1079577--3/3/2006--STANCORP_FINANCIAL_GROUP_INC

related topics
{loan, real, estate}
{regulation, change, law}
{loss, insurance, financial}
{capital, credit, financial}
{operation, natural, condition}
{condition, economic, financial}
{financial, litigation, operation}
{regulation, government, change}
{competitive, industry, competition}
Adequacy of reserves established for future policy benefits Disability claims can fluctuate from time to time We are exposed to concentration risk on our group life insurance business Catastrophic losses from terrorism or other factors could have an adverse effect on us Our profitability may be adversely affected by changes in interest rates Our investment portfolio is subject to risks of market value fluctuations, defaults, delinquencies and liquidity Our business is subject to significant competition A downgrade in our financial strength ratings may negatively affect our business Our profitability may be affected by changes in state and federal regulation Our business is subject to litigation risk The concentration of our investments in California may subject us to losses resulting from an economic downturn in this state We may be exposed to environmental liability from our commercial mortgage loan and real estate investments Holding company dividends to shareholders may be affected by limitation on dividends imposed on Standard by state insurance regulation

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