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| related topics |
| {operation, international, foreign} |
| {personnel, key, retain} |
| {loan, real, estate} |
| {capital, credit, financial} |
| {condition, economic, financial} |
| {regulation, change, law} |
| {loss, insurance, financial} |
| {system, service, information} |
| {regulation, government, change} |
| {debt, indebtedness, cash} |
| {financial, litigation, operation} |
|
|
We operate in an industry that is subject to ongoing changes.
Our concentration of business in Japan poses risks to our operations.
Japanese currency translation risk could adversely impact operating results.
General market conditions affect investments and investment income.
Availability of acceptable yen-denominated investments could adversely affect our profits.
Concentration of our investment portfolios in any particular sector of the economy may have an adverse effect on our financial position or results of operations.
If future policy benefits, claims or expenses exceed those anticipated in establishing premiums and reserves, our financial results would be adversely affected.
Our operating subsidiaries provide cash flow to the Parent Company.
Extensive regulation can impact profitability and growth.
Sales of our products and services are dependent on our ability to attract, retain and support a network of qualified sales associates.
Success of our business depends in part on effective information technology systems and on continuing to develop and implement improvements in technology; certain significant multi-year strategic information technology projects are currently in process.
Changes in accounting standards issued by the FASB or other standard-setting bodies may adversely affect our financial statements.
Any decrease in our financial strength ratings may have an adverse effect on our competitive position.
We face risks related to litigation.
Managing key executive succession is critical to our success.
We also face other risks that could adversely affect our business, results of operations or financial condition, which include:
Full 10-K form ▸
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