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<PAGE> PAGE 7
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<PAGE> PAGE 8
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<PAGE> PAGE 10
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<PAGE> PAGE 11
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<PAGE> PAGE 12
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<PAGE> PAGE 13
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<PAGE> PAGE 14
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<PAGE> PAGE 15
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<PAGE> PAGE 16
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<PAGE> PAGE 17
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<PAGE> PAGE 18
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<PAGE> PAGE 19
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<PAGE> PAGE 20
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<PAGE> PAGE 21
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073 B000400 1.5390
073 C000400 0.0000
074 A000400 0
074 B000400 0
074 C000400 15
074 D000400 20
074 E000400 0
074 F000400 193
074 G000400 0
074 H000400 0
074 I000400 0
074 J000400 0
074 K000400 13
074 L000400 0
074 M000400 5
074 N000400 246
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074 R030400 0
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074 S000400 0
074 T000400 228
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074 U020400 0
074 V010400 12.42
074 V020400 0.00
074 W000400 0.0000
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074 Y000400 0
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076 000400 0.00
028 A010500 0
028 A020500 0
028 A030500 0
028 A040500 0
028 B010500 0
028 B020500 0
028 B030500 0
028 B040500 0
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028 C030500 0
028 C040500 0
<PAGE> PAGE 22
028 D010500 0
028 D020500 0
028 D030500 0
028 D040500 0
028 E010500 0
028 E020500 0
028 E030500 0
028 E040500 0
028 F010500 0
028 F020500 0
028 F030500 0
028 F040500 0
028 G010500 0
028 G020500 47
028 G030500 0
028 G040500 0
028 H000500 0
045 000500 Y
046 000500 N
047 000500 Y
048 000500 1.000
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048 B010500 0
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048 C010500 0
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048 E010500 0
048 E020500 0.000
048 F010500 0
048 F020500 0.000
048 G010500 0
048 G020500 0.000
048 H010500 0
048 H020500 0.000
048 I010500 0
048 I020500 0.000
048 J010500 0
048 J020500 0.000
048 K010500 0
048 K020500 0.000
049 000500 N
050 000500 N
051 000500 N
052 000500 N
053 A000500 Y
053 B000500 Y
053 C000500 N
058 A000500 N
<PAGE> PAGE 23
059 000500 Y
060 A000500 Y
060 B000500 Y
061 000500 5000
062 A000500 N
062 B000500 0.0
062 C000500 0.0
062 D000500 0.0
062 E000500 0.0
062 F000500 0.0
062 G000500 0.0
062 H000500 0.0
062 I000500 0.0
062 J000500 0.0
062 K000500 0.0
062 L000500 0.0
062 M000500 0.0
062 N000500 0.0
062 O000500 0.0
062 P000500 0.0
062 Q000500 0.0
062 R000500 0.0
066 A000500 Y
066 B000500 N
066 C000500 N
066 D000500 Y
066 E000500 N
066 F000500 N
066 G000500 N
067 000500 N
068 A000500 N
068 B000500 N
069 000500 N
070 A010500 Y
070 A020500 N
070 B010500 Y
070 B020500 N
070 C010500 Y
070 C020500 N
070 D010500 Y
070 D020500 N
070 E010500 Y
070 E020500 N
070 F010500 Y
070 F020500 N
070 G010500 Y
070 G020500 N
070 H010500 Y
070 H020500 N
070 I010500 N
070 I020500 N
<PAGE> PAGE 24
070 J010500 Y
070 J020500 N
070 K010500 Y
070 K020500 Y
070 L010500 Y
070 L020500 Y
070 M010500 Y
070 M020500 N
070 N010500 Y
070 N020500 N
070 O010500 N
070 O020500 N
070 P010500 Y
070 P020500 N
