Through September 30, written premium for our Group (not including affiliate Michigan Millers) is at $599.1 million – which puts us in a good spot for the rest of the year. Our loss ratio is 52.2% (vs. goal of 54.4%), our loss adjustment expense ratio is 10.0% (vs. goal of 10.4%), and our underwriting expense ratio is 28.8% (vs. goal of 29.5%) — adding up to a combined ratio of 91.0%. We’re in a promising position to make our annual financial goals, but we still need to keep up the hard work and partnership to reach the finish line.

Thanksgiving is this week, and I want to take a moment to say “thank you” to you, our agency partner. 2021 has been another year overshadowed by the pandemic. While it has been better than 2020 for most of us, the year has brought its fair share of challenges. At Western National, there have also been encouraging successes. We were once again named to the Ward’s 50 list, maintained our A+ A.M. Best financial rating, and we were named a Top Workplace in Minnesota. Through it all, you have continued to partner with us to serve our mutual policyholders, and I sincerely appreciate it. We look forward to our continued partnership.