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Schedule III - Supplementary Insurance Information

12 Months Ended

Dec. 31, 2012

Schedule III - Supplementary Insurance Information

SCHEDULE III
INDEPENDENCE HOLDING COMPANY
SUPPLEMENTARY INSURANCE INFORMATION
(in thousands)

			FUTURE
			POLICY				INSURANCE	AMORTIZATION	SELLING
		DEFERRED	BENEFITS,	UNEARNED	NET	NET	BENEFITS,	OF DEFERRED	GENERAL &		NET
		ACQUISITION	LOSSES &	PREMIUMS	PREMIUMS	INVESTMENT	CLAIMS &	ACQUISTION	ADMINISTRATIVE		PREMIUMS
		COSTS	CLAIMS	(3)	EARNED	INCOME (1)	RESERVES	COSTS	EXPENSES (2)		WRITTEN
December 31, 2012
Medical Stop-Loss	$	-	59,029	-	139,724	4,990	90,406	-	40,154	$	139,724
Fully Insured Health		48	41,034	6,897	141,546	1,733	94,700	17	72,415		145,202
Group disability; life,
annuities and DBL		-	126,840	1,347	49,315	2,618	27,663	-	15,779		49,212
Individual life, annuities
and other		33,353	535,899	209	25,482	23,475	32,022	6,549	13,731		25,479
Corporate		-	-	-	-	540	-	-	7,920		-
	$	33,401	762,802	8,453	356,067	33,356	244,791	6,566	149,999	$	359,617

December 31, 2011
Medical Stop-Loss	$	-	58,741	-	114,478	4,399	75,490	-	39,024	$	114,478
Fully Insured Health		65	32,508	1,471	141,322	1,429	89,040	21	71,147		142,206
Group disability; life,
annuities and DBL		-	265,595	2,565	50,698	9,495	37,946	5,099	15,598		50,871
Individual life, annuities
and other		37,036	545,037	283	29,916	23,492	36,386	6,449	14,879		29,913
Corporate		-	-	-	-	973	-	-	6,454		-
	$	37,101	901,881	4,319	336,414	39,788	238,862	11,569	147,102	$	337,468

December 31, 2010
Medical Stop-Loss	$	-	64,339	-	121,156	4,080	89,968	-	38,808	$	121,156
Fully Insured Health		87	34,540	1,452	120,818	1,454	81,676	28	65,854		120,598
Group disability; life,
annuities and DBL		4,015	249,937	2,336	55,828	9,668	41,440	497	17,389		55,791
Individual life, annuities
and other		39,363	547,527	255	28,344	25,839	38,234	5,718	12,472		28,340
Corporate		-	-	-	-	760	-	-	5,120		-
	$	43,465	896,343	4,043	326,146	41,801	251,318	6,243	139,643	$	325,885

(1) Net investment income is allocated between product lines based on the mean reserve method.

(2) Where possible, direct operating expenses are specifically identified and charged to product lines. Indirect expenses are allocated based on time studies; however, other acceptable methods of allocation might produce different results.

The entire disclosure for required supplementary insurance information giving segment detail in support of various balance sheet and income statement captions. The balance sheet information generally is presented as of the date of each audited balance sheet filed, and the income statement information generally is presented for each period for which an audited income statement is required to be filed. Supplementary insurance information table includes segment name; deferred policy acquisition costs; future policy benefits, losses, claims and loss expenses; unearned premiums; other policy claims and benefits payable; premium revenue; net investment income; benefits, claims, losses and settlement expenses; amortization of deferred policy acquisition costs; other operating expenses; and premiums written.

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