CERG Ceres (MM)

Ceres Group to Present at Friedman Billings Ramsey 10th Annual Investor Conference CLEVELAND, Nov. 25 /PRNewswire-FirstCall/ -- Ceres Group, Inc. today announced that its president and chief executive officer, Tom Kilian, will present at the Friedman Billings Ramsey 10th Annual Investor Conference on Wednesday, December 3, 2003 at 1:40 p.m. ET in New York City at the Sheraton New York Hotel & Towers. (Logo: http://www.newscom.com/cgi-bin/prnh/20000315/CRLOGO ) Investors will be able to access the presentation via the Friedman Billings Ramsey website at http://www.fbr.com/ . The direct link to the registration page is http://www.wallstreetwebcasting.com/webcast/fbr3/ . Following the live webcast, a replay of the presentation will be available for 60 days. Mr. Kilian's presentation will also be available on the Ceres website at http://www.ceresgp.com/ . About Ceres Group Ceres Group, Inc., through its insurance subsidiaries, provides a wide array of health and life insurance products through two primary business segments. Ceres' Medical Segment includes major medical health insurance for individuals, families, associations and small businesses. The Senior Segment includes senior health, life and annuity products for Americans age 55 and over. To help control medical costs, Ceres also provides medical cost management services to its insureds. Ceres' nationwide distribution channels include independent agents and its electronic distribution system. For more information, visit http://www.ceresgp.com/ . The presentation referenced in this news release contains certain forward- looking statements with respect to the financial condition, results of operations and business of the company. Forward-looking statements are statements other than historical information or statements of current condition. In light of the risks and uncertainties inherent in all future projections, the inclusion of forward-looking statements herein should not be regarded as representation by the company or any other person that the objectives or plans of the company will be achieved. Many factors could cause actual results to differ materially from those contemplated by such forward- looking statements, including, among others, failure to accurately predict claims liabilities, rising healthcare costs, business conditions and competition in the healthcare industry, developments in healthcare reform and other regulatory issues (including failure to meet statutory capital requirements), adverse outcomes in litigation, ability to develop and administer competitive products, performance of our reinsurers and failure to comply with financial and other covenants in our loan agreements, and the failure to successfully implement the business plans for the company and its subsidiaries. This review of important factors should not be construed as exhaustive. Investors and others should refer to Ceres' filings with the Securities and Exchange Commission, including its annual report on Form 10-K for the year ended December 31, 2002, and its quarterly reports on Form 10-Q and other periodic filings, for a description of the foregoing and other factors. Ceres undertakes no obligation to update forward-looking statements to reflect events or circumstances after the date hereof or to reflect the occurrence of unanticipated events. http://www.newscom.com/cgi-bin/prnh/20000315/CRLOGO http://photoarchive.ap.org/ DATASOURCE: Ceres Group, Inc. CONTACT: Gayle M. Vixler, Senior Vice President of Ceres Group, Inc., +1-440-572-8848 Web site: http://www.ceresgp.com/ http://www.fbr.com/

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