The group's principal activities are to provide individual whole life, universal life and term insurance plans, endowments and annuities, including standard supplementary riders. annuities sold include flexible premium deferred annuities, single premium deferred annuities and single premium immediate annuities. the other operations of the group include small real estate, nursing home and other investments through wholly owned subsidiaries. insurance products are issued primarily to residents of countries in central and south america, the caribbean and the pacific rim. the group operates in forty-six states, the district of columbia and four u.s. territories or possessions. premiums earned accounted for 5% of 2001 revenues; Net investment income, 77% and other income, 18%.