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| related topics |
| {loan, real, estate} |
| {loss, insurance, financial} |
| {operation, natural, condition} |
| {condition, economic, financial} |
| {capital, credit, financial} |
| {operation, international, foreign} |
| {debt, indebtedness, cash} |
| {cost, operation, labor} |
| {regulation, government, change} |
| {financial, litigation, operation} |
| {competitive, industry, competition} |
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Our reserves for future policy benefits and claims related to our current and future business as well as businesses we may acquire in the future may prove to be inadequate
Differences between actual claims experience and underwriting and reserving assumptions may adversely affect our financial results
We are exposed to concentration risk on our group life insurance business
Catastrophic losses from a disease pandemic could have an adverse effect on us
Catastrophic losses from terrorism or other factors could have an adverse effect on us
We may be exposed to disintermediation risk during periods of increasing interest rates
Our profitability may be adversely affected by declining interest rates
Our investment portfolio is subject to risks of market value fluctuations, defaults, delinquencies and liquidity
Our business is subject to significant competition
A significant downgrade in our financial strength ratings may negatively affect our business
Our profitability may be affected by changes in state and federal regulation
Our business is subject to litigation risk
The concentration of our investments in California may subject us to losses resulting from an economic downturn as well as certain catastrophes in this state
We may be exposed to environmental liability from our commercial mortgage loan and real estate investments
As a holding company, we depend on the ability of our subsidiaries to transfer funds to us in sufficient amounts to pay dividends to shareholders, make payments on debt securities and meet our other obligations
Our business may be affected by employment and wage growth
Our profitability may be adversely affected by declining equity markets
Full 10-K form ▸
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