Percent of business in Illinois by line:
Commercial: 80% Personal: 20%
Life and Annuity: Run Separately

Are you currently appointing new agents? Yes. Targeting Lake and McHenry counties and Central Illinois.

What type of agency is your company looking for? Growing P/C operations both personal and commercial.

What are your premium volume requirements? Profit sharing, $250K. Profit sharing is growth and profit including nonstandard. Profit sharing is based on three-year weighted loss ratio.

Are you currently doing any niche-marketing program? Yes, both personal and commercial.

What is your company's most aggressive line of business? Small business and personal lines.

Do you use credit scoring? Yes

Do you currently download/upload with your agencies? Yes, both.

What methods do you use to distribute your insurance products? Independent, AARP.

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? Stability, breadth of product portfolio, name recognition, commitment to automation, competitive compensation.

If we had agents agree to sell homeowners policies with actual cash value endorsements, would you write more business in southern Illinois? Yes.

What are the major ways in which you are interfacing electronically with your agents today? SEMCI (all AMS platforms) and Applied (not vision), internet-based upload site.

Additional Comments: In 2002, the Hartford appointed 15 Standard Personal Lines agents and 34 for the Omni product (non-standard only). Existing agents include 120 standard and 100 non-standard.