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| related topics |
| {regulation, change, law} |
| {condition, economic, financial} |
| {loss, insurance, financial} |
| {tax, income, asset} |
| {financial, litigation, operation} |
| {competitive, industry, competition} |
| {capital, credit, financial} |
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Changes in general economic and market conditions and interest rates may significantly affect the value of the Company s investment portfolio.
Changes in interest rates and in the financial markets may reduce the Company s interest spread income, earnings and sales.
Changes in interest rates may negatively impact the Company s liquidity.
A decline in the equity markets can cause the values of the Company s separate account assets to decline and reduce revenues, increase claims, increase payment obligations under guaranteed contracts and result in the accelerated amortization of deferred policy acquisition costs (DAC).
Deviations from assumptions regarding future persistency, mortality, morbidity and interest rates used in calculating reserve amounts could have a material adverse impact on the Company s consolidated net income.
A decline in the Company s financial strength ratings could adversely affect the Company s operations.
NLIC and NLAIC are subject to extensive regulations designed to benefit or protect policyholders rather than the Company.
Certain changes in federal laws and regulations may adversely affect the Company s financial position or results of operations.
Litigation or regulatory actions in connection with late trading, market timing, compensation and bidding arrangements, unsuitable sales and replacements, the use of finite reinsurance and/or other sales practices could have a material adverse effect on the Company.
Certain changes in accounting and/or financial reporting standards issued by the Financial Accounting Standards Board (FASB), the SEC or other standard-setting bodies could have a material adverse impact on the Company s financial position or results of operations.
The continued threat of terrorism and ongoing military and other actions may result in decreases in the Company s consolidated net income, revenue and assets under management and may adversely affect the Company s consolidated investment portfolio.
The Company operates in a highly competitive industry, which can significantly impact operating results.
Full 10-K form ▸
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