The Standard is a marketing name for StanCorp Financial Group, Inc. and subsidiaries. Insurance products are offered by Standard Insurance Company of Portland, Oregon in all states except New York, where insurance products are offered by The Standard Life Insurance Company of New York of White Plains, N.Y. Investment services are offered through StanCorp Investment Advisers of Portland, Oregon. Product features and availability vary by state and company.

The Standard Today

For more than 100 years Standard Insurance Company has helped people

achieve financial security so they can confidently pursue their dreams.

Over 8 million people across the country depend on The Standard for

financial products and services. But even more than our products, it is

our recognized expertise, strength and singular focus on our

customers that inspire confidence. At The Standard, we

offer a different way of doing things and take pride in

doing what it takes to earn your business.

Our most important promise

is the one we make to our

customers — to be there when

they need us. Behind this

promise is the strength that

stems from our disciplined

financial practices and the

stability that results from our

long-term outlook. Prudent

management allows us to

weather economic uncertainty

and ensures that we continue

keeping our financial

commitment.

Financial Strength Ratings Standard Insurance Company

A.M. Best A

“Excellent” (3rd of 13 rankings)

Standard & Poor’s AA-

“Very Strong” (4th of 20 rankings)

Moody’s A1 “Good” (5th of 21 rankings)

As of October 31, 2008

Mission Statement

The people of StanCorp

Financial Group exceed

customers’ needs for financial

products and services in

growing markets where the

application of specialized

expertise creates potential for

superior shareholder returns.

Purpose

To help people achieve

financial security so they

can confidently pursue

their dreams.

9037 (10/08)

Eric E. Parsons Chairman and Chief Executive Officer

The Standard is licensed in 49 states,

the District of Columbia and the United

States Territories of Guam and the Virgin

Islands. And with nearly 3,000 employees

in the Portland, Oregon headquarters and

local offices across the nation, we deliver

responsive, professional service to each of

our policyowners and representatives. We do

everything we can to make sure you’re satisfied,

whether that means doing the unexpected or

just being there for you to talk to. We enjoy

surprising people by being a company that is

never satisfied with “good enough.”

Standard Insurance Company is the flagship

subsidiary of StanCorp Financial Group, Inc.,

which is listed and traded under the symbol

“SFG” on the New York Stock Exchange.

Clippers dangled from the wooden fence next to the roses — an invitation

to passersby to take some flowers with them. Leo Samuel, the

homeowner, wanted everyone to enjoy the roses he grew. It’s why he cultivated

them next to his sidewalk.

Soon, neighbors followed his example, growing their roses, not in

backyards, but where pedestrians could appreciate them and snip a few. The

welcoming idea spread across the block and eventually across the city.

Some say it was Leo who earned Portland its nickname: The Rose City. And yes, Portlanders still like to plant

their roses by the sidewalks.

Product Offerings

Insurance

Group Disability Insurance

Group Life Insurance

Group Dental Insurance

Individual Disability Insurance

Asset Management

Retirement Plans

Individual Annuities

Commercial Mortgage Loans

Investment Advice

The Standard Yesterday

Constructed in 1963, The Standard Plaza is one of three buildings occupied by StanCorp in Portland, Oregon’s financial district.

StanCorp Financial Group

Assets $14.98 billion

Fixed Maturity Securities 57.2% of Invested Assets A or Higher 72.5% BBB/Baa 23.4% BB/Ba 2.4% B or Lower 1.7%

Commercial Mortgage Loans 41.9% of Invested Assets 60-Day Delinquencies 0.05%

Other 0.9% of Invested Assets

Portfolio Yields Fixed Maturity Securities 5.57% Commercial Mortgage Loans 6.36%

As of December 31, 2007

1906 Oregon Life Insurance Company

Leo Samuel and his associates began competing against Eastern insurance giants with Oregon Life Insurance Company. Seeing an opportunity to build the local economy and his neighbors’ financial security, Samuel shaped a company dedicated to financial strength, excellence and growth.

1929 Oregon Mutual Life Insurance Company

With a name change and some reorganization, Oregon Mutual Life Insurance Company became the first mutual insurance company in the Northwest. In the early 1930s, the company began enhancing policyowners’ financial security by offering a guaranteed income for life with immediate annuities. The company’s continued financial strength and solid asset management allowed the annuity line to play a prominent role in growth and expansion through the years.

1946 Standard Insurance Company

As operations continued to expand nationally, the company changed its name to Standard Insurance Company. Growth continued through these decades with the introduction of new products and the entrance into new markets. Changes over these years never lost sight of the company’s commitment to quality service and financial strength.

1999 StanCorp Financial Group, Inc.

StanCorp Financial Group, Inc. was formed as parent to Standard Insurance Company and several other financial subsidiaries, changing from a mutual life insurance company to a publicly traded company. This parent company is now listed and traded under the

ticker symbol “SFG” on the New York Stock Exchange. Since going public, the company has seen stable growth and continued annuity sales.

Now The Standard

The Standard is known for conducting business with expertise, commitment, integrity and an unwavering focus on service. Entering its second century, this remains our commitment to all customers. The Standard continues working to earn your trust every day.

Leo Samuel Founder