UNITED STATES SECURITIES AND EXCHANGE COMMISSION
                             WASHINGTON, D.C. 20549

                                 ---------------
                                    FORM 10-Q
                                 ---------------

          [X] QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
                         SECURITIES EXCHANGE ACT OF 1934


                  For the quarterly period ended March 30, 2002
                                                 --------------


                                       OR


          [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE
                         SECURITIES EXCHANGE ACT OF 1934


                For the transition period from ________to________



                                -----------------

                         Commission file number 0-27394

                                -----------------


                     GE Global Insurance Holding Corporation
              ----------------------------------------------------
             (Exact name of registrant as specified in its charter)


             Delaware                                        95-3435367
   (State or other jurisdiction of                        (I.R.S. Employer
    incorporation or organization)                       Identification No.)

  5200 Metcalf, Overland Park, Kansas                           66202
(Address of principal executive offices)                      (Zip Code)

                                 (913) 676-5200
              (Registrant's telephone number, including area code)

                              --------------------

Indicate by check mark whether the registrant (1) has filed all reports required
to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during
the  preceding 12 months (or for such  shorter  period that the  registrant  was
required  to file  such  reports),  and  (2) has  been  subject  to such  filing
requirements for the past 90 days. Yes [X] No[ ]

At May 13,  2002,  1,000  shares of common  stock with a par value of $5,000 per
share were outstanding.

REGISTRANT MEETS THE CONDITIONS SET FORTH IN GENERAL INSTRUCTION H(1)(a) AND (b)
OF FORM 10-Q AND IS THEREFORE FILING THIS FORM 10-Q WITH THE REDUCED  DISCLOSURE
FORMAT.


<PAGE>
<TABLE>
<CAPTION>






                                                             TABLE OF CONTENTS

                                                                                                                               Page
                                                                                                                               ----
<S>                                                                                                                             <C>
    PART I - FINANCIAL INFORMATION.

    Item 1.                 Financial Statements..........................................................................       1

    Item 2.                 Management's Discussion and Analysis of Results of Operations.................................       7

    Exhibit 12.             Computation of Ratio of Earnings to Fixed Charges.............................................       9


    PART II - OTHER INFORMATION.

    Item 6.                 Exhibits and Reports on Form 8-K..............................................................      10

    Signatures.             ..............................................................................................      11

    Index to Exhibits.      ..............................................................................................      12
</TABLE>




<PAGE>

                         PART I - FINANCIAL INFORMATION

Item 1.  Financial Statements.

<TABLE>
<CAPTION>
                     GE GLOBAL INSURANCE HOLDING CORPORATION
                                AND SUBSIDIARIES

       Condensed, Consolidated Statement of Current and Retained Earnings

                                   (Unaudited)

                                                                                        Three months ended
                                                                                -----------------------------------
(In millions)                                                                   March 30, 2002       March 31, 2001
                                                                                --------------       --------------
<S>                                                                                <C>                   <C>
Revenues
Net premiums written                                                               $2,119                $2,102
                                                                                   ======                ======

Net premiums earned                                                                $1,991                $2,011
Net investment income                                                                 271                   316
Net realized gains on investments                                                      40                    64
Other revenues                                                                         55                    46
                                                                                   ------                ------
Total revenues                                                                      2,357                 2,437
                                                                                   ------                ------

Costs and Expenses
Claims, claim expenses and policy benefits                                          1,614                 1,618
Insurance acquisition costs                                                           430                   488
Other operating costs and expenses                                                    180                   204
Minority interest in net earnings of
   consolidated subsidiaries                                                           22                    22
                                                                                   ------                ------
Total costs and expenses                                                            2,246                 2,332
                                                                                   ------                ------

Earnings
Earnings before income taxes and cumulative effect of
     change in accounting principle                                                   111                   105
Provision for income taxes                                                             26                    23
                                                                                   ------                ------

Earnings before cumulative effect of change in
     accounting principle                                                              85                    82

Cumulative effect of change in accounting principle                                     -                   (11)
                                                                                   ------                ------

Net earnings                                                                           85                    71
Dividends on preferred stock                                                           (2)                   (2)
Retained earnings at beginning of period                                            5,002                 5,204
                                                                                   ------                ------

Retained earnings at end of period                                                 $5,085                $5,273
                                                                                   ======                ======
</TABLE>

See Notes to Condensed, Consolidated Financial Statements.


