United Fire Group (UFCS) 2004年年度报告「NASDAQ」.pdf

1、The 2004 annual stockholders meeting will be held on May 18,2005,at 10 a.m.in the Companys home office building in Cedar Rapids,Iowa.The usual noticesand proxy material will be mailed to stockholders in advance of the meeting.Our 2004 Form 10-K is included in this Annual Report.An additional copy is

2、 filedwith the Securities and Exchange Commission and is available to stockholdersupon request to:Corporate SecretaryUnited Fire&Casualty Company118 Second Avenue SEP.O.Box 73909Cedar Rapids,Iowa 52407-3909Telephone:319-399-5700Registrar and Transfer AgentComputershare Investor Services2 North LaSal

3、le Street Chicago,Illinois 60602orCompany Profile .1Financial Performance .3The Chairmans Report.4“Behind the Scenes”.7Form 10-K.15Annual MeetingTable of Contents1Company ProfileUnited Fire Group operates property and casualty and life insurance busi-nesses,marketing its products through independent

4、 agents.Although it maintains a broad geographic presence that includes most of the UnitedStates,more than half of its property and casualty premiums and more thantwo-thirds of its life insurance premiums are written in five states.Throughout its nearly 60 years of existence,the company has emphasiz

5、edwriting good business at an adequate price,preferring quality to volume.Itsgoal of consistent profitability is served by these business strategies:Disciplined,experienced underwritingLong-term emphasis on core property and casualty commercial linesUnderstanding local marketsMarket focus on small t

6、o midsized companiesStrong agency relationshipsCommitment to technology,including online servicesTalented,resourceful and well-trained employeesSuperior customer serviceThe company takes a conservative approach to the management of invest-ments and earns strong financial strength ratings from both A