Exhibit 99.1

                           Glossary of Selected Terms

     The following measures are used by the Company's management to evaluate
performance against historical results and establish targets on a consolidated
basis. A number of these measures are components of net income but, in some
cases, may be considered non-GAAP financial measures under applicable SEC rules
because they are not displayed as separate line items in the consolidated
statement of income, and in some cases, require inclusion or exclusion of
certain items not ordinarily included or excluded in a GAAP financial measure.
In the opinion of the Company's management, a discussion of these measures
provides investors with a better understanding of the significant factors that
comprise the Company's periodic results of operations.

Agent - A licensed representative of an insurer in marketing insurance products.

- - Career agents - Agents under contract with the Company to market only the
Company's products and limited additional third-party vendor products authorized
by the Company.

- - Experienced agents - Career Agents with more than two years of experience with
the Company. Their compensation is comprised of commissions and incentives.

- - Financed agents - Career Agents in their first two years of employment with
the Company. Their compensation is comprised of a base salary (subsidy) and
commissions, with the base salary (subsidy) component declining as the agent
gains more experience. Financed Agents are also eligible for incentives.

- - Independent agents - Agents who are under contract with the Company to market
the Company's annuity products but who are not restricted to writing only the
Company's products and products authorized by the Company.

Catastrophe losses - In categorizing property and casualty claims as being from
a catastrophe, the Company utilizes the designations of the Insurance Services
Office, Inc. ("ISO") and reports amounts net of reinsurance recoverables. A
catastrophe is a severe loss resulting from natural and man-made events within a
particular territory, including risks such as fire, earthquake, windstorm,
explosion, terrorism and other similar events, that causes $25 million or more
in insured property and casualty losses for the industry and affects a
significant number of property and casualty insurers and policyholders. Each
catastrophe has unique characteristics. Catastrophes are not predictable as to
timing or amount in advance, and therefore their effects are not included in
earnings or claim and claim adjustment expense reserves prior to occurrence. In
the opinion of the Company's management, a discussion of the impact of
catastrophes is meaningful for investors to understand the variability in
periodic earnings.

                                       1



Prior Years' Reserve Development - A measure which the Company reports for its
property and casualty segment which identifies the increase or decrease in net
incurred claim and claim adjustment expense reserves at successive valuation
dates for claims which occurred in previous calendar years. In the opinion of
the Company's management, a discussion of prior years' loss reserve development
is useful to investors as it allows them to assess the impact on current period
earnings of incurred claims experience from the current calendar year and
previous calendar years.

Property and casualty operating statistics - Operating measures utilized by the
Company and the insurance industry regarding the relative profitability of
property and casualty underwriting results.

- - Loss Ratio or Loss and Loss Adjustment Expense Ratio - The ratio of (1) the
sum of net incurred losses and loss adjustment expenses to (2) net earned
premiums.

- - Expense Ratio - The ratio of (1) the sum of operating expenses and the
amortization of policy acquisition costs to (2) net earned premiums.

- - Combined Ratio - The sum of the Loss Ratio and the Expense Ratio. A Combined
Ratio less than 100% generally indicates profitable underwriting prior to the
consideration of investment income.

Return on equity - The ratio of (1) 12-month net income to (2) the average of
ending shareholders' equity for the current quarter end and the preceding four
quarter ends.

Sales or Annualized New Sales - Sales represent the amount of new business sold
during the period and exclude renewal of policies sold in previous periods.
Sales are measured by the Company as premiums and deposits to be collected over
the 12 months following the sale of a new policy, and this time period may
extend into the following calendar year. Sales should not be viewed as a
substitute for any financial measure determined in accordance with GAAP,
including "sales" as it relates to non-insurance companies, and the Company's
definition of sales might differ from that used by other companies. The Company
utilizes sales information as a performance measure that indicates the
productivity of Career Agents and Independent Agents. Sales are also a leading
indicator of future revenue trends.

                                        2