766 126,351,883 72,612,708 441,393 224,439,710 984,212,920 3,299,406 6,654,900 55,254,934 (649,898) (7,019,538) 823,687,377 151,073 (11,635,711) 4,129,691 6,718,270 73,471,789 (262,376) 6,660,812 159,953 (2,806,917) 1,444,789 4,227,181 91,820 12,980,971 16,779,451 34,652,619 507,656,676 151,520,269 (384,934) 14,981,658 (2,714,817) 29,442,245 291,824 91,141,338 8,711,448 65,424 23,752,209 2004 Annual Report 37 Georgia Department of Insurance Penn Mut Life Ins Co 16,557,690 Penn Treaty Network Amer Ins Co 4,061,770 Pennsylvania Life Ins Co 996,449 Peoples Benefit Life Ins Co 17,434,201 Pharmacists Life Ins Co 23,515 PhiladelphiaAmerican Life Ins Co 2,312,085 PHL Variable Ins Co 16,522,454 Phoenix Life Ins Co 27,525,455 Phoenix Natl Ins Co 29,053 Physicians Life Ins Co 7,374,570 Physicians Mut Ins Co 8,474,484 Pioneer American Ins Co 206,803 Pioneer Mut Life Ins Co 24,473 Pioneer Security Life Ins Co 203,168 Plateau Ins Co 11,377 Presidential Life Ins Co 2,051,898 Primerica Life Ins Co 61,171,771 Principal Hlth Ins Co 0 Principal Life Ins Co 454,740,377 Professional Ins Co 5,231,288 Protective LifeAndAnnuity Ins Co 38,517 Protective Life Ins Co 42,547,125 ProvidentAmer Life & Hlth Ins Co 913,912 Provident Life & Accident Ins Co 59,795,423 Provident Life & Cas Ins Co 314,710 Pruco Life Ins Co 86,336,509 Prudential Ins Co Of Amer 246,213,429 Prudential Retirement Ins &Anuty Co 164,466 Prudential Select L I C Of Amer 0 Pyramid Life Ins Co 1,132,685 Reassure America Life Ins Co 14,190,489 Reliable Life Ins Co 29,248 Reliance Life Ins Co (733) Reliance Standard Life Ins Co 41,689,913 Reliastar Life Ins Co 95,405,758 Reliastar Life Ins Co Of NY 1,810,834 Renaissance Life & Health Ins Co 0 8,709,472,657 108,413,901 544,847,431 14,323,126,040 29,273,943 90,945,713 5,567,295,725 16,704,928,306 14,054,336 1,301,485,947 1,202,193,014 39,747,772 464,061,806 78,179,815 20,579,494 4,329,443,889 5,553,177,659 13,785,298 101,495,612,634 67,288,388 671,991,176 17,517,151,706 6,244,479 7,850,589,659 639,961,469 22,252,441,940 207,012,442,219 22,876,731,990 9,351,050 127,966,865 11,413,596,912 688,989,536 9,336,035 2,420,889,843 21,563,437,671 2,679,545,380 5,915,360 1,157,588,840 23,812,130 61,210,386 615,052,295 6,864,957 13,278,169 245,830,598 809,215,796 13,481,388 78,926,121 668,541,850 10,200,480 31,703,414 62,719,413 9,953,684 215,390,824 1,817,879,049 10,823,018 3,046,767,837 15,712,208 105,382,771 1,315,719,182 3,857,206 1,419,556,999 84,572,953 571,506,751 8,420,497,893 1,027,388,677 9,351,050 27,469,306 579,249,910 79,333,149 9,180,578 325,399,398 1,538,492,277 260,863,379 5,211,183 79,791,052 (6,114,560) 12,679,797 138,731,574 20,628 949,358 (3,254,009) 47,093,498 468,232 1,138,189 49,073,265 1,108,899 2,482,362 13,096,820 198,601 (43,564,539) 262,968,089 156,866 512,654,458 (764,490) 14,668,506 235,756,369 (1,571,909) 329,869,654 (3,222,295) (4,241,676) 1,877,636,971 122,232,666 400,893 2,111,939 154,815,128 9,731,286 89,175 27,501,930 185,523,089 18,574,453 (466,898) 2004 Annual Report 38 Georgia Department of Insurance Republic American Life Ins Co Reserve Natl Ins Co Resource Life Ins Co Revios Reins US Inc RGA Reins Co S USA Life Ins Co Inc Safehealth Life Ins Co Sage Life Assur Of Amer Inc Scor Life Ins Co SCOR Life US Re Ins Co Scottish Re Life Corp Scottish Re Us Inc Sears Life Ins Co Securian Life Ins Co Security Benefit Life Ins Co Security Financial Life Ins Co Security Life Ins Co Of Amer Security Life Of Denver Ins Co Security Mut Life Ins Co Of NY Sentry Life Ins Co Servus Life Ins Co Settlers Life Ins Co Shenandoah Life Ins Co Sierra Health & Life Ins Co Inc Southern Capital Life Ins Co Southern Farm Bureau Life Ins Co Southern Pioneer Life Ins Co Southern Security Life Ins Co Southland Natl Ins Corp Southwestern Life Ins Co Standard Ins Co Standard Life & Accident Ins Co Standard Life & Cas Ins Co Standard Life Ins Co Of IN Standard Security Life Ins Co Of NY Starmount Life Ins Co State Farm Annuity & Life Ins Co 159,502 327,416 2,973,069 0 0 4,492 110,956 0 5,533 0 0 0 56,524 29,239 64,966,679 313,825 4,041,054 40,038,338 3,586,289 6,326,972 2,370 629,378 22,454,296 0 0 79,688,415 0 1,035,242 3,720,878 10,934,059 58,278,355 4,140,378 271,193 7,096,423 4,454,016 147,449 0 3,634,907 96,783,635 145,946,493 317,594,649 8,973,224,452 12,313,846 25,057,286 127,236,312 422,938,514 2,218,386,174 630,787,413 2,244,814,903 72,213,891 15,884,840 10,242,646,155 765,124,230 74,006,821 21,150,022,452 1,864,709,073 2,623,417,574 11,579,840 241,392,876 1,406,524,689 74,749,232 5,926,560 8,776,886,065 23,057,161 56,118,640 124,692,823 1,745,509,439 9,688,685,604 486,577,493 19,447,053 1,699,028,111 273,640,261 13,416,689 7,781,458 2,779,785 36,277,558 33,133,431 37,439,355 869,442,804 11,550,849 12,323,148 12,172,858 18,961,619 60,077,269 75,511,410 253,685,489 58,987,176 13,118,918 591,118,228 78,172,480 11,802,359 1,069,745,869 94,296,885 214,512,191 10,983,241 21,143,681 117,356,349 38,389,015 5,799,460 1,116,381,790 5,772,281 10,877,112 9,439,004 162,554,459 926,196,550 187,726,397 3,389,940 69,907,499 105,489,693 6,501,520 7,759,818 (259,068) 8,843,507 310,066 (28,339,374) 117,378,054 (936,094) (128,915) 1,558,310 1,962,015 (7,168,472) (61,592,883) (15,188,540) (1,535,808) (266,994) 73,950,935 5,625,499 3,216,289 41,278,843 (3,063,031) 23,173,249 147,957 2,952,690 778,836 12,915,430 186,365 136,308,101 1,463,749 (525,237) (1,076,510) 31,687,723 195,572,583 20,546,823 73,177 2,793,745 12,123,074 1,688,982 90,823 2004 Annual Report 39 Georgia Department of Insurance State Farm Life Ins Co State Life Ins Co Sterling Life Ins Co Stonebridge Life Ins Co Sun Life Assur Co Of Canada US Sunamerica Life Ins Co Sunset Life Ins Co Of Amer Suntrust Ins Co Surety Life Ins Co Swiss Re Life & Health Amer Inc Symetra Life Ins Co Symetra Natl Life Ins Co Teachers Ins & Ann Assoc Of Amer Templeton Funds Annuity Co Texas Life Ins Co The Travelers Ins Co TIAA Cref Life Ins Co Trans World Assur Co Transamerica Financial Life Ins Co Transamerica Life Ins & Annuity Co Transamerica Life Ins Co Transamerica Occidental Life Ins Co Travelers Life & Annuity Co Trigon Health And Life Ins Co Trustmark Ins Co Trustmark Life Ins Co UBS PaineWebber Life Ins Co Ullico Life Ins Co Unicare Life & Health Ins Co Unified Life Ins Co Unimerica Ins Co Union Bankers Ins Co Union Central Life Ins Co Union Fidelity Life Ins Co Union Labor Life Ins Co Union Natl Life Ins Co Union Security Life Ins Co 117,018,993 3,169,802 0 20,593,622 54,843,750 533,599 232,103 0 981,334 0 13,917,590 16,458 133,496,456 0 1,428,849 98,784,658 11,090,593 331,766 30,521,774 161,029,453 45,886,183 41,123,838 80,254,079 0 4,863,702 3,115,900 0 16,481 23,449,050 914,251 149,829 972,487 11,967,960 2,237,953 2,833,735 0 4,424,856 37,501,082,364 424,432,284 115,361,432 1,860,350,570 39,173,875,856 68,080,447,356 485,129,358 19,388,790 37,100,175 11,823,431,178 18,887,872,681 17,190,355 163,564,354,330 22,217,714 874,171,202 67,958,043,231 3,376,040,795 295,894,029 15,790,315,892 25,543,641,194 44,084,751,627 28,200,020,480 19,055,741,583 13,388,585 1,285,202,113 597,114,288 38,033,145 10,757,677 1,254,378,878 61,974,265 44,634,288 95,879,911 6,499,383,676 19,298,776,599 3,075,714,825 420,792,529 146,237,991 4,099,792,353 46,819,211 51,010,209 111,846,690 1,584,930,854 5,014,619,900 35,842,857 11,731,782 10,905,042 2,006,560,592 1,138,437,319 10,802,309 11,177,399,991 11,579,844 32,215,504 7,885,780,496 300,077,900 57,859,839 690,699,368 877,758,455 1,864,334,204 2,742,060,503 942,400,995 12,468,160 174,218,625 74,353,697 21,744,499 8,850,892 300,622,086 11,747,041 26,659,728 7,743,893 337,729,578 784,975,162 88,275,980 85,100,577 35,988,077 237,788,642 947,244 14,068,062 133,511,317 230,901,563 713,517,740 8,461,387 2,331,760 1,186,905 177,742,667 222,103,584 119,186 540,456,620 373,310 4,896,491 975,285,072 25,476,059 1,832,375 79,321,965 138,389,100 128,775,461 530,848,311 (211,385,813) 492,313 25,795,991 6,898,631 2,212,836 (1,589,589) 32,541,833 2,045,469 4,999,007 (10,338,115) 10,391,677 (1,765,264,864) 16,623,133 16,287,653 6,614,087 2004 Annual Report 40 Georgia Department of Insurance United American Ins Co United Benefit Life Ins Co United Fidelity Life Ins Co United Healthcare Ins Co United Home Life Ins Co United Ins Co Of Amer United Investors Life Ins Co United Of Omaha Life Ins Co United States Life Ins Co In NYC United Teacher Assoc Ins Co United World Life Ins Co Unity Financial Life Ins Co Unity Mut Life Ins Co Universal Guaranty Life Ins Co Universal Underwriters Life Ins Co Unum Life Ins Co Of Amer US Branch SunLife Assur Co Of Canada US Bus of Crown Life Ins Co US Bus of the Canada Life Assur Co US Financial Life Ins Co USAA Life Ins Co USAble Life Valley Forge Life Ins Co VantisLife Ins Co Variable Annuity Life Ins Co Veterans Life Ins Co Vista Life Ins Co Washington Natl Ins Co Wateree Life Ins West Coast Life Ins Co Western & Southern Life Ins Co Western Reserve Life Assur Co of OH Western Southern Life Assur Co World Ins Co XL Life Ins and Annuity Co TOTAL 50,011,980 0 1,166,966 415,540,139 745,805 18,929,149 7,466,884 43,652,123 15,521,639 2,741,290 154,763 1,189,036 111,518 232,293 1,822,115 170,046,981 45,137,340 1,814,810 11,213,374 6,711,715 36,943,044 0 18,314,134 41,978 323,856,974 2,381,780 0 9,368,584 71 17,520,730 1,037,735 30,669,649 17,471,176 4,897,815 (20,629) 12,885,565,723 1,079,961,249 5,714,807 601,775,406 6,308,359,384 46,482,948 2,025,667,476 2,966,323,498 12,937,154,529 3,775,218,273 387,000,419 64,184,041 28,545,838 379,871,275 258,909,112 344,806,247 12,680,887,845 12,237,470,616 385,239,638 2,345,059,039 303,536,801 10,117,298,329 148,865,073 3,185,965,567 691,373,777 55,765,852,986 309,364,655 27,260,458 2,768,852,326 10,346,325 2,497,355,225 8,055,203,022 10,099,002,779 8,898,574,141 211,637,759 705,538,666 175,459,504 2,982,192 173,567,043 1,293,438,200 9,956,399 326,144,204 194,504,702 1,226,275,098 401,357,417 60,582,220 17,479,993 5,708,375 21,908,308 21,860,401 101,634,987 1,201,448,926 669,994,678 45,913,064 98,447,754 36,078,210 787,152,252 72,124,336 553,451,042 63,469,165 2,677,256,872 66,186,780 16,513,521 775,990,451 4,983,684 185,937,164 2,924,503,156 277,921,320 492,903,545 77,367,113 86,521,275 4,003,707,922,882 256,195,434,518 68,648,117 (1,968,297) 48,034,461 1,451,531,067 725,191 63,089,649 54,361,548 (50,667,449) (147,068,077) 7,163,757 2,237,344 (19,195) 7,044,455 (762,152) 4,423,598 63,094,695 173,913,725 11,618,745 1,732,886 (44,866,439) 129,706,414 5,379,036 (166,559,644) 1,214,052 644,743,791 32,420,604 2,018,893 101,930,537 1,157,665 (22,345,269) 182,232,036 121,442,485 114,002,244 2,961,686 (670,365) 33,871,377,408 Georgia Department of Insurance Domestic Property and Casualty Companies 41 NAIC COMPANY NAME NO. 33103 American Safety Insurance Company 11240 Association Insurance Company 30112 CNL/ Insurance America, Inc. 10917 Century Casualty Company 21560 Cornerstone Mutual Insurance Co (Administrative Supervision) 20966 Cotton States Mutual Insurance Co. 10898 Delta Fire & Casualty Insurance Co 10802 Ethio-American Insurance Company 22110 Everest Security Insurance Company 38482 Fireman's Fund Insurance Co. of GA 42536 Frandisco Property & Casualty Insurance Co 11258 Georgia Casualty & Surety Company 34436 Georgia Farm Bureau Casualty Insurance Co 14001 Georgia Farm Bureau Mutual Insurance Co 26409 Georgia Insurance Company 11501 Georgia Lawyers Insurance Company 14028 Georgia Mutual Insurance Co (Administrative Supervision) 20168 Global Insurance Company (Rehabilitation) 13382 Harleysville-Atlantic Insurance Company 11162 Insurance Company of the South 10702 Madison Insurance Company 42617 MAG Mutual Insurance Company 10784 Maxum Casualty Insurance Company 10015 Mercury Indemnity Company of GA 34410 Mercury Insurance Company of GA 14524 Middle Georgia Mutual Insurance Company 11040 Ontario Reinsurance Company, Ltd. 25640 Safeway Insurance Company of GA 20974 Shield Insurance Company 37141 Southern General Insurance Company DATE LICENSED 3/9/88 2/18/86 12/15/87 6/18/98 10/26/92 3/12/42 3/4/65 4/30/03 1/1/88 5/1/80 12/19/89 2/20/48 5/19/89 11/24/58 8/25/73 7/18/02 5/9/42 4/19/90 1/5/15 10/16/01 12/19/96 6/1/82 4/1/97 7/2/93 8/1/89 10/8/49 1/15/99 6/30/87 6/21/63 7/27/79 TOTAL ASSETS 21,528,937 49,598,811 16,951,307 13,923,614 29,124,919 SURPLUS DIRECT WRITINGS 20,906,085 5,758,357 15,763,624 23,633,979 8,494,497 14,306,878 3,388,548 2,355,363 248,740 535,836 10,881,240 NET WRITINGS 0 20,990,725 14,432,826 6,534,376 (2,857,568) NET INCOME 907,876 (1,299,684) (1,031,061) 13,758 184,801,990 15,372,490 4,453,020 30,957,797 6,649,880 46,926,250 99,674,087 4,219,537 712,320,055 18,060,498 5,806,413 4,228,413 53,551,183 11,144,447 3,185,411 23,001,702 6,537,506 30,889,342 22,260,840 4,073,612 337,904,111 17,116,384 3,163,449 3,257,136 282,450,823 3,694,511 1,738,016 27,897,468 164 0 41,458,104 40,483,458 457,483,015 1,453,432 3,288,494 14 114,454,541 1,984,633 1,738,016 4,279,985 0 20,949,599 41,952,952 0 481,293,365 239,975 1,658,369 (162) (5,847,035) 49,146 (72,524) 1,475,227 111,721 3,860,565 (4,773,359) 457,091 13,148,687 388,764 (370,573) (2,218) 3,367,134 3,327,986 0 0 (42,309) 146,973,965 7,778,907 94,819,600 777,129,564 5,925,180 9,373,559 16,681,066 20,211,713 15,179,619 60,029,327 58,950,077 79,922,957 37,048,783 3,770,089 194,947,740 70,920,880 5,815,249 6,356,921 10,208,183 14,926,986 11,116,768 24,660,778 33,889,325 35,060,157 16,950,772 25,629,381 1,358,123 361,032,159 110,000 4,036,359 7,304,736 6,953,959 0 36,654,294 11,453,716 69,802,759 58,312,742 3,369,441 258,835,779 7,733,622 0 3,915,251 7,082,864 5,909,098 710,341 36,987,302 6,028,230 51,910,607 3,250,680 (128,892) 2,175,081 7,858,707 31,369 491,596 723,162 1,423,154 (37,996) 5,158,409 586,664 2,827,053 2004 Annual Report 2004 Annual Report 42 Georgia Department of Insurance 40762 15172 12610 11508 40428 19003 10172 Southern Guaranty Insurance Company of GA Southern Mutual Insurance Company Southern Trust Insurance Company Village Auto Insurance Company, inc. Voyager Indemnity Insurance Co Waco Fire & Casualty Insurance Company Westchester Surplus Lines Insurance Co 11/12/81 01/01/1848 5/27/68 9/17/02 12/30/81 7/15/73 11/30/94 TOTALS 13,724,234 25,679,396 48,624,928 55,159,283 78,753,041 63,661,602 367,023,177 13,722,699 12,702,923 16,198,755 19,489,200 28,990,917 15,025,565 65,420,482 36,842,122 17,105,795 22,385,978 61,056,855 88,581,633 23,830,149 644,559,855 0 14,936,435 20,212,735 49,387,284 37,758,466 24,397,183 45,784,311 430,100 180,023 1,642,834 5,106,910 3,764,172 589,799 12,038,354 3,213,566,347 1,188,487,003 2,342,186,557 1,354,662,131 52,227,683 Georgia Department of Insurance Foreign Property and Casualty Companies 43 COMPANY NAME GA Premium Revenue Total Assets Aca Financial Guaranty Corp Acadia Ins Co Acceptance Ins Co Access Ins Co Accident Fund Ins Co of Amer Accredited Surety & Cas Co Inc Ace Amer Reins Co Ace American Ins Co Ace Fire Underwriters Ins Co Ace Ind Ins Co Ace Prop & Cas Ins Co ACIG Ins Co Acstar Ins Co Acuity A Mut Ins Co Admiral Ind Co Advantage Workers Comp Ins Co Aegis Security Ins Co Aetna Ins Co of CT Affiliated Fm Ins Co Affirmative Ins Co Agri General Ins Co AIG Centennial Ins Co AIG Ind Ins Co AIG Natl Ins Co Inc AIG Premier Ins Co AIU Ins Co Alamance Ins Co Alea North America Ins Co Alfa General Ins Corp Alfa Ins Corp Alfa Mut General Ins Co Alfa Mut Ins Co Alfa Specialty Ins Corp All Amer Ins Co Allianz Global Risks US Ins Co Allied Prop & Cas Ins Co Allmerica Financial Benefit Ins Co 6,087,572 7,801 801,915 120,424 114,547,653 3,546,491 11,415 24,769,461 4,160 269,810 160,011 856,451 334,054 6,658,560 4,112,955 281 6,916 531,127 7,256,685 2,545,977 6,382,728 38,841,172 5,425,748 13,853,976 22,643,944 3,118,973 - 540,456,581 165,290,441 53,019,610 5,108,340 1,636,671,645 41,861,682 277,749,173 5,374,011,925 77,246,419 23,829,457 4,495,745,741 194,222,392 86,200,183 1,280,764,695 54,910,257 49,937,604 68,151,402 45,657,746 949,589,557 319,381,176 315,385,586 558,134,495 55,587,210 54,466,613 341,387,412 2,999,953,661 260,085,223 622,984,672 399,292,059 410,703,162 79,325,083 1,273,824,047 18,943,900 174,569,892 4,598,790,897 85,301,253 14,301,145 Total Cap. & Surplus 290,002,606 60,135,100 (35,095,279) 5,047,616 483,057,035 15,605,908 81,339,107 881,559,111 52,054,924 11,233,838 797,714,168 59,420,990 27,370,052 414,284,489 26,702,194 37,499,556 31,469,488 29,408,978 420,013,967 139,315,541 202,596,097 245,029,633 21,436,095 13,356,678 116,935,715 733,512,527 155,655,842 261,269,443 182,293,002 179,088,489 52,524,437 871,694,985 10,304,405 66,190,257 3,475,623,369 84,024,322 14,292,093 Net Income (Loss) 5,885,069 6,650,214 (14,342,827) (31,163) 76,502,776 3,398,205 (27,222,287) 74,049,146 1,499,493 317,937 69,910,870 2,684,113 2,547,762 67,818,194 2,141,352 (521,682) 2,042,206 10,714,782 40,993,432 7,697,953 56,537,260 9,497,816 8,708,951 (2,175,164) 18,521,630 128,985,207 6,315,653 6,436,666 31,151,798 28,790,524 798,970 36,261,413 (2,948,151) 4,159,272 30,385,724 3,559,745 478,234 2004 Annual Report 2004 Annual Report 44 Georgia Department of Insurance Allmerica Fncl Alliance Ins Co - Allstate Fire and Cas Ins Co - Allstate Ind Co 145,795,808 Allstate Ins Co 507,916,421 Allstate Prop & Cas Ins Co 80,228,017 Alpha Prop & Cas Ins Co 12,504,396 Ambac Assur Corp 2,284,126 Amco Ins Co 6,089,466 Amcomp Assur Corp 14,928,060 Amcomp Preferred Ins Co 2,944,568 America First Ins Co - American Agri Business Ins Co 12,622,021 American Agricultural Ins Co - American Alt Ins Corp 9,839,575 American Ambassador Cas Co - American Automobile Ins Co 10,942,733 American Bankers Ins Co Of FL 23,894,446 American Bus & Personal Ins Mut I - American Cas Co Of Reading PA 28,939,528 American Centennial Ins Co 656 American Central Ins Co 1,926 American Century Cas Co 33,868,715 American Colonial Ins Co Inc - American Commerce Ins Co - American Compensation Ins Co - American Contractors Ind Co 735,899 American Dep Ins Co 655,808 American Economy Ins Co 15,064,667 American Empire Ins Co - American Employers Ins Co (4,221) American Equity Specialty Ins Co - American Family Home Ins Co 22,848,403 American Fire & Cas Co 733,736 American Fuji Fire & Marine Ins Co - American General Ind Co 1,318,035 American General Prop Ins Co Of FL - American General Property Ins Co 3,640,742 American Guarantee & Liability Ins 18,283,827 American Hardware Mut Ins Co (600) American Healthcare Ind Co 76,270 American Home Assur Co 72,988,426 American Ind Co - American Ins Co 16,294,939 American Interstate Ins Co 25,114,296 American Intl Ins Co 3,649,149 15,091,207 14,814,692 98,913,094 44,711,745,721 19,084,583 15,438,284 8,329,130,728 969,699,982 178,588,521 268,267,115 13,218,324 130,213,990 985,768,590 422,576,237 29,803,549 347,287,563 1,112,978,795 39,249,943 102,776,737 36,946,360 40,631,026 77,235,050 4,461,568 295,447,380 135,860,987 91,509,428 31,981,702 1,567,935,175 60,699,370 123,588,651 42,861,570 370,883,141 307,249,967 104,837,217 80,494,836 15,576,167 62,116,598 213,769,661 278,916,133 117,071,544 19,477,874,463 52,589,384 1,324,077,060 499,057,390 1,170,573,954 15,080,174 14,585,614 94,529,169 16,766,721,895 18,931,945 14,986,715 3,198,698,732 390,849,919 47,720,643 80,495,361 9,908,595 3,614,434 331,897,686 147,871,673 27,621,442 124,404,188 241,493,741 20,772,861 102,425,375 22,850,574 40,531,617 23,688,597 4,141,599 94,396,913 38,503,398 39,182,272 16,726,991 491,282,942 28,815,241 122,836,649 16,088,124 105,220,470 115,637,920 81,515,058 34,978,268 11,304,114 45,280,552 128,139,533 100,269,862 39,517,514 4,315,648,214 