Our Financial Strength

At Aurora National Life Assurance Company, we understand that security is the reason people buy life insurance and annuities. This is why we place so much emphasis on our own financial security, especially through our strong ratio of capital to liabilities and our conservatively managed investment portfolio.

Here are some of the reasons why we believe Aurora continues to be one of the strongest and safest life insurance companies in the industry today.

• Exceptional Balance Sheet with a Strong Capital Position
• High Quality, Diversified Asset Portfolio
• A Sound Match Between Assets and Liabilities

Exceptional Balance Sheet with a Strong Capital Position

Capital and surplus provide an important measure of the strength of an insurance company. A large amount of capital, especially in relation to liabilities, helps ensure against financial risks and obligations an insurance company may incur. Well-capitalized companies typically provide the greatest protection to policyholders because they are best able to ensure that their financial obligations will be met.

As of December 31, 2009 Aurora reported:

• Over $2.9 billion in assets
    
• Capital, surplus and asset valuation reserve
  in excess of $336 million.

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High Quality, Diversified Asset Portfolio

Currently, Aurora's assets are composed almost entirely of highly marketable, publicly traded investment grade securities and policy loans, with no direct investments in real estate. This superb asset risk profile is virtually unmatched in the industry.

At December 31, 2010, Aurora's portfolio included approximately 125 different corporate issuers, thus limiting Aurora's risk with respect to any particular company or industry.  In addition, the composition of our portfolio is monitored and managed to limit the risk of exposure to downturns in specific sectors of the economy. At December 31, 2009, over 30% of Aurora's security investments are in government and government guaranteed securities.

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A Sound Match Between Assets and Liabilities

Aurora's investment portfolio is structured so that the maturity and interest rate sensitivity of assets generally match the maturity and estimated interest rate sensitivity of liabilities, helping protect Aurora against the volatility of the securities markets.

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