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| related topics |
| {condition, economic, financial} |
| {regulation, change, law} |
| {capital, credit, financial} |
| {loss, insurance, financial} |
| {tax, income, asset} |
| {competitive, industry, competition} |
| {stock, price, operating} |
| {customer, product, revenue} |
| {cost, operation, labor} |
| {financial, litigation, operation} |
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We are subject to changing interest rates, market volatility, and general economic conditions which may affect the risk and returns on both our investment portfolio and our products.
We are subject to general domestic and international economic conditions that may be less favorable than currently exists or is anticipated.
Our investment portfolio is subject to credit quality risks which may lessen the value of invested assets and the Company s book value per share.
We are subject to incurring difficulties in marketing and distributing our products through our current and future distribution channels.
We are subject to a downgrade in our financial strength ratings which may negatively effect our ability to attract and retain independent distributors, make our products less attractive to consumers, and may have an adverse effect on our operations.
We are subject to competition from new sources as well as companies having substantially greater financial resources which could have an adverse impact upon our business levels and profitability.
We are subject to regulation and changes to existing laws that may affect our profitability or means of operations.
We may be subject to unfavorable judicial developments, including the time and expense of litigation, which potentially could affect our financial position and results.
We are subject to policy claims experience which can fluctuate from period to period and vary from past results or expectations.
We are subject to assumption inaccuracies regarding future mortality, persistency, and interest rates used in determining deferred policy acquisition costs.
We are dependent upon managing ever-evolving technology initiatives for effectively managing the Company s business.
Full 10-K form ▸
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