49,829,209 418,588,132 112,333,599 299,967,887 570,962 700,266 5,390,020 3,863,547,441 924,351 734,819 693,175,913 19,434,006 (2,017,087) (5,567,511) 558,771 411,154 11,498,752 2,970,376 926,000 12,775,241 26,850,509 (2,008,853) 1,685,652 (38,480) 1,253,862 8,124,206 (290,994) 16,683,179 7,539,887 5,013,836 866,763 108,268,916 5,833,898 11,889,196 1,043,799 19,837,854 10,723,732 1,613,311 (6,670,959) (1,808,716) 3,689,121 4,570,471 7,425,455 1,492,627 263,237,520 4,554,896 57,985,901 7,131,943 50,406,856 2004 Annual Report 45 Georgia Department of Insurance American Intl South Ins Co 101,338,529 American Live Stock Ins Co 84,538 American Manufacturers Mut Ins Co 1,696,366 American Merchants Cas - American Mercury Ins Co 21,748,612 American Modern Home Ins Co 11,828,402 American Motorists Ins Co (133,840) American Natl General Ins Co 4,487,767 American Natl Prop & Cas Co 13,202,385 American Premier Ins Co 1,957,721 American Rein Co - American Reliable Ins Co 14,011,340 American Resources Ins Co Inc 4,493,922 American Road Ins Co 4,738,837 American Safety Cas Ins Co 586,510 American Security Ins Co 23,889,836 American Select Ins Co - American Southern Ins Co 6,980,152 American States Ins Co 20,317,536 American States Ins Co Of TX 3,281,176 American States Preferred Ins Co 2,149,835 American Surety Co 81,679 American Zurich Ins Co 52,586,651 Americas Ins Co - Amerin Guaranty Corp - Amerisure Ins Co 365,823 Amerisure Mut Ins Co 3,608,321 Amex Assur Co 22,145,248 Amguard Ins Co 3,433,387 Amica Mut Ins Co 28,827,736 Anesthesiologists Pro Assur Co 2,341,287 Ansur America Ins 1,063,109 Anthem Ins Co Inc - Arag Ins Co 2,624,142 Arch Ins Co 20,072,127 Arch Reins Co 13,852 Architects & Engineers Ins Co RRG - Argonaut Great Central Ins Co 19,450,187 Argonaut Ins Co 3,470,015 Argonaut-Midwest Ins Co 151,820 Armed Forces Ins Exchange 3,075,677 Associated Ind Corp 2,265,982 Associated Industries Ins Co Inc 435,468 Association Cas Ins Co 10,534,573 Assurance Co Of Amer 29,643,323 32,470,426 68,932,333 25,987,742 24,292,437 230,312,711 743,979,959 83,342,910 103,166,069 1,005,324,052 12,239,093 15,486,057,926 375,831,354 49,442,006 706,279,080 141,584,918 656,292,093 139,935,435 102,344,799 2,267,842,270 17,816,736 226,023,987 10,486,671 188,759,364 21,337,919 311,396,935 498,838,512 1,391,355,585 283,613,273 174,835,055 3,384,386,618 83,580,840 13,285,921 4,166,153,521 37,149,783 807,190,130 887,024,120 15,395,474 190,335,448 1,195,882,685 97,062,877 148,699,948 146,697,885 199,318,786 67,031,844 75,016,433 32,361,152 45,305,163 10,409,017 12,698,366 72,582,786 218,247,664 30,819,288 54,404,691 380,196,260 6,528,367 3,304,677,995 77,944,527 13,648,099 396,101,697 46,465,796 225,109,642 45,129,445 34,628,951 801,498,809 17,737,336 71,185,498 8,460,411 171,985,798 13,189,726 189,700,763 124,448,598 405,056,329 216,752,993 47,270,260 1,602,269,398 14,839,829 10,920,864 2,784,328,560 23,565,468 337,017,102 479,443,062 7,223,101 51,395,010 372,403,614 38,741,384 80,590,554 54,636,992 20,731,625 19,146,433 18,523,429 1,462,346 2,408,974 409,017 1,779,243 (6,352,391) 28,197,571 19,417,481 6,478,894 63,479,071 512,989 259,046,882 5,686,093 (680,676) 63,939,365 (9,745,645) 46,396,123 5,656,187 4,336,203 192,095,030 774,263 14,356,306 1,085,646 4,689,720 577,517 8,432,679 8,830,027 26,674,271 98,005,092 2,691,449 84,601,247 (45,088) 97,075 503,369,328 3,204,495 9,351,763 31,385,330 72,991 2,659,287 20,370,878 1,309,845 (6,662,587) 6,676,464 (1,672,752) 1,220,847 949,907 2004 Annual Report 46 Georgia Department of Insurance AssuranceAmerica Ins Co 24,012,854 Assured Guaranty Corp - Athena Assur Co 699,253 Atlanta Cas Co 11,867,069 Atlanta Intl Ins Co - Atlanta Reserve Ins Co 12,883,557 Atlanta Specialty Ins Co 13,295,668 Atlantic Ins Co 307,758 Atlantic Mut Ins Co 24,581,870 Atlantic Specialty Ins Co 5,916,489 Atradius Trade Credit Ins Co 2,538,721 Audubon Ins Co 1,851,598 Auto Club South Ins Co 784,325 Automobile Ins Co Of Hartford CT 4,778,576 Auto-Owners Ins Co 143,446,916 Avemco Ins Co 1,577,582 AXA Art Ins Corp 292,592 AXA Corp Solutions Ins Co 1,045,022 AXA Corp Solutions Reins Co - AXA Re Amer Ins Co - AXA Re Prop & Cas Ins Co 1,195,959 AXIS Reins Co 11,925,086 AXIS Surplus Ins Co 3,123,024 Balboa Ins Co 8,791,655 Bancinsure Inc 1,108,313 Bankers Ins Co 336,613 Bankers Multiple Line Ins Co - Bankers Standard Ins Co 690,829 Bankers Std Fire & Marine Co - Bay State Ins Co - BCS Ins Co 931,358 Benchmark Ins Co 18,472,080 Berkley Ins Co - Berkley Regional Ins Co 12,295 Birmingham Fire Ins Co Of PA 1,064,966 Bituminous Cas Corp 10,726,791 Bituminous Fire & Marine Ins Co 133,592 Blue Ridge Ins Co - Boston Old Colony Ins Co 9 Bridgefield Cas Ins Co 17,033,641 Bristol West Ins Co 13,491,163 Brotherhood Mut Ins Co 5,259,678 California Cas Ind Exch 1,802,275 California Ind Ins Co - 16,383,716 1,278,208,171 189,871,077 38,552,174 19,709,735 11,616,909 18,198,799 31,690,991 964,391,142 70,709,737 63,500,441 143,570,021 53,345,079 900,691,514 7,715,691,846 182,825,463 60,313,837 225,369,248 994,644,192 64,079,560 185,557,463 973,066,104 272,772,068 896,533,881 99,722,002 84,793,630 7,648,778 179,353,205 104,895,504 231,178,094 216,036,737 103,122,831 4,777,872,294 1,946,762,364 2,893,279,970 659,697,449 302,776,671 163,438,329 32,986,960 48,977,000 107,165,100 251,123,906 398,842,252 14,311,746 3,526,898 236,744,613 44,819,203 31,512,296 7,062,130 5,768,392 12,381,093 23,097,362 241,230,721 48,423,504 37,344,412 56,654,275 25,835,488 254,384,410 3,519,925,699 103,784,711 31,163,759 86,680,247 571,583,258 48,416,991 63,991,965 517,039,937 68,189,973 336,444,372 34,497,391 27,229,912 7,583,625 43,627,935 16,196,475 140,575,566 123,768,606 29,107,658 1,511,628,362 632,048,622 860,149,076 213,973,861 80,046,441 52,265,515 32,539,613 19,401,232 34,819,426 94,336,805 259,980,785 14,311,746 357,112 103,179,095 833,990 19,707,580 (2,861,352) 415,473 896,415 3,863,371 (64,486,063) 928,583 2,613,644 5,674,346 2,253,911 47,517,256 44,480,576 12,276,791 4,902,256 10,558,144 36,168,458 1,367,801 (37,341,348) (13,957,065) 366,204 35,840,241 3,660,397 (2,457,087) (403,648) 3,816,676 3,674,466 7,862,918 8,558,372 1,752,979 154,796,633 114,544,603 32,515,787 28,087,922 10,053,020 8,652,247 1,759,433 1,530,966 8,259,839 12,723,460 656,556 (10,147,821) 2004 Annual Report 47 Georgia Department of Insurance California Ins Co - Cambridge Mut Fire Ins Co - Camden Fire Ins Assoc - Camico Mut Ins Co 1,944,260 Canal Ins Co 42,759,091 Capital City Ins Co Inc 12,908,390 Capital Markets Assr Corp - Capitol Ind Corp 2,564,891 Capitol Preferred Ins Co 666,024 Carolina Cas Ins Co 16,367,735 Catawba Ins Co 2,018,635 Caterpillar Ins Co 10,770,959 CDC Ixis Fin Guaranty N Amer Inc 1,062,742 Centennial Ins Co 5,085,976 Central Mut Ins Co 54,783,078 Central Natl Ins Co Of Omaha - Central States Ind Co Of Omaha 4,711,756 Centre Ins Co 672,726 Century Ind Co - Century Rein Co - Century-Natl Ins Co 14,011 Charter Ind Co 3,993,089 Charter Oak Fire Ins Co 33,486,179 Cherokee Ins Co - Chicago Ins Co 2,426,590 Chubb Ind Ins Co 296,790 Chubb Natl Ins Co - Church Ins Co 14,112 Church Mut Ins Co 20,954,331 CIM Ins Corp 41,612 Cincinnati Cas Co 5,139,495 Cincinnati Ins Co 125,864,867 Citizens Ins Co Of Amer 11,801,072 Civic Property & Cas Co 4,004,527 Clarendon Natl Ins Co 21,211,161 Clearwater Ins Co - Clearwater Select Ins Co - CMG Mortgage Assur Co - CMG Mortgage Ins Co 1,418,336 Coface North Amer Ins Co - Cologne Reins Co Of Amer - Colonial American Cas & Surety Co 116,497 Colony Specialty Ins Co - Colorado Cas Ins Co - Columbia Mut Ins Co - 14,017,204 429,205,113 92,340,655 111,536,589 1,123,037,115 119,877,717 99,375,326 429,825,165 26,517,760 689,942,672 15,676,803 102,602,864 152,361,886 359,342,703 902,771,418 32,912,571 246,835,998 674,260,255 845,128,880 103,053,926 495,115,962 13,281,354 796,643,431 138,594,796 284,250,381 171,857,069 143,142,435 65,553,071 836,237,877 36,465,101 323,531,980 9,820,123,386 1,765,036,423 169,143,205 2,022,935,923 1,102,497,699 117,983,491 8,855,265 265,610,765 19,694,369 73,639,530 25,948,203 110,820,807 22,392,708 255,956,933 7,941,254 214,848,340 69,899,358 34,263,894 487,549,554 27,778,427 97,792,445 138,491,643 5,240,774 189,627,774 7,030,394 37,593,991 113,627,916 106,440,829 329,433,391 8,044,094 183,141,732 121,545,171 25,000,000 78,986,038 133,025,705 8,826,161 194,419,202 53,130,100 108,749,203 37,644,965 37,531,621 19,746,490 231,353,930 15,013,284 259,323,276 4,191,158,947 609,715,096 54,331,441 564,566,243 583,407,188 61,837,429 8,308,521 103,831,593 11,848,483 36,840,468 21,017,373 27,393,316 12,958,733 125,550,035 207,677 14,734,151 105,858,747 1,074,830 31,062,082 (4,752,649) (7,644,005) 16,096,069 (8,753,021) 17,210,132 (2,975,058) (3,251,281) (5,231,738) (16,983,703) 22,646,319 (847,517) 3,499,751 (9,025,325) (282,778,204) 6,519,222 17,729,293 665,664 48,526,090 6,677,359 10,999,404 5,664,495 5,693,375 (5,994,592) 21,544,717 254,642 9,120,049 587,674,971 89,825,731 4,625,228 (120,804,878) (52,052,374) (3,056,992) 44,061 11,369,976 (2,316,529) (777,088) 917,246 4,377,420 1,237,866 13,012,077 2004 Annual Report 48 Georgia Department of Insurance Columbia Natl Ins Co Commerce & Industry Ins Co Commercial Cas Ins Co Commercial Guaranty Cas Ins Co Commercial Guaranty Ins Co Commercial Ins Co Of Newark NJ Commercial Loan Ins Corp Commonwealth Ins Co Of Amer Companion Commercial Ins Co Companion Prop & Cas Ins Co Compass Ins Co Computer Ins Co Connie Lee Ins Co Consolidated American Ins Co Constitution Ins Co Continental Cas Co Continental Ins Co Continental Natl Ind Co Continental Rein Corp Continental Western Ins Co Contractors Bonding & Ins Co Converium Ins North Amer Inc Converium Reins North Amer Inc Core Ins Co Coregis Ins Co Courtesy Ins Co Coventry Ins Co Crum & Forster Ind Co Cumberland Cas & Surety Co Cumis Ins Society Inc Cypress Ins Co Daily Underwriters Of Amer DaimlerChrysler Ins Co Dairyland Ins Co Darwin Natl Assur Cp Dealers Assur Co Deerbrook Ins Co Deerfield Ins Co Dentists Ins Co Depositors Ins Co Developers Surety And Ind Co Diamond State Ins Co Direct General Ins Co Discover Prop & Cas Ins Co Distinguished Programs RRG 29,477,646 79,761,299 (53,621) 20 329,398 1,492,827 34,057,342 182,277 839,033 142,000,034 2,890,283 26,720 142,245 3,503,050 5,065,830 876,947 2,602,110 1,003,769 234,606 5,599,107 11,296,094 276,483 2,345,340 3,839,929 77,399 280 (362) 12,858 111,124 344,494 1,693,424 32,072,554 10,516,865 - 71,733,433 5,687,685,313 274,082,460 172,477,581 32,821,892 50,327,566 9,931,604 44,270,813 11,033,443 302,794,085 13,984,592 25,462,955 217,794,520 3,669,339 50,514,030 34,211,782,318 3,896,598,743 18,120,911 100,203,643 240,399,760 142,763,807 85,085,064 2,545,428,913 33,513,774 530,820,576 253,534,634 8,760,910 33,963,451 8,295,373 973,171,812 347,585,474 22,212,002 395,232,790 1,042,665,365 47,277,807 30,965,750 32,207,763 119,044,825 203,086,000 43,198,020 84,575,749 151,802,354 317,855,826 101,870,133 705,094 23,110,219 1,543,207,791 57,291,941 116,291,442 31,161,669 48,276,641 9,148,740 20,831,622 7,855,757 86,140,537 10,647,786 22,170,793 106,988,795 3,453,146 36,175,772 6,815,290,687 1,685,767,964 16,655,299 97,195,571 71,922,547 38,111,028 59,335,125 349,255,150 33,032,322 200,240,482 78,725,823 5,673,527 9,871,241 (12,944,393) 402,785,691 203,027,374 14,506,214 202,476,377 331,154,371 30,951,278 13,835,242 31,985,434 42,269,817 116,329,076 42,523,601 36,704,098 105,843,148 106,989,455 30,446,635 528,446 3,803,675 46,648,973 (730,132) 11,660,337 1,797,287 1,342,775 500,642 (333,476) 98,104 2,048,202 (1,425,991) 5,436,811 (16,473,199) (519,805) (681,284) 521,443,513 51,349,810 445,604 3,814,493 3,887,984 6,362,750 (3,161,017) (355,698,086) 908,138 6,732,055 9,802,260 353,543 (752) (9,241,413) 40,964,872 1,948,994 2,138,462 30,902,858 31,276,126 (1,098,028) 646,654 1,478,135 1,620,826 15,272,534 1,950,720 1,721,592 2,666,546 5,906,370 553,080 17,450 2004 Annual Report 49 Georgia Department of Insurance Doctors Co An Interins Exchn 11,250,374 Dorinco Rein Co - Eastguard Ins Co 265,981 Economy Fire & Cas Co - Economy Preferred Ins Co - Economy Premier Assur Co 20,560,310 Electric Ins Co 10,771,926 Emc Prop & Cas Ins Co 1,550,046 Emc Rein Co - Emcasco Ins Co 1,549,644 Emergency Physicians Ins Co RRG - Empire Fire & Marine Ins Co 20,080,638 Employers Fire Ins Co 878,074 Employers Ins of Wausau 19,789,809 Employers Mut Cas Co 7,999,353 Employers Reins Corp 3,702,569 Encompass Home and Auto Ins Co 998,129 Encompass Ind Co 3,511,739 Encompass Independent Ins Co 1,908,197 Encompass Ins Co - Encompass Ins Co Of America 58,217,025 Encompass Property & Cas Co 2,863,580 Equity Insurance Co 4,243,636 Esurance Ins Co 813,164 Euler American Credit Ind Co 4,302,654 Everest Natl Ins Co 4,111,789 Everest Reins Co - Evergreen Natl Ind Co 152,960 Excelsior Ins Co 6,779,430 Excess Rein Co - Excess Share Ins Corp 15,824 Executive Risk Ind Inc 11,879,413 Factory Mut Ins Co 53,532,933 Fairfield Ins Co 215,728 Fairmont Ins Co - Fairmont Premier Ins Co 102,088 Fairmont Specialty Ins Co 4,205,806 Farmers Ins Exch 22,350,070 Farmers Mut Hail Ins Co Of IA - Farmington Cas Co 244,208 Farmland Mut Ins Co 3,420,416 FCCI Ins Co 31,857,057 Federal Ins Co 154,659,384 Federated Mut Ins Co 31,367,633 Federated Rural Electric Ins Exch 7,674,198 1,559,571,942 1,671,292,100 43,105,814 372,773,765 9,334,805 37,984,628 1,144,329,169 104,345,424 226,982,575 222,822,351 10,052,827 672,213,861 109,468,117 4,423,248,464 1,837,475,749 16,759,214,095 5,678,338 22,578,133 5,893,265 11,234,330 88,135,431 15,784,768 50,678,785 102,706,212 268,143,014 764,412,799 8,572,712,312 48,013,623 77,223,021 58,861,976 41,682,295 2,225,388,669 6,974,548,101 38,034,797 42,564,369 168,486,708 235,722,443 10,117,191,154 272,706,095 944,515,823 317,055,389 1,052,121,475 23,128,725,086 3,359,839,571 220,792,419 405,582,912 415,777,440 14,486,453 362,266,579 9,332,260 35,183,317 274,952,162 40,842,661 69,572,412 59,000,440 3,125,825 125,780,499 54,710,824 995,148,967 577,003,528 5,513,120,691 5,328,887 18,359,893 5,838,498 11,105,833 78,302,226 14,175,996 19,636,816 34,747,568 128,837,504 115,771,716 2,093,152,095 30,052,438 62,164,120 34,231,346 11,794,090 585,217,621 3,532,790,725 17,383,352 14,973,901 119,915,917 86,988,899 2,401,175,573 168,509,996 228,042,718 108,729,326 327,164,886 7,764,665,194 1,293,944,023 68,264,979 32,395,607 8,453,751 638,050 19,347,231 405,288 1,394,473 11,176,616 (155,578) 17,502,521 (2,137,005) (1,311,670) 1,935,974 2,875,390 100,463,545 (22,790,206) (110,291,287) 75,725 926,684 83,143 395,610 226,495 108,060 6,317,890 148,991 17,521,811 13,652,734 175,821,371 1,966,295 3,368,042 1,736,469 1,197,150 106,973,368 501,479,469 (3,098,056) 1,012,884 (661,723) 10,941,363 63,328,677 29,389,886 55,927,482 13,555,738 7,108,581 1,055,992,677 109,448,651 5,888,687 2004 Annual Report 50 Georgia Department of Insurance Federated Service Ins Co 695,152 FFG Ins Co 101,705 FFVA Mut Ins Co 7,665,928 Fidelity & Cas Co Of NY 180,294 Fidelity & Deposit Co Of MD 15,399,039 Fidelity & Guaranty Ins Co 8,239,465 Fidelity & Guaranty Ins Underwriters 5,476,943 Fidelity First Ins Co - Fidelity Natl Ins Co - Fidelity Natl Prop and Cas Ins Co 6,823,630 Financial Guaranty Ins Co 5,284,734 Financial Security Assur Inc 22,164,406 Fire Ins Exch - Firemans Fund Ins Co 30,544,850 Firemans Fund Ins Co Of NE (2,433) Firemans Fund Ins Co Of WI 1 Firemens Ins Co Of Newark NJ 1,229,220 First American Prop & Cas Ins Co 211,840 First Colonial Ins Co 8,450,592 First Dakota Ind Co - First Financial Ins Co 557,818 First Guard Ins Co 529,728 First Ind Of Amer Ins Co - First Liberty Ins Corp 15,654,830 First Natl Ins Co Of Amer 12,903,697 First Professionals Ins Co 9,984,228 First Sealord Surety Inc 449,256 Firstcomp Ins Co - Florists Ins Co 288,380 Florists Mut Ins Co 1,829,547 Folksamerica Rein Co - Foremost Ins Co 39,318,387 Foremost Property & Cas Ins Co 2,005,265 Foremost Signature Ins Co 3,539,616 Fort Wayne Hlth & Cas Ins Co - Fortress Ins Co 23,833 Frankenmuth Mut Ins Co (38,597) Gateway Ins Co 885,943 Ge Reins Corp - Ge Residential Mortgage Ins Corp N 2,630 Geico Cas Co 13,963,338 Geico General Ins Co 124,043,369 Geico Ind Co 51,181,618 Gen Elec Home Equity Ins Corp Of N - Gen Elec Mortgage Ins Corp Of NC 3,448 320,363,406 46,352,377 183,096,083 140,186,079 216,503,315 14,382,528 32,007,247 7,285,296 116,158,268 59,343,862 3,115,766,580 3,479,996,093 1,623,512,091 9,913,244,552 61,371,522 18,916,683 529,968,183 83,665,239 178,425,097 20,898,676 410,883,508 6,511,379 6,614,618 40,250,068 217,565,585 659,990,796 10,713,197 113,144,870 16,119,628 178,026,022 2,746,039,010 1,441,611,600 32,678,256 58,569,728 321,230,922 32,217,573 738,093,349 39,032,572 2,763,483,451 34,906,094 261,923,233 125,939,489 3,409,349,908 5,817,111 213,314,114 84,575,551 29,243,624 70,744,089 137,991,798 178,739,802 14,321,989 31,851,517 6,533,123 54,522,323 22,615,085 1,172,595,082 1,144,699,725 404,467,439 2,930,106,207 46,510,121 18,378,629 505,636,241 29,095,955 30,909,450 4,460,965 197,599,314 5,921,016 4,514,298 19,666,529 66,713,980 145,402,294 8,523,990 29,326,706 7,020,331 42,805,848 917,403,619 410,926,566 13,916,601 16,091,409 157,760,904 15,003,223 253,515,863 8,443,916 689,116,939 12,035,167 85,069,826 56,094,939 1,409,249,614 5,746,149 89,763,968 7,008,084 3,328,621 9,094,042 5,361,400 6,856,985 722,879 3,043,930 (340,615) (284,275) 9,231,972 144,107,117 175,774,414 27,321,935 231,008,000 (188,994) 602,995 7,827,090 2,105,883 (11,326,698) 58,130 (8,748,877) 500,461 (890,376) 702,295 14,738,129 9,062,745 431,877 1,467,776 (310,346) 692,886 (958,732) 36,529,202 395,914 515,190 22,006,224 (197,426) 24,051,548 53,573 (109,778,585) 1,429,378 10,626,922 4,231,947 201,338,616 140,789 21,069,261 2004 Annual Report 51 Georgia Department of Insurance General Cas Co Of WI 233,045 General Electric Mortgage Ins Corp 21,003,918 General Fidelity Ins Co - General Fire & Cas Co - General Ins Co Of Amer 10,089,087 General Rein Corp 1,873,236 General Security Natl Ins Co - General Star Natl Ins Co 477,732 Generali Us Branch 9 Genesis Ins Co 1,271,411 Gerling Amer Ins Co 883,530 Gerling Global Reins Corp Of Americ - Germantown Ins Co 1,255 Glens Falls Ins Co 991,608 Globe American Cas Co - GMAC Direct Ins Co - GMAC Ins Co Online Inc - Government Employees Ins Co 108,653,331 Gramercy Ins Co 817,178 Granada Ins Co - Grange Indemnity Ins Co 5,275,041 Grange Mut Cas Co 102,801,623 Granite State Ins Co 16,211,063 Graphic Arts Mut Ins Co 10,077,382 Gray Ins Co 365,459 Great American Alliance Ins Co 2,188,246 Great American Assur Co 10,662,556 Great American Ins Co 23,576,894 Great American Ins Co of NY 23,296,722 Great American Security Ins Co 44,068 Great American Spirit Ins Co 17,353 Great Divide Ins Co 120,104 Great Midwest Ins Co - Great Northern Ins Co 31,168,060 Great River Ins Co 250 Great West Cas Co 7,892,610 Greater NY Mut Ins Co 616,486 Greenwich Ins Co 11,243,301 Grocers Ins Co - Guarantee Co Of N. America USA 915,753 Guarantee Ins Co 1,957,551 Guaranty Natl Ins Co 4,035,578 Guic Ins Co - Guideone America Ins Co 4,463,566 Guideone Elite Ins Co 13,443,372 1,527,956,567 2,724,042,933 166,785,419 47,696,875 2,455,673,693 19,614,060,601 367,254,512 529,973,099 88,522,203 267,346,019 141,493,064 1,058,772,445 51,268,033 146,663,492 19,400,754 8,920,866 17,003,367 11,160,614,074 18,997,598 27,532,444 40,976,689 1,346,922,024 33,473,970 117,701,159 235,899,182 24,650,115 14,354,213 5,084,577,208 52,791,265 15,837,919 17,281,924 82,253,847 30,275,424 1,297,347,428 12,626,555 1,229,965,493 652,683,870 