Errors & Ommissions Program
Endorsed and Recommended by NAIFA for Agents and Agencies

NAIFA Professional Liability Program Selects New Carrier
Hatboro, PA – December 13, 2004 — The National Association of Insurance and Financial Advisors (NAIFA) Professional Liability Program announced the selection of its new carrier — the Lexington Program Division of American International Group, Inc. (AIG). The carrier change will took effect on January 1, 2005, and the actual insurance carrier name will be New Hampshire Insurance Company.

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Chosen for its outstanding reputation, renowned industry expertise, strong financial stability, and broad coverage offerings, Lexington provides comprehensive property, casualty and specialty insurance solutions. Lexington offers significant policyholder benefits, including:

Enhanced coverages — The move to Lexington will afford NAIFA members additional coverages, such as:
- Coverage for life settlements
- Unlimited extended reporting period
- Coverage for insolvency claims
- Automatic 60-day extended reporting period

Stability - Lexington carries the industry’s highest financial strength ratings: A++ (Superior), Class XV, from A.M. Best Company, and AAA from Standard & Poor’s.
Industry expertise - Top underwriting talent and in-depth risk knowledge enable Lexington to address the most complex insurance matters, from the property risks of retailers, to the employment practices exposures of corporations.

Claims assistance - Experienced Lexington claims specialists and leading attorneys help policyholders surmount potentially catastrophic claims, prevail in complex litigation, and quickly resolve “open and shut” cases.

Flexibility - Lexington’s exceptional flexibility of rate and form is a result of its underwriting capabilities and open access to market-leading products and the services of AIG.

By combining these strengths, Lexington provides the custom coverage and superior service that clients need to prosper — year after year, market cycle after market cycle.

With Lexington, the NAIFA Professional Liability Program remains an attractive and competitive option for professional liability coverage. Although Lexington will introduce a 10% rate increase across the board, it is the first rate increase instituted by the program since 1997, and the percentage is in line with industry standards and program results.

Aon’s Affinity Insurance Programs, the program administrator, has already sent renewal information to members with renewal dates of January and February 2005. It is imperative that all members return their applications to Aon’s office 30 days prior to their expiration date. For more information concerning carrier transition or the Lexington Program, please contact the NAIFA E&O Program Customer Service Department at (800) 247-3448, or call Ross Jordan, Vice President, Agent Programs, at (215) 773-4715.

About Aon’s Affinity Insurance Services
Aon’s Affinity Insurance Services is a subsidiary of Aon Corporation (NYSE: AOC), a company comprised of a family of insurance brokerage, consulting, and underwriting subsidiaries. Affinity Insurance Services has focused the resources of Aon Corporation to meet the benefit needs of various professional groups for over six decades. Recognized as an industry leader, Affinity Insurance Services maintains a highly trained and experienced staff dedicated to serving your insurance needs.

About AIG Programs
American International Group, Inc. (AIG) is the world's leading international insurance and financial services organization, with operations in more than 130 countries and jurisdictions. AIG member companies serve commercial, institutional and individual customers through the most extensive worldwide property-casualty and life insurance networks of any insurer. In the United States, AIG companies are the largest underwriters of commercial and industrial insurance, and AIG American General is a top-ranked life insurer.

AIG's global businesses also include financial services, retirement services and asset management. AIG's financial services businesses include aircraft leasing, financial products, trading and market making. AIG's growing global consumer finance business is led in the United States by American General Finance. AIG also has one of the largest U.S. retirement services businesses through AIG SunAmerica and AIG VALIC, and is a leader in asset management for the individual and institutional markets, with specialized investment management capabilities in equities, fixed income, alternative investments and real estate. AIG's common stock is listed on the New York Stock Exchange, as well as the stock exchanges in London, Paris, Switzerland and Tokyo. 

NOTE: This release is not intended to be a legal interpretation of any policy provisions, but merely to present highlights of the more important provisions of an errors and omission program. This is intended only to provide an overview of standard policy features on any endorsements. The terms of the policy itself control.

The NAIFA Professional Liability Insurance Program is administered by Affinity Insurance Services, Inc.; in CA, MN, and OK, AIS Affinity Insurance Agency, Inc. (CA license #0795465) and in NH and NY, AIS Affinity Insurance Agency.

For information:
www.Naifa-Insurance.com
www.aon.com
Contact: Cusomter Service Department
Phone: (800) 247-3448

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