The following ratings represent independent opinions from leading providers of insurer ratings of a company's financial strength.  Click here to see what the ratings below mean.

	Financial Strength Ratings1
A++ (superior) as of June 2008 Fitch Ratings AA (very strong)  as of August 2007 Standard & Poor's AA (very strong)  as of May 2006 Moody's Investors Service Aa3 (excellent)  as of September 2006

¹ These ratings do not apply to the safety or performance of any separate accounts or mutual funds.