                                       1

<PAGE>



Item 1.  Financial Statements (Continued).

<TABLE>
<CAPTION>

                     GE GLOBAL INSURANCE HOLDING CORPORATION
                                AND SUBSIDIARIES

             Condensed, Consolidated Statement of Financial Position


(In millions)                                                                   March 30, 2002         December 31, 2001
                                                                                --------------         -----------------
                                                                                 (Unaudited)
<S>                                                                                <C>                       <C>
Assets
Investments:
  Fixed maturity securities, at fair value                                         $19,604                   $19,769
  Equity securities, at fair value                                                     586                       641
  Other invested assets                                                              2,111                     2,085
                                                                                   -------                   -------
  Total investments                                                                 22,301                    22,495

Cash                                                                                   992                       470
Premiums receivable                                                                  4,413                     4,376
Other receivables                                                                    1,412                     1,402
Reinsurance recoverables                                                            10,265                    10,367
Deferred insurance acquisition costs                                                 1,664                     1,615
Other assets                                                                         4,211                     4,393
                                                                                   -------                   -------

Total assets                                                                       $45,258                   $45,118
                                                                                   =======                   =======


Liabilities and equity
Claims and claim expenses                                                          $21,536                   $22,033
Accumulated contract values                                                          2,886                     2,909
Future policy benefits for life and health contracts                                 3,019                     2,965
Unearned premiums                                                                    2,938                     2,763
Other reinsurance balances                                                           3,168                     2,935
Other liabilities                                                                    2,537                     2,313
Long-term borrowings                                                                 1,655                     1,655
                                                                                   -------                   -------
  Total liabilities                                                                 37,739                    37,573
                                                                                   -------                   -------

Minority interest in equity of consolidated subsidiaries                             1,183                     1,183
                                                                                   -------                   -------

Accumulated non-owner changes in equity:
  Accumulated unrealized gains (losses) on investment securities - net                 (86)                       23
  Accumulated foreign currency translation adjustments                                (246)                     (241)
  Derivatives qualifying as hedges                                                       3                        (2)
                                                                                   -------                   -------
      Total accumulated non-owner changes in equity                                   (329)                     (220)

Preferred stock                                                                        150                       150
Common stock                                                                             5                         5
Paid-in capital                                                                      1,425                     1,425
Retained earnings                                                                    5,085                     5,002
                                                                                   -------                   -------
  Total stockholder's equity                                                         6,336                     6,362
                                                                                   -------                   -------

Total liabilities and equity                                                       $45,258                   $45,118
                                                                                   =======                   =======

</TABLE>

See Notes to Condensed, Consolidated Financial Statements.

                                       2
<PAGE>





Item 1.  Financial Statements (Continued).
<TABLE>
<CAPTION>


                     GE GLOBAL INSURANCE HOLDING CORPORATION
                                AND SUBSIDIARIES

                 Condensed, Consolidated Statement of Cash Flows

                                   (Unaudited)

                                                                               Three months ended
                                                                     --------------------------------------
(In millions)                                                        March 30, 2002          March 31, 2001
                                                                     --------------          --------------
<S>                                                                     <C>                     <C>

Cash from (used for) operating activities                               $   281                 $  (431)
                                                                        -------                 -------

Cash Flows From Investing Activities
Fixed maturity securities:
  Purchases                                                              (3,413)                 (3,372)
  Sales                                                                   2,759                   3,301
  Maturities                                                                556                     244
Equity securities:
  Purchases                                                                (199)                    (57)
  Sales                                                                     282                      31
Net sales of short-term investments                                          29                     197
Other investing activities                                                  (85)                      8
                                                                        -------                 -------
  Cash from (used for) investing activities                                 (71)                    352
                                                                        -------                 -------

Cash Flows From Financing Activities
Change in contract deposits                                                  15                     (13)
Net contract accumulation receipts (payments)                               (23)                     13
Proceeds from short-term borrowings                                         141                      42
Principal payments on short-term borrowings                                 (20)                     (4)
Dividends paid                                                               (2)                     (2)
                                                                        -------                 -------
  Cash from financing activities                                            111                      36
                                                                        -------                 -------

Effect of exchange rate changes on cash                                     201                     189
                                                                        -------                 -------

Increase in cash                                                            522                     146
Cash at beginning of period                                                 470                     196
                                                                        -------                 -------
Cash at end of period                                                   $   992                 $   342
                                                                        =======                 =======

</TABLE>


See Notes to Condensed, Consolidated Financial Statements.