674,629,622 9,516,321 62,984,506 42,002,075 372,797,836 29,314,061 11,481,467 26,941,368 530,394,569 186,207,253 154,394,563 9,556,818 721,029,276 7,158,986,446 85,101,140 173,245,431 45,963,529 90,292,667 80,433,991 65,068,177 22,395,581 145,305,955 16,653,590 8,596,567 10,429,487 4,796,839,271 7,528,939 8,060,915 21,980,772 551,777,717 29,814,673 33,204,705 74,602,944 24,618,684 14,334,918 1,445,292,851 52,261,698 15,818,371 17,260,328 36,782,102 12,658,497 254,958,833 12,970,207 355,639,008 249,354,909 292,663,501 8,014,599 52,394,790 8,405,768 92,524,449 18,348,516 7,711,944 15,645,405 121,690,459 195,928,830 8,578,376 (3,424,979) 148,857,302 485,835,702 (2,749,097) 7,716,800 (9,047,552) (6,271,718) 108,235 (11,389,065) 536,094 6,233,403 679,559 48,090 (94,180) 814,529,172 996,779 (823,826) 3,150,961 66,921,934 1,252,187 3,465,304 6,775,239 552,237 297,818 488,922,772 2,064,850 340,977 641,287 3,749,185 794,936 56,084,447 362,609 40,717,527 14,795,215 12,385,609 (3,048,705) (9,628,923) (2,129,097) (23,331,890) 738,439 237,793 567,861 2004 Annual Report 52 Georgia Department of Insurance Guideone Mut Ins Co 16,247,548 Guideone Specialty Mut Ins Co 3,712,355 Gulf Ins Co 13,327,294 Hanover Ins Co 14,602,003 Harbor Specialty Ins Co 139,486 Harco Natl Ins Co 4,316,985 Harleysville Ins Co - Harleysville Mut Ins Co 7,031,476 Hartford Accid & Ind Co 8,989,262 Hartford Cas Ins Co 23,002,765 Hartford Fire In Co 82,793,411 Hartford Ins Co Of The Midwest 34,058,989 Hartford Ins Co Of The Southeast 8,765,923 Hartford Steam Boil Inspec & Ins 4,866,803 Hartford Steam Boil Inspec Ins Co C- Hartford Underwriters Ins Co 29,469,043 HCC Ins Co - Heritage Casualty Ins Co 1,062,602 Heritage Ind Co 1,099,307 Hermitage Ins Co 1,506,807 Highmark Cas Ins Co - Homesite Ins Co - Homesite Ins Co Of The Midwest 2,564,588 Homestead Ins Co - Horace Mann Ins Co 14,977,673 Houston General Ins Co - Hudson Ins Co 408,500 Illinois Natl Ins Co 1,905,780 Imperial Cas & Ind Co - Imperial Fire & Cas Ins Co - Independent Mut Fire Ins Co 362,428 Indiana Lumbermens Mut Ins Co 319,286 Infinity Ins Co 6,022,934 Infinity Select Ins Co 93,554 Ins Co Of The Americas - Insura Prop & Cas Ins Co (744) Insurance Co Of North Amer 953,801 Insurance Co Of The State Of PA 15,184,104 Insurance Co Of The West 225,743 Insurance Corp Of Amer - Insurance Corp Of Hannover 7,132,732 Insurance Corp Of NY (97,202) Integon General Ins Corp 1,075,591 Integon Ind Corp 2,427,494 Integon Natl Ins Co 1,597,810 686,708,080 143,837,765 2,685,905,231 3,448,559,485 262,018,299 375,845,432 91,013,680 1,261,820,380 9,280,269,530 1,760,160,801 20,101,633,150 241,931,966 153,603,328 1,180,371,754 65,918,525 1,236,580,922 16,759,313 162,625,543 198,019,078 114,274,495 144,867,748 35,764,575 41,135,675 8,908,980 452,477,044 43,610,245 219,950,975 50,608,973 11,356,877 49,840,501 28,002,078 112,703,916 901,858,111 23,919,378 44,070,403 39,399,588 508,398,418 3,156,974,864 630,029,800 65,327,573 732,545,148 223,834,741 74,015,706 80,662,243 221,654,950 248,121,162 38,695,778 862,797,763 1,098,811,533 34,025,528 144,320,748 22,735,392 521,653,345 2,838,945,879 754,187,889 9,754,359,522 147,202,760 62,197,491 604,532,544 32,173,422 504,893,156 16,373,922 37,549,296 84,718,393 25,903,270 56,953,942 11,517,933 13,017,011 3,591,929 141,880,222 20,616,901 79,076,284 50,518,060 10,402,142 19,741,755 24,001,735 29,330,802 322,453,733 17,249,624 9,285,419 23,516,200 68,285,235 1,094,887,196 293,453,464 10,794,166 179,850,532 (39,738,315) 39,835,173 42,877,336 87,679,314 4,146,896 813,204 (162,325,709) 20,460,715 (20,598,958) 4,331,938 3,046,731 53,648,425 358,948,919 75,026,913 390,800,522 17,248,585 7,158,916 107,684,976 6,309,784 111,756,195 1,351,455 (10,813,793) 12,799,909 3,132,703 (1,588,022) (1,089,748) 1,231,856 (13,087,289) 33,101,684 398,694 3,670,164 2,142,788 38,787 1,414,960 428,079 605,444 62,664,056 2,952,900 1,364,242 202,679 16,911,571 54,244,122 7,054,496 (8,313,957) 19,394,637 (66,452,964) 2,348,032 3,088,828 6,153,647 2004 Annual Report 53 Georgia Department of Insurance Integon Specialty Ins 3,654,161 Internat'l Bus & Merc Reassur C 49,137 International Fidelity Ins Co 2,313,265 Interstate Ind Co 7,086,476 Jefferson Ins Co 2 Jewelers Mut Ins Co 2,811,315 Kansas City Fire & Marine Ins Co 831 Kemper Cas Ins Co 135,276 Kemper Independence Ins Co - Key Risk Ins Co 20,726,588 Lancer Ins Co 3,435,598 Laurier Ind Co - Leader Ins Co - Lewis & Clark LTC RRG Inc - Lexington Natl Ins Corp - Lexon Ins Co 694,860 Liberty Ins Corp 29,314,285 Liberty Ins Underwriters Inc 5,399,423 Liberty Mut Fire Ins Co 174,379,343 Liberty Mut Ins Co 31,496,728 Lincoln General Ins Co 18,365,796 Lion Ins Co - LM General Ins Co 109,927 LM Ins Corp 13,795,612 LM Personal Ins Co - LM Property and Casualty Ins. Co. 6,761,007 Lumber Mut Ins Co - Lumbermens Mut Cas Co 291,483 Lumbermens Underwriting Alliance 2,016,870 Lyndon Property Ins Co 1,729,674 Main St Amer Assur Co 1,051 Mainland Ins Co - Manufacturers Alliance Ins Co 2,021,898 Marathon Financial Ins - Marine Ind Ins Co Of Amer - Markel American Ins Co 2,851,289 Markel Ins Co 4,847,254 Maryland Cas Co 35,703,047 Massachusetts Bay Ins Co 17,310,222 Mayflower Ins Co Ltd - MBIA Ins Corp 6,360,677 MBIA Ins Corp Of IL - Medical Assur Co Inc 6,248,761 Medical Liability Mut Ins Co (94) Medical Mut Ins Co Of NC 4,537,721 48,744,206 546,301,091 89,542,550 148,334,315 146,218,003 166,367,491 24,191,422 27,302,670 35,142,458 69,263,164 481,044,558 22,648,138 271,429,331 1,288,499 23,946,894 44,239,411 1,639,778,256 115,988,754 2,774,088,615 23,956,964,668 513,450,626 144,604,175 28,325,261 61,479,987 19,481,622 906,705,762 54,387,433 3,776,440,507 352,451,035 393,909,119 728,002,752 4,593,899 186,247,311 9,535,771 12,834,211 351,073,402 485,034,573 417,137,564 22,778,562 25,705,269 10,380,151,128 171,510,311 1,391,536,612 5,051,358,870 272,327,638 19,429,685 150,707,322 48,094,364 55,496,689 93,952,563 93,255,640 23,906,984 22,125,864 10,273,551 15,077,018 72,466,154 12,355,079 52,389,829 616,120 7,281,972 24,889,430 270,237,122 61,893,071 672,744,542 7,255,349,918 160,380,582 10,339,599 14,374,803 17,643,949 15,166,195 670,010,242 6,645,313 171,434,880 87,243,131 159,327,843 213,692,941 4,254,177 54,820,309 1,922,539 12,726,357 81,314,694 120,244,494 371,758,702 22,738,514 25,591,691 3,394,675,804 170,545,949 276,908,603 478,124,467 76,133,770 755,951 38,492,149 2,208,413 4,752,521 (490,937) 5,594,711 643,962 (359,797) 17,791 444,345 6,424,403 1,730,871 (2,534,891) (369,496) 2,450,470 4,368,087 10,298,240 3,814,068 34,625,764 216,859,590 (6,558,953) 7,826 261,613 872,712 514,875 67,057,329 (1,455,104) (65,968,578) 21,582,781 10,352,795 20,799,465 84,980 3,407,373 715,426 195,730 10,992,856 19,563,775 12,595,105 832,077 907,250 705,424,129 2,924,617 17,554,613 (408,446,320) 6,831,483 2004 Annual Report 54 Georgia Department of Insurance Medical Protective Co 22,963,642 Medmarc Cas Ins Co 1,237,833 Medmarc Mut Ins Co - Mendakota Ins Co - Mendota Ins Co 5,369,566 Merastar Ins Co 10,725,778 Merchants & Business - Mens Mut Ins Merchants Bonding Co (Mutual) 540,620 Meridian Security Ins Co - Meritplan Ins Co 2,195,133 Merrimack Mut Fire Ins Co - Metropolitan Cas Ins Co 4,161,031 Metropolitan Drt Prop & Cas Ins 1,640,690 Metropolitan General Ins Co 1,843,336 Metropolitan Grp Prop & Cas Ins 22,411,997 Metropolitan Property & Cas Ins 27,102,950 MGA Ins Co Inc - MGIC Assur Corp General Account - MGIC Assur Corp - Segregated Account MGIC Ind Corp 8,060 MIC General Ins Corp 4,705,637 MIC Prop & Cas Ins Corp 401,523 Mid-Century Ins Co - Middlesex Ins Co 2,753,092 Midwest Employers Cas Co 11,033,577 Midwestern Ind Co 1,671,138 Millers Capital Ins Co - Millers First Ins Co - Minnesota Lawyers Mut Ins Co 565,797 Mitsui Sumitomo Ins Co of Amer 4,236,937 Mitsui Sumitomo Ins USA Inc 4,383,390 Monumental General Cas Co 32,865 Mortgage Guaranty Ins Corp 42,339,872 Motors Ins Corp 3,470,830 MS Cas Ins Co 4,460 Mutual Savings Fire Ins Co 99,553 Mutual Service Cas Ins Co - National Alliance Ins Co - National American Ins Co 123,043 National Cas Co 10,596,711 National Continental Ins Co - National Farmers Union Prop & Cas 1,727,112 National Fire & Ind Exch 371,502 2,172,578,737 93,290,414 216,814,682 21,324,446 96,623,392 105,090,202 13,971,605 53,240,634 150,438,619 41,766,659 701,442,084 42,386,993 25,572,518 27,211,421 364,497,788 5,192,195,854 43,184,748 8,683,483 - 21,317,083 69,081,551 372,621,054 2,900,573,177 529,668,970 227,301,111 34,196,414 87,326,739 45,591,509 77,640,967 621,451,129 92,166,731 7,946,981 7,022,545,443 7,780,726,586 34,969,184 3,143,621 57,048,505 27,331,624 127,510,366 98,918,852 102,385,823 288,439,690 14,622,869 510,821,586 36,105,317 101,543,989 8,919,254 35,970,240 21,823,404 12,466,216 36,952,764 68,096,459 15,523,104 386,424,191 41,324,239 21,886,729 26,456,576 198,641,215 1,874,998,801 17,560,376 8,616,101 - 20,887,350 14,389,660 52,320,011 558,360,716 165,652,482 112,388,141 28,367,949 35,494,649 18,104,155 43,934,530 131,865,214 38,603,886 7,795,132 1,776,805,205 2,073,786,931 15,212,297 1,985,530 35,854,496 20,979,900 41,458,189 93,049,957 43,402,912 90,905,039 7,107,196 89,226,293 3,914,353 4,238,861 557,974 2,711,952 (5,292,076) 1,040,521 2,050,710 4,895,445 591,695 18,778,853 2,995,867 1,396,051 2,083,831 12,199,590 355,685,055 863,915 182,586 4,278,102 504,889 603,999 1,328,890 (83,881,910) 15,202,910 6,269,569 594,757 3,096,044 (91,835) 2,408,640 (1,192,418) (264,564) (458,187) 163,976,698 366,251,684 (425,344) (1,571,116) 1,686,061 1,047,055 (7,481,856) 3,409,356 15,349,962 19,587,184 84,009 2004 Annual Report 55 Georgia Department of Insurance National Fire Ins Co Of Hartford 13,689,447 National General Assur Co - National General Ins Co 10,044,973 National Ind Co 11,578,062 National Ins Assn - National Ins Co Of WI Ins - National Ins Underwriters - National Interstate Ins Co 3,510,698 National Liab & Fire Ins Co 3,144,781 National Lloyds Ins Co 267,749 National Reins Corp - National Security Fire & Cas Co 3,366,776 National Specialty Ins Co 866,314 National Surety Corp 7,683,272 National Trust Ins Co 21,253,493 National Union Fire Ins Co Of LA 348,072 National Union Fire Ins Co Of Pitts 86,803,729 Nationwide Affinity Co of Amer - Nationwide Agribusiness Ins Co 2,410,723 Nationwide Assur Co 20,875,922 Nationwide General Ins Co 1,073,864 Nationwide Ins Co Of Amer - Nationwide Mut Fire Ins Co 188,082,493 Nationwide Mut Ins Co 39,858,044 Nationwide Prop & Cas Ins Co 3,568,972 Natl Grange Mut Ins Co 447,859 Navigators Ins Co 519,048 NCMIC Ins Co 2,348,886 Netherlands Ins Co The 9,942,202 New England Ins Co - New England Rein Corp - New Hampshire Ins Co 6,196,481 New South Ins Co 4,147,336 New York Marine & Gnrl Ins Co 1,060,610 Newark Ins Co - Niagara Fire Ins Co - Nipponkoa Ins Co Ltd U.S. Branch 162,074 NIPPONKOA Ins Co of America 174,968 NLC Mut Ins Co - Norguard Ins Co 6,667,841 North American Elite Ins Co - North American Lumber Ins Co - North American Specialty Ins Co 3,904,428 North River Ins Co 2,932,299 North Star Rein Corp - 159,635,925 48,091,895 130,278,168 50,959,623,242 22,049,900 33,200,277 6,478,240 297,898,153 654,764,359 135,325,973 1,065,840,451 52,502,853 17,037,119 465,097,020 29,442,044 6,855,498 26,389,125,641 13,741,648 92,247,964 70,630,528 21,708,220 78,242,646 4,279,315,119 24,183,383,266 25,961,535 723,120,585 804,920,727 445,665,659 182,028,229 281,577,238 124,408,743 3,095,053,479 74,726,673 530,150,656 23,965,821 56,291,905 178,927,891 59,875,558 191,075,630 236,813,283 38,085,567 9,391,039 285,042,566 844,850,943 17,473,718 159,227,096 8,814,763 37,252,501 27,224,758,839 9,330,959 12,215,774 5,981,002 92,124,127 278,812,224 71,714,634 722,092,484 23,766,134 9,180,234 143,121,760 8,041,959 5,919,162 8,553,964,180 13,084,401 47,666,896 66,652,856 21,304,498 71,764,343 1,490,739,240 7,581,203,308 25,563,709 358,307,326 235,561,311 131,123,717 45,867,800 253,343,617 107,837,829 993,229,379 30,265,530 167,010,170 3,647,983 55,894,626 51,281,764 43,918,395 45,846,242 56,503,138 35,587,785 5,928,706 185,292,273 304,373,911 17,430,817 2,853,192 105,453 3,438,406 2,185,998,512 813,531 (306,372) (20,071) 20,450,215 35,000,283 13,154,370 42,898,666 2,163,508 583,693 19,890,832 (1,961,926) 253,103 661,875,397 492,199 2,001,973 2,813,174 827,716 3,838,077 188,585,607 1,028,219,273 1,019,277 14,762,292 30,282,487 8,920,648 4,244,383 7,149,274 4,045,224 97,695,196 1,445,133 5,567,578 (4,514,203) 2,872,906 1,314,322 2,376,082 (3,305,497) 2,323,790 613,075 (165,613) 8,128,334 27,702,124 342,272 2004 Annual Report 56 Georgia Department of Insurance Northbrook Ind Co Northern Assur Co Of Amer Northern Ins Co Of NY Northland Cas Co Northland Ins Co Northwestern Natl Ins Co Milwaukee Northwestern Natl Ins Co Seg Accnt Nova Cas Co Occidental Fire & Cas Co Of NC Odyssey America Reins Co Ohic Ins Co Ohio Cas Ins Co Ohio Farmers Ins Co Ohio Ind Co Ohio Security Ins Co Old Dominion Ins Co Old Republic Ins Co Old Republic Security Assur Co Old Republic Surety Co Old Republic Union Ins Co Old United Cas Co Omaha Ind Co Omaha Prop & Cas Ins Co Omega Ins Co Omni Ind Co Omni Ins Co OneBeacon America Ins Co OneBeacon Ins Co OneBeacon Midwest Ins Co Oriska Ins Co Owners Ins Co Pacific Employers Ins Co Pacific Ind Co Pacific Specialty Ins Co PACO Assur Co Inc Partner Reins Co Of The US Partnerre Ins Co Of NY Pathfinder Ins Co Patriot General Ins Co Peachtree Cas Ins Co Peak Prop & Cas Ins Corp Peerless Ind Ins Co Peerless Ins Co 3,277,341 402,603 11,354,149 491,800 5,125,222 - 14,918 3,709,623 15,804,330 5,545 12,655,019 230,506 191,232 191,896 9,476,737 16,686,201 (9,349) 1,102,108 841,149 (18,184) 53,567 8,029,300 2,328,564 1,112,501 1,168,070 (65,121) 58,097,781 (1,185,208) 13,743,896 8,074,312 393 203,371 16,443,730 1,763,500 4,295,502 260 22,569,390 97,583,070 345,033,192 63,726,233 98,781,611 1,100,314,135 74,388,972 69,404,248 70,893,629 257,884,876 4,855,108,622 322,045,210 2,595,541,693 1,202,049,684 101,167,792 65,736,796 74,204,968 1,847,752,460 89,493,716 88,208,738 30,438,347 252,979,678 28,267,565 26,017,940 40,115,194 63,445,265 344,385,170 1,299,574,612 3,849,875,366 40,380,913 15,920,155 1,642,375,010 1,561,607,108 4,612,460,408 231,026,311 16,000,793 2,717,642,330 114,708,640 11,474,905 20,579,260 12,585,177 13,479,925 1,579,863,464 2,541,989,714 97,280,405 163,926,535 28,328,219 26,042,768 434,703,081 (46,760,159) 5,713,858 18,758,112 118,655,267 1,675,858,314 63,004,502 972,040,019 919,714,648 30,879,673 33,913,427 18,810,086 676,747,282 17,165,928 38,234,334 21,605,624 69,768,635 20,911,734 11,663,682 4,980,791 28,888,055 115,612,303 596,566,817 1,361,450,908 39,756,191 5,302,546 538,196,688 315,291,970 1,151,862,187 74,835,413 10,019,795 586,542,837 99,139,982 7,078,004 18,830,017 5,613,537 10,035,307 544,638,895 862,051,773 1,559,065 11,145,475 1,138,996 3,796,749 38,132,738 (11,277,446) (1,131,570) 877,554 1,788,837 159,367,758 5,059,610 138,316,530 24,209,876 (11,300,632) 1,724,405 1,988,522 94,220,358 1,942,254 5,527,652 1,538,667 17,492,327 1,436,047 8,100,829 (13,484,671) (786,519) (6,576,987) 45,845,846 266,740,639 2,643,931 (1,132,513) 59,158,636 34,917,724 254,838,510 9,312,555 255,751 7,270,968 6,705,186 999,112 634,315 424,466 887,081 33,788,076 63,005,058 2004 Annual Report 57 Georgia Department of Insurance Penn Millers Ins Co 7,342,405 Penn-Star Ins Co 116,075 Pennsylvania General Ins Co 133,790 Pennsylvania Lumbermens Mut Ins 7,592,714 PA Manufacturers Asn Ins 7,378,285 PA Manufacturers Ind Co (154,137) Pennsylvania Ntl Mut Cas Ins Co 457,855 Permanent Gen Assur Corp Of OH 8,086,450 Permanent General Assur Corp 9,856,975 Petroleum Cas Co 23,876 Pharmacists Mut Ins Co 797,481 Philadelphia Ind Ins Co 12,516,609 Philadelphia Rein Corp - Phoenix Ind Ins Co - Phoenix Ins Co 63,549,413 Plateau Cas Ins Co - Platinum Underwriters Reins Co. - Platte River Ins Co. 1,633,985 PMA Capital Ins Co - PMI Mortgage Ins Co 31,867,883 Podiatry Ins Co Of Amer A Mut Co 1,995,750 Preferred Professional Ins Co 1,786 Pre-Paid Legal Cas Inc 14,529,208 Princeton Ins Co (40,101) Private Residential Mortgage Ins - Producers Lloyds Ins Co 19,590,595 Professional Liab Ins Co Of Amer - Professional Solutions Ins Co 5,136 Professionals Advocate Ins Co - Professionals Direct Ins Co 287,241 Progressive American Ins Co 62,609,270 Progressive Bayside Ins Co 102,350,672 Progressive Cas Ins Co 8,738,526 Progressive Choice Ins Co - Progressive Classic Ins Co 83,206,805 Progressive Gulf Ins Co 35,452,820 Progressive Halcyon Ins Co 99,710,659 Progressive Home Ins Co 1,241 Progressive Max Ins Co 79,598,548 Progressive Northern Ins Co 8,669,594 Progressive Northwestern Ins Co 44,466,567 Progressive Preferred Ins Co 183,821,938 Progressive Southeastern Ins Co 26,037,209 Progressive Specialty Ins Co - Pronational Ins Co 528,721 152,172,349 153,824,324 627,884,251 241,265,227 598,171,292 187,083,693 833,905,757 79,735,092 179,860,977 15,206,951 145,288,276 1,706,938,737 228,334,186 27,683,590 3,371,332,931 9,559,377 1,421,278,625 63,839,269 928,263,456 3,421,678,942 176,983,633 186,783,125 21,854,148 976,378,364 19,955,592 9,499,735 16,767,214 11,397,622 85,128,771 40,430,322 312,072,265 116,686,282 6,508,115,130 235,523,515 393,541,845 278,664,655 1,841,277,675 147,959,415 208,726,652 1,426,094,929 1,393,365,724 692,937,261 128,348,771 987,007,278 1,012,971,631 45,444,878 48,410,156 220,615,709 83,690,325 183,794,972 61,418,753 304,593,441 21,383,092 63,732,313 10,811,416 50,885,291 417,779,814 138,764,177 14,037,966 995,749,290 4,991,269 403,121,410 29,668,909 224,510,897 645,481,428 55,804,333 49,884,177 19,910,855 166,634,616 10,891,754 7,691,899 7,063,463 8,523,802 16,814,968 16,823,166 109,326,603 35,814,229 1,773,858,286 86,199,154 109,558,152 114,212,818 683,556,253 56,953,206 55,192,100 435,872,284 438,470,765 198,107,769 35,803,822 427,401,132 241,824,698 781,528 5,449,744 10,472,488 8,812,707 10,963,786 4,629,064 10,702,307 3,273,889 9,004,319 1,263,542 (120,097) 35,554,982 20,069,047 3,414,034 237,831,722 (327,728) 20,574,244 899,461 40,803,887 273,776,415 4,211,658 108,252 4,148,526 18,203,976 629,413 9,090 1,258,457 (280,266) 1,935,114 802,883 28,960,228 15,132,515 727,574,853 20,282,450 44,243,614 30,729,009 80,230,991 6,388,933 9,888,489 182,813,145 174,211,304 86,987,109 14,520,666 107,128,975 32,448,499 2004 Annual Report 58 Georgia Department of Insurance Property & Cas Ins Co Of Hartford 493,125 Proselect Natl Ins Co Inc - Protective Ins Co 292,974 Providence Property & Cas Ins Co 1,971,167 Providence Washington Ins Co 2,838,846 Providence Washington 2,096,784 Ins Co Of NY Public Service Mut Ins Co 62,156 Putnam Rein Co - PXRE Reins Co - QBE Ins Corp 8,543,851 QBE Reins Corp - Quadrant Ind Co 37,660 Quanta Ind Co 798,671 Radian Asset Assur Inc 362,825 Radian Guaranty Inc 37,127,193 Rampart Ins Co - Realm Natl Ins Co (58,038) Redland Ins Co 6,997,126 Regal Ins Co 6,865,783 Regent Ins Co 31,493 Republic Ind Co Of Amer - Republic Ind Co of CA - Republic Ins Co - Republic Mortgage Ins Co 30,839,324 Republic Mortgage Ins Co Of FL - Republic Mortgage Ins Of NC - Republic Western Ins Co 548,222 Republic-Franklin Ins Co 6,441,166 Residential Guaranty Co - Response Ins Co 24,050 Response Worldwide Ins Co 2,029,766 Riverport Ins Co 2,119,951 RLI Ind Co 44,664 RLI Ins Co 8,275,505 Rochdale Ins Co Of NY 4,575,498 Roche Surety And Cas Inc 2,665 Royal Ind Co 727,480 RSUI Ind Co 10,510,379 Rural Community Ins Co 16,512,340 Rvi Amer Ins Co 170,486 Safe Auto Ins Co 20,304,336 Safeco Ins Co Of Amer 16,722,576 Safeco Ins Co Of IL 20,734,911 Safeco Ins Co Of