Amid National Tumult, NJM Is Steadfast

October 2008

New Jersey Manufacturers Insurance Company (NJM) has provided quality customer service at attractive rates for almost a century. Over the years, NJM has emphasized conservative financial practices, recognized by A.M. Best Company with the highest possible rating of A++ (Superior).

Rest assured that NJM remains strong despite the nation's current financial turmoil.

NJM's portfolio is comprised mostly of high-quality bonds, of which 98% are rated "A" or better. The Company also maintains carefully selected equity investments, which in the aggregate are less than 8% of our total assets.

Our solid financial position is rivaled only by our loyalty to customers. By exercising careful stewardship of premium dollars, NJM has been able to return dividends to policy-holders every year since 1918 totaling $4.6 billion.

For detailed information, please review the portion of our "2007 in Review" report explaining NJM's Financial Strength.