80124--3/16/2006--PRESIDENTIAL_LIFE

related topics

{loss, insurance, financial}

{regulation, change, law}

{capital, credit, financial}

{financial, litigation, operation}

{investment, property, distribution}

{system, service, information}

{personnel, key, retain}

{product, market, service}

{condition, economic, financial}

Changes in general economic conditions, including the performance of financial markets and interest rates: Heightened competition, including with respect to pricing, entry of new competitors and the development of new products by new and existing competitors: Our primary reliance, as a holding company, on sales of and interest on the Corporation s investments and rent from its real estate to meet debt payment obligations, operating expenses and dividend payments: Adverse results from litigation, arbitration or regulatory investigations: Regulatory, accounting or tax changes that may affect the cost of, or demand for, our products or services Downgrades in our claims paying ability, financial strength or credit ratings: Changes in rating agency policies or practices: A failure in our operational systems or infrastructure could impair our liquidity, disrupt our businesses, damage our reputation and cause losses: Our businesses may be adversely affected if we are unable to hire and retain qualified employees: Discrepancies between actual claims experience and assumptions used in setting prices for our products and establishing the liabilities for our obligations for future policy benefits and claims: Discrepancies between actual experience and assumptions used in establishing liabilities related to other contingencies or obligations: Other risks and uncertainties that have not been identified at this time.

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80124--3/16/2006--PRESIDENTIAL_LIFE_CORP