Delta Dental of California, Delta Dental of Pennsylvania, Delta Dental Insurance Company, and their affiliated companies, and Delta Dental of New York – all remain financially stable and in good position to weather the current economic environment.

Here is why:

Our Finances

• Our current aggregated reserves - nearly $390 million - are more than adequate to meet our policyholder obligations and exceeds all regulatory guidelines.
• The majority of our reserves are invested in AAA rated fixed securities (bonds) with no exposure to sub-prime mortgages.
• Our A.M. Best rating currently is B++ (good).
• We are not highly leveraged and do not have many substantial long-term debt obligations to repay.

Our Customers

• We expect to renew the vast majority of our existing customers (more than 98%);
• We continue to acquire substantial new business;
• We added two million subscribers over the last two years, bringing us to 25 million enrollees.

Our Future

To help us continue and build upon our competitive advantages, we are making significant investments in new claims processing and customer service technology and systems that will allow us to:

• Streamline our administration;
• Reduce our costs;
• Improve services to our groups, dentists and enrollees.