I would like to thank you for taking the time to visit our web site. It was designed to introduce our team and briefly familiarize you to our personalized focus on insurance investing, statutory reporting and consulting. Often when visiting with insurers across the nation I am asked how we reduce risk while maintaining book yield. This aspect of our business is clearly on the minds of most insurance professionals and is discussed during insurance board meetings. Our focus on performance is centered upon enhancements to book yield and net investment income. Appropriate yields are always considered by the professionals at Parkway; however, our team spends as much time focused on risk reduction. For insurance companies the two main methods for reducing risk are:

1. Diversification as it pertains to the adjusted capital level of the company and any applicable reserves (IMR/AVR).
2. Structuring the investments of the company to consider the characteristics of the insurance products sold.

These two risk features are unique to insurance companies and different for each insurer. This is why insurance investment portfolios should differ and be customized to each insurer's specific needs. Each of our clients has performed well during the economic crisis and we attribute this success to our historic focus on these risk features.