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lL~R. -l9' UI I!10~) ld ?i L~IWOFFICES <br />P. GU' <br />2107 Wl~on Baulevertl. Suns 500 <br />Arlington, VA 22201-7062 <br />703 351-x700 <br />Fex: 703 351-1818 <br />Tillin~grhlast -Towers Perrin <br />March 15, 2001 <br />Mr. Mark 5. Allaben, FCAS, MAAA <br />Vice President and Chief Actuary <br />Frontierlnsurance Group <br />195 Lake Louise Marie Road <br />Rock Hill, NY 12775-8000 <br />Dear Mr. Allaben; <br />The enclosed statement of actuarial opinion dated March 15, 2001, relates to loss and <br />loss expense liabilities shown in the statutory property and casualty Annual <br />Statement of the Frontier Insurance Company (FIC) for the year ended December 31, <br />2000. <br />This opinion is rendered for the sole purpose of attachment to the above-described <br />annual statement in accordance with the instructions promulgated by the New York <br />Insurance Department. Publication in any other manner or use for any other purpose <br />is prohibited without our prior written consent. Workpapers supporting our findings <br />are included with our report to you on these reserves. The report contains <br />workpapers, trade secrets and confidential information of FIC, and as such it is not <br />intended to be subject to disclosure requirements under Freedom of Information <br />Acts. <br />Tillinghast-Towers Perrin <br />Ollie L. Sherman, Jr., FCAS, MAAA <br />Encl. <br />FRO]taA0805 <br />