835357--3/17/2006--MONY_LIFE_INSURANCE_CO_OF_AMERICA

related topics
{loss, insurance, financial}
{regulation, change, law}
{condition, economic, financial}
{financial, litigation, operation}
{capital, credit, financial}
{control, financial, internal}
{system, service, information}
{regulation, government, change}
EQUITY MARKET DECLINES AND VOLATILITY MAY ADVERSELY IMPACT OUR PROFITABILITY. INTEREST RATE FLUCTUATIONS MAY ADVERSELY AFFECT OUR MARGINS ON INTEREST-SENSITIVE ANNUITY AND LIFE INSURANCE CONTRACTS AND INCREASE SURRENDERS AND WITHDRAWALS FROM THOSE CONTRACTS. AN OVERALL ECONOMIC DOWNTURN COULD ADVERSELY AFFECT OUR REVENUES AND FINANCIAL POSITION. OUR RESERVES COULD BE INADEQUATE DUE TO DIFFERENCES BETWEEN OUR ACTUAL EXPERIENCE AND MANAGEMENT'S ESTIMATES AND ASSUMPTIONS. LOSSES DUE TO DEFAULTS, ERRORS OR OMISSIONS BY THIRD PARTIES COULD ADVERSELY IMPACT OUR BUSINESS AND RESULTS OF OPERATIONS. REINSURANCE MAY BE INADEQUATE TO PROTECT US AGAINST LOSSES AND WE MAY INCUR LOSSES FROM OUR REINSURERS' FAILURE TO MEET THEIR OBLIGATIONS. OUR EARNINGS ARE IMPACTED BY DAC AND VOBA CALCULATIONS THAT ARE BASED ON ESTIMATES THAT ARE SUBJECT TO CHANGE. A DOWNGRADE IN OUR FINANCIAL STRENGTH AND CLAIMS-PAYING RATINGS COULD ADVERSELY AFFECT OUR BUSINESS AND RESULTS OF OPERATIONS. LEGAL AND REGULATORY ACTIONS COULD HAVE A MATERIAL ADVERSE AFFECT ON OUR BUSINESSES. WE MAY BE ADVERSELY AFFECTED TO THE EXTENT THAT WE FACE INCREASED REGULATION AND/OR HEIGHTENED REGULATORY SCRUTINY. CHANGES IN U.S. TAX LAWS MAY ADVERSELY AFFECT OUR PROFITABILITY. CHANGES IN ACCOUNTING STANDARDS COULD HAVE A MATERIAL ADVERSE AFFECT ON OUR RESULTS OF OPERATIONS. OUR LOSSES PROVIDED FOR DISCONTINUED OPERATIONS MAY DIFFER FROM THE LOSSES ULTIMATELY REALIZED. OUR DISCLOSURE AND INTERNAL CONTROL SYSTEM CANNOT GUARANTEE THAT OUR PUBLIC DISCLOSURE AND FINANCIAL STATEMENTS DO NOT CONTAIN ERRORS.

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