Unity Life : Financials

Unity Mutual Life
Insurance Company

PO Box 5000
Syracuse, NY • 13250
Tel: 800-836-7100
Fax: 315-448-7100

2006 Annual Financials

A primary way to measure a life insurance company’s strength is its assets and liabilities as shown on its statutory balance sheet. The following shows the major components of Unity Mutual’s balance sheet as of year-end 2006:

Statutory Balance Sheet
(Amounts in Thousands)

Admitted Assets	$333,444
Policy Reserves and Claims	$300,150
Total Liabilities	316,393
Surplus	17,051

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Unity invests in well-diversified investment grade bonds to support the cash flow requirements of its policies. Unity does not invest in below investment grade (junk) bonds; however, occasionally, a bond holding may be downgraded to this status. At year-end 2006, only 0.5% of the investment portfolio was less than investment grade bonds. Additionally, less than 0.1% of Unity’s admitted assets were invested in mortgages and real estate.

Cash and Invested Assets(Year 2006)
(Amounts in Thousands) Total: 319,202

Category	Amount	Ratio
Bonds	283,616	89%
Cash & Short Term	6,572	2%
Common and Preferred Stock	14,130	4%
Loans to Policyholders	13,945	4%
Mortgages, Loans, Real Estate, & Other	939	<1%

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