IN 4,917,532 160,059,788 10,850,403 525,494,726 54,051,228 260,382,480 30,423,965 629,519,474 404,656,007 504,763,561 357,534,197 1,010,836,153 135,872,509 229,097,854 2,070,002,371 3,249,765,091 119,762,924 24,157,948 118,627,274 41,206,620 223,994,748 797,778,706 36,926,208 73,293,014 1,660,956,496 35,845,378 400,811,055 285,292,447 78,557,752 358,296,329 87,953,216 62,040,133 65,710,263 33,773,198 1,216,033,560 54,802,853 11,932,571 4,774,041,704 1,471,896,849 2,166,989,030 80,170,306 294,272,358 3,785,601,534 542,479,691 11,457,634 66,837,515 10,735,112 318,181,776 17,679,794 22,160,799 5,391,104 172,742,953 125,637,737 224,926,041 130,803,504 435,588,093 36,795,794 34,662,283 1,003,747,907 426,623,014 48,102,716 (5,520,350) 25,857,977 13,960,840 74,140,611 242,555,602 14,697,415 14,636,399 138,580,663 10,464,375 75,498,248 64,789,226 29,067,899 94,850,670 68,751,074 24,417,585 29,117,478 32,881,474 605,966,803 12,037,665 5,028,255 893,538,458 647,279,811 122,330,937 24,226,200 92,996,714 1,043,397,228 166,377,872 11,346,684 10,340,609 340,890 14,384,410 543,984 (28,382,922) (2,917,995) 21,177,227 8,478,994 3,206,478 2,147,460 28,563,732 4,752,372 (8,806,427) 42,416,028 329,797,181 4,511,042 (15,157,170) 49,273 1,150,874 8,746,634 40,038,304 917,919 1,245,318 152,519,223 3,294,756 52,636,085 (5,261,694) 2,150,302 48,549,025 1,957,669 234,331 1,535,128 1,084,018 35,867,725 1,636,902 72,164 (625,738,432) 83,278,491 15,837,432 4,386,156 18,791,843 232,066,903 37,729,143 259,375 2004 Annual Report 59 Georgia Department of Insurance Safeco Natl Ins Co 13,946,030 Safety First Ins Co 49,676 Safety Natl Cas Corp 7,581,727 Safeway Ins Co - Sagamore Ins Co 832,225 San Francisco Reins Co - Scor Reins Co - Scottsdale Ind Co 448,866 Sea Ins Co Of Amer - Seaboard Surety Co 802,364 SeaBright Ins Co - Seaworthy Ins Co - Security Ins Co Of Hartford (152,628) Security Natl Ins Co 4,441,584 Select Ins Co 70,881 Selective Ins Co Of Amer 2,365,917 Selective Ins Co Of SC 18,035,538 Selective Ins Co Of The Southeast 9,348,111 Selective Way Ins Co 13,608,158 Seneca Ins Co Inc 1,120,771 Senior Citizens Mut Ins Co - Sentinel Ins Co Ltd 96,994 Sentry Ins A Mut Co 10,595,979 Sentry Select Ins Co 30,958,302 Service Ins Co 217,395 Shelby Cas Ins Comp - Shelby Ins Co (3,597) Sirius Amer Ins Co 1,116,273 Sompo Japan Fire & Mar Ins Co Am - Sompo Japan Ins Co of Amer 2,175,207 South Carolina Ins Co (16,671) Southern Fire & Cas Co 1,525,984 Southern General Underwriters Ins 2,412,337 Southern Gty Ins Co 1,433 Southern Ins Co 59,833 Southern Ins Co Of VA 17,568,694 Southern Mut Church Ins Co 5,184,400 Southern Pilot Ins Co 1,885,769 Southern States Ins Exch 1,340,633 Southern United Fire Ins Co 2,197,067 Spartan Prop Ins Co 4,040,229 St Paul Fire & Cas Ins Co 1,533,833 St Paul Fire & Marine Ins Co 86,555,122 St Paul Guardian Ins Co 7,728,139 St Paul Medical Liability Ins Co 2,200 223,266,068 15,345,755 1,095,482,630 360,459,333 157,154,523 279,505,164 1,970,167,532 14,782,941 634,152,260 265,697,215 183,523,406 38,681,384 1,235,216,750 18,617,751 66,499,972 1,924,326,544 320,427,240 245,428,804 721,669,962 255,473,772 19,542,015 343,261,181 4,667,634,521 556,728,291 40,240,374 29,390,836 28,298,604 287,899,980 23,531,331 518,103,814 18,082,171 9,914,742 13,471,035 311,636,156 9,171,262 108,244,346 27,898,479 49,250,323 31,517,847 34,109,192 21,412,079 9,585,823 19,049,272,602 14,494,219 189,670,554 72,298,698 10,891,062 286,173,706 220,187,222 88,967,140 248,916,798 505,761,395 14,602,556 70,615,482 121,035,631 54,499,521 18,263,378 166,909,409 18,288,039 57,091,492 463,502,771 70,146,367 53,649,602 161,699,453 82,471,788 5,385,256 286,038,180 2,366,714,920 152,500,671 12,000,000 21,685,104 26,838,578 82,197,309 22,732,576 198,288,376 (2,324,696) 9,905,824 5,524,545 88,720,312 8,722,159 50,253,802 15,378,704 48,519,034 14,541,000 21,440,066 11,369,543 9,480,473 5,508,658,245 14,358,714 44,618,696 15,557,043 782,578 34,094,452 16,166,782 5,630,918 8,314,774 (32,891,840) 475,049 (51,671,468) 36,665,717 (1,735,556) 1,264,963 (183,366,393) 552,113 7,697,475 83,679,267 10,621,941 8,571,131 25,152,803 6,834,348 (1,783,712) 12,185,571 125,865,410 16,060,016 (9,924,230) 2,702,344 22,551,673 2,536,247 328,015 (10,202,000) (6,230,202) 257,850 425,928 (3,792,308) 246,309 2,868,102 1,887,677 616,725 940,059 2,420,723 334,710 1,046,152 190,468,451 3,187,235 1,224,619 2004 Annual Report 60 Georgia Department of Insurance St Paul Mercury Ins Co 22,428,698 St. Paul Protective Ins Co 211,857 Standard Cas Co 76,008 Standard Fire Ins Co 12,861,074 Standard Guaranty Ins Co 178,299 Star Ins Co 1,835,025 Starnet Ins Co - State Auto Natl Ins Co 1,165,175 State Auto Prop & Cas Ins Co 21,720,691 State Automobile Mut Ins Co 12,621,229 State Farm Fire And Cas Co 678,591,013 State Farm General Ins Co 1,588,613 State Farm Mut Auto Ins Co 1,151,768,899 State Natl Ins Co Inc 1,487,487 State Volunteer Mut Ins Co 2,729,918 Steward RRG - Stonebridge Casualty Ins Co 3,746,723 Stonewall Ins Co - Stonington Ins Co 6,835,442 Stratford Ins Co 7,406,145 SUA Ins Co - Suecia Ins Co - Surety Bonding Co Of Amer 15,448 Swiss Rein America Corp - T.H.E. Ins Co 636,799 Teachers Ins Co 2,854,985 Technology Ins Co Inc 15,583,671 The Bar Plan Mut Ins Co 22,409 The Cincinnati Indemnity Co 3,492,181 TIG Ind Co - TIG Ins Co (19,121) Titan Ind Co - TNUS Ins Co - Toa-Re Ins Co Of Amer - Tokio Marine & Nichido Fire Ins Co 12,509,516 Toyota Motor Ins Co 80,660 Traders & General Ins Co - Trans Pacific Ins Co 141,217 Transatlantic Rein Co - Transcontinental Ins Co 9,238,268 Transguard Ins Co Of Amer Inc 2,221,750 Transport Ins Co - Transportation Cas Ins Co 4,044,781 Transportation Ins Co 15,168,538 Travco Ins Co 27,579,853 25,711,916 369,393,744 21,075,005 3,243,996,606 109,337,587 410,095,198 39,660,923 124,870,199 1,343,492,669 1,654,197,514 20,636,268,908 3,492,482,742 84,405,164,872 148,583,283 765,612,145 1,920,611 176,731,615 96,540,478 233,066,890 157,344,444 102,807,638 64,795,506 8,640,953 11,467,287,733 139,050,281 306,233,324 98,427,677 47,335,755 71,598,858 25,724,673 2,148,705,604 116,883,990 114,493,589 1,175,960,181 1,349,877,977 111,939,287 7,851,918 43,030,380 7,482,980,176 92,384,822 206,139,267 60,641,705 85,483,326 80,024,640 194,031,455 25,435,132 225,764,645 15,699,841 924,701,700 46,693,192 120,726,543 22,796,406 59,318,027 419,743,123 1,089,281,968 6,519,567,405 1,080,105,073 46,144,210,960 77,106,072 167,868,110 1,395,185 71,541,200 61,653,811 55,316,888 45,937,368 100,724,927 26,425,490 6,686,834 2,647,733,082 38,154,779 61,927,042 31,692,203 20,787,405 60,170,312 23,735,323 742,027,190 94,119,674 44,515,658 330,037,299 409,666,340 26,336,458 7,816,252 31,943,616 1,944,450,139 88,776,611 64,076,265 17,491,293 28,213,507 79,740,730 61,915,897 7,620,464 8,933,494 2,006,102 184,779,488 23,225,579 7,039,794 1,296,325 5,798,448 74,234,638 31,468,124 2,031,797,262 326,914,522 3,075,871,993 5,258,826 10,819,382 (88,744) 5,521,202 (1,779,877) (11,205,159) 2,755,028 (3,382,667) 1,359,059 859,846 (100,251,577) 2,477,356 (12,156,767) 3,294,907 252,727 2,298,502 1,328,389 (139,926,482) 8,939,805 1,226,715 3,315,890 32,785,991 (2,102,533) 184,861 498,855 141,830,214 2,411,075 (3,555,552) (36,330,467) (766,622) 3,199,889 7,244,040 2004 Annual Report 61 Georgia Department of Insurance Travelers Commercial Cas Co - Travelers Cas & Surety Co 8,313,726 Travelers Cas & Surety Co Of Amer 27,813,047 Travelers Cas Co Of CT - Travelers Cas Ins Co Of Amer - Travelers Commercial Ins Co - Travelers Home & Marine Ins Co - Travelers Ind Co 46,274,664 Travelers Ind Co Of Amer 78,387,365 Travelers Ind Co Of CT 15,284,956 Travelers Ins Co Accident Dept (543,459) Travelers Prop Cas Ins Co 9,653,706 Travelers Property Cas Co Of Amer 128,232,472 Trenwick Amer Reins Corp (2,818) Triad Guaranty Ins Corp 5,190,529 Trinity Universal Ins Co 1,032,041 Trinity Universal Ins Co Of KS 1,833,508 Triton Ins Co 2,411,991 Triumphe Cas Co (1,000) Truck Ins Exch 403,131 Trumbull Ins Co 6,316,612 Trustgard Ins Co 131,337 Twin City Fire Ins Co Co 48,030,469 Ulico Cas Co 194,094 Underwriter For The Professions Ins - Union Ins Co 100,872 Union Standard Ins Co - United Americas Ins Co - United Automobile Ins Co 4,436,954 United Cas Ins Co Of Amer 4,431,635 United Fire & Cas Co 23,986 United Fire & Indemnity Co - United Fncl Cas Co (19,029) United Gty Residential Ins Co 27,188,990 United Gty Residential 454,699 Ins Co Of NC United Guaranty Mtg Indem Co 2,387,205 United Natl Cas Ins Co - United Natl Specialty Ins Co 433,719 United Services Auto Assoc 186,245,980 United States Fire Ins Co 18,791,533 United States Liability Ins Co 2,893,740 United States Surety Co - United WI Ins Co - Unitrin Auto & Home Ins Co 11,031,954 307,132,545 13,576,189,533 2,295,233,475 301,024,863 1,716,694,880 303,605,016 189,222,931 13,847,003,555 493,107,796 944,884,031 67,958,043,231 200,114,015 254,845,869 440,238,995 572,412,541 3,271,968,256 11,811,061 679,979,932 23,684,445 1,215,272,417 381,801,569 54,840,503 508,805,319 133,290,179 160,238,755 60,298,811 22,122,921 10,094,503 401,890,976 17,494,507 991,560,899 32,412,352 144,998,399 1,886,679,806 288,831,876 71,909,933 3,343,509,864 870,472,452 75,126,126 424,000,131 78,459,103 62,406,392 4,639,341,956 132,717,507 293,709,991 7,885,780,496 59,382,653 86,613,114 62,378,173 135,661,498 1,061,208,341 11,614,974 377,353,794 11,735,789 349,244,684 288,934,502 18,423,360 231,053,615 45,311,083 77,205,274 22,877,989 20,642,948 9,006,030 97,382,602 15,193,160 383,971,011 10,032,614 56,741,391 481,788,842 122,173,806 108,440,974 30,071,141 85,923,803 14,383,719,578 2,934,247,259 635,171,449 14,675,504 153,776,041 46,871,977 21,276,969 21,913,614 53,406,567 9,060,159,157 885,280,943 364,410,481 5,302,494 55,162,812 22,702,083 15,799,887 777,939,836 198,739,196 14,188,128 89,934,819 14,309,556 7,560,119 1,097,538,514 28,791,754 54,278,922 3,669 9,646,482 14,591,146 10,231,849 77,076,521 100,506,741 556,690 17,173,286 2,204,836 31,446,896 12,148,445 3,606,860 26,939,811 (3,755,323) 9,307,039 3,091,297 1,177,910 744,678 27,024,405 13,533 49,992,603 1,942,776 16,532,243 210,134,259 121,340,518 6,923,397 1,018,019 2,851,670 643,465,819 43,569,669 9,717,303 645,965 10,184,242 (1,133,625) 2004 Annual Report 62 Georgia Department of Insurance Unitrin Direct Property & Cas Co Universal Cas Co Universal Ins Co Universal Surety Of Amer Universal Underwriters Ins Co US Fidelity & Guaranty Co US Specialty Ins Co USAA Cas Ins Co USAA General Ind Co Usauto Ins Co Usf&G Ins Co Of Ms Usplate Glass Ins Co Utica Mut Ins Co Utica Natl Assur Co Valiant Ins Co Valley Forge Ins Co Vanliner Ins Co Verex Assure Inc Vesta Fire Ins Corp Vesta Ins Corp Victoria Fire & Cas Co Victoria Select Ins Co Vigilant Ins Co Vinings Ins Co Virginia Mut Ins Co Virginia Surety Co Inc Vision Service Plan Ins Co Voyager Property & Cas Ins Co Warner Ins Co Washington Intl Ins Co Wausau Business Ins Co Wausau General Ins Co Wausau Underwriters Ins Co Wesco Ins Co West American Ins Co Westchester Fire Ins Co Western Diversified Cas Ins Co Western General Ins Co Western Surety Co Westfield Ins Co Westfield Natl Ins Co Westport Ins Corp Williamsburg Natl Ins Co Windsor Ins Co Workmens Auto Ins Co 11,960 27,232,233 17,500,306 6,094,053 126,577,676 13,797,581 3,990,554 14,313,821 2,439,123 88,241 9,793,253 4,264,696 6,661 17,206 2,511,916 8,248,904 94,645 6,877,190 5,108,216 7,887,979 7,246,677 345,382 667,837 2,123,887 227,482 7,179,627 1,377,615 2,896,487 9,761,088 (2,371) 9,223,074 42,724,326 1,843 34,112,523 4,926 239,576 2,056,019 30,944,797 74,902,341 19,542,481 25,281,185 608,597,750 4,842,602,931 465,798,205 4,721,087,571 394,604,786 56,005,758 20,036,361 9,706,604 1,994,746,341 52,269,514 19,093,532 49,665,836 345,430,570 29,010,662 505,954,048 11,707,797 117,023,748 7,306,137 367,326,514 5,961,667 28,705,043 1,927,446,396 49,856,335 83,061,205 24,312,738 100,092,487 145,788,314 141,579,915 202,355,392 310,110,552 1,884,055,545 1,892,152,803 10,392,339 77,247,937 786,746,041 1,825,649,494 376,154,724 1,216,167,614 28,310,878 390,774,069 66,193,111 14,991,540 29,659,698 8,142,820 10,279,601 481,294,512 1,741,364,927 139,692,804 1,702,477,549 146,374,868 20,046,192 19,256,933 5,789,474 510,286,749 19,843,070 15,220,001 49,642,898 104,922,753 9,300,147 145,480,164 10,511,363 42,699,824 7,201,896 119,469,655 5,886,513 9,241,107 461,555,129 42,127,999 30,287,884 16,463,048 39,371,649 42,137,228 51,389,043 99,813,304 225,397,104 484,609,046 500,179,816 10,236,060 24,945,421 252,413,957 517,568,247 129,129,483 340,664,815 15,579,099 131,838,972 16,317,276 725,296 861,483 1,759,395 1,756,432 20,233,155 (495,771,583) 13,723,511 308,173,571 21,188,179 1,995,879 1,024,239 484,971 74,154,060 1,612,999 610,329 2,230,327 3,615,588 2,293,236 1,776,377 148,016 4,855,983 241,194 15,983,056 130,238 1,511,969 97,996,589 4,431,024 23,837 (454,893) 2,921,205 2,198,543 2,731,956 5,726,197 61,854,226 71,320,486 13,092,170 155,435 1,141,776 49,203,819 64,095,753 12,170,403 (55,857,178) 2,544,286 8,903,643 267,232 2004 Annual Report 63 Georgia Department of Insurance XL Capital Assurance Inc XL Ins Amer Inc XL Reins America Inc XL Specialty Ins Co York Ins Co Yosemite Ins Co Zenith Ins Co Zurich American Ins Co Zurich American Ins Co Of IL Totals 2,675,418 20,647,304 36,014,531 920,938 1,343,349 12,529,077 142,375,674 929,213 10,417,197,526 341,937,445 197,705,294 482,264,827 165,340,292 4,415,380,226 1,775,406,849 633,571,803 140,159,899 40,454,198 3,165,917 445,313,477 348,785,461 1,971,228,945 573,270,150 25,058,754,305 4,924,606,959 45,425,011 44,477,836 1,151,608,601,731 392,196,031,474 (6,473,221) 18,945,696 134,967,918 17,217,757 (4,724,426) 33,238,249 111,501,704 (1,082,848,157) 1,543,085 35,260,464,588 Georgia Department of Insurance Premium Finance Companies 64 GID # 80168 80157 80182 80156 80145 80149 80186 80144 80155 80151 80148 80162 80254 80227 81376 80276 80284 80456 80461 80482 80481 80487 80489 80502 80507 80516 80517 80542 80558 80553 80576 80615 80617 80647 80654 80694 80697 80824 80827 80851 80876 80902 81003 80998 PREMIUM FINANCE COMPANY ADDRESS CITY Insurance House, Inc. (The) 1904 Leland Drive Marietta Casualty Underwriters, Inc. 2900 Chamblee Tucker Rd, Bldg #14 Atlanta SIUPREM, Inc. 4500 Mansell Road Alpharetta Capitol Premium Plan, Inc. 3816 Latrobe Drive, Suite C Charlotte AFCO Credit Corporation 2951 Flowers Road, Suite 132 Atlanta Assigned Risk Acceptance Corporation 555 Arlington Place Macon AICCO, Inc. 101 Hudson Street Jersey City A.I. Credit Corporation 101 Hudson Street Jersey City Cananwill, Inc. 1234 Market Street, Suite 340 Philadelphia Taylor &Towson Ins. Finance Co., Inc. 10 Hills Midtown Mall, P.O. Box 365 Fitzgerald AMGRO, Inc. 100 North Parkway Worcester Georgia Farm Bureau Investment Co. 1620 Bass Road - P.O.Box 7127 Macon Old South Enterprises, Inc. 6575 Peachtree Industrial Blvd Norcross dba Old South PFC CIA Premium Finance 1 30 Dempsey Avenue Jackson M.W. Carmichael, Inc. Snellings Walters Insurance Agency 1117 Perimeter Center, Suite W101 Atlanta Allen Insurance & Realty Company 304 Martin Luther King Jr. Blvd Ft. Valley Williams Ins. Agency & Realty Sales 127 Temple Avenue Newnan Easy-Pay Premium Finance 202 East Fifth Street Louisville M. Premium Finance Corporation 2180 N. Ashley Street Valdosta Network Premium Finance, Inc. 2889 Elmwood Drive Smyrna Liberty Hill Mutual Inc. 12 N. Layfayette Square LaGrange Professional Insurance Agency, Inc. 509 West Ogeechee Street Sylvania Maxey Insurance Agency, Inc. 1608 Lake Harbin Road Morrow Central Georgia Ins. ,Inc. 3199 Pio Nono Avenue Macon C.G.I. Budget Pay Baldwin Acceptance Corporation 1531 North Columbia Street Milledgeville Premium Assignment Corporation 3522 Thomasville Rd., Ste. 400 Tallahassee Ace Auto Insurance #1022 3737 Main Street - P.O. Box 87455 College Park Brokers Premium Finance Company, Inc.Post Office Box 81464 Conyers Insurance Payment Company 1220 Old Alpharetta Road, Suite 300 Alpharetta Town Ins. Agency Premium Finance Co. 4800 River Green Parkway Duluth Joe McCart Ins Premium Service Co. 2405 Satellite Boulevard, Suite 200 Duluth Tanner Ins Express Premium Finance Co.709 N. Main Street - P.O. Box 1155 Pearson Thomco Finance, Inc. 3380 Chastain Meadows Pkwy, Suite 100 Kennesaw Continental Premium Finance Corp. 1329 North Meadow Pkwy Roswell Payment Outlets, Inc. 2440 Sandy Plains Rd., Bldg #5 Marietta PAM Finance Company 1990 Vaughn Road, Suite 350 Kennesaw Alfa Financial Corporation 2108 East South Boulevard Montgomery Hickory Premium Plan 434 Green Street Gainesville B & C Premium Finance Company 116 East Broad Street Camilla Charleston Premium Finance Co., Inc. 3060 South Church Street Burlington Advantage Premium Plan, Inc. 4340 Georgetown Square, Suite 615 Atlanta First Insurance Funding Corp. 450 Skokie Blvd, Suite 1000 Northbrook Premium Financing Specialists, Inc. 427 West 12th Street, Suite 100 Kansas City Medical Protective Finance Corporation 5814 Reed Road Ft. Wayne STATE GA GA GA NC GA GA NJ NJ PA GA MA GA GA ZIP 30067 30341 30022 28211 30341 31201 7302 7302 19107 31750 1605 31209 30092 POWERS LICENSED NAME FP 7/31/69 Jill Jinks IN 8/25/69 J. Thomas Brooks FP 8/25/69 Wesley Duesenberg, Jr. FP 8/28/69 John Wooldridge, Jr. FP 10/20/69 Janine Farr FP 1/19/70 Dele Reichert FP 5/7/71 Gerald Vitkauskas FP 10/23/73 Amina Perry FP 2/4/76 John Zimitski FP 2/6/79 Patricia Taylor FP 5/11/79 Linda Lebel FP 9/3/81 John Dollar FP 11/23/82 Bruce Boerner GA 30233 IN 12/16/82 Candace Carmichael GA 30338 IN GA 31030 IN GA 30263 IN GA 30434 IN GA 31602 IN GA 30080 IN GA 30240 IN GA 30467 IN GA 30260 IN GA 31206 IN 1/18/83 William Snellings 2/21/83 Jeanette Allen 4/13/83 C.J. Williams 7/1/83 William R. Toulson 7/27/83 Janet Carter 8/19/83 William Dial, Jr. 9/7/83 John C. Thompson 11/15/83 Exodyne Johnson 11/23/83 Myron Maxey 3/6/84 Rebecca Ward GA 31061 IN FL 32308 FP GA 30337 IN GA 30013 FP GA 30005 FP GA 30096 FP GA 30096 IN GA 31642 IN GA 30144 IN GA 30076 IN GA 30066 IN GA 30144 IN AL 36191 FP GA 30501 IN GA 31730 IN NC 27215 FP GA 30338 IN IL 60062 FP MO 64105 FP IN 46835 IN 5/2/84 Robert E. Brown 5/22/84 Kimberly Lee 7/1/84 Paul L. Doan, Jr. 8/6/84 Winna Phillips 1/1/85 James Stringer, Jr. 3/25/85 Neil Strickland 1/1/86 Nancy McCart 7/14/86 Thomas McGovern 7/14/86 Gary Vaughn 5/1/87 Robert Schacher 7/1/87 Keith Maini 1/1/88 Diane Brisco 1/20/88 Jerry Newby 9/26/89 Strother Randolph 10/30/89 Patricia Robinson 3/6/90 Tap Johnson III 7/1/90 Hal S. Foster 12/12/90 David Dykstra 5/20/92 Bryan Andres 7/1/92 William Daley PHONE (770) 952-0080 (770) 458-4963 (678) 498-4700 (704) 364-0133 (770) 455-4850 (478) 745-8681 (201) 631-5400 (201) 631-5400 (215) 496-0607 (229) 423-4069 (508) 757-1628 (478) 474-0679 (770) 448-1667 (770) 775-3105 (770) 396-9600 (478) 825-5566 (770) 253-2341 (478) 625-7285 (229) 242-5660 (770) 436-7575 (706) 884-5792 (912) 564-7831 (770) 961-5620 (478) 784-1611 (478) 453-9496 (800) 342-0991 (404) 767-0914 (770) 833-3736 (770) 396-1600 (678) 259-3700 (770) 232-0202 (912) 422-3272 (678) 290-2116 (770) 442-8727 (770) 971-9975 (770) 590-4950 (334) 613-4353 (770) 534-5248 (229) 336-8631 (800) 922-4178 (770) 455-4458 (800) 837-3707 (816) 627-0500 (219) 486-3622 2004 Annual Report 2004 Annual Report 65 Georgia Department of Insurance 81006 81271 81378 81380 81379 80541 80419 80644 81532 81475 81531 81577 81650 81431 81740 81606 81656 81429 85623 81174 87003 87007 87008 87010 87012 87013 87015 87017 87018 87020 87021 87022 87023 87025 87026 87027 87028 87030 87031 87032 87034 87033 87036 87035 87029 87037 87038 Flatiron Capital Corp. 