070 Q010500 N
070 Q020500 N
070 R010500 Y
070 R020500 N
071 A000500 197
071 B000500 201
071 C000500 206
071 D000500 96
072 A000500 12
072 B000500 0
072 C000500 3
072 D000500 0
072 E000500 0
072 F000500 2
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072 H000500 0
072 I000500 0
072 J000500 1
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072 L000500 0
072 M000500 8
072 N000500 0
072 O000500 0
072 P000500 0
072 Q000500 0
072 R000500 3
072 S000500 3
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072 U000500 0
072 V000500 0
072 W000500 0
072 X000500 17
072 Y000500 15
072 Z000500 1
072AA000500 30
072BB000500 0
072CC010500 42
<PAGE> PAGE 25
072CC020500 0
072DD010500 4
072DD020500 0
072EE000500 43
073 A010500 0.2650
073 A020500 0.0000
073 B000500 3.0600
073 C000500 0.0000
074 A000500 0
074 B000500 0
074 C000500 0
074 D000500 0
074 E000500 0
074 F000500 241
074 G000500 0
074 H000500 0
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074 J000500 0
074 K000500 12
074 L000500 0
074 M000500 11
074 N000500 264
074 O000500 0
074 P000500 0
074 Q000500 0
074 R010500 0
074 R020500 0
074 R030500 0
074 R040500 18
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074 V020500 0.00
074 W000500 0.0000
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028 A010600 0
028 A020600 0
028 A030600 0
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028 B010600 0
028 B020600 0
028 B030600 0
028 B040600 0
028 C010600 0
028 C020600 2
<PAGE> PAGE 26
028 C030600 0
028 C040600 0
028 D010600 0
028 D020600 0
028 D030600 0
028 D040600 0
028 E010600 0
028 E020600 0
028 E030600 0
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028 F030600 0
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028 G020600 2
028 G030600 0
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028 H000600 0
045 000600 Y
046 000600 N
047 000600 Y
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048 H020600 0.000
048 I010600 0
048 I020600 0.000
048 J010600 0
048 J020600 0.000
048 K010600 0
048 K020600 0.000
049 000600 N
050 000600 N
051 000600 N
052 000600 N
053 A000600 Y
053 B000600 Y
<PAGE> PAGE 27
053 C000600 N
058 A000600 N
059 000600 Y
060 A000600 Y
060 B000600 Y
061 000600 5000
062 A000600 N
062 B000600 0.0
062 C000600 0.0
062 D000600 0.0
062 E000600 0.0
062 F000600 0.0
062 G000600 0.0
062 H000600 0.0
062 I000600 0.0
062 J000600 0.0
062 K000600 0.0
062 L000600 0.0
062 M000600 0.0
062 N000600 0.0
062 O000600 0.0
062 P000600 0.0
062 Q000600 0.0
062 R000600 0.0
066 A000600 Y
066 B000600 N
066 C000600 N
066 D000600 Y
066 E000600 N
066 F000600 N
066 G000600 N
067 000600 N
068 A000600 N
068 B000600 N
069 000600 N
070 A010600 Y
070 A020600 N
070 B010600 Y
070 B020600 N
070 C010600 Y
070 C020600 N
070 D010600 Y
070 D020600 N
070 E010600 Y
070 E020600 N
070 F010600 Y
070 F020600 N
070 G010600 Y
070 G020600 N
070 H010600 Y
070 H020600 N
<PAGE> PAGE 28
070 I010600 N
070 I020600 N
070 J010600 Y
070 J020600 N
070 K010600 Y
070 K020600 Y
070 L010600 Y
070 L020600 Y
070 M010600 Y
070 M020600 N
070 N010600 Y
070 N020600 N
070 O010600 N
070 O020600 N
070 P010600 Y
070 P020600 N
070 Q010600 N
070 Q020600 N
070 R010600 Y
070 R020600 N
071 A000600 75
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072 A000600 12
072 B000600 2
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<PAGE> PAGE 29
072BB000600 0
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074 D000600 0
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074 L000600 0
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SIGNATURE BETH GALUSHA
TITLE MUTUAL FUND CFO
[ARTICLE] 6
[LEGEND]
[RESTATED]
[CIK] 0001003369
[NAME] MANNING & NAPIER INSURANCE FUND, INC.
