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| related topics |
| {capital, credit, financial} |
| {condition, economic, financial} |
| {customer, product, revenue} |
| {gas, price, oil} |
| {personnel, key, retain} |
| {competitive, industry, competition} |
| {regulation, change, law} |
| {loan, real, estate} |
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Poor performance of the equity markets could adversely affect sales and assets under management of our variable universal life and variable annuity products.
Changes in interest rates could harm cash flow and profitability in our life and annuity businesses.
We depend on non-affiliated distribution for our product sales and if our relationships with these distributors were harmed, we could suffer a loss in revenues.
Downgrades to Phoenix Life s and PHL Variable Insurance Company s financial strength ratings could increase policy surrenders and withdrawals, adversely affect relationships with distributors, reduce new sales and earnings from certain of our life insurance products and increase our future borrowing costs.
Phoenix Life and PHL Variable Life
Our business operations, investment returns, and profitability could be adversely impacted by inadequate performance of third-party relationships.
We might be unable to attract or retain personnel who are key to our business.
We face strong competition in our businesses from mutual fund companies, banks, asset management firms and other insurance companies. This competition could impair our ability to retain existing customers, attract new customers and maintain our profitability.
Some of the Bush administration s legislative proposals would reduce or eliminate the benefit of deferral of taxation for our insurance and annuity products. In addition, legislation eliminating or modifying either the federal estate tax or the federal taxation of investment income could adversely affect sales of and revenues from our life and annuity products.
Changes in insurance and securities regulation could affect our profitability by imposing further restrictions on the conduct of our business.
Full 10-K form ▸
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