950 17th Street, Suite 1300 Denver CO E.T.I. Financial Corporation 2393 South Congress Avenue West Palm Beach FL Universal Premium Acceptance Corp. 8245 Nieman Road, Suite 100 Lenexa KS ATI/Scott Premium Finance Plan, Inc. 1874 Piedmont Road, Bldg.A Atlanta GA Yorktowne Premium Finance Company 3915 Biscayne Boulevard Miami FL Ranger Insurance Finance Co. (Rifco) 10777 Westheimer, 4th Floor Houston TX Unique Premium Finance 420 Hawthorne Avenue Athens GA PGA Service Corporation 2636 Elm Hill Pike, Suite 510 Nashville TN FINCO 618 West Friendly Avenue Greensboro NC Royal Premium Budget, Inc. 30833 Northwestern Hwy., #220 Farmington Hills MI Zurich Premium Finance Company 13810 FNB Parkway Omaha NE Funding Plus of America One Southern Way Mobile AL Time Payment Plan Direct General Financial Services, Inc. 1281 Murfreesboro Road Nashville TN Southern Harvest Premium 1515 South 7th Street Cordele GA Finance Co., Inc. Premium Funding Associates, Inc. 4951 Lake Brook Drive, Suite 500 Glen Allen VA Gaskins Premium Finance Company 108 North Dogwood Drive Nashville GA FPF, Inc. 950 Seventeenth Street, Suite 1300 Denver CO Lanier Premium Finance Company, Inc. 703 Medical Park Lane Gainseville GA MEPCO Ins. Premium Financing, Inc. 174 North Michigan Avenue Chicago IL Signature Premium Finance, Inc. One International Plaza, Suite 450 Philadelphia PA Access Premium Finance, Inc. 2830 Dresden Drive Atlanta GA ISOP Financing Co. Limited Partnership 200 Hopmeadow Street Simsbury CT Standard Funding Corp. 335 Crossways Park Drive Woodbury NY Prime Rate Premium Finance Corp., Inc. 2141 Enterprise Drive Florence SC Swift Premium Finance Company 2200 Century Parkway, Suite 600 Atlanta GA Sunbelt General Agency, Inc. 1020 Monticello Court Montgomery AL IIAG Premium Finance, Inc. 3186 Chestnut Drive Connector Doraville GA Premium Payment Plan One Hudson City Ctr, Hudson NY Corner of State & Green AFCO Premium Credit, LLC 110 William Street New York NY Credit Suisse First Eleven Madison Avenue, Fourth Floor New York NY Boston Premium Finance LLC Reliant American Premium 777 Main Street, Suite 900 Fort Worth TX Finance Company, Inc. Distinct Advantage 12550 Biscayne Boulevard, #207 Miami FL Premium Finance, Inc. Lytton-James, Inc. American 5280-J Buford Highway Doraville GA Premium Finance FTN Premium Finance Services, Inc. 3401 West End Avenue, Suite 180 Nashville TN FEFCO, Inc. 710 North Second Street, Suite 300 N St. Louis MO First Georgia Premium Financing, Inc. 11770 Haynes Bridge Road, Suite 105 Alpharetta GA NFC Finance Corporation 14001 University Avenue Clive IA Standard Premium Finance Mngt Corp. 16155 SW 117th Street, Suite B-15 Miami FL Southern Premium Finance, Inc. P.O. Box 8913 St. Louis MO American Premium Finance Corp. 8725 Roswell Road, Suite O Atlanta GA U. S. Insurance Services, Inc. 2000 Art Museum Boulevard Jacksonville FL Safeway Premium Finance Co. 6575 Peachtree Industrial Boulevard Norcross GA United Brokers, Inc. UBOPP 3216 Ballard Lane New Albany IN Direct General Premium Finance Co. 1281 Murfreesboro Road, 5-50 Nashville TN Mid-America Premium Finance Co. 710 N. 2nd Street, Suite 300 N St. Louis MO APEX Finance, Inc. P.O. Box 156 Carrollton GA FINCO Financial Corp. 480 Sawgrass Corporate Pkwy, Ste 220 Sunrise FL 80202 FP 33406 FP 66214 FP 30324 IN 33137 FP 77042 FP 30606 IN 37214 IN 27401 FP 48334 IN 68154 IN 36619 FP 37217 FP 31015 IN 23060 IN 31639 FP 80202 FP 30501 IN 60601 FP 19113 FP 30341 FP 6089 IN 11797 FP 29501 FP 30345 FP 36117 IN 30340 FP 12534 FP 10038 FP 10019 IN 76102 IN 33181 FP 30340 IN 37202 IN 63102 IN 30004 IN 50325 FP 33177 FP 63101 IN 30350 FP 32207 FP 30092 IN 47150 IN 37217 FP 63101 IN 30112 IN 33332 FP 7/31/92 Robert Pinkerton 12/14/93 James Blake 8/31/94 Randall Hickman 9/12/94 Albert Levenstein 9/14/94 Gary J. Orndorff 1/1/95 Eileen McCollum 2/20/95 Janis Sullivan 5/10/95 Randy Parker 8/1/95 Jeanette Finn 12/11/95 Nancy Morrison 12/11/95 Traci Ribick 12/15/95 Richard Murray 2/29/96 Christine Cohee 4/30/96 Wanda J. Owens 4/30/96 Michael Pollard 7/1/96 Robert Gaskins, Jr. 10/24/96 Robert A. Pinkerton 2/11/97 David Benton 7/1/97 Ed Walder 7/20/97 Joseph E.Wilson, Jr. 5/21/98 Michael McMenamin 5/25/99 Beverly Newberg 6/30/99 Angelo Mangia 6/5/00 James Lingle, Jr. 10/2/00 Jack Ikenaga 10/2/00 Ray J. Johnston 3/30/01 Aubie Knight 1/8/02 Joseph Klimas 5/15/02 Janine Farr 10/11/02 Caitlin Long 12/6/02 Joseph Macchia 12/31/02 Gloria Friedman 2/26/03 Derrick James 4/21/03 David Haynes 10/8/03 William Richard, Jr. 10/8/03 Brian Evans 5/5/04 Patrick McNerney 6/17/04 William Koppelmann 7/12/04 James Moore 9/27/04 Arnold Blumberg 9/27/04 David Ball 9/27/04 Richard Parrillo, Jr. 11/2/04 Anthony Glotzbach 11/2/04 Greg Grissom 11/2/04 Jamie Sloan 12/21/04 Gary Hewitt 12/21/04 Robert Gardner (800) 832-9117 (561) 968-9102 (913) 894-6150 (404) 875-4700 (305) 572-1974 (713) 954-8100 (678) 227-0260 (615) 242-1961 (336) 373-1735 (248) 932-9020 (402) 963-5082 (251) 662-6520 (615) 399-4700 (229) 273-7262 (804) 747-6500 (912) 686-2011 (800) 832-9117 (770) 536-8340 (312) 853-2777 (610) 833-2400 (770) 234-3600 (860) 843-8293 (516) 364-0200 (843) 669-0937 (404) 929-9157 (334) 273-0080 (770) 458-0093 (518) 822-1000 (412) 234-2660 (212) 325-5433 (817) 885-8691 (305) 892-0575 (770) 645-1000 (800) 229-9822 (314) 421-3637 (770) 639-3354 (800) 503-0954 (800) 592-7753 (314) 421-3637 (770) 656-7609 (904) 396-6646 (305) 940-7299 (812) 945-2720 (615) 399-4700 (314) 421-3637 (770) 834-7631 (888) 883-4626 Georgia Department of Insurance Licensed Interlocal Risk Management Agencies INTERLOCAL AGENCIES ADMINISTRATOR DATE LICENSED Association of County Commissioners (ACCG) Georgia Municipal Association (GIRMA) Georgia School Board Association (RIMS) TOTALS Marsh USA 10/1/87 Caims handled in house-eff. 2002 5/1/87 Marsh USA 7/20/94 ACCG NOTES: 1,539,187 13,852,682 4,748,310 18,600,992 Contributions 10/03-9/04 divided by 12 one twelth times 9 months Contributions for 10/04-12/04 12,606,676 ASSETS 54,497,819 75,028,725 16,325,128 LIABILITIES 35,029,830 52,710,855 12,891,472 SURPLUS 19,467,989 22,317,870 3,433,656 GEORGIA PREM. WRITTEN 18,600,992 27,686,237 12,606,676 66 2004 Annual Report Georgia Department of Insurance Risk Purchasing Groups 67 Risk Purchasing Group Address City A.A.L.D., Inc. dba RE/MAX Risk Purchasing Group, Inc. 8390 E. Crescent Parkway; Suite 500 Greenwood Village Accountants Insurance Purchasing Group Association 75 Second Avenue; Suite 410 Needham Actuaries and Pension Administrators Purchasing Group 681 S. Parker Street Suite 200 Orange Adults & Children Alliance, Inc. Mandell Menkes & Surdyk, LLC; 333 W. Wacker Dr., Ste 300 Chicago Advocacy Protection Plus PG Association 33 West Monroe Chicago Affiliated Preferred Property Group, LLC 26 Columbia Turnpike; P.O. Box 679 Florham Park AFG Pro Purchasing Group, Inc. c/o Ohrenstein & Brown, LLP; 1050 Franklin Avenue Garden City Agents Professional Liability Service Organization 100 Colony Square, Suite 780; 1175 Peachtree Street Atlanta All American Purchasing Group, Inc. 10210 N. Central Expressway, Suite 500 Dallas Allied Health Purchasing Group Association 33 West Monroe Street Chicago Ambulatory Care Emergency Purchasing Group, Inc. One BriarLake Plaza; 2000 W. Sam Houston Pkwy., Ste 2000 Houston American Acupuncture Council 1851 E.First Street; Suite 1160 Santa Ana American Ambulatory Surgery Purchasing Group, Inc. 820 Gessner; Suite 1000 Houston American Anesthesiologists Prof'l Liablility Group(TX) 1301 Capital of Texas Hwy; Suite B - 220 Austin American Association of Advertising Agencies c/o Captive Insurance Services, Inc., 44500 Potter Terrace Ashburn American Association of Professional Agents & Brokers, Inc. 35 Tower Lane Avon American Bankers Association 1120 Connecticut Avenue Washington American Collectors Association 4323 Warren Street., NW Washington American Contractors Risk Purchasing Group, Inc. 12222 Merit Drive; Suite 1660 Dallas American Federation of Daily-Care Services, Inc. 4323 Warren Street Washington American Health Care Professions Purchasing Group Assoc. c/o Doak Foster; 425 West Capitol Avenue, Suite 1800 Little Rock American Massage Council 1851 E. First Street Suite 1160 Santa Ana American Medical Professional Alliance, Inc. c/o Ohrenstein & Brown, LLP; One Penn Plaza New York American Psychotherapist Professional Liability Ins. Program100 Colony Square, Suite 780; 1175 Peachtree Street Atlanta American Safety Purchasing Group, Inc. 1845 The Exchange Suite 200 Atlanta American Society of Health System c/o Doak Foster; 425 West Capitol Avenue, Suite 1800 Little Rock Pharmacists Risk Purchasing Group American Tax Preparers Purchasing Group 35 Tower Lane Avon American World Accounting Service P.O. Box 526148 Salt Lake City Providers Liability Assoc., Inc. AMMIA, Inc. 401 E. Jackson Street; Suite 1700 Ta m p a Amusement Industry Operators and 1250 NE Loop 410 Suite # 920 San Antonio Owners Risk Purchasing Group, Inc. ANA/SNA Purchasing Group Association 1440 Renaissance Drive Park Ridge Marsh Affinity Group Services APGA(American Public Gas Association) 11094-D Lee Highway; Suite 102 Fairfax Appraisers Liability Insurance Trust Purchasing Group c/o Liability Insurance Administrators; P.O. Box 1319 Santa Barbara AquaSure Risk Purchasing Group, Inc. 7901 Professional Circle Huntington Beach ASHA Purchasing Group Association 33 West Monroe Street Chicago Association of Responsible Tanning Salon Operators, Inc. P.O. Box 40079 Phoenix Associations & Professional General c/o Doak Foster; 425 West Capitol Avenue, Suite 1800 Little Rock Liability Purchasing Group Associations Purchasing Group 33 West Monroe Street Chicago Athletic Alliance Risk Purchasing Group 1712 Magnavox Way Fort Wayne dba Sports Leisure & Entertainment Risk Purchasing Group Atlantic Risk Specialty, LLC 2100 Parklake Drive Atlanta d/b/a Affiliated Senior Citizens Insurance Group Automotive Insurance Purchasing Group, Inc. P.O. Box 130745 Dallas AVMA (American Veterinary Medical P.O. Box 1629 Chicago State CO MA CA IL IL NJ NY GA TX IL TX CA TX TX VA CT DC DC TX DC AR CA NY GA GA AR CT UT FL TX IL VA CA CA IL AZ AR IL IN GA TX IL Zip 80111 02494 92868 60606 60603 07932 11530 30361 75231 60603 77042 92705 77024 78746 20147 06001 20036 20016 75251 20016 72201 92705 10119 30361 30339 72201 Phone 303-796-3604 781-449-7711 714-939-7448 312-251-1000 856-216-0220 973-549-1818 212-266-0206 404-879-2179 214/265-7090 856-216-0220 713/461-4000 714-571-1855 713-461-4000 800-252-3620 703-723-9795 860-284-0088 800-688-2820 202-966-3934 972-702-9004 202-966-3934 501-688-8841 714-571-1850 212-233-8911 404-879-2179 770-485-4355 501-688-8841 6001 860-284-0088 84152 801-304-3816 33602 800-527-4953 78209 210-829-7634 60068 847-803-3100 22030 93102 92648 60603 85067 72201 703-352-3890 800-334-0652 714-842-7272 856-216-0220 800-844-2101 501-688-8841 60603 856-216-0220 46804 800-426-2889 30345 678-281-0395 75313 214-969-6200 60690 312-279-4674 Name Fred Young Betsy Magnuson Maryann Rimoin Daniel O'Leary Wesley Pohler Maro Waldor Terence Cummings Stacey Kalberman Janice Buroughs Wesley Pohler Melissa Mitchell Deanna Deckert William Galtney Timothy J. O'Toole Diane Sheakley Valerie McDonald Deborah Zaccaro Beth Kravetz Mandy LaForge Beth Kravetz Doak Foster Deanna Deckert Richard J.J. Sullivan Stacey Kalberman Tom Rudd Doak Foster Vallerie McDonald Shellie McLachlin Katherine Reimann Mitchell Kaliff Diane Dal Corobbo Robert Cave Karlene Deinhard Jeffrey Fausett Wesley Pohler Randy Tipton Doak Foster Wesley Pohler Stacie Richardson Jack Bailey James Newman Sheila Roberts 2004 Annual Report 2004 Annual Report 68 Georgia Department of Insurance Association/Professional Liability Insurance Trust BCC Purchasing Group, LLC 70 Ellis Street Atlanta GA Behavioral Health Purchasing Group, Inc. c/o Van Wagner Group; 21 Maple Avenue, P.O. Box 5710 Bay Shore NY Brokers Network Purchasing Group 1850 Woodmoor Drive, #201; P.O. Box 146 Monument CO Case Management Risk Purchasing - USA, Inc. P.O. Box 251510 Little Rock AR Cendent Corporation Member Broker Purchasing Group 8300 Norman Center Drive; Suite 400 Minneapolis MN Certified Nurse Midwife RPG, Inc. 11301 Amherst Ave., Ste. 202 Silver Springs, MD Contemporary Insurance Services Chemical Professionals Purchasing Group c/o Hays Companies 1250 24th Street, Suite 725 Washington DC Chiropractic Benefit Services, Inc. Low & Childers, P.C.; 2950 N. Dobson Road, #1 Chandler AZ Christmas Tree Liability Purchasing Group 1220 SW Morrison Suite 400 Portland OR Clearwater Transportation Insurance Program c/oGrenbaum Doll & McDonald, PLLC Atlanta GA 100 Colony Square, Ste 780, 1175 Peachtree Street Coca-Cola Bottlers Association (The) 3282 Northside Parkway; Suite 200 Atlanta GA Combined Real Estate Purchasing Enterprise, Inc. 45 Crossways Park Drive Woodbury NY Commercial For Hire Transportation Purchasing Group 3250 Interstate Drive Richfield OH Community and Medical Transportation Purchasing Group 4323 Warren Street, N.W Washington DC Community Associations PG, Inc. 20595 Lorain Road Fairview OH Construction Industry Risk Purchasing Group, Inc. 120 Mineola Boulevard; Suite 200 Mineola NY Consultants, Sales Representatives & 681 S. Parker Street, Suite 200 Orange CA Administrators Purchasing Group Consumer Data Industry Association, Inc. c/o Ohrenstein & Brown; 1 Penn Plaza, 46th Floor New York NY Continental Risk Services, Inc. 270 Sylvan Avenue; P.O. Box 1218 Englewood Cliffs NJ Court Reporters Purchasing Group Association 33 West Monroe Street Chicago IL Custom Reality Purchasing Group Association c/o Mandell Menkes & Surdyk, LLC Chicago IL 333 W. Wacker Dr., Ste 300 Dental Professionals Purchasing Group c/o Captive Insurance Services, Inc.; 44500 Potter's Terrace Ashburn VA Design Professionals Risk Control Group 1201 North Market Street; Suite 501 Wilmington DE DesignPro Purchasing Group 100 Colony Square, Suite 780; 1175 Peachtree Street Atlanta GA Distinguished Properties Associates, Inc. 100 Colony Square, Suite 780; 1175 Peachtree Street, NE Atlanta GA Distinguished Properties Umbrella Managers, Inc. 100 Colony Square, Suite 780; 1175 Peachtree Street, NE Atlanta GA DME / OP Purchasing Group, Inc. 6701 W. 64th Street; Suite 125 Shawnee Mission KS DRI Purchasing Group, Inc. (IL) c/o Westmont Associates, Inc. Chicago IL 150 N. Michigan Avenue, Suite 300 Educational Institutions PG, Inc.(CT) 41 North Main Street West Hartford CT Educators Protection Group 4323 Warren Street Washington DC Educators Purchasing Group Association 33 West Monroe Street Chicago IL Electric Public Power Insurance Consortium EPPIC Management Services; P.O. Box 22767 Charlotte NC Entertainment Services, Inc. P.O. Box 2946 Shawnee Mission KS Environmental Professionals Insurance Trust c/o Liability Insurance Administrators; P.O. Box 1319 Santa Barbara CA ERS Risk Purchasing Group Association, Inc. 333 Wacker Drive; Suite 300 Chicago IL F.P. Purchasing Group 1357 E. Lassen Avenue; Suite 100 Chico CA Face & Body Professionals, Risk Purchasing Group 1701 Novato Boulevard, #101 Novato CA (formly Society of Permanent Cosmetic Professionals) Financial Sales Professionals Purchasing Group 681 S. Parker Street Suite 200 Orange CA Financial Services Professional Liability 2685 Marine Way Suite 1408 Mountain View CA Purchasing Group, Inc. Fitness and Wellness Purchasing Group 380 Stevens Avenue Suite 206 Solana Beach CA Five Star Agents, Inc. Purchasing Group 118 South Clinton Street, Suite 450 Chicago IL FREA Purchasing Group 100 Colony Square, Suite 780; 1175 Peachtree Street Atlanta GA Funeral Directors Planning Group, Inc. c/o Program Brokerage Corporation; 100 Sunnyside Blvd Woodbury NY Gallagher Steel Courier RPG, Inc. 1501 Hamburg Turnpike Wayne NJ Garage Services & Equipment Dealers Liability P.O. Box 526148 Salt Lake City UT Association of America, Inc. Global Anesthesiologists Specialty Services 502 Evergreen Place Court Louisville KY Glynn General Purchasing Group, Inc. 100 Colony Square, Suite 780; 1175 Peachtree Street Atlanta GA 30303 11706 80132 72225 55437 20902 404-659-1970 631-666-1588 719-488-5502 501-664-7705 952-656-8000 301-933-3373 20037 85224 97205 30361 888/309-4297 602-266-1166 404-879-2179 404-879-2170 30327 11797 44286 20016 44126 11501 92868 404-949-1099 516-773-8602 330-659-8900 202-966-3934 440-333-6300 516-294-7752 714-939-7448 10119 07032 60603 60606 201-569-3700 856-216-0220 312-251-1000 20147 19801 30361 30361 30361 66202 60601 703-723-9795 302-661-7052 404-879-2170 404-879-2170 404-879-2170 800-778-8100 856-216-0220 06107 20016 60603 28222 66201 93102 60606 95973 94947 860-561-3600 202-966-3934 856-216-0220 704-367-7124 913/676-9202 800-334-0652 312-251-1000 800-873-3725 415-898-4212 92868 714-939-7448 94043 650-428-0818 92075 60661 30361 11797 7474 84152 800-395-8075 312-879-7136 404-879-2179 516-496-1341 973-686-2324 801-304-3771 40223 502-244-2056 30361 404-879-2179 Chuck Weisblum Tina Keppie Gene Ladd F. Tad Krug Donald Bierbaum Israel Teitelbaum Barry Peters Kathy Newcomb Thomas Wilkins Stacey Kalberman Josiah J. Whitfield Ann Frantzen Michael Schroeder Beth Kravetz Thomas McGowan Katherine Buck Maryann Rimoin Terrance Cummings Lavetta McCollum Wesley Pohler Daniel O'Leary Diane Sheakley Boyd Adams Stacey Kalberman Stacey Kalberman Stacey Kalberman Karen Bronson Wesley Pohler Neil Cross Beth Kravetz Wesley Pohler Nancy Willingham J. Philip Coulson Karlene Deinhard Daniel O'Leary James Foley Susan Preston Maryann Rimoin John Wagner Aimee Davis Kevin Ottley Stacey Kalberman Frederica O'Connor Gayle Czeizler Brenda Wilson Jack Smith Stacey Kalberman 2004 Annual Report 69 Georgia Department of Insurance Great American Cities Purchasing Group, Inc. 20595 Lorain Road; Old Forge Centre Guardian Professional Liability Risk Purchasing Group 4001 Miller Road Habitat for Humanity Purchasing Group, Inc. 121 Habitat Street Hartan Hospitality and Leisure Program Purchasing Group 100 Colony Square, Suite 780; 1175 Peachtree Street Health and Beauty Purchasing Group 4323 Warren Street Health and Education Liability Program, Inc. c/o Program Brokerage Corporation; 100 Sunnyside Blvd Health Care Professions Purchasing Group Association c/o Doak Foster; 425 West Capitol Avenue, Suite 1800 Health Care Purchasing Group, Inc. One Briarlake Pl, Ste 2000; 2000 W. Sam Houston Pkwy S. Healthcare Advantage Risk Purchasing Group, Inc. 1849 W. North Temple, Building D Healthcare Insurance Group 155 - 108th Avenue NE; Suite 800 Healthcare Providers Service Organization Purchasing Group 100 Colony Square, Suite 780; 1175 Peachtree Street Healthcare Purchasing Group Association 33 West Monroe Street Home Inspection Liability Group, Inc. 35 Tower Lane Horsemen of North America Safety Control RPG P.O. Box 223 Hospitality & Leisure Services, Inc. 3333 New Hyde Park Road; Suite 400 HUD-CHEM Insurance Program 100 Colony Square, Suite 780; 1175 Peachtree Street Hunt Club Leases of America 8501 Turnpike Drive; Suite 200 IG, Inc. d.b.a Recovery Specialist Insurance Group 100 Colony Square, Suite 780; 1175 Peachtree Street, NE Impact Medical Malpractice Alliance, Inc. 148 Hammond Drive Independent Garage and Towing Contractors Services, Inc. 237 Main Street; Suite 820 Independent Insurance Agents of Georgia, Inc. Post Office Box 48386 Integrated Poultry Processors Association 4323 Warren Street, NW Integrated Risk Facilities Inc., RPG 40 Fulton Street; 12th Floor International Hole-in-One Association 100 Colony Square, Suite 780; 1175 Peachtree Street International Hospitality Purchasing Group 681 S. Parker Street Suite 200 International Special Events & Recreation Association, Inc. P.O. Box 526148 International Website Insurance Group 2365 Woodlake Drive; Suite 100 IRF Construction Group, Inc. 40 Fulton Street, 12th Floor IRF Hospitality Group, Inc. 40 Fulton Street, 12th Floor IRF Manufacturing Group, Inc. 40 Fulton Street, 12th Floor IRF Real Estate Operations Group, Inc. 40 Fulton Street, 12th Floor IRF Restaurant Group, Inc. 40 Fulton Street, 12th Floor IRF Retail Group, Inc. 40 Fulton Street, 12th Floor IRF Service Group, Inc. 40 Fulton Street, 12th Floor IRF Wholesale Group, Inc. 40 Fulton Street, 12th Floor JamisonPro Allied Health Purchasing Group 100 Colony Square, Suite 780; 1175 Peachtree Street JamisonPro Purchasing Group Ltd. 100 Colony Square, Suite 780; 1175 Peachtree Street KIS Hospitality Program, Inc. 40 Fulton Street; 15th Floor Lawyers Direct Risk Purchasing Group, Inc. 161 Ottawa NW; Suite 607 Legal Professional RPG, Inc. 339 Northern Avenue Little League Baseball PG, Inc. 539 U. S. Highway Route 15 LTC Risk Purchasing Group, Inc. 24165 Detroit Road MAGAW Healthcare Professionals Purchasing Group Assoc. 