[SERIES]
[NAME] MANNING & NAPIER BOND PORTFOLIO
[NUMBER] 1
[MULTIPLIER] 1
[CURRENCY] 1
[FISCAL-YEAR-END] DEC-31-1999
[PERIOD-START] JAN-01-1999
[PERIOD-END] DEC-31-1999
[PERIOD-TYPE] 12-MOS
[EXCHANGE-RATE] 1
[INVESTMENTS-AT-COST] 152796
[INVESTMENTS-AT-VALUE] 150106
[RECEIVABLES] 15244
[ASSETS-OTHER] 0
[OTHER-ITEMS-ASSETS] 0
[TOTAL-ASSETS] 165350
[PAYABLE-FOR-SECURITIES] 0
[SENIOR-LONG-TERM-DEBT] 0
[OTHER-ITEMS-LIABILITIES] 18738
[TOTAL-LIABILITIES] 18738
[SENIOR-EQUITY] 0
[PAID-IN-CAPITAL-COMMON] 141697
[SHARES-COMMON-STOCK] 14064
[SHARES-COMMON-PRIOR] 13357
[ACCUMULATED-NII-CURRENT] 7605
[OVERDISTRIBUTION-NII] 0
[ACCUMULATED-NET-GAINS] 0
[OVERDISTRIBUTION-GAINS] 0
[ACCUM-APPREC-OR-DEPREC] (2690)
[NET-ASSETS] 146612
[DIVIDEND-INCOME] 0
[INTEREST-INCOME] 8867
[OTHER-INCOME] 0
[EXPENSES-NET] 1260
[NET-INVESTMENT-INCOME] 7607
[REALIZED-GAINS-CURRENT] 0
[APPREC-INCREASE-CURRENT] (12578)
[NET-CHANGE-FROM-OPS] (4971)
[EQUALIZATION] 0
[DISTRIBUTIONS-OF-INCOME] (7373)
[DISTRIBUTIONS-OF-GAINS] (15)
[DISTRIBUTIONS-OTHER] 0
[NUMBER-OF-SHARES-SOLD] 0
[NUMBER-OF-SHARES-REDEEMED] 0
[SHARES-REINVESTED] 707
[NET-CHANGE-IN-ASSETS] (4971)
[ACCUMULATED-NII-PRIOR] 7371
[ACCUMULATED-GAINS-PRIOR] 14
[OVERDISTRIB-NII-PRIOR] 0
[OVERDIST-NET-GAINS-PRIOR] 0
[GROSS-ADVISORY-FEES] 741
[INTEREST-EXPENSE] 0
[GROSS-EXPENSE] 14809
[AVERAGE-NET-ASSETS] 148350
[PER-SHARE-NAV-BEGIN] 11.35
[PER-SHARE-NII] 0.541
[PER-SHARE-GAIN-APPREC] (0.918)
[PER-SHARE-DIVIDEND] 0.552
[PER-SHARE-DISTRIBUTIONS] 0.001
[RETURNS-OF-CAPITAL] 0
[PER-SHARE-NAV-END] 10.42
[EXPENSE-RATIO] 0.85
[AVG-DEBT-OUTSTANDING] 0
[AVG-DEBT-PER-SHARE] 0
[ARTICLE] 6
[LEGEND]
[RESTATED]
[CIK] 0001003369
[NAME] MANNING & NAPIER INSURANCE FUND, INC.
[SERIES]
[NAME] MANNING & NAPIER EQUITY PORTFOLIO
[NUMBER] 5
[MULTIPLIER] 1
[CURRENCY] 1
[FISCAL-YEAR-END] DEC-31-1999
[PERIOD-START] JAN-01-1999
[PERIOD-END] DEC-31-1999
[PERIOD-TYPE] 12-MOS
[EXCHANGE-RATE] 1
[INVESTMENTS-AT-COST] 218137
[INVESTMENTS-AT-VALUE] 251671
[RECEIVABLES] 12436
[ASSETS-OTHER] 0
[OTHER-ITEMS-ASSETS] 0
[TOTAL-ASSETS] 264482
[PAYABLE-FOR-SECURITIES] 0
[SENIOR-LONG-TERM-DEBT] 0
[OTHER-ITEMS-LIABILITIES] 18627
[TOTAL-LIABILITIES] 18627
[SENIOR-EQUITY] 0
[PAID-IN-CAPITAL-COMMON] 187465
[SHARES-COMMON-STOCK] 17768
[SHARES-COMMON-PRIOR] 14082
[ACCUMULATED-NII-CURRENT] (934)
[OVERDISTRIBUTION-NII] 0
[ACCUMULATED-NET-GAINS] 25790
[OVERDISTRIBUTION-GAINS] 0
[ACCUM-APPREC-OR-DEPREC] 33534
[NET-ASSETS] 245855
[DIVIDEND-INCOME] 3285
[INTEREST-INCOME] 381
[OTHER-INCOME] 0
[EXPENSES-NET] 2483
[NET-INVESTMENT-INCOME] 1183
[REALIZED-GAINS-CURRENT] 30489
