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Annual Reports

 1995 cover

1995 Annual Report

 1996 cover

1996 Annual Report

 

 

This information includes 'forward-looking statements within the meaning of Section 27A of the Securities Act of 1933, as amended, and Section 2.E of the Securities Exchange Act of 1934, as amended. All statements that are based on future expectations rather than on historical facts are forward-looking statements that involve a number of risks and uncertainties. Although the Company believes such forward-looking statements are reasonable, it can give no assurance that such statements will prove to be correct. Important factors that could cause actual results to differ materially from those expressed in any such forward-looking statements include, but are not limited to, the actual loss ratio on its dental indemnity business, the future cost of dental services associated with the Company's dental plans, the number of members selecting indemnity coverage under point-of-service dental plans, the Company's ability to change the provider panel under its Arizona Medicaid contracts, the administrative costs of servicing such plans, and the actual sales of the Company's products. All subsequent written and oral forward-looking statements attributable to the Company or persons acting on its behalf are hereby expressly so qualified in their entirety.

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