volunteerism quarterlies

Although
there are no explicit support agreements in place between BMA and RBC,
Fitch believes that BMA benefits not only from its ultimate parent's
capital resources, but also from administrative support, risk
management expertise , and distribution opportunities.1
billion and capital and surplus of $141 million.

divinity unreached

At
Sept.shtml
Editors/Reporters: For more information on the poll, or to speak
with Dr.

seventh adventists

This business had historically experienced relatively favorable
operation performance, and its separation from BMA , along with the
transfer of the company's mutual fund subsidiary to another unit of
RBC, has resulted in a less diversified operating profile. See www.com, a political ad
testing web site for the 2004 Presidential campaign.

stewardship seventh

Findings include:

Among those describing themselves as politically conservative
or politically liberal, 97% and 98% respectively agreed to
help

99% of those who attend worship services weekly and 98% of
those who never attend services were willing to help

Religious affiliation played no role in determining who might
be a Good Samaritan: almost identical percentages (in the low
to high 90 % range) of all religious groups, as well as
self-described secularists and spiritual but not religious
persons, stated that they would be willing to help

A majority of physicians believe that religious upbringing is
either very important (28%) or important (41%) to one 's
willingness to act as a Good Samaritan

75% of physicians support "Good Samaritan " laws that protect
doctors, and in some states, the general public, from
liability

73% of physicians and the general public believe that
individual compassion is sufficient to ensure altruistic
behavior and that state intervention is not necessary

"The public should find comfort in the fact that, fear of lawsuits
and personal risk notwithstanding, so many doctors and fellow citizens
are ready to act as Good Samaritans. Founded in
1886 as a rabbinical school, JTS today is the academic and spiritual
center of Conservative Judaism worldwide, encompassing a world-class
library and five schools.

adventist ministerial

30, 2004, the company reported total admitted assets of $2.

sda gc

Generally, support for compassionate behavior was uniformly strong
across all political and religious groups. Mittleman or Rich Berke, please contact Sherry Kirschenbaum
in the Department of Communications at (212) 678-8953; or email
shkirschenbaum@jtsa. The company's services include
traditional and web-based marketing and advertising research.

dependencies addictive

The company's rating is supported by its strong risk-adjusted
capital position, conservative asset profile, and its position as a
subsidiary of Royal Bank of Canada (RBC).
Greenville, South Carolina-based BMA was established in 1909.

abstinence addictive

In the process of its acquisition by Liberty Life, BMA sold its
life reinsurance business to another subsidiary of its former parent.

Visit the JTS website at www.

gc volunteerism

HCD
Research is also the developer of readmylipz.

discipleship unreached

The Rating Outlook is Stable.edu/research/finkelstein/surveys/index.

gc pathfinder

Entity/Issue /Type Action Rating/Outlook

Business Men's Assurance Company of America

--Insurer financial strength Affirm 'A+'/Stable.

Feature Editors /Lifestyle Editors/Health Editors

NEW YORK----The recent tsunami
disaster in Asia has produced a worldwide outpouring of generosity and
compassion.

quarterlies volunteerism

Political or religious
affiliation made no significant difference in the willingness of
doctors and the public to help people in distress.

secretariat annuities

How compassionate are Americans when disasters or
accidents are closer to home? A new national survey of 1,027
physicians and 1,435 members of the general public that probed the
readiness of people to act as Good Samaritans revealed that 98% of
both groups indicated that they would stop to help accident victims.
"While we typically survey physicians to obtain their opinions on
medical issues , we are also interested in their views regarding
ethical and social issues because they work very closely with their
patients and the general public," said Rich Berke, Esquire, Director
of Operations and Legal Affairs, HCD Research.jtsa.jtsa.hcdi.

Category is for Programs and Services provided directly by the Seventh-day Adventist church -- on the GC, Union, Conference or local level.

divinity sda

New Survey Reveals Strong Willingness to Act as Good Samaritans; Large Majority Would Aid Accident Victims

The poll was conducted by the Louis Finkelstein Institute for
Religious and Social Studies and HCD Research as part of their
continuing exploration of the moral and religious beliefs of American
physicians .

adventists sabbath

BMA was acquired in May 2003 by Liberty Life Insurance Company
(Liberty Life), a member of RBC 's North American insurance operations. Fitch
believes that the company's exposure to interest rate is higher given
its post-acquisition product profile, which focuses on fixed and
variable annuities .

adventist divinity

Fitch Affirms Business Men's Assurance Company of America at 'A+'

Alan
Mittleman, Director of the Louis Finkelstein Institute.edu

HCD Research is a marketing and advertising research company
headquartered in Flemington, NJ.net

sabbath adventists

quarterlies adventists

jtsa.

seventh abstinence

Doctors and consumers drawn from the general public were
given an accident scenario -- a driver swerving to avoid a wild animal
crashes into a tree -- and then asked whether they would stop to help. JTS trains tomorrow's religious,
educational , academic and lay leaders for the Jewish community and
beyond.

stewardship freedoms

unreached annuities

Business Editors/Insurance Writers

CHICAGO----Fitch Ratings has affirmed
the 'A+' insurer financial strength rating of Business Men's Assurance
Company of America (BMA).edu/finkelstein.

unreached stewardship

Further information is available by visiting
www. For additional
information on HCD Research, access the company's web site at
www.

addictive sabbath

These positives are
partially offset by the company's limited scale, relatively narrow
product profile, and its current modest competitive position in the
life insurance and asset accumulation arena.
Following the acquisition, BMA received a significant capital infusion
which boosted its NAIC risk-based capital position to 424% of the
company action level at year-end 2003, and Fitch anticipates that
risk-based capital will remain above 400% at year-end 2004.edu
The Louis Finkelstein Institute, a part of The Jewish Theological
Seminary, provides a venue to advance dialogue at the intersection of
religion and public affairs.

dependencies altering

It
currently specializes in the production and sale of both fixed and
variable annuities, as well as variable universal life insurance. These results confirm the
vitality of the fine tradition of American volunteerism, as well as
Americans' suspicion of legislating morality," stated Dr.