We take pride in exceptional service before, during and after the sale. Product distribution is maximized with a two-pronged sales force of salaried account managers and trained broker partners who provide employees and Customers with the education and tools they need to make wise benefit decisions. Great Customer service is further highlighted by our innovative benefits administration solutions, including our Tax Advantage plans, in addition to our simplified underwriting processes and automated systems.

In the course of continuously improving our service and sales support to associations, employers and their employees, account managers were assigned to specific territories. This move allows our Customers to know they have a dedicated professional at their service. Further improvements were made to our product offerings as well with the addition of the Paycheck Protector II disability product with enhancements that offer greater affordability and increased participation.

Finding ways to further strengthen the Customer experience continued to be a priority. AWD reduced its claim turnaround time to get payments to our Customers even faster. Overall, we are proud to have contributed solid profits to American Fidelity through our endeavors, providing further assurance to Customers that we will always be here to meet their needs.

Much of our attention will also be directed to continuing the progress made over the last year. We will further develop our association relationships, centering primarily on the auto dealer market. As part of our “Recruit, Train and Retain” efforts, AWD also looks to add quality account managers to assist our Customers. On the product front, work on our third-generation disability product will be under way to implement sales in early 2007.