DFG balance sheet is not healthy, AIG is going to hurt this sector-- we had money in annuities with Reliance-- we cashed out in October--when AIG starts to falter, can have domino effect in this company--- Feds have to add more money to AIG-- this company exposure is ONE TRILLION dollars--would not feel good with any disability policy at this time. Sorry to express our feelings towards this company-- well run, but external factors have much influence!