RBC Insurance is a member of RBC Financial Group (RBC), comprised of Royal Bank of Canada (TSX, NYSE: RY) and its subsidiaries. Over 69,000 RBC employees serve more than 14 million personal, business and public sector clients in more than 30 countries worldwide. RBC Insurance, through its legal entities, provides a wide range of insurance protection and wealth management
solutions to more than five million North American clients. The largest Canadian bank-owned insurance organization, RBC Insurance is the leading provider of creditor, individual living benefits and travel insurance in Canada and ranks sixth in new life insurance premium.

RBC Insurance in the United States
Headquartered in Greenville, S.C., RBC Insurance offers life insurance, annuities and travel insurance through its legal entities, which includes Liberty Life Insurance Company and The Liberty Marketing Corporation. Liberty Life ranks 77th in total life insurance issued in A.M. Best's 2004 ranking of top U.S. life insurers.

Liberty Life Insurance Company
Liberty Life Insurance Company provides a wide and diversified ranged of insurance protection and wealth accumulation products including life and health insurance, annuities and related personal financial security products to consumers through regional and independent broker dealers, national marketing organizations, RBC banking and investment channels, the Internet, other direct marketing channels and a field force of approximately 300 full-time career agents.

The Liberty Marketing Corporation
As the agency for the US travel insurance division of RBC Insurance, The Liberty Marketing Corporation¹ distributes comprehensive trip cancellation and interruption products as well as emergency medical and travel assistance services through travel agents under the brand name RBC Travel Protection^TM.

Insurance Ratings
Liberty Life Insurance Company is rated A (Excellent) by A.M. Best Company.

Financial Strength and Stability You Can Trust

RBC Financial Group:
	US$397.9 billion in assets as of October 31, 2005.*
	Ranked 44th largest corporation globally in total assets by Forbes Magazine, March, 2005.
	In business more than 130 years and providing insurance solutions for nearly a century.
	Among North America's most trusted companies and named "most respected corporation in Canada" for 2005 in KPMG/Ipsos-Reid's annual survey.
	Recognized as "one of the world's most eminent institutions" by Global Finance Media Inc., an international publisher of financial data.
*Value converted from Candian dollars at the current exchange rate as of October 31, 2005.

RBC Insurance in the United States**:
	Assets: $3.75 billion
	Liabilities: $3.47 billion
	Capital & Surplus: $274.9 million
**Consolidated results as of December 31, 2005.

^TM Trademark of Royal Bank of Canada.

¹The Liberty Marketing Corporation is an agent and administrator for RBC Travel Protection, travel insurance underwritten by American Bankers Insurance Company of Florida in all states where approved except MN and by American Security Insurance Company in the state of MN.

The Liberty Marketing Corporation is doing business as:

LMC Insurance Marketing Corporation in CA
LMC Marketing Corporation in CO, MA, & MN
LMC Agency in TX

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