                                       3
<PAGE>


Item 1.  Financial Statements (Continued).


                     GE GLOBAL INSURANCE HOLDING CORPORATION
                                AND SUBSIDIARIES

              Notes to Condensed, Consolidated Financial Statements

                                   (Unaudited)

1.   The  accompanying  condensed,  consolidated quarterly  financial statements
     of GE Global Insurance Holding  Corporation ("GE Global Insurance") include
     the accounts and operations, after intercompany eliminations,  of GE Global
     Insurance  and  its  wholly-owned   subsidiaries,   Employers   Reinsurance
     Corporation, GE Reinsurance Corporation and Medical Protective Corporation.
     GE Global  Insurance and its  consolidated  subsidiaries  are  collectively
     referred to as "the Company."

2.   The   condensed,   consolidated   quarterly    financial   statements   are
     unaudited.  These statements include all adjustments  (consisting of normal
     recurring  accruals)  considered  necessary by management to present a fair
     statement of the results of operations,  financial position and cash flows.
     The results reported in these condensed,  consolidated  quarterly financial
     statements should not be regarded as necessarily indicative of results that
     may be expected for the entire year.

3.   The  Financial  Accounting  Standards   Board's   ("FASB")   Statement   of
     Financial  Accounting Standards ("SFAS") 142, Goodwill and Other Intangible
     Assets,  generally  became  effective  on January 1, 2002.  Under SFAS 142,
     goodwill is no longer  amortized but is tested for impairment  using a fair
     value methodology.

     The  Company  ceased  amortizing   goodwill   effective  January  1,  2002.
     Simultaneously,  to  maintain a  consistent  basis for its  measurement  of
     performance,  management revised previously-reported segment information to
     correspond  to the  earnings  measurements  by  which  businesses  will  be
     evaluated.  In  accordance  with the  requirements  of SFAS 131,  Reporting
     Segments of a Business  Enterprise,  previously  reported  segment  results
     (presented  in footnote 6) have been  restated to be  consistent  with 2002
     reporting.  Goodwill  amortization expense for the three months ended March
     31, 2001, was $22 million ($18 million  after-tax).  The effect on earnings
     of excluding such goodwill amortization expense from the first three months
     of 2001 follows:
<TABLE>
<CAPTION>


       (In millions)                                                          Three months ended
                                                                      ----------------------------------
                                                                      March 30, 2002      March 31, 2001
                                                                      --------------      --------------
<S>                                                                         <C>                <C>
       Earnings before accounting changes                                   $85                $ 82
                                                                            ---                ----

       Earnings before accounting changes, excluding 2001
          goodwill amortization                                             $85                $100
                                                                            ---                ----

       Net earnings                                                         $85                $ 71
                                                                            ---                ----

       Net earnings, excluding 2001 goodwill amortization                   $85                $ 89
                                                                            ---                ----
</TABLE>


     Under SFAS 142, the Company was required to test all existing  goodwill for
     impairment as of January 1, 2002, on a "reporting  unit" basis. A reporting
     unit is the operating  segment  unless,  at businesses one level below that
     operating segment (the "component" level),  discrete financial  information
     is  prepared  and  regularly  reviewed  by  management,  in which case such
     component  is the  reporting  unit.  SFAS  142  requires  that  two or more
     component-level reporting units with similar  economic  characteristics  be
     combined into a single reporting unit.



                                       4
<PAGE>


Item 1. Financial Statements (Continued).


                     GE GLOBAL INSURANCE HOLDING CORPORATION
                                AND SUBSIDIARIES

        Notes to Condensed, Consolidated Financial Statements (Continued)

3.   (continued)

     A fair  value  approach  is  used  to  test  goodwill  for  impairment.  An
     impairment  charge  is  recognized  for the  amount,  if any,  by which the
     carrying amount of goodwill exceeds its implied fair value.  Fair values of
     reporting  units and the related  implied  fair values of their  respective
     goodwill were established  using discounted cash flows.  When available and
     as  appropriate,  comparative  market  multiples  were used to  corroborate
     results of the discounted cash flows.

