Physicians Life Insurance Company is a member of the Physicians Mutual® family. It was established in 1970 to provide important life insurance protection to Americans of all ages. Today, Physicians Life Insurance Company has over $3.7 billion in life insurance in force, and a variety of products. Physicians Life Insurance Company's Annuity Division provides long-term savings vehicles for customers and is committed to developing secure and innovative products.

When you choose Physicians Mutual® you are trusting us to provide products and services to help protect your family and enhance your quality of life. You are putting your faith in us to invest our resources wisely, so we will have the financial strength and stability to fulfill our promises to you. And, you expect us to be good corporate citizens, and operate with the highest standards of ethics and integrity.

Every day, all of us at Physicians Mutual® work hard to exceed these expectations by caring for you - our policyowners - in big and small ways. That commitment to continually earn your trust has in turn earned us high marks from the insurance ratings agencies.

Strength and Stability - it's what you look for in a company. Especially an insurance company. You'll find that financial strength and reliability in our companies. Our motto, "We're here when you need us®" was chosen with great care to be a true reflection of our company and commitment to our policyowners and the future.

But don't just take our word for it. Check into our ratings from independent insurance analysts. Look at our operating style and investment philosophy. Trust Physicians Mutual® to be here when you need us.

What does all this mean to you? According to our Chief Financial Officer Roger Hermsen, "Ratings reflect a company's ability to meet its obligations to policyowners, not only today but in the future. Bottom line, they tell you we are here when you need us."



Source: Center for Medicare Advocacy, Inc., December 30, 2003
Source: Centers for Medicare and Medicaid Services, March 2003