845091--3/27/2008--MERRILL_LYNCH_LIFE_INSURANCE

related topics

{condition, economic, financial}

{competitive, industry, competition}

{regulation, government, change}

{loss, insurance, financial}

{regulation, change, law}

{debt, indebtedness, cash}

{loan, real, estate}

Industry trends could adversely affect our financial results Competitive factors may adversely affect our market share and financial results The insurance industry is heavily regulated and changes in regulation may adversely affect our financial results Changes in tax legislation could make certain insurance products less attractive to consumers Changes in equity markets and other factors may significantly affect our financial results Changes in equity markets and interest rates affects the profitability of our products with guaranteed benefits, therefore, such changes may have a material adverse effect on our financial results Impairments in the value of the investment portfolio may adversely affect our financial results Changes in market interest rates may adversely affect our financial results Business and financial results may be adversely impacted by an inability to sell assets to meet maturing obligations Differences between actual claims experience and underwriting and reserving assumptions may require liabilities to be increased, which may have a material adverse effect on our financial results

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845091--3/27/2008--MERRILL_LYNCH_LIFE_INSURANCE_CO