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| related topics |
| {condition, economic, financial} |
| {regulation, government, change} |
| {product, market, service} |
| {operation, natural, condition} |
| {system, service, information} |
| {tax, income, asset} |
| {capital, credit, financial} |
| {financial, litigation, operation} |
| {debt, indebtedness, cash} |
| {regulation, change, law} |
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Product Marketplace and Operational Risks:
The life insurance industry is highly competitive and could limit Torchmark s ability to gain or maintain market share.
Torchmark s life insurance markets are subject to risks of general economic conditions.
Torchmark s life products are sold in selected niche markets. The Company is at risk should any of these markets diminish.
The development and maintenance of Torchmark s various distribution systems are critical to growth in product sales.
Congress could make changes to the Medicare program which could impact Torchmark s Medicare Supplement and Medicare Part D prescription drug insurance business.
Torchmark s Medicare Supplement business could be negatively affected by alternative healthcare providers.
Torchmark s Medicare Supplement business is subject to intense competition primarily on the basis of price which could restrict future sales.
Torchmark s health business is at risk in the event of government-sponsored under-age-65 health insurance.
Our variable annuity business is at risk should equity markets decline.
Changes in mortality, economic conditions, or other market conditions could significantly affect our operation and profitability.
Ratings downgrades could negatively affect Torchmark s ability to compete.
Torchmark s ability to pay dividends, service any of its debt or preferred securities, or meet its other operating commitments is limited by the amounts its subsidiaries are able to pay to the holding company.
The Company s investments are subject to market risks.
A decline in interest rates could negatively affect income.
Regulatory changes could adversely affect our business.
Changes in taxation could negatively affect our income.
Litigation could result in substantial judgments against the Company or its subsidiaries.
Torchmark s business is subject to risk of a catastrophic event.
Full 10-K form ▸
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