Annuity Investors Life Insurance Company prides itself on being a member of the Insurance Marketplace Standards Association (IMSA). IMSA is a voluntary membership organization whose purpose is to promote high ethical standards by companies selling individual life insurance, annuity and long-term care products. Membership and renewal applications require companies to undergo rigorous assessment of their business practices to ensure continued compliance with IMSA's ethical standards. Being a member of IMSA means that Annuity Investors Life has adopted IMSA's Principles and Codes of Ethical Market Conduct. Through these codes, IMSA encourages member companies to follow specific standards in advertising, sales and service, as well as to develop and implement sound market practices. Annuity Investors Life representatives follow these codes by acting with fairness, integrity and honesty while promoting the highest standards of customer service.

For more information on IMSA and membership principles, please visit the organization's web site at www.imsaethics.org.