Insurance co. to give $500,000 to VT policyholders

Seeking to prevent tragedy and raise awareness of improper heating
systems, local Concord Group Insurance Companies is giving $500,000 to
their policyholders for the purchase of home heating fuel this winter
season. Thousands of individuals and families across the state of
Vermont are eligible for Concord Group's one-time "A Warm Hand:
Policyholder Heating Lottery" program.

According to Joseph A. Desmond, Chairman and CEO of Concord Group, "We
recognize the unique challenge the economy causes for many families this
holiday season. We have seen our policyholders through the Great
Depression, oil embargo and other economic challenges. This is one of
the ways we can show our policyholders - in a way that touches their
lives - how we value their trust."

All Concord Group Insurance homeowner and mobile homeowner policyholders
of record as of October 31, 2008 are eligible in the state of Vermont.

Concord Group Insurance will award fuel voucher checks in a lottery
format. Policyholders who wish to participate can register one of three
ways:

. Directly on Concord Group's web site located at
www.concordgroupinsurance.com.

. Through their local Independent Insurance Agent who will
register them with Concord Group.

. Or walk into one of Concord Group's local offices in Concord,
NH; Berlin, VT or Auburn, ME and register directly with the company.

"Unlike some other companies, we've been prudent in our investments and in our daily operations," said Concord Group President Linda J. Day. "We felt that this was the best way to offer safety and security to the
thousands of New England families who turn to us for peace of mind."

Each fuel voucher check will be awarded at $250 each. Four drawings are scheduled: December 15, 2008; January 15, 2009; February 16, 2009 and
March 16, 2009. All fuel voucher checks will be distributed by the end of March, 2009.

Fuel sources eligible for the fuel assistance check include heating oil;
natural gas; electric; propane (LPG); wood pellets; fire wood.