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| related topics |
| {tax, income, asset} |
| {acquisition, growth, future} |
| {personnel, key, retain} |
| {loss, insurance, financial} |
| {product, market, service} |
| {financial, litigation, operation} |
| {capital, credit, financial} |
| {control, financial, internal} |
| {condition, economic, financial} |
| {regulation, government, change} |
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We face competition from companies that have greater financial resources, broader arrays of products, higher ratings and stronger financial performance, which may impair our ability to retain existing customers, attracts new customers and maintain our profitability and financial strength.
General economic conditions, including changing interest rates and market volatility, affect both the risks and the returns on both our products and our investment portfolio.
Our investment portfolio is also subject to credit quality risks which may diminish the value of our invested assets and affect our sales, profitability and reported book value per share.
Our reinsurance program involves risks because we remain liable with respect to the liabilities ceded to reinsurers if the reinsurers fail to meet the obligations assumed by them.
We may experience volatility in net income due to accounting standards for derivatives.
If we do not manage our growth effectively, our financial performance could be adversely affected; our historical growth rates may not be indicative of our future growth.
We must retain and attract key employees or else we may not grow or be successful.
If we are unable to attract and retain national marketing organizations and independent agents, sales of our products may be reduced.
We may require additional capital to support sustained future growth which may not be available when needed or may be available only on unfavorable terms.
Changes in state and federal regulation may affect our profitability.
Changes in federal income taxation laws, including recent reduction in individual income tax rates, may affect sales of our products and profitability.
We face risks relating to litigation, including the costs of such litigation, management distraction and the potential for damage awards, which may adversely impact our business.
A downgrade in our credit or financial strength ratings may increase our future cost of capital and may reduce new sales, adversely affect relationships with distributors and increase policy surrenders and withdrawals.
Our system of internal control ensures the accuracy or completeness of our disclosures and a loss of public confidence in the quality of our internal controls or disclosures could have a negative impact on us.
Full 10-K form ▸
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