BENCHMARKS REPORT

Industry Measure: Business Segment Data
| SIC: | 6300 |
| INDUSTRY: | INSURANCE CARRIERS |
| BENCHMARKS FOR THE INDUSTRY |
| NO. OF SEGMENTS REPORTING IN THE INDUSTRY: 23 |
|
1997 SALES FOR THE INDUSTRY: $ 1794 (Total Sales in $Millions) |
|
OPERATING MARGIN: -3.4 (Allocated Operating Profits (divided by) Segment Sales) |
|
ASSET INTENSITY: 1692.0 (Allocated Assets (divided by) Segment Sales) |
|
SALES GROWTH: 15.0 (Compound 3-Year Growth Rate in Sales for the Median Participant in the Industry) |
| BENCHMARKS FOR THE TOP FOUR COMPETITORS |
| ROA: Allocated Operating Profits (divided by) Allocated Operating Assets |
| Competitor/Rank by Sales |
Market Share (% Ind. Sales) |
ROA |
| #1: AMERICAN GENERAL CORP |
21.5 | -0.4 |
| #2: NATIONWIDE FINL SVCS -CL A |
12.3 | 0.3 |
| #3: PROTECTIVE LIFE CORP |
11.9 | 3.6 |
| #4: CIGNA CORP |
8.8 | -3.0 |
| Total of #1-4: | 54.4 | -0.2 |