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Business Description
Allmerica Financial Corporation is a non-insurance holding company that provides financial products and services in the United States, as well as in the District of Columbia. The Company conducts its business principally in three operating segments: Property and Casualty, Allmerica Financial Services (AFS) and Asset Management. The Property and Casualty segment underwrites personal and commercial property and casualty insurance coverage. The AFS segment includes the individual financial products and the group retirement products and services businesses of Allmerica Financial Life Insurance and Annuity Company and its wholly owned subsidiary, Financial Life Insurance Company, as well as its broker/dealer and registered investment advisor affiliates. The Asset Management segment includes the businesses of Opus Investment Management, Inc and AMGRO, Inc.

Financial Information
For the nine months ended 9/30/04, revenues fell 5% to $2.34 billion. Net income fell 15% to $62.2 million. Results reflect lower other income, decreased net premium earned in personal lines segment and a negative commercial lines loss due to catastrophes losses.