FINANCIAL HIGHLIGHTS (In thousands except percent and per share amounts) NET OPERATING INCOME PER COMMON SHARE* OPERATIONS: Total Premium $2,279,033 $2,215,169 2.9 Total Revenue 2,737,966 2,707,042 1.1 Net Operating Income * 423,609 404,585 4.7 Annualized Life Premium in Force 1,343,156 1,257,413 6.8 Annualized Health Premium in Force 1,030,482 1,042,643 (1.2) Diluted Average Shares Outstanding 120,669 125,861 (4.1) Net Operating Income as a Return  On Average Common Equity ** 16.5% 16.6% PER COMMON SHARE: Net Operating Income * $3.51 $3.21 9.3 Shareholders' Equity at Year End ** 22.46 20.25 10.9 2002 2001 % CHANGE ‘99 $2.64 ‘98 $2.38 ‘00 $2.94 ‘01 $3.21 ‘02 $3.51 * Excludes realized gains and losses, the loss on redemption of debt and preferred securities, discontinued operations, required changes in accounting principles in 1999 and 2001, and other nonrecurring items. All prior periods exclude amortization of goodwill. **Includes fixed maturity investments at amortized cost. 1