[APPREC-INCREASE-CURRENT] 42489
[NET-CHANGE-FROM-OPS] 74161
[EQUALIZATION] 0
[DISTRIBUTIONS-OF-INCOME] (3732)
[DISTRIBUTIONS-OF-GAINS] (43084)
[DISTRIBUTIONS-OTHER] 0
[NUMBER-OF-SHARES-SOLD] 0
[NUMBER-OF-SHARES-REDEEMED] 0
[SHARES-REINVESTED] 3686
[NET-CHANGE-IN-ASSETS] 74161
[ACCUMULATED-NII-PRIOR] 1615
[ACCUMULATED-GAINS-PRIOR] 38386
[OVERDISTRIB-NII-PRIOR] 0
[OVERDIST-NET-GAINS-PRIOR] 0
[GROSS-ADVISORY-FEES] 2070
[INTEREST-EXPENSE] 0
[GROSS-EXPENSE] 16989
[AVERAGE-NET-ASSETS] 206314
[PER-SHARE-NAV-BEGIN] 12.19
[PER-SHARE-NII] 0.098
[PER-SHARE-GAIN-APPREC] 4.877
[PER-SHARE-DIVIDEND] 0.265
[PER-SHARE-DISTRIBUTIONS] 3.060
[RETURNS-OF-CAPITAL] 0
[PER-SHARE-NAV-END] 13.84
[EXPENSE-RATIO] 1.20
[AVG-DEBT-OUTSTANDING] 0
[AVG-DEBT-PER-SHARE] 0
[ARTICLE] 6
[LEGEND]
[RESTATED]
[CIK] 0001003369
[NAME] MANNING & NAPIER INSURANCE FUND, INC.
[SERIES]
[NAME] MANNING & NAPIER GROWTH PORTFOLIO
[NUMBER] 3
[MULTIPLIER] 1
[CURRENCY] 1
[FISCAL-YEAR-END] DEC-31-1999
[PERIOD-START] JAN-01-1999
[PERIOD-END] DEC-31-1999
[PERIOD-TYPE] 12-MOS
[EXCHANGE-RATE] 1
[INVESTMENTS-AT-COST] 519476
[INVESTMENTS-AT-VALUE] 526838
[RECEIVABLES] 19295
[ASSETS-OTHER] 0
[OTHER-ITEMS-ASSETS] 0
[TOTAL-ASSETS] 546133
[PAYABLE-FOR-SECURITIES] 2291
[SENIOR-LONG-TERM-DEBT] 0
[OTHER-ITEMS-LIABILITIES] 18794
[TOTAL-LIABILITIES] 21085
[SENIOR-EQUITY] 0
[PAID-IN-CAPITAL-COMMON] 496126
[SHARES-COMMON-STOCK] 41764
[SHARES-COMMON-PRIOR] 51677
[ACCUMULATED-NII-CURRENT] 12578
[OVERDISTRIBUTION-NII] 0
[ACCUMULATED-NET-GAINS] 8982
[OVERDISTRIBUTION-GAINS] 0
[ACCUM-APPREC-OR-DEPREC] 7362
[NET-ASSETS] 525048
[DIVIDEND-INCOME] 6045
[INTEREST-INCOME] 12684
[OTHER-INCOME] 0
[EXPENSES-NET] 6151
[NET-INVESTMENT-INCOME] 12578
[REALIZED-GAINS-CURRENT] 17950
[APPREC-INCREASE-CURRENT] 29127
[NET-CHANGE-FROM-OPS] 59655
[EQUALIZATION] 0
[DISTRIBUTIONS-OF-INCOME] 14451
[DISTRIBUTIONS-OF-GAINS] 17687
[DISTRIBUTIONS-OTHER] 0
[NUMBER-OF-SHARES-SOLD] 4207
[NUMBER-OF-SHARES-REDEEMED] 16753
[SHARES-REINVESTED] 2633
[NET-CHANGE-IN-ASSETS] (89709)
[ACCUMULATED-NII-PRIOR] 14450
[ACCUMULATED-GAINS-PRIOR] 8719
[OVERDISTRIB-NII-PRIOR] 0
[OVERDIST-NET-GAINS-PRIOR] 0
[GROSS-ADVISORY-FEES] 5125
[INTEREST-EXPENSE] 0
[GROSS-EXPENSE] 21051
[AVERAGE-NET-ASSETS] 520694
[PER-SHARE-NAV-BEGIN] 11.90
[PER-SHARE-NII] 0.391
[PER-SHARE-GAIN-APPREC] 1.100
[PER-SHARE-DIVIDEND] 0.369
[PER-SHARE-DISTRIBUTIONS] 0.452
[RETURNS-OF-CAPITAL] 0
[PER-SHARE-NAV-END] 12.57
[EXPENSE-RATIO] 1.20
[AVG-DEBT-OUTSTANDING] 0
[AVG-DEBT-PER-SHARE] 0
[ARTICLE] 6
[LEGEND]
[RESTATED]
[CIK] 0001003369
[NAME] MANNING & NAPIER INSURANCE FUND, INC.
