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USAble Life was chartered to write life, accident, and disability insurance in December 1980 and today has over $273 million in assets and over $167 million in total revenue. USAble Life is insurance company headquartered in Little Rock, Arkansas and offers a full line of group and individual products, sold at the worksite to meet the needs of employers and employees. The company insures over 1.2 million individuals, is admitted in 48 states plus the District of Columbia, and has over $31.3 billion of insurance in-force, as of December 31, 2006. In addition to its headquarters in Little Rock, it also has regional offices in Nashville, Tennessee, Ridgeland, Mississippi , Chapel Hill, North Carolina Andalusia, Alabama. and Eagan, Minnesota. USAble Life's product portfolio includes a broad range of both group, group voluntary and individual products including Group Term Life/AD&D, Group Short Term Disability, Group Long Term Disability , Voluntary Group Term Life, Voluntary Income Protection, Voluntary Long Term Disability , Universal Life , Cancer, GAPCare, Critical Illness , Accident, Ten Year Term Life, Heart & Stroke, Hospital Indemnity. USAble Life also offers Section 125 Cafeteria Plans with administration through Select Data Service Administrators (SDSA) for over 300 employers in several states. USAble Life and Southern Administrators & Benefit Consultants, Inc. (SABC) have been jointly providing cafeteria plan services in Mississippi since 1990. Operational Considerations: The company uses an outside actuarial firm, Wakely and Associates, an independent auditing firm, Deloitte and Touche, as well as outside legal counsel. Management staff: The Company is staffed with a cadre` of tenured managers who understand the administration of the group and the payroll deduction business. These managers understand the worksite marketing philosophy from group "set up" to "payroll and billing reconciliation". The management team has been an integral part of developing the administration system, LifePRO TM. A.M. Best Company rates USAble Life "A" (Excellent) and Standard & Poor's assigned a financial strength rating of "A" (Strong) to USAble Life in its most recent report. Both rating companies are well-known and highly regarded sources of information.