CNO is the 4-billion-dollar insurance company better known by its subsidiaries _ Bankers Life and Casualty, Washington National, Colonial Penn, and 40|86 Advisors. Together, we serve the basic insurance needs of the fast-growing, but under-served middle market and provide our customers with financial security for their life, health, and retirement needs. Our corporate offices are located in Carmel, Ind.; Chicago; and Philadelphia. We were incorporated in 1979 and began operations in 1982. In 1985, we became Conseco, Inc., a publicly-traded company, and in 2010, we changed our name to CNO Financial Group, Inc. Today, we serve more than 4 million middle-income working Americans and retirees. We fill a unique niche, offering long-term care, life and supplemental health insurance, and annuity products to middle-income, retirement-aged Americans. And with a target market of more than 50 million households across America, weÍre poised for remarkable growth. How our insurance companies distribute their products: Washington National Insurance Company distributes to customers at home and at the worksite through independent insurance agents and its Performance Matters Associates marketing arm. Bankers Life and Casualty Company distributes through career Bankers insurance agents. Colonial Penn Life Insurance Company distributes direct to customers via television, internet and direct mail.