[SERIES]
[NAME] MANNING & NAPIER MODERATE GROWTH PORTFOLIO
[NUMBER] 2
[MULTIPLIER] 1
[CURRENCY] 1
[FISCAL-YEAR-END] DEC-31-1999
[PERIOD-START] JAN-01-1999
[PERIOD-END] DEC-31-1999
[PERIOD-TYPE] 12-MOS
[EXCHANGE-RATE] 1
[INVESTMENTS-AT-COST] 286495
[INVESTMENTS-AT-VALUE] 288074
[RECEIVABLES] 17139
[ASSETS-OTHER] 0
[OTHER-ITEMS-ASSETS] 0
[TOTAL-ASSETS] 305213
[PAYABLE-FOR-SECURITIES] 1718
[SENIOR-LONG-TERM-DEBT] 0
[OTHER-ITEMS-LIABILITIES] 17987
[TOTAL-LIABILITIES] 19705
[SENIOR-EQUITY] 0
[PAID-IN-CAPITAL-COMMON] 275696
[SHARES-COMMON-STOCK] 27502
[SHARES-COMMON-PRIOR] 14007
[ACCUMULATED-NII-CURRENT] 6451
[OVERDISTRIBUTION-NII] 0
[ACCUMULATED-NET-GAINS] 1782
[OVERDISTRIBUTION-GAINS] 0
[ACCUM-APPREC-OR-DEPREC] 1579
[NET-ASSETS] 285508
[DIVIDEND-INCOME] 1435
[INTEREST-INCOME] 7157
[OTHER-INCOME] 0
[EXPENSES-NET] 2140
[NET-INVESTMENT-INCOME] 6452
[REALIZED-GAINS-CURRENT] 2747
[APPREC-INCREASE-CURRENT] 1975
[NET-CHANGE-FROM-OPS] 11174
[EQUALIZATION] 0
[DISTRIBUTIONS-OF-INCOME] 4809
[DISTRIBUTIONS-OF-GAINS] 9435
[DISTRIBUTIONS-OTHER] 0
[NUMBER-OF-SHARES-SOLD] 12125
[NUMBER-OF-SHARES-REDEEMED] 0
[SHARES-REINVESTED] 1370
[NET-CHANGE-IN-ASSETS] 132184
[ACCUMULATED-NII-PRIOR] 4808
[ACCUMULATED-GAINS-PRIOR] 8469
[OVERDISTRIB-NII-PRIOR] 0
[OVERDIST-NET-GAINS-PRIOR] 0
[GROSS-ADVISORY-FEES] 1783
[INTEREST-EXPENSE] 0
[GROSS-EXPENSE] 16403
[AVERAGE-NET-ASSETS] 185203
[PER-SHARE-NAV-BEGIN] 10.95
[PER-SHARE-NII] 0.235
[PER-SHARE-GAIN-APPREC] 0.212
[PER-SHARE-DIVIDEND] 0.343
[PER-SHARE-DISTRIBUTIONS] 0.674
[RETURNS-OF-CAPITAL] 0
[PER-SHARE-NAV-END] 10.38
[EXPENSE-RATIO] 1.20
[AVG-DEBT-OUTSTANDING] 0
[AVG-DEBT-PER-SHARE] 0
[ARTICLE] 6
[LEGEND]
[RESTATED]
[CIK] 0001003369
[NAME] MANNING & NAPIER INSURANCE FUND, INC.
