Article: American Republic Insurance Co.

Business Editors

NEW YORK--(BUSINESS WIRE)--Nov. 25, 2003

Credit Rating: Api/--/--

On Nov. 25, 2003, Standard & Poor's Ratings Services affirmed its 'Api' counterparty credit and financial strength ratings on American Republic Insurance Co. (American Republic). The ratings reflect its extremely strong capitalization, strong liquidity, good profitability, and significant dependence on the accident and health segment.

Major Rating Factors

-- American Republic's capitalization is extremely strong with a

Standard & Poor's capital adequacy ratio of 344% at year-end

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