Exhibit 10


Description of the SAFECO Corporation Interim Leadership Performance Program

For several executives of SAFECO Corporation and its subsidiaries, including its
named executive officers but not including its chief executive officer, an
interim Leadership Performance Program was established for the last six months
of 2001. Under the program the participant has an opportunity to earn incentive
pay based on corporate and business unit performance as well as individual
achievement of specific goals. Target award opportunities are between 35% and
70% of base salary.

Awards will be made based on the achievement of pre-established corporate and
individual goals. The corporate financial performance measures are operating
earnings per share and operating return on equity. The property and casualty
insurance business units' financial performance measure is combined ratio. The
life insurance and investments financial performance measures are operating
income and operating return on equity. The individual goals are separately set.

On an individual, pre-determined basis considering the participant's position
and responsibilities, the individual and corporate or business unit goals are
weighted between 25% and 75% each, e.g., 25% based on corporate financial
measures and 75% based on individual goals.

Determination of whether and the extent to which measures and goals have been
achieved and the payments of awards earned will occur during the first quarter