Independence Holding (IHC) 10-K2005 FY Annual report

Filed: 16 Mar 06, 12:00am

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Positive
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Legalese
Litigous
Readability	8th grade Avg

New words: accuracy, add, adhere, adherence, advantaged, afford, affordable, al, ample, Arizona, ass, backlog, bank, begun, Bloomington, breach, broker, brokerage, burden, CDHP, civil, claimant, collectiv, commensurate, commercial, compete, complex, comprehe, confirm, converge, country, damage, de, deficiency, demand, deve, deviate, deviated, deviation, difficulty, ding, distort, distributor, du, ealth, ed, edical, ef, EGP, ely, enrollment, epidemic, erience, error, evenly, eviation, exc, expertise, exploring, Failure, FAS, feasible, FINANCIALCONDITION, flat, floating, forgoing, forward, FSP, Good, GroupLink, Guam, half, heavily, history, holder, hourly, hundred, ially, IBNR, ility, illustrate, impracticable, incidence, Indiana, infraction, ing, inpatient, integral, intended, Interlock, ion, ioned, ipal, ition, ized, Jeffrey, joint, jointly, justification, LAE, lapse, layer, liab, llion, locked, lopment, Lt, magnified, mandated, manner, member, merged, mill, Minnesota, mix, modest, multiple, municipal, Northeastern, nsive, nsured, nts, older, oss, ount, overhead, pattern, persistency, Phoenix, precision, predictor, princ, professional, promoting, pronouncement, rata, recessionary, recipient, recover, recruit, redundancy, redundant, regar, rehabilitation, relied, rely, reopen, repeated, resolved, retrospective, risky, roup, save, scop, Scott, seasonal, sector, sheer, shrinkage, similar, simply, skewed, soft, sought, speculative, stable, statistical, STM, STOCKHOLDER, studied, study, submission, substant, supply, surviving, susceptibility, technology, Tempe, thousand, throug, top, treatment, TRU, true, ully, unanticipated, uncertainty, uncommon, unfavorable, uninsured, unpredictable, updated, upgraded, variation, venture, viable, Wood, wrote

Removed: AAA, accumulation, adjudicating, announce, annum, behavioral, bond, captive, cede, check, commitment, compensatory, consummate, decreasing, deduction, dilution, estate, expiring, handling, influence, Internet, introduction, legislative, light, MGA, negligible, network, ordered, ordinarily, payroll, performed, producing, proportionally, RAS, real, recourse, recoverability, rest, ri, Securitized, seek, sk, slightly, sooner, sue, Unaudited, virtue, volume, Warrant, working

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EXHIBIT 21

INDEPENDENCE HOLDING COMPANY

Subsidiaries as of March 1, 2006


Subsidiary					Jurisdiction

Independence Capital Corp.					Delaware
	Madison National Life Insurance Company, Inc.				Wisconsin
		Madison Investors Corporation			Delaware
		IC West Underwriting Services LLC			Delaware
		Credico Insurance Services, Inc.			North Carolina
		Credico Life Insurance Company			Nevis
		Standard Security Life Insurance Company of New York			New York
			Standard Security Investors Corporation		New York
			SSH Corp.		Delaware
			Majestic Underwriters LLC		Delaware
			Strategic Health Associates Inc.		Delaware
			HPA Holdings Corp.		Arizona
				Health Plan Administrators, Inc.	Illinois
				HPA Marketing, Inc.	Illinois
			GroupLink, Inc.		Indiana
				GroupLink Reinsurance Company, Ltd.	Turks & Caicos
			On-Line Brokerage, Inc.		Delaware
			IAC Holding Corp.		Delaware
				Insurers Administrative Corporation	Arizona
				Interlock Corporation	Arizona
Community America Insurance Services, Inc.					Delaware
Madison Standard Corp.					Wisconsin
Independence Holding LLC					Delaware
G.P. Associates Holding Corp.					Delaware
			MAP Holdings, Inc.		Delaware
				Medical Alliance Partnership LP	Minnesota
Independence Preferred Trust I					Delaware
Independence Preferred Trust II					Delaware
Independence Preferred Trust III					Delaware

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