     The result of testing  goodwill of the Company for impairment in accordance
     with SFAS 142, as of January 1, 2002, resulted in no impairment charge.
<TABLE>
<CAPTION>


                                                        At March 30, 2002                      At December 31, 2001
                                                --------------------------------        ---------------------------------
     (In millions)                              Gross Carrying      Accumulated         Gross Carrying        Accumulated
                                                   Amount           Amortization            Amount            Amortization
                                                --------------      ------------        --------------        ------------
<S>                                  <C>             <C>               <C>                    <C>                <C>
     Intangibles Subject to Amortization
     Present value of future profits ("PVFP")        $264              $(105)                 $267               $(102)
     All other                                          5                 (3)                  136                 (29)
                                                     ----              -----                  ----               -----
          Total                                      $269              $(108)                 $403               $(131)
                                                     ====              =====                  ====               =====
</TABLE>


     Amortization  expense related to intangible assets,  excluding goodwill for
     the  first  quarter  of 2002  and  2001,  was $5  million  and $6  million,
     respectively.  The  estimated  percentage of the December 31, 2001 net PVFP
     balance to be amortized over each of the next five years is as follows:

            2002 . . . . . . . . . . . . . . . . . . 10.1%
            2003 . . . . . . . . . . . . . . . . . . 10.1%
            2004 . . . . . . . . . . . . . . . . . . 9.7%
            2005 . . . . . . . . . . . . . . . . . . 9.2%
            2006 . . . . . . . . . . . . . . . . . . 7.6%

     Amortization  expense  for  PVFP in  future  periods  will be  affected  by
     acquisitions,  realized capital gains/losses or other factors affecting the
     ultimate  amount of gross profits  realized from certain lines of business.
     Similarly, future amortization expense for other intangibles will depend on
     future acquisitions, dispositions and other business transactions.

     In  addition,  the Company had  capitalized  software  (net of  accumulated
     amortization)  of $137  million  and $142  million  at March  30,  2002 and
     December  31,  2001,  respectively.  Amortization  expense  related  to the
     capitalized software was approximately $7 million in both the first quarter
     of 2002 and 2001.

     The only change to recorded goodwill during the period ended March 30, 2002
     was an addition of $104 million,  representing  amounts  reclassified  from
     other  intangible  assets as of the January 1, 2002  adoption  date of SFAS
     142.


                                       5

<PAGE>

Item 1. Financial Statements (Continued).


                     GE GLOBAL INSURANCE HOLDING CORPORATION
                                AND SUBSIDIARIES

        Notes to Condensed, Consolidated Financial Statements (Continued)

4.   At  January  1, 2001,  the   Company   adopted  SFAS 133,  Accounting   for
     Derivative Instruments and Hedging Activities,  as amended. Under SFAS 133,
     all  derivative  instruments  are  recognized in the balance sheet at their
     fair values. The cumulative effect of adopting this standard was a one-time
     reduction of net earnings in the first quarter of 2001 of $11 million.

5.   Changes  in   stockholder's  equity  that  did  not  result  directly  from
     transactions with the share owner were as follows:

<TABLE>
<CAPTION>

                                                                           Three months ended
                                                                  --------------------------------------
     (In millions)                                                March 30, 2002          March 31, 2001
                                                                  --------------          --------------
<S>                                                                     <C>                     <C>
     Net earnings                                                      $  85                    $ 71
     Net unrealized gains (losses) on investment securities             (109)                    172
     Foreign currency translation adjustments                             (5)                     73
     Derivatives qualifying as hedges                                      5                       -
                                                                       -----                    ----
     Total                                                             $ (24)                   $316
                                                                       =====                    ====
</TABLE>




6.   The Company's operating segment activity is summarized as follows:
<TABLE>
<CAPTION>


                                                                           Three months ended
                                                                  --------------------------------------
     (In millions)                                                March 30, 2002          March 31, 2001
                                                                  --------------          --------------
<S>                                                                   <C>                    <C>
     Revenues
     Property/Casualty                                                $1,710                   $1,791
     Life                                                                647                      646
                                                                      ------                   ------
     Total revenues                                                   $2,357                   $2,437
                                                                      ======                   ======

     Earnings before income taxes and cumulative effect of
        change in accounting principle (1)
     Property/Casualty                                                $   66                   $   30
     Life                                                                 45                       97
                                                                      ------                   ------
     Total earnings before income taxes and cumulative effect
        of change in accounting principle                             $  111                   $  127
                                                                      ======                   ======
</TABLE>
     (1) Amounts for 2001 have been  adjusted to exclude  goodwill  amortization
         expense for consistent comparative purposes.


