Percent of business in Illinois by line:

Personal: 100% (95% non-standard, 5% preferred)

Are you currently appointing new agents? Yes, in the entire state.

What type of agency is your company looking for? Any agency that writes non-standard Auto business.

What are your premium volume requirements? No premium volume requirements. Commission schedule: 16% up to 50K, 18% up to 100K, 20% beyond that.

Are you currently doing any niche-marketing program? No

What is your company's most aggressive line of business? Non-Standard Automobile

Do you use credit scoring? No.

Do you currently download/upload with your agencies? Not at this time in Illinois. However we will be rolling out in Illinois in 2003.

What methods do you use to distribute your insurance products? Independent Producers

What do you think makes your company different, or stand out from all the rest in Illinois? Why would an agent want to contract with your company? Affirmative promotes a customer friendly and focused atmosphere. When calling our office very rarely will you go into voice mail. Knowledgeable, friendly underwriters are awaiting your call ready to help with any questions you may have. In addition, each agency is assigned a regional marketing representative to help with agency training, automation, company updates and production/loss ratio figures.

What are the major ways in which you are interfacing electronically with your agents today? Are you pleased with the results? Currently all direct bill producers in Illinois can utilize our affirmativeinsurance.com website to process payments, endorsements, look up policy information, claims information and commission information. To access the site your agency needs a login and password that can be obtained from Bob Meagher, Marketing Manager.

Additional Comments: Affirmative Insurance Company is a member of the Vesta Insurance Group located in Birmingham, Alabama. Vesta is rated B+ by A.M. Best and has over $200 million in policy holder surplus. The company offers 6 month and 12 month policies with monthly payment options and down payments as low as 10%.The company writes over $90 million in the state of Illinois and is looking to grow the book in 2003. If you are interested in doing business with Affirmative please contact Bob Meagher or complete an application for producer contract that can be found on affirmativeinsurance.com.