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related topics

{personnel, key, retain}

{capital, credit, financial}

{debt, indebtedness, cash}

{condition, economic, financial}

If we are unable to maintain a favorable financial strength rating, it may be more difficult for us to write new business or renew our existing business. Our revenues may fluctuate with insurance market conditions. We are a holding company and are dependent on dividends and other payments from our operating subsidiaries, which are subject to dividend restrictions. Our business could be adversely affected by the loss of independent agents. Our business could be adversely affected by the loss of one or more key employees.

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