                                       6
<PAGE>

Item 2.  Management's Discussion and Analysis of Results of Operations.

Overview

Net  earnings  before  cumulative  effect  of  change  in  accounting  principle
(discussed  in note 4 of this 10Q report) for the first three months of 2002 was
$85 million,  a $3 million  increase  from the first three months of 2001.  This
slight increase in reported  profitability  reflects:  (1) improved underwriting
results  within the property and casualty  insurance/reinsurance  segment due to
the  combination  of recent  hardening of pricing and lower average  acquisition
costs,  somewhat offset by continued adverse development  relating to prior-year
loss  events,  (2) lower  levels of  investment-related  income  (including  net
realized  gains) and (3) the impact of adoption of SFAS 142,  which  resulted in
the amortization of goodwill ceasing effective January 1, 2002.

The   Company's   two   business   segments   are  (1)   property  and  casualty
insurance/reinsurance and (2) life reinsurance. Business is conducted throughout
the world  utilizing  the  Company's  network  of local  offices.  Although  the
movement in certain foreign  currency  exchange rates during 2002 and 2001 had a
slight  impact on the  individual  revenue and expense  categories,  the overall
impact on net earnings was not  significant.  The  Company's  operating  segment
activity is summarized as follows:


<TABLE>
<CAPTION>


                                                                          Three months ended
                                                                  ----------------------------------
(In millions)                                                     March 30, 2002      March 31, 2001
                                                                  --------------      --------------
<S>                                                                   <C>                 <C>
Revenues
Property/Casualty                                                     $1,710              $1,791
Life                                                                     647                 646
                                                                      ------              ------
Total revenues                                                        $2,357              $2,437
                                                                      ======              ======

Earnings before income taxes and cumulative effect of
   change in accounting principle (1)
Property/Casualty                                                     $   66              $   30
Life                                                                      45                  97
                                                                      ------              ------
Total earnings before income taxes and cumulative effect
   of change in accounting principle                                  $  111              $  127
                                                                      ======              ======
</TABLE>
(1) Amounts  for  2001  have  been  adjusted  to  exclude  goodwill amortization
    expense for consistent comparative purposes.

Typically,  the  underwriting  performance of property and casualty  business is
measured in terms of a combined  ratio and earnings  before  income  taxes.  The
combined ratio is the sum of the loss ratio and the underwriting  expense ratio.
For the first three months of 2002, the property and casualty combined ratio was
108.1%, compared to 113.6% for the same period in 2001. The lower combined ratio
in 2002  primarily  reflects the recent  hardening of pricing within the overall
property  and  casualty   insurance/reinsurance   industry  and  lower   average
acquisiton costs,  somewhat offset by continued adverse development  relating to
prior-year loss events.  Earnings  before income taxes and cumulative  effect of
change in accounting  principle from property and casualty operations  increased
$36 million in the first three  months of 2002,  primarily  attributable  to the
lower combined ratio in 2002 as compared with 2001.

The life reinsurance  segment typically  measures  performance based on revenues
and earnings before income taxes.  Revenues consist of net premiums earned,  net
investment  income,  net  realized  gains on  investments  and  other  revenues,
including fees generated from  investment-related  life reinsurance products and
financial reinsurance transactions. For the first three months of 2002, the life
operations  generated  revenues and earnings  before income taxes and cumulative
effect  of change in  accounting  principle  of $647  million  and $45  million,
respectively,  compared to $646 million and $97 million,  respectively,  for the
same period in 2001. While 2002 revenues  remained  consistent with 2001 levels,
the  decrease in 2002  earnings  before  income taxes and  cumulative  effect of
change in  accounting  principle is  primarily  attributable  to  increased  net
borrowing costs resulting from currency and interest rate changes,  lower levels
of realized investment gains and non-recurring  income generated in 2001 related
to the commutation of certain single-premium bond business.


                                       7
<PAGE>


Item 2.  Management's Discussion and Analysis of Results of Operations (Cont'd).

