701869--3/16/2006--INDEPENDENCE_HOLDING_CO

related topics
{loss, insurance, financial}
{regulation, government, change}
{loan, real, estate}
{capital, credit, financial}
{condition, economic, financial}
The Company's Loss Reserves are Based on an Estimate of Its Future Liability, and if Actual Claims Prove to be Greater Than The Company's Reserves, Its Results of Operations and Financial Condition May Be Adversely Affected The Company's Results May Fluctuate as a Result of Factors Generally Affecting the Insurance and Reinsurance Industry If the Rating Agencies Downgrade the Company's Insurance Companies, the Company's Results of Operations and Competitive Position in the Industry May Suffer Certain Proposed Federal and State Legislation May, if Adopted, Adversely Affect the Company's Employer Medical Stop-Loss Business The Company's Inability to Assess Underwriting Risk Accurately Could Reduce Its Net Income Decreases in the Fair Market Value of Fixed Maturities May Greatly Reduce the Value of the Company's Investment Portfolio, and as a Result, the Company's Financial Condition May Suffer If the Company Fails to Comply With Extensive State and Federal Regulations, the Company Will Be Subject to Penalties, Which May Include Fines and Suspension and Which May Adversely Affect the Company's Results of Operations and Financial Condition

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