862923--3/26/2007--ML_LIFE_INSURANCE_CO_OF_NEW

related topics

{loss, insurance, financial}

{condition, economic, financial}

{debt, indebtedness, cash}

{regulation, government, change}

{control, financial, internal}

{financial, litigation, operation}

{regulation, change, law}

{competitive, industry, competition}

{loan, real, estate}

Competitive Factors May Adversely Affect Market Share and Financial Results The Insurance Industry is Heavily Regulated, and Changes in Regulation May Adversely Affect Financial Results Changes in Tax Legislation Could Make Certain Products Less Attractive to Consumers Volatility in Equity Markets May Adversely Affect Sales of Variable Annuity Products and Financial Results Impairment in the Value of the Investment Portfolio May Adversely Affect Financial Results Changes in Market Interest Rates May Adversely Affect Financial Results ML of New York s Business and Financial Results May be Adversely Impacted by an Inability to Sell Assets to Meet Maturing Obligations. Reserving Assumptions for Guaranteed Benefits Differences between Actual Experience and Reserving Assumptions May Adversely Affect Financial Results ML of New York May Incur Losses From Inadequate or Failed Internal Processes, People and Systems or From External Events. Legal Proceedings Could Adversely Affect ML of New York s Operating Results and Financial Condition for a Particular Period and Impact its Credit Ratings.

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862923--3/26/2007--ML_LIFE_INSURANCE_CO_OF_NEW_YORK