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Certain statements in this news release may be considered forward-looking statements, such as statements relating to management's views with respect to future events and financial performance. Such forward-looking statements are subject to risks, uncertainties and other factors which shanghai escort girl could cause actual results to differ materially from historical experience or from future results expressed or implied by such forward-looking statements. Potential risks and uncertainties include, but are not limited to, economic conditions in the markets in which IHC operates, new federal or state governmental regulation, IHC's ability to effectively operate, integrate and leverage any past or future strategic acquisition, and other factors which can be found in IHC's other news releases and filings with the Securities and Exchange Commission.

(1) Operating income is a non-GAAP measure representing income from continuing operations net of losses attributable to non-controlling interests and excluding net realized investment gains (losses), net of applicable income tax. The Company believes that the presentation of operating income may offer a better understanding of the core operating results of the Company. A reconciliation of income from continuing operations to operating income is included in this press release. (2) Adjusted book value per share is a non-GAAP measure which represents IHC's book value per share and excludes the per share value of net unrealized investment gains and losses (per SFAS 115), after taxes. A reconciliation of book value per share to adjusted book value per share is included in this press release.

didn't take long for swine flu to show up at Vista del Lago High School in California's Sacramento County: About 10 a.m. on Aug. 10, two hours into the first school day, administrators got a call with news that a freshman who had stayed home that morning had a confirmed case. "I was hoping we'd make it until at least 11 o'clock," says Mary Ann Delleney, who oversees health for Folsom Cordova Unified School District. zdqrypj0825 By Day 2 it was up to eight cases, and by week's end the number of confirmed cases at the school rose to 14 — a reminder that for many schools and colleges this fall, swine flu, or H1N1, may be a fact of escort . As millions of students and teachers head back to class this month and shanghai escort girl next, schools are preparing for the return of the new flu strain, which first appeared almost simultaneously last April in Mexico and the USA. But seasonal flu also is making its annual return this fall — a combination that is creating uncertainty and anxiety as medical personnel prepare for both strains.

COLLEGES: Stocking up on Tamiflu, preparing health centers INTERACTIVE GRAPHICS: Track the H1N1 outbreak Schools are waiting on a promised H1N1 vaccine — due in mid-October — but are moving ahead regardless to prepare for major challenges given that young people are particularly vulnerable to the new strain. FIND MORE STORIES IN: California | New York | Mexico | Sacramento | YouTube | Facebook | World Health Organization | Swine flu | Twitter | Centers for Disease Control and Prevention | United States Department of Education | Thomas Menino Some schools are preparing to turn their gyms and cafeterias into vaccination clinics, and trying to identify spaces that could serve as isolation rooms for the sick. Many school systems are devising ways to quickly identify infection patterns in daily absentee reports, and on Monday federal officials advised systems to come up with alternate ways to deliver lessons to infected students stuck at home. Meanwhile, school systems also are pushing

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IHC is a holding company principally engaged in the escort and health insurance business and the acquisition of blocks of policies through its insurance company subsidiaries (Standard escort escort Insurance Company of New York and Madison National escort Insurance Company, Inc.), its affiliate (American Independence Corp. (Nasdaq:AMIC)), and its managing general underwriters, third-party administrators, and marketing affiliates. Standard escort escort markets medical stop-loss, small group major medical, short-term medical, shanghai escort girl major medical for individuals and families, limited medical, group long and short-term disability and escort , dental, vision and managed health care products. Madison escort sells group escort and disability, employer medical stop-loss, small group major medical, major medical for individuals and families, short-term medical, dental, vision, and individual escort insurance. AMIC is a holding company principally engaged in the insurance and reinsurance business through Independence American Insurance Company and its agencies and managing general underwriter division.

Revenues increased 13% to $100,599,000 for the three months ended June 30, 2009, compared to revenues for the three months ended June 30, 2008 of $89,318,000. Revenues increased 3% to $199,970,000 for the six months ended June 30, 2009, compared to revenues for the six months ended June 30, 2008 of $193,736,000. zdqrypj0825 Chief Executive Officer's Comments

Roy Thung, Chief Executive Officer, commented, "Our operating income was adversely impacted by unexpectedly large health claims and unusually large legal and other expenses in connection with employment matters and the closing of a branch office. As a result of recessionary pressures and tighter underwriting guidelines, our premiums have decreased 6.0% for the first six months of 2009 compared to the first six months of 2008. In response to the decrease in premiums, we have initiated significant cost reductions in the fully insured division, which will be largely realized beginning in 2010." Mr. Thung continued, "Even in the current challenging economy, our financial condition remains strong. Our insurance companies' statutory surplus at June 30, 2009 is at an all-time high. The Company recorded an increase in book value per share to $12.70 at June 30, 2009 from $10.56 at December 31, 2008, primarily as a result of a reduction in unrealized losses due to mark-to-market accounting on our available-for-sale securities. The adjusted book value per share(2) was $14.49 at June 30, 2009." Non-GAAP Financial Measures