[SERIES]
[NAME] MANNING & NAPIER MAXIMUM HORIZON PORTFOLIO
[NUMBER] 4
[MULTIPLIER] 1
[CURRENCY] 1
[FISCAL-YEAR-END] DEC-31-1999
[PERIOD-START] JAN-01-1999
[PERIOD-END] DEC-31-1999
[PERIOD-TYPE] 12-MOS
[EXCHANGE-RATE] 1
[INVESTMENTS-AT-COST] 221833
[INVESTMENTS-AT-VALUE] 232941
[RECEIVABLES] 13037
[ASSETS-OTHER] 0
[OTHER-ITEMS-ASSETS] 0
[TOTAL-ASSETS] 245978
[PAYABLE-FOR-SECURITIES] 0
[SENIOR-LONG-TERM-DEBT] 0
[OTHER-ITEMS-LIABILITIES] 17735
[TOTAL-LIABILITIES] 17735
[SENIOR-EQUITY] 0
[PAID-IN-CAPITAL-COMMON] 183916
[SHARES-COMMON-STOCK] 18374
[SHARES-COMMON-PRIOR] 15943
[ACCUMULATED-NII-CURRENT] 1658
[OVERDISTRIBUTION-NII] 0
[ACCUMULATED-NET-GAINS] 31561
[OVERDISTRIBUTION-GAINS] 0
[ACCUM-APPREC-OR-DEPREC] 11108
[NET-ASSETS] 228243
[DIVIDEND-INCOME] 3846
[INTEREST-INCOME] 1638
[OTHER-INCOME] 0
[EXPENSES-NET] 2369
[NET-INVESTMENT-INCOME] 3115
[REALIZED-GAINS-CURRENT] 32683
[APPREC-INCREASE-CURRENT] 22426
[NET-CHANGE-FROM-OPS] 58224
[EQUALIZATION] 0
[DISTRIBUTIONS-OF-INCOME] 3525
[DISTRIBUTIONS-OF-GAINS] 24534
[DISTRIBUTIONS-OTHER] 0
[NUMBER-OF-SHARES-SOLD] 0
[NUMBER-OF-SHARES-REDEEMED] 0
[SHARES-REINVESTED] 2431
[NET-CHANGE-IN-ASSETS] 58224
[ACCUMULATED-NII-PRIOR] 2068
[ACCUMULATED-GAINS-PRIOR] 23414
[OVERDISTRIB-NII-PRIOR] 0
[OVERDIST-NET-GAINS-PRIOR] 0
[GROSS-ADVISORY-FEES] 1974
[INTEREST-EXPENSE] 0
[GROSS-EXPENSE] 16894
[AVERAGE-NET-ASSETS] 196891
[PER-SHARE-NAV-BEGIN] 10.66
[PER-SHARE-NII] 0.182
[PER-SHARE-GAIN-APPREC] 3.336
[PER-SHARE-DIVIDEND] 0.221
[PER-SHARE-DISTRIBUTIONS] 1.539
[RETURNS-OF-CAPITAL] 0
[PER-SHARE-NAV-END] 12.42
[EXPENSE-RATIO] 1.20
[AVG-DEBT-OUTSTANDING] 0
[AVG-DEBT-PER-SHARE] 0
[ARTICLE] 6
[LEGEND]
[RESTATED]
[CIK] 0001003369
[NAME] MANNING & NAPIER INSURANCE FUND, INC.
