Financial strength, stability and the ability to pay claims on a timely basis are critical to today's seniors. Standard Life and Accident supports its commitment to its policyholders with exceptional financial strength. Based on statutory accounting figures as of December 31, 2009:

• Net Admitted Assets $506 Million
  
  An asset is anything of value owned by the business. Net admitted assets reflect the value of the assets permissible for annual statement purposes, as determined by regulatory authorities.

  
  

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• Liabilities $288 Million
  
  Debts or amounts owed which may or may not be immediately payable.

  
  

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• Capital and Surplus $218 Million
  
  Capital is ownership and surplus is retained earnings and amounts set aside for special contingencies.

  
  

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