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| related topics |
| {loss, insurance, financial} |
| {condition, economic, financial} |
| {customer, product, revenue} |
| {capital, credit, financial} |
| {personnel, key, retain} |
| {financial, litigation, operation} |
| {competitive, industry, competition} |
| {regulation, change, law} |
| {loan, real, estate} |
| {regulation, government, change} |
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Poor performance of the equity markets could adversely affect variable universal life and variable annuity products.
Changes in interest rates could harm cash flow and profitability in our life and annuity businesses.
Our profitability may decline if mortality rates or persistency rates differ significantly from our pricing expectations.
We may incur losses due to our reinsurers being unwilling or unable to meet their obligations under reinsurance contracts and the availability, pricing and adequacy of reinsurance may not be sufficient to protect us against losses.
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 PNX s debt ratings and our 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.
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.
Changes in tax laws may decrease sales and profitability of products.
Potential changes in federal and state regulation may increase our business costs and required capital levels, which could adversely affect our business, consolidated operating results, financial condition or liquidity.
Legal and regulatory actions are inherent in our businesses and could result in financial losses or harm to our businesses.
Full 10-K form ▸
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