The Company provides non-GAAP financial measures to complement its consolidated financial shanghai escort girl statements presented in accordance with GAAP: (i) Operating income is income from continuing operations net of losses attributable to non-controlling interests and excluding net realized gains or losses, net of applicable income taxes, (ii) Operating income per share is operating income (loss) on a per share basis, and (iii) Adjusted book value per share represents IHC's book value per share excluding the per share value of net unrealized investment gains and losses (per SFAS 115), after taxes. These non-GAAP financial measures are intended to supplement the user's overall understanding of the Company's current financial performance and its prospects for the future. Specifically, the Company believes the non-GAAP results provide useful information to both management and investors by excluding realized gains or losses, net of taxes, that, when excluded from the GAAP results, may provide additional understanding of the Company's core operating results or business performance. However, these non-GAAP financial measures are not intended to supersede or replace the Company's GAAP results. A reconciliation of the non-GAAP results to the GAAP results is provided in the "Reconciliation of GAAP Income from Continuing Operations to Non-GAAP Income from Continuing Operations" and "Reconciliation of GAAP Book Value Per Share to Non-GAAP Adjusted Book Value Per Share" schedules below. About Independence Holding Company

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IHC is a holding company principally engaged in the escort and health insurance business and the acquisition of blocks of policies through its insurance company subsidiaries (Standard escort escort Insurance Company of New York and Madison National escort Insurance Company, Inc.), its affiliate (American Independence Corp. (Nasdaq:AMIC)), and its managing general underwriters, third-party administrators, and marketing affiliates. Standard escort escort markets medical stop-loss, small group major medical, short-term medical, shanghai escort girl major medical for individuals and families, limited medical, group long and short-term disability and escort , dental, vision and managed health care products. Madison escort sells group escort and disability, employer medical stop-loss, small group major medical, major medical for individuals and families, short-term medical, dental, vision, and individual escort insurance. AMIC is a holding company principally engaged in the insurance and reinsurance business through Independence American Insurance Company and its agencies and managing general underwriter division.

Revenues increased 13% to $100,599,000 for the three months ended June 30, 2009, compared to revenues for the three months ended June 30, 2008 of $89,318,000. Revenues increased 3% to $199,970,000 for the six months ended June 30, 2009, compared to revenues for the six months ended June 30, 2008 of $193,736,000. zdqrypj0825 Chief Executive Officer's Comments

Roy Thung, Chief Executive Officer, commented, "Our operating income was adversely impacted by unexpectedly large health claims and unusually large legal and other expenses in connection with employment matters and the closing of a branch office. As a result of recessionary pressures and tighter underwriting guidelines, our premiums have decreased 6.0% for the first six months of 2009 compared to the first six months of 2008. In response to the decrease in premiums, we have initiated significant cost reductions in the fully insured division, which will be largely realized beginning in 2010." Mr. Thung continued, "Even in the current challenging economy, our financial condition remains strong. Our insurance companies' statutory surplus at June 30, 2009 is at an all-time high. The Company recorded an increase in book value per share to $12.70 at June 30, 2009 from $10.56 at December 31, 2008, primarily as a result of a reduction in unrealized losses due to mark-to-market accounting on our available-for-sale securities. The adjusted book value per share(2) was $14.49 at June 30, 2009." Non-GAAP Financial Measures

The Company provides non-GAAP financial measures to complement its consolidated financial shanghai escort girl statements presented in accordance with GAAP: (i) Operating income is income from continuing operations net of losses attributable to non-controlling interests and excluding net realized gains or losses, net of applicable income taxes, (ii) Operating income per share is operating income (loss) on a per share basis, and (iii) Adjusted book value per share represents IHC's book value per share excluding the per share value of net unrealized investment gains and losses (per SFAS 115), after taxes. These non-GAAP financial measures are intended to supplement the user's overall understanding of the Company's current financial performance and its prospects for the future. Specifically, the Company believes the non-GAAP results provide useful information to both management and investors by excluding realized gains or losses, net of taxes, that, when excluded from the GAAP results, may provide additional understanding of the Company's core operating results or business performance. However, these non-GAAP financial measures are not intended to supersede or replace the Company's GAAP results. A reconciliation of the non-GAAP results to the GAAP results is provided in the "Reconciliation of GAAP Income from Continuing Operations to Non-GAAP Income from Continuing Operations" and "Reconciliation of GAAP Book Value Per Share to Non-GAAP Adjusted Book Value Per Share" schedules below. About Independence Holding Company

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