Operating Results

Net premiums written and net premiums earned in 2002 were relatively  consistent
with the 2001 levels  (increase of $17 million or 1% and decrease of $20 million
or 1%, respectively),  primarily attributable to the recent hardening of pricing
within the overall  property and casualty  insurance/reinsurance  industry and a
focus on growth within certain niche markets,  largely offset by the decision to
exit  certain  lines  of  business  and  customer  relationships  as  part  of a
reunderwriting initiative undertaken in 2001.

Net  investment  income  decreased  $45  million  or  14%  in  2002,   primarily
attributable to the lower interest rate  environment in both the U.S. and Europe
in the current year as compared with 2001.

Net  realized  gains  on  investments  decreased  $24  million  or 38% in  2002,
primarily  attributable  to lower levels of portfolio  repositioning  in 2002 as
compared to 2001 coupled with the impact of a lower interest rate environment.

Other revenues increased $9 million or 20% in 2002, primarily  attributable to a
slight increase in fee-related income within the life reinsurance segment.

Claims,  claim expenses and policy benefits in 2002 remained  relatively in line
with the  comparable  period in 2001  (decrease  of $4 million or less than 1%),
consistent  with  premium  volumes as  discussed  above.  The lower loss  ratios
realized  for the  2002  accident  year as a  result  of the  hardening  pricing
environment   discussed  above  were  largely   negated  by  continued   adverse
development  relating to  prior-year  loss  events.  The Company has reached its
purchased  limit  of  coverage  on  the  1999  aggregate  retro  program  and is
approaching its purchased limit of coverage for the 2000 and 2001 programs.

Insurance  acquisition  costs  decreased  $58 million or 12% in 2002,  primarily
attributable to the slight decrease in net earned premiums discussed above and a
shift in the mix of business  underwritten  to that  having a lower  acquisition
cost as a percentage of premiums written.

Other  operating  costs  and  expenses  (including   amortization  of  goodwill)
decreased $24 million or 12% in 2002, primarily  attributable to the termination
of goodwill amortization in 2002 associated with the implementation of SFAS 142.
Absent the goodwill  amortization  expense in 2001,  other  operating  costs and
expenses would have decreased only $2 million or 1% in 2002.

Provision  for income  taxes was $26 million for the first three  months of 2002
(an  effective  tax rate of 23.4%),  compared to $23 million for the first three
months of 2001 (an effective tax rate of 21.9%).  The slightly higher  effective
tax rate in 2002 primarily reflects a lower proportion of tax-exempt  investment
income.


Forward Looking Statements

This document includes certain  "forward-looking  statements" within the meaning
of the Private  Securities  Litigation  Reform Act of 1995. These statements are
based on management's  current  expectations  and are subject to uncertainty and
changes  in  circumstances.  Actual  results  may differ  materially  from these
expectations due to changes in global economic, business, competitive market and
regulatory factors.




                                       8
<PAGE>


                           PART II - OTHER INFORMATION


Item 6. Exhibits and Reports on Form 8-K.

a. Exhibits.

     Exhibit 12. Computation of ratio of earnings to fixed charges.


b. Reports on Form 8-K.

     None.

                                       10
<PAGE>





                                   SIGNATURES

Pursuant  to the  requirements  of the  Securities  Exchange  Act of  1934,  the
registrant  has duly  caused  this  report  to be  signed  on its  behalf by the
undersigned thereunto duly authorized.


                                         GE GLOBAL INSURANCE HOLDING CORPORATION
                                         ---------------------------------------
                                                        (Registrant)



Date:  May 13, 2002           By:              /s/ MARC A. MEICHES
                               -------------------------------------------------
                                                Marc A. Meiches
                               Senior Vice President and Chief Financial Officer
                                           (Principal Financial Officer)



Date:  May 13, 2002           By:           /s/ WILLIAM J. STEILEN
                               -------------------------------------------------
                                               William J. Steilen
                                          Vice President and Controller
                                          (Principal Accounting Officer)


                                       11
<PAGE>


                     GE GLOBAL INSURANCE HOLDING CORPORATION
                                AND SUBSIDIARIES


                                Index to Exhibits



Exhibit No.                                                                Page
-----------                                                                ----

    12         Computation of ratio of earnings to fixed charges...........  9




                                       12