The IHC Group is an organization of affiliated insurance carriers, marketing and
administrative companies and agencies dedicated to delivering insurance solutions
to groups and individuals. The IHC Group is composed of Independence Holding Company
(NYSE:IHC), Standard Security Life Insurance Company of New York, Madison National Life
Insurance Company, Inc., Independence American Insurance Company and their respective
operating subsidiaries. The companies in the IHC Group have been providing health and
life insurance for over 30 years.