Environmental Analysis

Background

Reliance Standard Life Insurance Company (RSLI) is a leading insurance carrier specializing in

innovative and flexible employee benefits solutions including disability income and group term life insurance,

a suite of voluntary (employee paid) coverage options and fully integrated absence management. Reliance

Standard markets these solutions through independent brokers and agents to employers of all sizes.

Reliance Standard Life Insurance Company provides insurance products and services in all states except

in the District of Columbia, Puerto Rico and the U.S. Virgin Islands.

Reliance Standard Life Insurance Company is a wholly owned subsidiary of Delphi Financial

Group, Inc. Delphi is an integrated employee benefit services company and a leader in managing all

aspects of employee absence to enhance the productivity of its clients and provides the related insurance

coverages: group life, long-term and short-term disability, excess workers' compensation for self-insured

employers, travel accident and dental. Delphi's asset accumulation business emphasizes individual fixed

annuity products. Delphi's common stock is listed on the New York Stock Exchange under the symbol DFG.

Remote Environment

     In order for an insurance company to gain or maintain a sustainable competitive advantage, it must

be vigilant by watching for changes in the business environment. It must also be agile enough to alter its

strategies and plans when the need arises.

There are fundamental questions that all businesses must ask themselves to play a pro-active role

in the competitive environment. RSLI must be able to envision the opportu ...
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