[SERIES]
[NAME] MANNING & NAPIER SMALL CAP PORTFOLIO
[NUMBER] 6
[MULTIPLIER] 1
[CURRENCY] 1
[FISCAL-YEAR-END] DEC-31-1999
[PERIOD-START] JAN-01-1999
[PERIOD-END] DEC-31-1999
[PERIOD-TYPE] 12-MOS
[EXCHANGE-RATE] 1
[INVESTMENTS-AT-COST] 168780
[INVESTMENTS-AT-VALUE] 158050
[RECEIVABLES] 13989
[ASSETS-OTHER] 339
[OTHER-ITEMS-ASSETS] 0
[TOTAL-ASSETS] 172378
[PAYABLE-FOR-SECURITIES] 3663
[SENIOR-LONG-TERM-DEBT] 0
[OTHER-ITEMS-LIABILITIES] 17521
[TOTAL-LIABILITIES] 21184
[SENIOR-EQUITY] 0
[PAID-IN-CAPITAL-COMMON] 160395
[SHARES-COMMON-STOCK] 16873
[SHARES-COMMON-PRIOR] 16632
[ACCUMULATED-NII-CURRENT] 1499
[OVERDISTRIBUTION-NII] 0
[ACCUMULATED-NET-GAINS] 30
[OVERDISTRIBUTION-GAINS] 0
[ACCUM-APPREC-OR-DEPREC] (10730)
[NET-ASSETS] 151194
[DIVIDEND-INCOME] 1057
[INTEREST-INCOME] 2136
[OTHER-INCOME] 0
[EXPENSES-NET] 1692
[NET-INVESTMENT-INCOME] 1501
[REALIZED-GAINS-CURRENT] 28
[APPREC-INCREASE-CURRENT] 10468
[NET-CHANGE-FROM-OPS] 10496
[EQUALIZATION] 0
[DISTRIBUTIONS-OF-INCOME] 537
[DISTRIBUTIONS-OF-GAINS] 1570
[DISTRIBUTIONS-OTHER] 0
[NUMBER-OF-SHARES-SOLD] 0
[NUMBER-OF-SHARES-REDEEMED] 0
[SHARES-REINVESTED] 241
[NET-CHANGE-IN-ASSETS] 11997
[ACCUMULATED-NII-PRIOR] 537
[ACCUMULATED-GAINS-PRIOR] 1570
[OVERDISTRIB-NII-PRIOR] 0
[OVERDIST-NET-GAINS-PRIOR] 0
[GROSS-ADVISORY-FEES] 1410
[INTEREST-EXPENSE] 0
[GROSS-EXPENSE] 17084
[AVERAGE-NET-ASSETS] 141265
[PER-SHARE-NAV-BEGIN] 8.37
[PER-SHARE-NII] 0.089
[PER-SHARE-GAIN-APPREC] 0.627
[PER-SHARE-DIVIDEND] 0.032
[PER-SHARE-DISTRIBUTIONS] 0.094
[RETURNS-OF-CAPITAL] 0
[PER-SHARE-NAV-END] 8.96
[EXPENSE-RATIO] 1.20
[AVG-DEBT-OUTSTANDING] 0
[AVG-DEBT-PER-SHARE] 0
REPORT OF INDEPENDENT ACCOUNTANTS
To the Board of Directors and Shareholders
of Manning & Napier Insurance Fund, Inc.
In planning and performing our audits of the financial statements of the Manning
& Napier Insurance Fund, Inc. (the "Company") for the year ended December 31,
1999, we considered its internal control, including control activities for
safeguarding securities, in order to determine our auditing procedures for the
purpose of expressing our opinion on the financial statements and to comply with
the requirements of Form N-SAR, not to provide assurance on internal control.
The management of the Company is responsible for establishing and maintaining
internal control. In fulfilling this responsibility, estimates and judgments by
management are required to assess the expected benefits and related costs of
controls. Generally, controls that are relevant to an audit pertain to the
entity's objective of preparing financial statements for external purposes that
are fairly presented in conformity with generally accepted accounting
principles. Those controls include the safeguarding of assets against
unauthorized acquisition, use or disposition.
Because of inherent limitations in internal control, errors or fraud may occur
and not be detected. Also, projection of any evaluation of internal control to
future periods is subject to the risk that controls may become inadequate
because of changes in conditions or that the effectiveness of their design and
operation may deteriorate.
Our consideration of internal control would not necessarily disclose all matters
in internal control that might be material weaknesses under standards
established by the American Institute of Certified Public Accountants. A
material weakness is a condition in which the design or operation of one or more
of the internal control components does not reduce to a relatively low level the
risk that misstatements caused by error or fraud in amounts that would be
material in relation to the financial statements being audited may occur and not
be detected within a timely period by employees in the normal course of
performing their assigned functions. However, we noted no matters involving
internal control and its operation, including controls for safeguarding
securities, that we consider to be material weaknesses as defined above as of
December 31, 1999.
This report is intended solely for the information and use of the Board of
Directors, management and the Securities and Exchange Commission and is not
intended to be and should not be used by anyone other than these specified
parties.
PricewaterhouseCoopers LLP
Boston, Massachusetts
February 18, 2000