222 S. Prospect Avenue MAI Hospital and Medical Facility Purchasing Group P.O. Box 590009 MAI Managed Care Organization Purchasing Group P.O. Box 590009 MAI Physicians and Surgeons Purchasing Group P.O. Box 590009 Main Street Insurance Purchasing Group 1402 Third Avenue Suite 520 Managed Care Insurance Purchasing Group 100 Colony Square, Suite 780; 1175 Peachtree Street MedAlliance Professional Liability PG 676 North St Clair Street; Suite 1600 Medical Data & Billing Insurance Liability 330 E. Kilbourn Ave.; Suite 1085 Risk Purchasing Group, Inc. Medical Malpractice Coverage for Physicians c/o Beth Kravetz, Esq.; 4323 Warren Street Medical Professionals Program 110 Westwood Place; Suite 100 Medical Related Professional Services 33 West Monroe Street Purchasing Group Association MGMA Purchasing Group - East, Inc. 1849 W. North Temple; Building D Fairview Park OH Wilmington DE Americus GA Atlanta GA Washington DC Woodbury NY Little Rock AR Houston TX Salt Lake City UT Bellevue WA Atlanta GA Chicago IL Avon CT Paynesville MN New Hyde Park NY Atlanta GA Westminister CO Atlanta GA Altanta GA Buffalo NY Atlanta GA Washington DC New York NY Atlanta GA Orange CA Salt Lake City UT Okemos MI New York NY New York NY New York NY New York NY New York NY New York NY New York NY New York NY Atlanta GA Atlanta GA New York NY Grand Rapids MI Boston MA South Williamsport PA Cleveland OH Park Ridge IL Birmingham AL Birmingham AL Birmingham AL Seattle WA Atlanta GA Chicago IL Milwaukee WI Washington DC Brentwood TN Chicago IL Salt Lake City UT 44126 19802 31709 30361 20016 11797 72201 77042 84116 98004 30361 60603 6001 56362 11042 30361 80031 30361 30328 14203 30362 20016 10038 30361 92868 8415248864 10038 10038 10038 10038 10038 10038 10038 10038 30361 30361 10038 49503 2210 17702 44145 60068 35259 35259 35259 98101 30361 60611 53202 440-333-6300 302/765-6001 912-924-6935 404-879-2179 202-966-3934 212/338-2905 501-688-8841 713-461-4000 801-990-2400 425-450-1090 404-879-2179 856-216-0220 630-961-9605 320-243-7250 212/682-4500 404-879-2170 303-428-5400 404-879-2179 404-252-9094 716-856-6600 404-458-0093 202-966-3934 212-608-9400 404-879-2179 714-939-7448 801-304-3816 517-347-0386 212-608-9400 212-608-9400 212-608-9400 212-608-9400 212-608-9400 212-608-9400 212-608-9400 212-608-9400 404-879-2179 4047-879-2179 973-773-5101 616-456-8899 856/216-0220 570-326-6555 440-250-3577 800-343-1368 205-877-4426 205-877-4426 205-877-4426 206-583-0877 404-879-2179 312-951-7700 414-273-4200 20016 37027 60603 208-338-6423 800-251-5727 856-216-0220 84116 801-990-2400 Elizabeth Murray Glenn Clark Elizabeth Parks Stacey Kalberman Beth Kravetz Marc Cohen Doak Foster Melissa Mitchell Jeffrey Brunken Jeanne Burke Stacey Kalberman Wesley Pohler Valerie McDonald Linda Liestman Terence Cummings Stacey Kalberman Tom Gillingham Stacey Kalberman Sheila Sylvan Patrick Comerford Robert C. Bock Beth Kravetz Stuart Farber Stacey Kalberman Maryann Rimoin Shellie McLachlan John Wurzler Stuart Farber Stuart Farber Stuart Farber Stuart Farber Stuart Farber Stuart Farber Stuart Farber Stuart Farber Stacey Kalberman Stacey Kalberman J. Scott Klein Mary Kraut Wesley Pohler Thomas Marshall John Russell John Fetcho Laquita Goodwin LaQuita Goodwin LaQuita Goodwin HannahTindal Stacey Kalberman David Huske Michael Bamberger Richard Johnson Rebecca Collins Wesley Pohler Jeffrey Brunken 2004 Annual Report 70 Georgia Department of Insurance Mid American Association of Physicians & Surgeons 502 Evergreen Place Court Midwestern Association of Obstetricians & Gynecologists 502 Evergreen Place Court Motors Insurance Purchasing Group, Inc. 300 Galleria Officentre; Suite 200 NASW Purchasing Group, Inc. 750 First Street N.E.; Suite724 National Alliance of Nonprofit Organizations, Inc. P.O. Box 307 National Association of Broadcasters Captive Ins. Svcs., Inc.; 44500 Potter Terrace National Association of Independent Healthcare Professionals 4835 East Cactus Road; Suite 440 National Association of Independent Life Brokerage Agencies 681 S. Parker Street Suite 200 National Association of Insurance and Financial Advisors 100 Colony Square, Suite 780; 1175 Peachtree Street National Association of Residential Real Estate 304 Martin Luther King Drive; P.O. Box 1439 Professionals, Inc. of Georgia National Association of Salaried Professionals 1098 South Milwaukee Avenue Suite 200 Purchasing Group, Inc. National Chiropractic Council 1851 E. First Street; Suite 1160 National CPA Risk Purchasing Group, Inc. 84 Chalet Circle National Dental Student Risk Purchasing Group P.O. Box 1348; 401 E. Jackson Street, Suite 1700 National Franchise Cleaners Risk Purchasing Group, Inc. 2018 State Road; P.O. Box 1446 National Health Club Purchasing Group 100 Colony Square, Suite 780; 1175 Peachtree Street National Legal Aid and Defender Association 100 Colony Square, Suite 780; 1175 Peachtree Street National Newspaper Association (PG) 333 W. Wacker Drive; Suite 300 National Nurses Purchasing Group Association 33 West Monroe Street National Professional Purchasing Group Association, Inc. c/o Mandell Menkes & Surdyk, LLC 333 West Wacker Drive, Suite 300 National Purchasing Group for Pest Control Operators, Inc. c/o Capital Risk Underwriters, Inc.; P.O. Drawer 1793 National School Leaders Risk Purchasing Group 100 Colony Square, Suite 780 1175 Peachtree Street National Society of Dental Practitioners, Inc. 210 University Drive, Suite 600 NCMIC Alternative Health RPG P.O. Box 9118 NCMIC Diversifed Health RPG Association P.O. Box 9118 NHO Purchasing Group, Inc. 1700 Diagonal Road; Suite 625 Non Profit Unemployment Compensation 1098 South Milwaukee Avenue Risk Purchasing Group, Inc. North America Chemical Users & Applications, Inc. P.O. Box 526148 North American Retail Risk Purchasing Group, Inc. 6700 North Oracle Road; Suite 323 Outdoor & Recreation Insurance Program c/o Beth Kravetz 4323 Warren Street Owner Operator Independent Drivers Association, Inc. P.O. Box 1000 Palladian Risk Purchasing Group, Inc. c/o United Corporate Services, Inc.; 15 East North Street Petroleum Distributors Purchasing Group, Inc. c/o PG Administrators, LLC; 65 Westway Petroleum Marketers Purchasing Group, Inc. 41 North Main Street Phoenix Physicians Insurance Risk Purchasing Group, Inc. 2604 - 33rd Avenue S.E. Physicans Corps, L.L.C. (The) 960 Johnson Ferry Road; Suite 235 Physicians Alternative Purchasing Group, Inc. One Briarlake Pl, Ste 2000; 2000 W. Sam Houston Pkwy S. Physicians Excess Liability Cooperative Assurance Network 502 Evergreen Place Court Preferred Apartment Owners Purchasing Group 100 Colony Square, Suite 780; 1175 Peachtree Street Preferred Professional Purchasing Group 1098 South Milwaukee Avenue Preferred Property Group, LLC P.O. Box 679; 26 Columbia Turnpike Preferred Property Program, Inc. 960 Holmdel Road Premier Attorneys Purchasing Group, Inc. 520 U.S. Highway 22; P.O. Box 6920 Premier Hotel Insurance Group 155, 108th Avenue; Suite 800 Primerus Risk Purchasing Group, Inc. 161 Ottawa NW; Suite 607 Professional Advisers Purchasing Group, Inc.(The) Parkview Plaza West; 1200 East Ridgewood Avenue Professional Counselors Purchasing Group 95 Broadway Professional Design Purchasing Group Association 33 West Monroe Street Professional Liability Assurance Society, Inc. c/o Captive Insurance Services, Inc.; 44500 Potters Terrace Professional Nursing Organizations Purchasing Group Assoc. c/o Doak Foster; 425 West Capitol Avenue, Suite 1800 Professional Warranty Purchasing Group 4443 Brookfield Corp. Drive; Suite 300 Professionals Premier Risk Purchasing Group Association 333 W. Wacker Drive; Suite 300 Louisville Louisville Southfield Washington Fawnskin Asburn Scottsdale Orange Atlanta Fort Valley Wheeling Santa Ana Dawsonville Ta m p a La Crosse Atlanta Atlanta Chicago Chicago Chicago Orlando Atlanta Coral Springs Des Moines Des Moines Alexander Wheeling Salt Lake City Tucson AZ Washington Grain Valley Dover Wethersfield West Hartford Puyallup Atlanta Houston Louisville Atlanta Wheeling Florham Park Holmdel Bridgewater Bellevue Grand Rapids Ridgewood Amityville Chicago Asburn Little Rock Chantilly Chicago KY 40223 502-244-2056 KY 40223 502-244-2056 MI 48034 248-263-6914 DC 20002 202-336-8202 CA 92333 909-866-8120 VA 21047 703-723-9795 AZ 85254 800-695-0219 CA 92868 714-939-7448 GA 30361 404-879-2179 GA 31030 478-825-5566 IL 60090 847-541-0900 CA 92705 714-571-1850 GA 30534 706-216-6698 FL 33601 813-222-4100 WI 54602 608-788-6160 GA 30361 404-879-2179 GA 30361 404-879-2179 IL 60606 312-251-1000 IL 60603 856-216-0220 IL 60606 312-251-1000 FL 32802 877-799-1400 GA 30361 404-879-2179 FL 33071 800-237-9429 IA 50306 800-321-7015 IA 50306 800-321-7015 VA 22314 717-741-0911 IL 60090 847-541-0900 UT 84152 85704-7739 DC 20016 MO 64029 DE 19901 CT 6109 CT 6107 WA 98374 GA 30342 TX 77042 KY 40223 GA 30361 IL 60090 NJ 7932 NJ 7733 NJ 8807 WA 98004 MI 49503 NJ 7450 NY 11701 IL 60603 VA 20147 AR 72201 VA 20151 IL 60606 801-304-3816 520-742-9200 202-966-3934 816-229-5791 212-877-2877 860-563-7797 860-561-3600 253-770-0283 404-257-9977 713-935-8807 502-244-1056 404-879-2179 847-541-0900 973-549-1818 732-834-9800 908-685-7650 425-450-1090 616-456-8899 201-447-4400 631-691-6400 856-216-0220 703-723-9795 501-688-8841 703-803-8230 312-251-1000 Jack Smith Jack W. Smith Patricia Breslin Loretta Robinson Robert Nuccio Diane Sheakley Danielle Basile Maryann Rimoin Stacey Kalberman Robert Pearson Tammy Weinert Deanna Deckert Betty Harder Hailey Stefan James McDonald Stacey Kalberman Stacey Kalberman Daniel O'Leary Wesley Pohler Daniel O'Leary Michael Schmidt Stacey Kaberman Virginia Verduin Mark Raymie Mark Raymie Sharon Ayres Paula Decker Shellie McLachlan Randy Jumper Beth Kravetz Toni Vincent James Mancuso Jodie Heimgartner Neil Cross Gina M. Burrow Susan Armbrester Melissa Mitchell Jack Smith Stacey Kalberman Tammy Weinert Mark Waldor Stephen Kane Gerald Brennen-Brooks Jeanne Burke Mary Kraut Rickard Jorgensen Richard Imbert Wesley Pohler Dede Van Slambrouck Doak Foster Thomas Hitselberger D.V. O'Leary, Jr. 2004 Annual Report 71 Georgia Department of Insurance Property Owners Purchasing Group 5929 Balones Drive Suite 301 Austin TX Prosecure Lawyers Purchasing Group c/o Doak Foster; 425 West Capitol Avenue, Suite 1800 Little Rock AR Protectors Purchasing Group, Inc. 40 Fulton Street, 12th Floor New York NY Psychiatrists' Purchasing Group, Inc. 1515 Wilson Road, Suite 800 Arlington VA Psychologists Purchasing Group Association c/o CT Corporation System; 208 South LaSalle Street Chicago IL Public Broadcasters Purchasing Group c/o Captive Insurance Services, Inc., 44500 Potter Terrace Ashburn VA Real Estate Appraisers Liability Association c/o Intercorp, Inc. 1438-F West Main Street Ephrata PA Real Estate Apprasiers Professional Liability 6640 Shady Oak Road, Suite 500 Eden Prairie MN Insurance Purchasing Group Real Estate Associations Purchasing Group Ohrenstein & Brown; 1Penn Plaza, 46th Floor New York NY Real Estate Professionals Risk Purchasing Group Association 1200 E. Glen Avenue Peoria Heights IL Real Estate Sales Professionals Program Purchasing Group 681 S. Parker Street, Suite 200 Orange CA Real Property, Inc., A Risk Purchasing Group Realtors Insurance Purchasing Group Association 75 Second Avenue, Suite 410 Needham MA Rental Equipment Dealers, Inc. c/o Program Brokerage Corporation, 100 Sunnyside Blvd Woodbury NY Resort Hotel Purchasing Group 461 McLaw's Circle Suite 4 Williamsburg VA Right of Way Risk Purchasing Group, Limited 18550 West Capitol Drive Brookfield WI Rockwood Guardian Agents PG 228 Philadelphia Pike Wilmington DE Roofing Contractors Purchasing Group, Inc. c/o Ninigret Management Company, LLC, 41 North Main St. W. Hartford CT School Leaders Risk Management 525 W. Monroe Street, Suite 2400 Chicago IL Association Risk Purchasing Group Select Auto Dealer Purchasing Group, LLC P.O. Box 650 Winterville GA Select Hotel Insurance Group 155 - 108th Avenue, NE, Suite 800 Bellevue WA Select Professional Purchasing Group, LLC 4725 Peachtree Corners Circle, Suite 230 Norcross GA Service Station Insurance Program Services, Inc. 1700 Route 3 West Clifton NJ Short Term Special Events, Inc. 10451 Gulf Boulevard Treasure Island FL SNDA Purchasing Group, Inc. 9839 North Hayden Road, #103 Scottsdale Scottsdale AZ Society of Habitational Insurance Participants, Inc. 5950 Hazeltine National DriveSuite 650 Orlando FL Southeastern Liability Purchasing Group P.O. Box 85058 Richmond VA Southwest Real Estate Purchasing Group, Inc. P.O. Box 15001 Casa Grande AZ Sports & Fitness Insurance Purchasing Group Assoc., Inc. 212 Key Drive Madison MS Sports & Recreation Providers Association 100 Colony Square, Suite 780; 1175 Peachtree Street Atlanta GA Sports & Special Events Risk Puchasing Group, Inc. P.O. Box 1250 Mialothian VA Sports and Entertainment Events Risk Purchasing Group 10940 Wilshire Boulevard, 17th Floor Los Angeles CA Staff Physicians Purchasing Group, Inc. One Briarlake Pl, Ste 2000; 2000 W. Sam Houston Pkwy S. Houston TX Steelhead Insurance Purchasing Group, Inc. 3109 Knox Street, Suite 201 Dallas TX Structual Engineers Risk Management Council 2959 Monterey-Salinas Highway Monterey CA T.V. and Radio Purchasing Group, Inc. c/o Mandell Menkes & Surdyk; 333 W. Wacker Dr., Ste 300 Chicago IL The Aegis Service Contract Liability PG, Inc. 6010 Atlantic Boulevard Norcross GA The American Dietetic Association Risk Purchasing Group 33 West Monroe Street Chicago IL The Premium Risk Purchasing Group 3060 Bainbridge Road Cleveland OH The Professional AdvisersPurchasing Group, Inc. 25 East Spring Valley Avenue, Suite 270 Maywood NJ The Schneider Group, Inc. d/b/a Protek Risk Purchasing Group281 S. Scott Tucson AZ Title Agents of America 4323 Warren Street, NW Washington DC Transworld Building Trades & Contractors P.O. Box 526148 Salt Lake City, UT Liability Association, Inc. Truckers' Purchasing Group, Inc. P.O. Box 489 Kenosha WI Trust for Insuring Educators Purchasing Group Trust 100 Colony Square, Suite 780, 1175 Peachtree Street Atlanta GA TSI Sports Incorporated P.O. Box 1320 Flowery Branch GA U.S. Military Family Day Care Home PG (AZ) c/o Secure SW Brokerage, Ltd., 540 West Iron Ave., Ste 104 Mesa AZ U.S. Port Terminal Operators Risk Purchasing Group 1420 Fifth Avenue, Suite 1200 Seattle WA United America Legal Service Providers P.O. Box 526148 Salt Lake City UT Professional Liability Association, Inc. United Chiropractic Group, Inc. P.O. Box 188 WinterSet IA United Food and Lodging Association 1107 South Tillotson Avenue Muncie IN United Professional Liability Purchasing Group, Inc. P.O. Box 1809 Rockport TX 78731 72201 10038 22209 60604 20147 17522 55344 512-467-7299 501-688-8841 212-608-9400 703-907-3800 856-216-0220 816/292-7263 717-721-3500 952-944-8790 10119 61616 92868 212-682-4500 309-679-0261 714-939-7448 02494 11797 23185 53045 19809 06107 60661 781-449-7711 516-496-1341 757-220-7186 414-781-7020 302-765-6000 860-561-3600 312-906-8111 30683 98004 30092 7013 33706 85258 32822 23285 85230 39110 30361 23113 90024 77042 75205 93940 60606 30071 60603 44139 7607 85701 20016 84152 706-742-5008 425-450-1090 678-969-9152 973-777-4747 727-367-6900 937-586-3720 973-777-4747 804-649-9333 480-730-4920 601-898-8464 404-879-2179 804-754-7610 310-418-4772 713-935-8807 214-360-3642 800-227-8533 312-251-1000 678-225-1001 856-216-0220 440-542-5020 201-226-1200 520-670-1111 800-331-9759 801-304-3816 53141 30361 30542 85210 98101 84152 262-697-9600 404-879-2179 770-534-6409 602-464-2288 206-749-4893 801-304-3816 50273 47304 78381 888-824-4234 765-284-4443 361-790-9043 Gregory Crouch Doak Foster Stuart Farber Martin Tracy Wesley Pohler Mary Schust Elaine Matternas Rodney L. Olsen Terrance Cummings Mary Helms Maryann Rimoin Betsy Magnuson Frederica O'Connor Lynn Damewood Paul Gurtler Glenn Clark Neil Cross Stephanie Giggetts William H. Harris Jeanne Burke Jack Fox Karen Gormley Marguerite Robinson Fran Rickenbach James McCahill John Williams Crews Sharon Johnson Donna Carter Stacey Kalberman John W. Frazier Martin Ridges Melissa Mitchell Rod Going Kristi Malone Daniel O'Leary Carliss Shepherd Wesley Pohler David Martin Richard Jorgenson Daniel Schneider Mark Pearson Shellie McLachlan Bonnie Kroedler Stacey Kalberman Jennifer Sanders Jill Wilcock Thomas Long, Jr. Shellie McLachlan Robert A. Nelson Ronald L. Thomas, III Lisa P. Evans 2004 Annual Report 72 Georgia Department of Insurance United Risk Purchasing Group, Inc. United States Contractors Associstion, Inc.