859139--2/28/2008--DELPHI_FINANCIAL_GROUP_INC/DE

related topics

{competitive, industry, competition}

{capital, credit, financial}

{regulation, change, law}

{loss, insurance, financial}

{operation, international, foreign}

{regulation, government, change}

The Company s financial position exposes the Company to interest rate risks. The Company s ability to reduce its exposure to risks depends on the availability and cost of reinsurance. The insurance business is a heavily regulated industry. The Company s financial position and results of operations may be adversely impacted by changes in accounting rules and in the interpretations of such rules. The financial services industry is highly competitive. The Company may be adversely impacted by a decline in the ratings of its insurance subsidiaries or its own credit ratings.

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