Delaware		063-0838024
(State of Other Jurisdiction of Incorporation or Organization)		(IRS Employer Identification No.)

Class		Outstanding June 30, 2002
Common Stock, $1.00 par value		78,923,773 shares

				Page No.
Part I.		Financial Information (Consolidated Unaudited)
Item1.		Financial Statements
		Balance Sheets—June 30, 2002 and December 31, 2001		3
		Statements of Income, Six Months and Three Months ended June 30, 2002 and 2001		4
		Statements of Comprehensive Income, Six Months and Three Months ended June 30, 2002 and 2001		5
		Statements of Cash Flows, Six Months ended June 30, 2002 and 2001		6
		Notes to Financial Statements		7
		Independent Auditors’ Review Report		14
Item 2.		Management’s Discussion and Analysis of Financial Condition and Results of Operations		15
Item 3.		Market Risk Disclosures		26
Part II.		Other Information
Item 1.		Legal Proceedings		27
Item 6.		Exhibits and Reports on Form 8-K		28

		June 30, 2002				December 31, 2001
		(Unaudited)
ASSETS
Investments:
Fixed Maturities Held for Investment, at amortized cost (fair value $413,309 in 2002 and $477,422 in 2001)		$	379,496			$	441,740
Fixed Maturities Available for Sale, at fair value (amortized cost $1,070,033,212 in 2002 and $932,488,619 in 2001)			1,115,644,847				960,415,249
Equity Securities, at fair value (cost $54,072,981 in 2002 and $46,889,245 in 2001)			63,152,394				74,664,030
Mortgage Loans on Real Estate			53,500				109,556
Investment Real Estate (net of accumulated depreciation of $1,521,345 in 2002 and $1,444,946 in 2001)			2,653,865				2,712,165
Policy Loans			51,167,571				49,945,528
Collateral Loans			103,016,217				88,561,085
Other Long-term Investments			166,652,726				164,056,234
Short-term Investments			77,875,012				150,255,275
Total Investments			1,580,595,628				1,491,160,862
Cash			2,897,695				10,224,827
Accrued Investment Income			15,982,625				14,140,097
Accounts Receivable			16,854,591				19,843,577
Reinsurance Balances Receivable			2,111,800				3,166,591
Due from Affiliates			2,824,714				2,670,993
Deferred Policy Acquisition Costs			156,639,323				149,820,302
Other Assets			13,488,172				6,577,215
Total Assets		$	1,791,394,548			$	1,697,604,464
LIABILITIES
Policy Liabilities and Accruals—Property and Casualty Insurance		$	149,781,555			$	140,174,162
Policy Liabilities and Accruals—Life Insurance			599,722,477				558,043,631
Unearned Premiums			150,510,747				138,384,495
Dividends to Policyholders			10,260,899				10,195,930
Premium Deposit and Retirement Deposit Funds			6,054,340				5,472,522
Deferred Income Taxes			39,089,921				41,312,681
Other Liabilities			82,732,804				76,295,259
Due to Affiliates			16,031,128				16,146,574
Commercial Paper			98,526,786				165,415,905
Notes Payable			70,000,000				—
Notes Payable to Affiliates			34,822,898				37,051,467
Total Liabilities			1,257,533,555				1,188,492,626
Commitments and Contingencies
Stockholders’ Equity
Preferred Stock, $1 par value Shares authorized: 1,000,000 Issued: None
Common Stock, $1 par value Shares authorized: 110,000,000 Issued: 83,783,024, Outstanding: 2002—78,923,773; 2001—78,359,356			83,783,024				41,891,512
Capital in Excess of Par Value			—				26,436,168
Accumulated Other Comprehensive Income			30,290,261				33,996,936
Retained Earnings			458,609,440				446,032,558
Treasury Stock: at cost (2002—4,859,251 shares; 2001—5,423,668 shares)			(38,821,732	)			(39,245,336	)
Total Stockholders’ Equity			533,860,993				509,111,838
Total Liabilities and Stockholders’ Equity		$	1,791,394,548			$	1,697,604,464

		Six Months Ended June 30,							Three Months Ended June 30,
		2002			2001				2002			2001
Revenues
Premiums—Property and Casualty Insurance		$	209,411,645		$	195,227,850			$	106,020,678		$	98,322,672
Premiums and Policy Charges—Life Insurance			31,662,826			28,652,937				15,552,797			13,653,961
Net Investment Income			43,995,886			39,576,356				21,883,051			20,413,633
Realized Investment Gains (Losses)			1,209,549			1,151,135				303,324			104,851
Other Income			1,135,393			1,448,140				928,307			629,396
Total Revenues			287,415,299			266,056,418				144,688,157			133,124,513
Benefits and Expenses
Benefits & Settlement Expenses			170,200,308			154,843,981				88,007,273			75,016,990
Dividends to Policyholders			1,885,785			1,904,250				897,831			903,510
Amortization of Deferred Policy Acquisition Costs			38,573,426			36,713,343				20,056,070			18,471,126
Other Operating Expenses			29,957,604			27,761,170				14,092,139			14,126,539
Total Expenses			240,617,123			221,222,744				123,053,313			108,518,165
Income Before Provision for Income Taxes			46,798,176			44,833,674				21,634,844			24,606,348
Provision for Income Taxes			12,798,690			12,827,157				6,103,504			7,192,289
Net Income Before Cumulative Effect of Change in Accounting Principle, Net of Tax Benefit			33,999,486			32,006,517				15,531,340			17,414,059
Cumulative Effect of Change in Accounting Principle, Net of Income Tax Benefit of $139,344 in 2001			0			(258,781	)			0			0
Net Income		$	33,999,486		$	31,747,736			$	15,531,340		$	17,414,059
Operating Income		$	33,213,279		$	31,258,279			$	15,334,179		$	17,345,906
Earnings Per Share:
Operating Income
—Basic		$	0.42		$	0.40			$	0.19		$	0.22
—Diluted		$	0.42		$	0.40			$	0.19		$	0.22
Net Income Before Cumulative Effect of Change in Accounting Principle, Net of Tax Benefit
—Basic		$	0.43		$	0.41			$	0.20		$	0.22
—Diluted		$	0.43		$	0.41			$	0.20		$	0.22
Cumulative Effect of Change in Accounting Principle, Net of Tax Benefit
—Basic		$	0.00		$	0.00			$	0.00		$	0.00
—Diluted		$	0.00		$	0.00			$	0.00		$	0.00
Net Income
—Basic		$	0.43		$	0.41			$	0.20		$	0.22
—Diluted		$	0.43		$	0.40			$	0.20		$	0.22
Average Shares Outstanding
—Basic			78,607,284			78,320,404				78,771,794			78,332,642
—Diluted			79,432,866			78,902,268				79,605,279			78,961,380