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| related topics |
| {loan, real, estate} |
| {loss, insurance, financial} |
| {capital, credit, financial} |
| {operation, international, foreign} |
| {operation, natural, condition} |
| {cost, operation, labor} |
| {condition, economic, financial} |
| {regulation, government, change} |
| {interest, director, officer} |
| {stock, price, share} |
| {financial, litigation, operation} |
| {competitive, industry, competition} |
| {regulation, change, law} |
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Adequacy of reserves established for future policy benefits
Life and disability claims can fluctuate from time to time
We are exposed to concentration risk on our group life insurance business
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 in this state
We may be exposed to environmental liability from our commercial mortgage loan and real estate investments
Holding company dividends to shareholders may be affected by limitation on dividends imposed on Standard
Insurance Company ( Standard ) by state insurance
Our business may be affected by employment and wage growth
Full 10-K form ▸
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