315293--2/26/2010--AON

related topics

{financial, litigation, operation}

{condition, economic, financial}

{regulation, government, change}

{debt, indebtedness, cash}

{cost, operation, labor}

{tax, income, asset}

{operation, international, foreign}

{capital, credit, financial}

{operation, natural, condition}

{regulation, change, law}

{personnel, key, retain}

{acquisition, growth, future}

{loan, real, estate}

{competitive, industry, competition}

Our results may fluctuate due to many factors, including cyclical or permanent changes in the insurance and reinsurance industries. Our results may be adversely affected by changes in the mode of compensation in the insurance industry. Our results may be adversely affected by the impact that disruptions in the credit and financial markets have on our customers and the insurance industry. We face significant competitive pressures in each of our businesses. We may not realize all of the expected benefits from our restructuring plans. Changes in interest rates and deterioration of credit quality could reduce the value of our cash balances and investment portfolios and adversely affect our financial condition or results Our pension obligations could adversely affect our stockholders' equity, net income, cash flow and liquidity. We are subject to a number of contingencies and legal proceedings which, if determined unfavorably to us, would adversely affect our financial results. We are subject to E O claims against us. Our success depends, in part, on our ability to attract and retain experienced and qualified personnel. Our businesses are subject to extensive governmental regulation which could reduce our profitability, limit our growth, or increase competition. Our significant global operations expose us to various international risks that could adversely affect our business. We are exposed to fluctuations in currency exchange rates that could negatively impact our financial results and cash flows. Each of our business lines may be adversely affected by an overall decline in economic activity We have debt outstanding that could adversely affect our financial flexibility. A decline in the credit ratings of our senior debt and commercial paper may adversely affect our borrowing costs, access to capital, and financial flexibility Changes in our accounting estimates and assumptions could negatively affect our financial position and results of operations. We are a holding company and, therefore, may not be able to receive dividends in needed amounts from our subsidiaries. The occurrence of natural or man made disasters could adversely affect our financial condition and results of operations Our inability to successfully recover should we experience a disaster or other business continuity problem could cause material financial loss, loss of human capital, regulatory actions, reputational harm or legal liability. Improper disclosure of personal data could result in legal liability or harm our reputation. In connection with the implementation of our corporate strategy, we face certain risks associated with the acquisition or disposition of businesses. The global nature of our business and the resolution of tax disputes could create volatility in our effective tax rate, could expose us to greater than anticipated tax liabilities and could cause us to adjust previously recognized tax assets and liabilities. The anticipated benefits from the merger with Benfield may not be realized

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315293--2/26/2010--AON_CORP