Columbian Mutual Life Insurance Company, a New York domiciled mutual life insurer, was founded in 1882. It has always prided itself on maintaining a solid financial and investment posture to ensure that it can meet its policyholder obligations.

The Company ended 2007 in an extremely strong financial position. Surplus, which provides a safety cushion for meeting policyholder claims, remains strong. Capital adequacy tests show the Company to be very well capitalized.

The most important determinant  of a life insurer's financial strength is its investment portfolio - Columbian Mutual's portfolio is very strong indeed! As detailed in the graph, the bond portfolio consists almost entirely of investment grade securities (bonds rated "Class 2" and higher by the National Association of Insurance Commissioners). The Company has never been an active investor in non-investment grade bonds. The commercial mortgage loan portfolio continues to perform exceptionally well.

The Company also conducts its insurance business in a conservative manner. Columbian Mutual carefully scrutinizes and actively reinsures risks in excess of its desired retentions only with companies that are financially sound.

Overall, Columbian Mutual is dedicated to maintaining the sound financial position which its policyholders justifiably expect.

Columbian Mutual Life Insurance Company Financials
(based on 2007 year-end information)

Assets = $892,831,900 
Total Liabilities = $818,624,598
Surplus = $74,207,301

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