(GA) Vanderbilt Properties Associates, Inc. Volunteers Insurance Service Association, Inc. Worldwide Outfitter & Guides Association, Inc. McLachlan P.O. Box 5910 2899 Elmwood Drive 770 Lexington Ave. 7th Floor 216 South Peyton Street P.O. Box 526148 Carefree AZ 85377 480-595-9100 Michele Wilson Smyrna GA 30080 770-436-7575 William Dial New York NY 10021 212-546-1010 Alnoor Ladha Alexandria VA 22314 703-739-9300 Lauren Coleman Salt Lake City UT 84152 801-304-3816 Shellie Georgia Department of Insurance Risk Retention Groups 73 GID# 80754 81081 80673 80757 42000 80909 80419 80741 81076 42008 81074 81400 80701 81309 80723 80752 80781 81078 81065 81085 80423 81595 81597 81421 80421 81491 80001 81088 80002 42003 42007 42011 42012 42013 42014 42015 42016 42017 Risk Retention Group American Contractors Insurance Company, RRG United Educators Ins. Risk Retention Group, Inc. National Home Insurance Company, A RRG Housing Authority Risk Retention Group, Inc. Ophthalmic Mutual Insurance Company, A RRG Western Pacific Mutual Insurance Company, A RRG Architects & Engineers Insurance Company, A RRG Preferred Physicians Medical Risk Retention Group National Catholic Risk Retention Group, Inc. States Self-Insurers Risk Retention Group, Inc. Mental Health Risk Retention Group, Inc. OMS National Insurance Company Risk Retention Group American Feed Industry Ins. Company, RRG, Inc. Consumer Specialities Insurance Company RRG CPA Mutual Insurance Company of America, RRG Title Industry Assurance Co. Risk Retention Group American Safety Risk Retention Group, Inc. Paratransit Insurance Company, a Mutual RRG Premier Insurance Exchange, Risk Retention Group Terra Insurance Agency National Guardian Risk Retention Group, Inc. OOIDA Risk Retention Group Attorneys' Liability Assurance Society, Inc. A RRG American Association of Orthondontists Ins. Co. RRG Community Blood Centers' Exchange RRG National Service Contract Insurance Company RRG, Inc. Columbia National Risk Retention Group, Inc. United Home Insurance Company, A Risk Retention Group Residential Insurance Company, Inc. (A RRG) (The) Primeguard Insurance Company, Inc., A RRG Global International Insurance Company, Inc., A RRG Attorneys Liability Protection Society, A Mutual RRG Automotive Underwriters Insurance Company, INC. RRG Alliance of Nonprofits for Insurance, Risk Retention Group First Automotive Insurance Risk Retention Group, Inc. St. Charles Insurance Company, Inc., A RRG Heritage Warranty Insurance RRG, Inc. (SC) Capital Assurance Risk Retention Group, Inc. Address 12222 Merit Drive, Suite 1660 2 Wisconsin Circle, Suite 1040 2675 South Abilene, Suite 100 189 Commerce Court 655 Beach Street 1655 Lafayette Street, Suite 200 2056 Westings Avenue, Suite 150 9000 West 67th Street, Suite 201 140 Kennedy Drive (05403) 222 South Ninth Street, Suite 1300 388 Pompton Avenue 6133 N. River Road, Suite 650 4685 Merle Hay Road P.O. Box 306 112 Lake Street 40 Main Street, Suite 500 1845 The Exchange, Suite 200 1000 Ridgeway Loop Road 12225 El Camino Real P.O. Box 306 2240 South Airport Road, Suite 800 P O Box 306 311 South Wacker Drive, Suite 5700 P. O. Box 306 2345 Grand Blvd., Suite 800 5101 Wisconsin Ave., NW, Ste 500 100 Bank Street, Suite 610 100 Bank Street 2675 S. Abilene Street 1225 17th Street, Suite 1700 1501 Wilson Boulevard, Suite 1110 Post Office Box 9169 1001 Bishop St, Pacific Tower, Ste 2788 P.O. Box 306 900 Fort Street Mall, Suite 500 #3 Lockwood Drive, Suite 303A #3 Lockwood Drive, Suite 303A #3 Lockwood Drive, Suite 303A City State Dallas TX Chevy Chase MD Aurora CO Cheshire CT San Francisco CA Denver CO Naperville IL Shawnee MissionKS South Burlington VT Minneapolis MN Cedar Grove NJ Rosemont IL Des Moines IA Montpelier VT Burlington VT Burlington VT Atlanta GA Memphis TN San Diego CA Montpelier VT Traverse City MI Montpelier VT Chicago IL Montpelier VT Kansas City MO Washington DC Burlington VT Burlington VT Aurora CO Denver CO Arlington VA Missoula, MT Honolulu HI Montpelier VT Honolulu HI Charleston SC Charleston SC Charleston SC ZIP 75251 20815 80014 6410 94109 80218 60563 66202 5407 55402 7009 60018 50322 5601 5401 5401 30339 38120 92130 5601 49684 5601 60606 5601 64108 20015 5401 5401 80014 80202 22209 59807 96813 5601 96813 29401 29401 29401 Date 5/20/87 5/26/87 10/21/87 10/26/87 12/31/87 1/1/88 1/1/88 2/18/88 4/18/88 7/20/88 7/28/88 7/28/88 8/15/88 8/15/88 8/22/88 11/1/88 12/8/89 12/31/89 5/30/90 11/2/90 11/23/94 12/22/95 2/23/96 4/18/96 4/18/96 2/28/97 6/28/97 7/22/97 8/29/97 7/14/98 9/29/99 1/12/00 6/16/00 3/1/01 7/24/01 10/4/01 12/27/01 1/17/02 2004 Annual Report 2004 Annual Report 74 Georgia Department of Insurance 42018 42020 42021 42022 42024 42023 42025 42026 42027 42028 42029 42031 42030 42044 42032 42033 42034 42035 42037 42036 42038 42039 42040 42041 42042 42043 42045 42046 42047 42048 42050 42049 42051 42052 National Independent Truckers Insurance Company,A RRG #3 Lockwood Drive, Suite 303A Titan Insurance Company, Inc., a RRG #3 Lockwood Drive, Suite 303A Marathon Financial Insurance Company, Inc. RRG 1722 Corporate Crossing, Suite 2 Steel Tank Insurance Company, RRG 76 St. Paul Street, Suite 500 GSFS Risk Retention Group, Inc. #3 Lockwood Drive, Suite 303A CHC Casualty Risk Retention Group, Inc. 100 Bank Street, Suite 610 American Trucking and Transportation Insurance Co., A RRG 111 North Higgins Ave., 4h Floor Lenders Protection Assurance Company Risk Retention Group 1212 N 96th Street American Eagle Insurance Company, RRG 40 Main Street, Suite 500 Jamestown Insurance Company, a Risk Retention Group P.O. Box 937 High Tech Services Risk Retention Group, Inc. 76 St Paul Street, Suite 500 ProBuilders Specialty Ins.Co . 1900 Overlook III, 2859 Paes Ferry Rd. RRG/NationalsBuilders Ins. Svcs., Inc Emergency Physicians Insurance Co. Risk Retention Group 1135 Terminal Way, Suite 107 Consortium (A Reciprocal Risk Retention Group) 112 Lake Street Security America Risk Retention Group, Inc. 100 Bank Street, Suite 610 Allied Professionals Insurance Company, A RRG, Inc. 1851 East First Street, Suite 1160 Continuing Care Risk Retention Group, Inc. 1414 Lady Street Transurance Risk Retention Group, Inc. 2999 North 44th Street, Suite 250 Circle Star Insurance Company, A Risk Retention Group 3336 Airport Road, Suite 201 Eldercare Mutual Insurance Risk Retention Group, Inc. 2999 North 44th Street, Suite 250 Pinnacle Risk Retention Group, Inc. 1501 Wilson Boulevard, Suite 1110 CARE Risk Retention Group, Inc. 1501 Wilson Boulevard, Suite 1110 Green Hills Insurance Company, RRG c/o RiskCap, Inc. 1655 Lafayette St. Steward Risk Retention Group 1401 H Street, Suite 760 Contractors Liability Insurance Company, A RRG 1210 S. Valley View Blvd, Ste 114 Golden Insurance Company, A RRG 1655 LaFayette Street, Suite 200 Emergency Medicine Professional Assurance Company, RRG 1210 S. Valley View Blvd, Ste 114 Capitol Specialty Insurance Company, RRG 300 Redland Court, Suite 105 Health Care Industry Liability Reciprocal Insurance Co., A RRG 103 E. Liberty, Suite 201 SIA Insurance Company (Risk Retention Group), Ltd. 5050 Quorum Drive, Suite 500 Oceanus Insurance Company, A Risk Retention Group P. O. Box 937 Claims Professional Liability Insurance Company, A RRG P.O. Box 306 AmeriGuard Risk Retention Group, Inc. P.O. Box 937 Lewis & Clark LTC Risk Retention Group, Inc. 1200 Ashwood Parkway Charleston Charleston O'Fallon Burlington Charleston Burlington Missoula Omaha Burlington Charleston Burlington Atlanta, GA Reno Burlington Burlington Santa Ana Columbia Phoenix Barre Phoenix Arlington Arlington Denver Washington Las Vegas Denver Las Vegas Owings Mills Ann Arbor Dallas Charleston Montpelier Charleston Atlanta SC SC IL VT SC VT MT NE VT SC VT 30339 29401 29401 62269 5401 29401 5401 59802 68114 5402 29402 5401 9/9/03 1/31/02 4/12/02 4/16/02 9/18/02 10/16/02 1/17/03 3/20/03 3/27/03 4/29/03 7/3/03 7/30/03 NV 89502 9/9/03 VT 5401 9/15/03 VT 5401 9/24/03 CA 92705 10/23/03 SC 29211 12/5/03 AZ 85018 12/16/03 VT 5641 12/30/03 AZ 85018 12/30/03 VA 22209 1/27/04 VA 22209 3/19/04 CO 80218 4/21/04 DC 20005 6/3/04 NV 89102 7/2/04 CO 80218 8/5/04 NV 89102 9/16/04 MD 21117 9/17/04 MI 48104 9/17/04 TX 75254 11/1/04 SC 29402 11/3/04 VT 5601 11/9/04 SC 29402 12/20/04 GA 30338 12/27/04 Georgia Department of Insurance Licensed Georgia Captives NAIC NO. 10704 10000 10874 10039 11091 12159 11154 10705 11184 10016 10211 11263 10894 10798 Totals CAPTIVE ADMINISTRATOR DATE LICENSED Builders Insurance Co Association Services, Inc. 7/1/96 (A Mutual Captive Co) Commercial Mutual Insurance Co. Covenant Management Inc. 6/10/93 (A Captive Co.) (Administrative Supervision) Ga Restaurant Mutual Captive Insurance Co Program Admin. Services 12/31/96 Georgia Timber Harvester's Mutual Captive Forestry Ins. Services Inc. 12/10/93 Health Care Mutual Captive Insurance Co. Ga Admin. Services Inc. 12/28/00 Joliet Area Risk Retention Physicians Captive, LLC 7/1/04 Group Captive Ins. Co. Hospitality Captive Insurance Co., Inc. Hospitality Ins. Services 3/30/01 Southeast Employers Mutual Captive N/A 12/31/96 Insurance Co. (Administrative Supervision) Southeastern U.S. Captive Insurance, Inc. Employers'WorkComp 11/15/01 Tift Area Captive Insurance Company Physicians Captive, LLC 6/30/00 TPA Captive Insurance Company Physicians Captive, LLC 6/15/91 United Business Insurance Co USAdministrators, Inc. 6/19/02 United Group Captive Insurance Company N/A 8/26/97 VFH Captive Insurance Company Addis, Inc. 3/28/97 TOTAL ASSETS 286,189,116 18,049,552 4,240,952 5,732,468 10,291,071 2,951,209 3,071,583 1,387,699 34,092,796 2,124,983 7,318,644 3,847,123 2,353,342 5,531,416 387,181,954 SURPLUS 97,932,007 349,345 1,419,219 1,414,477 2,165,750 1,395,593 616,480 134,262 8,937,371 1,203,714 5,601,381 741,985 1,426,757 1,360,856 124,699,197 DIRECT WRITING 121,053,447 595,062 2,226,145 5,852,813 6,298,586 1,209,473 2,811,547 213,796 28,058,419 975,732 1,681,022 2,777,634 790,707 2,738,645 177,283,028 NET WRITING 114,344,185 5,668,175 2,967,599 3,948,598 5,531,963 878,973 2,515,370 36,106 23,875,014 557,686 1,308,154 2,299,557 790,707 2,738,645 167,460,732 NET INCOME 8,029,380 (1,528,811) 95,830 (242,188) 634,435 (19,712) (993,247) (121,151) 495,962 155,169 691,482 (438,064) 119,008 132,593 7,010,686 75 2004 Annual Report 2004 Annual Report 76 Georgia Department of Insurance Third Party Administrators GID # 94003 94007 94009 94010 94012 94011 94013 94016 94006 94018 94020 94021 94023 94026 94029 94030 94032 94005 94031 94027 94037 94041 94040 94042 94045 94043 94044 94046 94048 94047 94056 94059 94051 94060 94061 94053 94065 94067 94071 94069 94068 94077 94079 94080 94081 94084 94082 94090 94091 THIRD PARTY ADMINISTRATOR American Professional Risk Services, Inc Hewitt, Coleman & Associates, Inc. Claims Management Services, Inc. Sedgwick Claims Management Services, Inc. Trip Mate, Inc. American Insurance Administrators Health Plan Administrators, Inc. Direct Response Ins. Admin. Services, Inc. Protegrity Services, Inc. Baker Agency, Inc. (The) American Trust Administrators, Inc. Affinity Insurance Services, Inc.f/k/a Aon Direct FCCI Services, Inc. AMA Insurance Agency, Inc. Allied National, Inc. Group Ins. Admin. Of Ga, Inc. AGIA, Inc. Allen Medical Claims Administrators EBC MidAmerica, Inc. Brentwood Services Administration, Inc. F.A. Richard &Associates, Inc. Progeny Marketing Innovations, Inc. CBCA Administrators, Inc. Ward North America, LP BoonChapman Benefit Administrators Allied Claims Administration, Inc. Covenant Administrators, Inc. North American Benefits Network, Inc. Underwriters Safety & Claims, Inc. Lewer Agency, Inc. (The) Palmer & Cay of Georgia, LLC AllianceOne Services, Inc. Kelsey National Corporation First Oglethorpe Company IBM Business Transformation Outsourcing Ins. Svc. Corp. Massmark Administrative Services, Inc. Coverdell & Company, Inc. North American Benefits Company McCamish Systems, LLC Pittman & Associates, Inc. Stowe Associates Paragon Benefits, Inc. ACS Benefit Services, Inc. Hilb, Rogal & Hamilton Co. Of Savannah, Inc. Selman And Company Private MedicalCare, Inc. O'Steen Adjusting Services, Inc. Healthplan Services, Inc. Georgia Administrative Services, Inc. ADDRESS 1255 McFarland 400 Drive 850 South Pleasantburg Dr. 360 Market Place 1000 Ridgeway Loop Road 9225 Ward Parkway, Suite 2 3070 Riverside Dr., P.O. Box 21090 3703 North Main Street 7930 Century Boulevard 260 Wekiva Springs Road P. O. Box 390, 962 Industrial Pkwy. P. O. Box 87 159 E. County Line Road 6300 University Parkway 200 North Lasalle St, Ste 400 P. O. Box 419257 200 WestAdams Street, Suite 1203 1155 Eugenia Place 14801 Quorum Drive, Suite 605 9275 North 49th Street, Suite 300 Post Office Box 1125 1625 West Causeway Approach 400 Duke Drive 4150 International Plz, Ste 900 610 West Ash Street, Suite 1900 12301 Research Boulevard, Suite 400 P. O. Box 674869 Suite 100, 11330 Lakefield Drive 19800 Detroit Road 1700 Eastpoint Parkway 4534 Wornall Road 25 Bull Street CSC Building, M/S 400, 114 W. 11th St 3030 South Bundy Drive P.O. Box 4086 P. O. Box 789 Post Office Box 770 1718 Peachtree Street 530 East Swedesford Rd, Suite 100 6425 Powers Ferry Road, 3rd Floor P. O. Box 111047 2951 Flowers Road South, Suite 217 P.O. Box 12288 8025 North Point Boulevard, Suite 100E 2101 6th Avenue, North, Suite 1200 6110 Parkland Boulevard 12898 Towne Center Drive P.O.Box 4088 P. O. Box 30098 1775 Spectrum Dr., Suite 100 CITY Alpharetta Greenville Roswell Memphis Kansas City Columbus Rockford Chanhassen Longwood Plain Well Shawnee Mission Hatboro Sarasota Chicago Kansas City Chicago Carpinteria Dallas Milwaukee Brentwood Mandeville Franklin Ft. Worth San Diego Austin Marietta Duluth Cleveland Louisville Kansas City Savannah Kansas City Los Angeles Duluth Greenville Concord Atlanta Wayne Atlanta Memphis Atlanta Columbus WinstonSalem Birmingham Cleveland Cerritos Duluth Tampa Lawrenceville STATE ZIP GA 30004 SC 29657 GA 30077 TN 38120 MO 64114 OH 43221 IL 61103 MN 55317 FL 32779 MI 49080 KS 66201 PA 19040 FL 34240 IL 60601 MO 64141 IL 60606 CA 93013 TX 75254 WI 53223 TN 37024 LA 70471 TN 37067 TX 76109 CA 92101 TX 78759 GA 30006 GA 30097 OH 44116 KY 40223 MO 64111 GA 31402 MO 64105 CA 90066 GA 30096 SC 29602 NC 28026 GA 30309 PA 19087 GA 30339 TN 38111 GA 30341 GA 31917 NC 27106 AL 35203 OH 44124 CA 90703 GA 30096 FL 33630 GA 30043 TYPE Comm. Self Ins. Comm. Self, L & H Comm. Self Ins. Comm. Self, L & H L, A & S L & H L & H L & H Comm. Self, L & H L & H Comm. Self, L & H L & H Comm. Self Ins. Fully Ins. Group L & H Comm. Self, L & H L & H Comm. Self, L & H Comm. Self, L & H Comm. Self, L & H Prop, Cas, L & H L & H L & H L & H, Student, A&S L & H L & H Comm. Self, L & H Comm. Self, L & H ComSelf, Med&Den Comm. Self, L & H Comm. Self, L & H Life & Annuity 6/29/95 L & H GroupSelfIns . L & H L & H L & H L & H Life Comm. Self, L & H Comm. Self, L & H Health & Dental Comm. Self, L & H Comm. Self Ins. L & H L & H Comm. Self Ins. Comm. Self, L & H Comm. Self Ins. DATE NAME 4/25/94 HowardDavis 5/10/94 BreckWarne 6/16/94 BarryJ.Lamanno 6/24/94 BrendaCorey 7/21/94 BradleyFinkle 7/21/94 JudyAyala 7/21/94 PamelaGentner 8/17/94 AllenGrigsby 8/31/94 MarshaBrown 8/31/94 PhilBaker 9/12/94 AnnL'Heureux 9/12/94 KimberlyO'Daniel 11/3/94 JonathonKocourek 11/9/94 JudyRobson 11/15/94 DavidW.Ashley 12/20/94 MathildaRose 12/20/94 BonnieWeinberg 12/21/94 ToanNguyen 12/21/94 KathyMcCormick 12/28/94 TracyeMayolo 4/20/95 PaulaTownson 4/20/95 DoylineLloyd 4/20/95 JudyKelley 4/20/95 KevinJasper 5/11/95 JoanOlmstead 5/11/95 BrianWilcox 5/11/95 JamesBallew 5/15/95 MaryJoEucker 5/15/95 JackD.Stewart 5/23/95 StephenBoinski 6/20/95 DonnaBurgstiner GregoryStites (816)7018424 6/29/95 NicolePerkins 6/30/95 JenniferPrice 7/6/95 Tammy Morris 7/6/95 John King 7/14/95 ElaineB.Dahl 7/14/95 DianeM.Hickey 8/1/95 Adonna Rusk 8/1/95 DebbieHowell 8/24/95 HarveyL.Stowe 8/31/95 CherylGunn 8/31/95 DouglasLemmerman 10/16/95 HenryLevens,III 10/16/95 RosanneStark 11/9/95 JamesCarney 11/29/95 TomO'Steen 12/15/95 JeffBell 2/2/96 Carla Edwards PHONE (770)7520122 (864) 2405838 (770) 9987411 (901) 4157430 (800) 8880432 (800) 9221245 (815) 6335800 (952) 5565600 (407) 7881717 (800) 2231318 (913) 4514900 (800) 6872273 (800) 2263224 (312) 4193751 (816) 4741200 (312) 7950932 (805) 5669191 (800) 7410185 (800) 5587798 (615) 2631300 (985) 6248383 (800) 2510006 (817) 7371700 (619) 5572777 (512) 4542681 (770) 8508045 (678) 2588300 (440) 3568212 (502) 2441343 (816) 7534390 (912) 2316993 (800) 3665656 (678) 2593799 (864) 6098175 (704) 7823212 (404) 8812227 (610) 9950169 (770) 6901500 (901) 3232140 (770) 4516222 (770) 3279218 (336) 7592013 (205) 8680281 (440) 6469336 (562) 4677795 (678) 4179117 (800) 2377767 (770) 9637732 2004 Annual Report 77 Georgia Department of Insurance 94093 WakelyAndAssociates, Inc. 94098 Benefit Support, Inc. 94100 PacifiCare Health Plan Administrators, Inc. 94097 JLT Services Corporation 94104 Cambridge Inegrated Services Group, Inc. 94103 Administrative Services, Inc. 94109 Cunningham Lindsey Claims Management, Inc. 94108 Core Administrative Services, Inc. 94105 MedAdmin Solutions, Inc. 94110 Olympic Health Management Systems,Inc 94112 Cannon Cochran Management Services, Inc. 94116 Insurers Administrative Corporation 94117 Maskin Management Corporation 94118 Assoc. & Society Insurance Corporation 94121 Beneficial Administration Company, Inc. 94115 BertholonRowland Corporation 94126 Innovative Resource Group, Inc. 94125 Magellan Behavioral Health Systems, LLC 94127 Chesterfield Resources, Inc. 94128 Custard Insurance Adjusters, Inc. 94130 PAS Financial Group, Inc. 94129 Strategic Resource Company 94134 Transaction Applications Group, Inc. 94131 Seabury & Smith, Inc. 94135 Gallagher Bassett Services, Inc. 94137 Total Plan Services, Inc. 94140 Princeton Corporation, The 94141 Vision Financial Corporation 94123 Holden & Company, Inc. 94143 Talcor Services, Inc. 94148 Forrest T. Jones & Company, Inc. 94146 Klais & Company, Inc. 94120 TyNetCorporation 94149 AllenJ.FloodCompanies,Inc.,The 94147 Advance PCS, L.P. 94152 ForrestT.JonesConsultingCompany 94153 Harvey W. Watt & Company, Inc. 94155 Planned Administrators, Inc. 94156 MHF Insurance Administrators, Inc. 94158 AAFP Insurance Services, Inc. 94159 LifeCare Assurance Company 94162 Chickering Claims Administrators, Inc. 94160 Key Risk Management Services, Inc. 94166 Mass Benefits Consultants 94167 National Plan Administrators 94164 Long Term Care Group, Inc., The 94169 First Health Benefits Administrators Corporation 94172 Innovative Claims Management, Inc. 94170 Corporate Benefit Services of America, Inc. 94173 AMERIGROUP Corp. f/k/a AMERICAID, Inc. 94176 The Financial Group, Inc. 44000 ERC Long Term Care Solutions, Inc. 44003 Life of the South Insurance Company 44004 Association Services, Inc. 44005 J. Smith Lanier & Co. Administrators, Inc. 44001 ValueOptions, Inc. f/k/a FHC Options, Inc. 33 North GardenAvenue, Suite 1100 P.O. Box 2977, 305 Green Street P.O. Box 25032 13 Cornell Road 12005 Ford Road, Suite 700 P.O. Box 30098 3910 Brookside Drive 515 Mulberry Street, Suite 300 1995 North Park Place, Suite 150 2219 Rimland Drive 2 E Main Street, Suite 208 2101 W. Peoria Avenue, Suite 100 2500 McClellanAvenue, Suite 160 656 Quince Orchard Road 2505 McCabe Way 100 Broadway # 400 300 N. Executive Drive 6950 Columbia Gateway Drive 3520 Forest Lake Drive 4875Avalon Ridge Parkway 11222 Quail Roost Drive 221 Dawson Road 421 South 9th Street, Suite 222 1776 West Lakes Parkway The Gallagher Centre, Two Pierce Place 14001 Dallas Parkway North, Suite 700 600 Princeton Parkway 17 Church Street, P.O. Box 506 20 East Bay Street, PO Box 8327 2081 North Oak Drive 3130 Broadway 1867 West Market Street 1520 McPherson Street 2 MadisonAvenue 750 W. John Carpenter Fwy, Ste 1200 3130 Broadway P.O. Box 20787 8906 Two Notch Road, Suite 200 Post Office Box 48098 11400 Tomahawk Creek Pkwy, Ste 430 21600 Oxnard Street, Suite 1500 1 Charles Park 7900 McCloud Road, Suite 300 7212 Poplar Street P.O. Box 161630 3780 KilroyAirport Way, Suite 470 3200 HighlandAvenue 302 Martin Luther King, Jr. Drive 400 Highway 169 South, Suite 800 4425 Corporation Lane, Suite 100 2555 Severn Avenue 20 Security Drive, Suite 2 100 West Bay Street P.O. Box 723099 47 Postal Parkway, P.O. Box 71489 240 Corporate Boulevard Clearwater Gainseville Santa Ana Latham Dallas Tampa Tyler Macon Atlanta Bellingham Danville Phoenix Pennsauken Gaithersburg Irvine New York Brookfield Columbia Uniontown Norcross Miami Columbia Lincoln West Des Moines Itasca Dallas Kentland Keene Savannah Lawrenceville Kansas City Akron Oxford Larchmont Irving Kansas City Atlanta Columbia Jacksonville Leawood Woodland Hills Cambridge Greensboro Annandale Austin Long Beach Downers Grove Fort Valley Minneapolis Virginia Beach Metairie Avon Jacksonville Atlanta Newnan Norfolk FL 33755 L & H 3/4/96 Darcey Shaffer (727) 5848128 GA 30503 L & H 3/21/96 LenaAndrews (770) 5322690 CA 92799 Comm. Self, L & H 5/2/96 Christine Rexford (800) 2046629 NY 12110 L & H 5/6/96 Jay Scarborough (518) 7823173 TX 75234 Comm. Self, L & H 5/21/96 KimberlyO'Daniel (972) 8882411 FL 33630 L & H 5/22/96 JeffBell (800) 2377767 TX 75701 Comm. Self Ins. 6/20/96 BrendaBlankenship (903) 5616700 GA 31201 Comm. Self, L & H 6/20/96 TomWagoner (478) 7413521 GA 30339 Comm. Self, L & H 6/25/96 DebbieShumake (770) 8103700 WA 98226 L & H 7/1/96 Jennifer Marinas (360) 6479080 IL 61832 Comm.Self,L&H 7/5/96 Mary Cade (217) 4461089 AZ 85029 Comm.Self,L&H 8/12/96 LucilleMcGowan (602) 9066211 NJ 8109 Comm. Self, L & H 8/16/96 PhyllisHeimerl (800) 5479646 MD 20878 Comm.Self,L&H 8/16/96 SherriThomas (800) 6382610 CA 92614 Comm.SelfIns. 