862923--3/29/2006--ML_LIFE_INSURANCE_CO_OF_NEW_YORK

related topics
{condition, economic, financial}
{loss, insurance, financial}
{competitive, industry, competition}
{regulation, government, change}
{debt, indebtedness, cash}
{control, financial, internal}
{financial, litigation, operation}
{regulation, change, law}
{loan, real, estate}
Industry Trends Could Adversely Affect Financial Results 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 Fixed Maturity Securities 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. Claims Experience and Reserving Assumptions Differences between Actual Claims 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 Financial Results for a Particular Period and Impact its Credit Ratings.

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