9/3/96 NettyMansolillo (949) 7561000 NY 10005 Comm.Self,L&H 9/4/96 StacyKaplan (212) 9669400 WI 53005 Comm.Self,L&H 9/20/96 PatriciaSlater (262) 7872200 MD 21046 Comm.Self,L&H 9/20/96 JennineYannocone (410) 9531000 OH 44685 Comm.Self,L&H 9/23/96 CarissaWilliams (330) 8969777 GA 30071 Comm.Self,L&H 10/1/96 CharlottePerez (770) 2636800 FL 33157 Comm.Self,L&H 10/7/96 DonnaMarakas (800) 8522244 SC 29233 Comm.Self,L&H 10/7/96 KimHooks (803) 8653765 NE 68508 Comm.Self,L&H 11/15/96 PatriciaWells (402) 4747612 IA 50398 Comm.Self,L&H 11/21/96 LanceVanVleet (515) 3656072 IL 60143 Comm.Self,L&H 11/25/96 AngelaEspinoza (630) 7733800 TX 75240 Comm.Self,L&H 12/16/96 LorettoGermuiller (469) 7915900 IN 47951 Comm.Self,L&H 12/31/96 MollyJohnson (219) 4745100 NH 3431 Comm. Self, L & H 1/2/97 James Pettapiece (603) 3571450 GA 31412 Comm.Self,L&H 1/21/97 RogerHolden (912) 2311040 GA 30244 Comm.Self,L&H 1/21/97 PamelaTalbert (770) 9633705 MO 64111 Comm.Self,L&H 2/4/97 Debbie Oestreich (800) 8217303 OH 44313 Comm.Self,L&H 2/4/97 MarkGiancarli (330) 8678443 AL 36203 Comm.SelfIns. 2/11/97 AllynTatum (800) 7108121 NY 10538 Comm.Self,L&H 2/13/97 AllenJ.Flood (914) 8349326 TX 75039 Comm.Self,L&H 3/3/97 Gina Laredo (469) 5244758 MO 64141 Comm.Self,L&H 3/5/97 Geri Davies (800) 6488624 GA 30320 Comm.Self,L&H 4/8/97 Pat Hiebel (404) 7677501 SC 29223 Comm.Self,L&H 4/16/97 BarbaraWindham (803) 4620151 FL 32247 L & H 4/16/97 BeverleyBrynda (904) 7275088 KS 66211 Comm.Self,L&H 4/22/97 ThomasKoch (800) 3258166 CA 91367 L&H 5/6/97 Clara Gray (800) 3665463 MA 2142 L & H 5/21/97 ChristopherCarreira (617) 2188400 NC 27409 Comm.SelfIns. 5/21/97 BeverlyAshley (336) 6689050 VA 22003 Comm.Self,L&H 6/13/97 LindaS.Walker (703) 2567800 TX 78716 Comm.Self,L&H 6/18/97 HeatherTreece (512) 3276481 CA 90806 L & H 6/18/97 BronWlecial (562) 2764500 IL 60515 MedicalPlans 7/1/97 Neal Pekela (630) 2417900 GA 31030 Comm.Self,L&H 8/28/97 GaryAllen (888) 6727249 MN 55426 Comm.Self,L&H 9/10/97 PhilipChristianson (952) 5460062 VA 23462 Health 10/24/97 KimberlyMcDonald (757) 4906900 LA 70002 L & H 10/24/97 PatriciaMonjure (504) 8366861 CT 6001 L & H 12/3/97 DavidBavelas (860) 6777300 FL 32231 L & H 12/31/97 CathyCrews (800) 8882738 GA 31139 Comm. Self, L & H 1/23/98 NicolaRutland (678) 3094000 GA 30271 Comm. Self, L & H 1/26/98 FrankPlan (706) 6452211 VA 23502 L & H 2/6/98 Matt Miles (757) 4595200 2004 Annual Report 78 Georgia Department of Insurance 44002 Administrative Concepts, Inc. 44014 APS Healthcare Bethesda, Inc. 44012 AmericanSpecialtyInsuranceServices,Inc. 44009 Dental Network of America, Inc. 44015 General Agency, Inc., The 44016 Secure Health Plans of Georgia, L.L.C 44017 LifeWellLtd.d/b/aLifeWellHealthPlans 44021 FoundationBenefitsAdministrators,Inc. 44026 MorganWhite Administrators, Inc. 44028 Collins & Company, Inc. 44029 DisabilityReinsuranceManagementServices,Inc. 44030 FringeBenefitsManagementCompany 44036 WorldwideInsuranceServices,Inc. 44038 Insurance Specialists, Inc. 44039 AmericanSpecialRiskManagementCorporation 44040 Cuenca&AssociatesInsuranceAgency,Inc. 44035 The Loomis Company 44042 SykesHealthplanServiceBureau,Inc. 44043 Towers Administrators, Inc. 44047 RiskEnterpriseManagementLimited 44050 Affinity Service Group, Inc. 44045 Preferred Care, Inc. 44053 DisabilityManagementServices,Inc. 44055 InterstateSpecialtyMarketing,Inc. 44032 Administrative Systems, Inc. 44051 CommerceBenefitsGroupAgency,Inc. 44054 MCA Administrators, Inc. 44059 Crawford&Company 44063 FFVAAIM,Inc.d/b/aInnovationEmployerBenefits 44064 Consolidated Billing Company 44062 GroupLink,Inc. 44061 Benesight,Inc. 44068 Cole Vision Services, Inc. 44070 CSCClaimsCompany 44052 Legacy Marketing Group, Inc. 44067 FirstAmericanAdministrators,Inc. 44065 CTI Administrators, Inc. 44071 MedSolutions, Inc. 44159 GeniSystems.ca Services, Inc. 44077 Wausau Benefits, Inc. 44076 OldeSouthInsuranceConsultingServices,Inc. 44082 Student Plans, Inc. 44080 Specialty Benefits, Inc. 44081 CompanionThirdPartyAdministrators,LLC 44072 Health Special Risk, Inc. 44073 Mass Group Marketing, Inc. 44092 AmericanSpecialtyHealthNetworks,Inc. 44094 BenefitPlannersLimited,L.L.P. 44088 JHA,Inc.(Maine) 44095 Student Assurance Services, Inc. 44098 DCG Resource Options, LLC 44097 Medical Mutual Services, LLC 44090 Disability Insurance Specialists, LLC 44105 United Group Programs, Inc. (Florida) 44084 HPS Paradigm, Inc. 44083 ESIS, Inc. 997OldEagleSchoolRoad,Suite215 Wayne 8403 Colesville Road, Suite1600 Silver Springs 142 North Main Street Roanoke Two TransAm Plaza Drive, Suite 500 Oakbrook Terrace 1527 Highway 7, P.O. Drawer 30459 Charleston 3920 Arkwright Road, Suite 405 Macon 1701 Barrett Lakes Blvd., Ste. 290 Kennesaw 6300BridgepointParkway,Bldg3,Ste400 Austin 407 Briarwood Drive, Ste. 201 Jackson 928 McCallie Ave. Chattanooga One Riverfront Plaza Westbrook 3101 Sessions Road Tallahassee 10317 Lynnhaven Place Oakton 305 Carteret Street Beaufort 509 South Lenola Road, Building 2 Morristown 2701 Park Marina Drive, 1st Floor Redding 850 Park Road Wyomissing 11405 Bluegrass Parkway Louisville 420 Lexington Avenue, Suite 2031 New York 59 Maiden Lane, 5th Floor New York 1940 The Exchange, Suite 200 Atlanta SixNeshaminyInterplexSuite205207 Trevose 300 South State Street Syracuse 17722 Irvine Boulevard Tustin 1310 Mercer Street, Suite 200 Seattle 33479 Lake Road Avon Lake 820 Parish Street Pittsburgh 5620 Glenridge Drive, N.E. Atlanta P.O. Box 948239 Maitland 200 E. Las Olas Boulevard Fort Lauderdale 6612 E. 75th Street, Suite 200 Indianapolis 6160 Summit Drive, Suite 560 Brooklyn Center 1925 Enterprise Parkway Twinsburg 345 North Canal Street, Suite 1403 Chicago 2090 MarinaAvenue Petaluma P.O. Box 51657 Phoenix 100 Court Avenue, Suite 306 Des Moines 730CoolSpringsBoulevard,Suite800 Franklin 1660 Tech Avenue, Suite 3 Mississauga, 115 Wausau Avenue Wausau P.O. Box 491540 Lawrenceville 1730 Park Street, Suite 207 Naperville 1712 Magnavox Way Fort Wayne 51 Clemson Road Columbia 4001 North Josey Lane Carrollton 2121 N. Glenville Drive Richardson 777 Front Street San Diego 194 S. Main Street Boerne 120 Exchange Street, 3rd Floor Portland 333 North Main Street Stillwater 145 Commercial Street Portland 24650CenterRidgeRoad,Bldg.2,Suite400 Westlake 1297A Blue HillsAvenue Bloomfield 902 Clint Moore Road, Suite 146 Boca Raton 2100 Riveredge Parkway,Suite 100 Atlanta 1601 Chestnut Street Philadelphia PA 19087 MD 20910 IN 46783 IL 60181 SC 29417 GA 31210 GA 30144 TX 78730 MS 39206 TN 37403 ME 4092 FL 32303 VA 22124 SC 29902 NJ 8057 CA 96001 PA 19610 KY 40299 NY 10170 NY 10038 GA 30339 PA 19053 NY 13202 CA 92780 WA 98109 OH 44012 PA 15220 GA 30302 FL 32794 FL 33301 IN 46250 MN 55430 OH 44087 IL 60606 CA 94954 AZ 85044 IA 50309 TN 37067 Ontario,Canada L4W5S8 WI 54401 GA 30049 IL 60563 IN 46804 SC 29229 TX 75007 TX 75082 CA 92101 TX 78006 ME 4101 MN 55082 ME 4101 OH 44145 CT 6002 FL 33487 GA 30328 PA 19101 Accident & Sickness L & H Comm. Self, L & H L & H Dental, Legal & Medical Comm. Self, Cas, L & H Health Medical Plans Health & Dental Comm. Self Ins. Prop, Cas, L & H Accident & Sickness Comm. Self, Cas, L & H Prop, Cas, L & H Prop, Cas, L & H L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H CommSelf, Med&Den Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H Comm. Self, Cas, L & H 2/10/98 3/17/98 3/17/98 3/17/98 3/25/98 6/9/98 6/23/98 7/21/98 8/20/98 9/30/98 10/29/98 1/13/99 2/27/99 3/2/99 3/26/99 3/29/99 5/3/99 5/25/99 5/25/99 7/13/99 7/20/99 8/24/99 9/13/99 9/29/99 11/24/99 12/14/99 12/15/99 12/15/99 12/17/99 1/28/00 4/17/00 4/17/00 4/26/00 5/5/00 5/5/00 5/10/00 5/10/00 6/5/00 8/27/00 9/25/00 9/29/00 11/10/00 12/4/00 1/12/01 3/20/01 4/10/01 5/10/01 6/29/01 8/14/01 10/5/01 10/5/01 1/29/02 3/8/02 3/8/02 4/9/02 5/15/02 Marcie Lerch Megan Zatz Nikki Turner Rashawn Davis Donna Cappelmann Tina Pike Pepper Schafer Kristin Goodale Sue Thompson Chris Cain Jennifer S. Riggle Jennifer Murphy Gerald Hopkins Marla Weathington Mark Wegfahrt James Nies James Loomis Cathy Wells Vivian Tudela Thomas Grogan Bonnie Corey Thomas Walsh Robert Bonsall, Jr. Gary S. Hendricks Beth Carroll Thomas J. Patton Lois Nagel Colin Braybrooks Erin Kauffman Real Circe Roger Skinner Joanne Villa Brooke Brady Charles Stevenson RobertPitts,Jr . Shanti Hinsberg Kathleen Mullahey Cynthia Crandall Geoffrey Harrison Michele Kunstmann Charles Jackson Gregory Born Cathy Reynolds Kevin Elmore Linda Chiles John Beesley Carmen LaBomme Thomas Cusick, Jr. Debi Libby Mark Desch Paula Swanson Joyce Goelz Arthur Verney Robert Edelheit Michael Dendy Linda Howell (610) 2939229 (301) 5635633 (219) 6728800 (630) 6911133 (803) 7669091 (478) 3142400 (770) 4201500 (888) 3687910 (601) 9562028 (423) 2650541 (207) 5913265 (850) 4256200 (703) 2427901 (843) 5219990 (856) 2319100 (800) 3454543 (610) 3744040 (502) 2673184 (212) 6979285 (212) 5307434 (678) 2981880 (215) 6396208 (315) 2344200 (714) 5051100 (206) 3435633 (440) 9307500 (412) 9220780 (404) 8453100 (312) 2145200 (954) 5230306 (317) 5787128 (763) 5493301 (330) 4863000 (312) 8492200 (800) 3951053 (866) 6313145 (515) 2447322 (615) 4684000 (905) 2198014 (715) 8412000 (770) 2771642 (630) 7781900 (800) 6872273 (800) 8452724 (972) 4926474 (972) 8812255 (619) 5782000 (210) 5582100 (888) 7862688 (651) 4397098 (207) 7566215 (440) 4142100 (860) 7696976 (561) 9979892 (770) 2802633 (215) 7616788 2004 Annual Report 79 Georgia Department of Insurance 44101 Excess Risk Underwriters, Inc. 44104 US Administrators, LLC 44107 Kanawha Healthcare Solutions, Inc. 44109 League Inusurance Agency, Inc. 44108 GABRobinsRiskManagementServices,Inc. 44110 MidAmerica National Agency, Inc. 44078 AvesisThirdPartyAdministrators,Inc. 44111 KeyLink Solutions, Inc. 44099 CSC Healthcare, Inc. 44089 Erin Group Administrators, Inc. 44100 CHCS Services, Inc. 44087 TrustmarkVoluntaryBenefitSolutions,Inc. 44112 HillAdministrativeServices,Inc. 44113 Healthscope Benefits, Inc. 44115 PerotSystemsHealthcareServices,LLC 44114 Integrated Disability Resources, Inc. 44116 The Sanford Company 44120 Davis Vision, Inc. 44118 eoscomp,l.l.c. 44117 The Commerce Group Southeast, LLC 44119 Transaction Allotment, Inc. 44121 The Schaffer Companies, Ltd. 44124 Universal Fidelity Administrators Company 44123 Adjustment Services, Inc. 44127 Medical Group Insurance Services, Inc. 44122 Healthcare Assurance Corporation 44128 ACS State Healthcare, LLC 44126 Hunt Insurance Group, Inc. d/b/a HRH TPA Services 44125 The Vanguard Group, Inc. 44129 Disability Management Alternatives, LLC 44130 Key Benefit Administrators, Inc. 44132 Employer Plan Services, Inc. 44135 RebsamenInsurance,Inc.d/b/aCrockettAdjustment 44139 InsuranceAdministrativeSolutions,LLC 44136 AthensAreaHealthPlanSelect,Inc. 44134 Ingenium Benefits, Inc. 44142 CompanionInformationManagementResources,Inc. 44140 HarringtonBenefitServices,Inc. 44133 StarmountFinancialCorporation,Inc. 44144 Policy Studies, Inc. 44145 Avon Long Term Care Leaders, LLC 44138 The Sheffield Group 44143 Automated Benefit Services 44141 Mental Health Network Institutional Services, Inc. 44146 Definity Health Corporation 44149 TowerAdministrativeServices,Inc. 44151 S. B. Howard & Company, Inc. 44147 Foresight,Inc. 44150 DeCareDentalHealthInternational,LLC 44154 American WholeHealth Networks, Inc. 44131 Plan Benefit Services, Inc. 44152 Paylogix, LLC 44157 Physicians Captives, LLC 44153 FARA Benefit Services, Inc. 44155 Lumenos, Inc. 44158 DAN Services, Inc. 255 Alahambra Circle #330 2839 Paces Ferry Road, Suite 440 210 South White Street P.O. Box 1080 9 Campus Drive, Suite 7 P.O. Box 896 3724 North Third Street, Suite 300 216 North Green Bay Road, Suite 109 301 West 11th Street 1871 Santa Barbara Drive 411 North Baylen Street 1035 West Glen Oaks Lane, Suite 200 P.O. Box 36067 27 Corporate Hill Drive 2300 W. Plano Parkway 320 W. Newberry Road 4025 Vineville Avenue 159 Express Street 2141 E. Broadway Road 33479 Lake Road P.O. Box 669 9940 Franklin Square Drive, Suite H 2211 North Highway 81 4200 Perimeter Park East, Suite 209 1849 W. North Temple, Building D P. O. Box 51686 9040 Roswell Road, Suite 700 3606 Maclay Boulevard South 100 Vanguard Boulevard 270 FarmingtonAvenue, Suite 200 8330 Allison Pointe Trail 2180 North Loop West, Suite 400 1500 Riverfront Drive, P.O. Box 3198 33 N. Garden Avenue, Suite 1100 295 West Clayton Street P.O. Box 31488 I20 @ Alpine Road 6160 Summit Drive, Suite 500 7800 Office Park Boulevard 1899 Wynkoop Street, Suite 300 30 Tower Lane 1800 Corporate Drive 8220 Irving Road 9606 North Mopac Expressway, Suite 600 1600 Utica Avenue South, Suite 900 8 Marticville Road 2501 N. 14th Place, # B 2040 N. Highway 360 3560 Delta Dental Drive 45999 Center Oak Plaza, Suite 100 11910 Volente Road 1025 Old Country Road, Suite 310 113 East Jackson Street 1625 West Causeway Approach 1801 N. Beauregard Street, Suite 10 6 West Colony Place, # 200 Coral Gables Atlanta Lancaster Branford Parsippany Shawnee Mission Phoenix Thiensville Kansas City Lancaster Pensacola Mequon Birmingham Little Rock Plano Bloomfield Macon Plainview Tempe Avon Lake Braselton Baltimore Duncan Atlanta Salt Lake City Knoxville Atlanta Tallahassee Malvern Farmington Indianapolis Houston Little Rock Clearwater Athens Omaha Columbia Brooklyn Center Baton Rouge Denver Avon Birmingham Sterling Heights Austin St. Louis Park Lancaster Rogers Grand Prairie Eagan Sterling Austin Westbury Thomasville Mandeville Alexandria Durham FL 33134 Comm.Self,Cas,L&H 6/20/02 MartinCullen (305) 4615844 GA 30339 Comm.Self,Cas,L&H 7/8/02 KateMattox (678) 9214300 SC 29720 Comm.Self,Cas,L&H 7/31/02 StanleyJohnson (800) 6354252 CT 6405 Comm.Self,Cas,L&H 8/28/02 CarolLashua (203) 4836311 NJ 7054 Comm.Self,Cas,L&H 8/28/02 AmandaMesa (800) 4224436 KS 66201 Comm.Self,Cas,L&H 8/30/02 PaulKlein,II (913) 3817503 AZ 85012 Comm.Self,Cas,L&H 8/30/02 JoelAlperstein (410) 5818700 WI 53092 Comm.Self,Cas,L&H 8/30/02 JamesWick (262) 4781020 MO 64105 Comm.Self,Cas,L&H 10/11/02 GregStites (816) 7018424 PA 17604 Comm.Self,Cas,L&H 10/11/02 KimberlyBraas (717) 5811300 FL 32501 Comm.Self,Cas,L&H 10/11/02 JaniceBoyce (850) 4321700 WI 53092 Comm.Self,Cas,L&H 12/6/02 DeborahPritchard (800) 8779077 AL 35236 Comm.Self,Cas,L&H 12/6/02 TracyCarter (205) 8027531 AR 72205 Comm.Self,Cas,L&H 12/30/02 JamesCouch (501) 2251551 TX 75075 Comm.Self,Cas,L&H 1/29/03 CharlesLyles (972) 5770000 CT 6002 Comm.Self,Cas,L&H 2/14/03 JohnWiggin (860) 6164039 GA 31210 Comm.Self,Cas,L&H 2/14/03 JohnNeel,Jr. (478) 7418770 NY 11803 Comm.Self,Cas,L&H 2/27/03 DeniseGoettinger (800) 3284728 AZ 85282 Comm.Self,Cas,L&H 2/27/03 RichardStandridge,M.D. (480)3773000 OH 44012 Comm.Self,Cas,L&H 2/27/03 StevenSosnowski (440) 9307500 GA 30517 Comm.Self,Cas,L&H 2/27/03 JohnLyle (770) 9044010 MD 21236 Comm.Self,Cas,L&H 4/21/03 DawnSchaffer (410) 9333966 OK 73533 Comm.Self,Cas,L&H 5/5/03 MaryAnneMiller (580) 2558530 GA 30366 Comm.Self,Cas,L&H 6/26/03 LarryGuzy (770) 4583996 UT 84116 Comm.Self,Cas,L&H 6/26/03 DianeGatherum (801) 9902400 TN 37950 Comm.Self,Cas,L&H 7/24/03 WillamBall (865) 5880177 GA 30350 Comm.Self,Cas,L&H 7/24/03 JeffDishough (770) 5947799 FL 32312 Comm.Self,Cas,L&H 7/24/03 ThomaGuerin (850) 3853636 PA 19355 Comm.Self,Cas,L&H 7/24/03 JaniceMoore (610) 6691000 CT 6032 Comm.Self,Cas,L&H 9/26/03 MichaelDunst (860) 4097450 IN 46250 Comm.Self,Cas,L&H 9/26/03 KathyEvelo (317) 2847100 TX 77018 Comm.Self,Cas,L&H 9/26/03 ChrisO'Sullivan (713) 9328917 AR 72203 Comm.Self,Cas,L&H 9/26/03 DenverFletcher (501) 6614800 FL 33755 Comm.Self,Cas,L&H 11/7/03 DarceyShaffer (727) 5848128 GA 30601 Comm.Self,Cas,L&H 12/5/03 AllenGreen (706) 5490549 NE 68131 Comm.Self,Cas,L&H 2/11/04 StacyScholtz (402) 3511088 SC 29219 Comm.Self,Cas,L&H 2/11/04 AnnMarieCoval (803) 2643270 MN 55430 Comm.Self,Cas,L&H 2/26/04 MicheleKunstmann (763) 5493366 LA 70809 Comm.Self,Cas,L&H 4/2/04 ErichSternberg (888) 7295433 CO 80202 Comm.Self,Cas,L&H 5/5/04 SonyaMueller (303) 2264534 CT 6001 Comm.Self,Cas,L&H 5/5/04 GaryCorliss (860) 6745660 AL 35242 Comm.Self,Cas,L&H 5/5/04 DonaldCapps (205) 9801332 MI 48312 Comm.Self,Cas,L&H 5/5/04 John O'Brien (586) 6934300 TX 78759 Comm.Self,Cas,L&H 5/5/04 Stephen Bush (512) 3477900 MN 55416 Comm.Self,Cas,L&H 5/5/04 Jan Olsson (952) 2775500 PA 17603 Comm.Self,Cas,L&H 5/12/04 JohnBarrett (717) 8728576 AR 72756 Comm.Self,Cas,L&H 5/12/04 LeesaDavis (479) 6360198 TX 75050 Comm.Self,Cas,L&H 5/12/04 KarenRobb (800) 7330811 MN 55122 Comm.Self,Cas,L&H 5/12/04 MichaelWalsh (651) 4065994 VA 20166 Comm.Self,Cas,L&H 5/21/04 DouglasByrd (800) 2747526 TX 78726 Comm.Self,Cas,L&H 5/21/04 DavidFriedrichs (512) 3494760 NY 11590 Comm.Self,Cas,L&H 6/17/04 SueVasata (800) 6224131 GA 31792 Comm.Self,Cas,L&H 7/1/04 Carol Dixon (229) 2261937 LA 70471 Comm.Self,Cas,L&H 7/15/04 PaulaTownson (985) 6248383 VA 22311 Comm.Self,Cas,L&H 7/15/04 CharltonTooke,III (703) 2366308 NC 27705 Comm.Self,Cas,L&H 8/27/04 BrianMerritt (919) 6842948 2004 Annual Report 80 Georgia Department of Insurance 44160 Ancillary Care Management, Inc. 44162 DreamLife Administration, LLC 44163 Benicomp, Inc. 44167 MecuryClaimsandAssistanceofWisconsin,LLC 725 S. Figueroa Street, Suite 2150 6950 East First Street 8310 Clinton Park Drive 1039 Ellis Street Los Angeles Scottsdale Fort Wayne Stevens Point CA 90017 Comm.Self,Cas,L&H 9/16/04 RobynHansen AZ 85251 Comm.Self,Cas,L&H 9/16/04 WayneSchreck IN 46825 Comm.Self,Cas,L&H 11/2/04 SueEager WI 54481 Comm.Self,Cas,L&H 12/21/04 JoanKranig (213) 2132400 (480) 4295735 (260) 4827400 (715) 3460843 Georgia Department of Insurance Licensed Title Insurers 81 NAIC# COMPANY NAME 51152 Atlantic Title Insurance Co. 50687 Attorneys Title Insurance Fund, Inc. 50636 Censtar Title Insurance Company 50229 Chicago Title Insurance Co. 50026 Commerce Title Insurance Company 50083 Commonwealth Land Title Insurance Co. 51209 Conestoga Title Insurance Company 51071 Fidelity National Title Company of NY 50814 FirstAmerican Title Insurance Co. 50008 FirstAmerican Title Insurance Co. NC 50369 Investors Title Insurance Co. 50024 Lawyers Title Insurance Corp. 50695 National Title Insurance Co. 51020 National Title Insurance of NY Inc. 50520 Old Republic National Title Insurance Co. 50784 Security Title Guarantee Corp. of Baltimore 50857 Security Union Title Insurance Co. 50792 Southern Title Insurance Corp. 50121 Stewart Title Guaranty Co. 50067 Ticor Title Insurance Co. 51535 Ticor Title Insurance Co. of FL 50245 Title Insurance Company ofAmerica 50012 Transnation Title Insurance Co. 51624 United General Title Insurance Co. Domicile State SC FL TX MO CA PA PA NY CA NC NC VA FL NY MN MD CA VA TX CA FL TN AZ CO TOTALS Date Licensed 8/18/78 12/28/88 10/28/03 10/17/62 10/12/04 5/16/61 9/8/04 8/23/51 4/25/72 3/7/68 7/10/83 6/27/39 11/30/00 10/5/60 2/2/44 6/2/72 12/31/73 11/16/00 2/26/62 8/14/67 9/14/04 10/20/88 10/6/85 8/1/86 Total Surplus Assets 9,343,044 5,814,113 250,759,201 112,735,937 17,128,584 16,182,314 1,351,062,584 492,205,285 16,848,772 9,395,147 656,914,457 165,628,246 8,662,868 4,069,068 747,720,495 219,703,840 1,825,722,531 746,045,466 8,508,822 8,200,040 92,015,192 45,928,373 650,343,893 237,640,169 4,636,278 2,767,651 15,547,849 5,324,992 448,781,315 113,986,814 15,110,682 5,100,947 120,269,207 73,297,924 17,751,912 7,663,688 899,998,188 417,905,733 279,982,068 66,081,191 110,353,479 34,342,887 13,410,059 8,866,626 194,572,429 75,561,924 64,126,824 22,784,914 Total Premium 708,790 843,823 73,397 46,015,896 0 20,378,306 0 23,515,863 47,557,309 27,325 91,022 30,668,063 103,064 54,835 32,625,620 30,575 0 128,651 26,419,467 1,958,372 6,330,121 200,099 77,949 6,979,280 Georgia Market Share 0.29% 0.34% 0.03% 18.80% 0.00% 8.32% 0.00% 9.61% 19.43% 0.01% 0.04% 12.53% 0.04% 0.02% 13.33% 0.01% 0.00% 0.05% 10.79% 0.80% 2.59% 0.08% 0.03% 2.85% 7,755,443,909 2,897,233,289 244,787,827 100.00% 2004 Annual Report