|
| related topics |
| {loss, insurance, financial} |
| {condition, economic, financial} |
| {capital, credit, financial} |
| {tax, income, asset} |
| {regulation, change, law} |
| {financial, litigation, operation} |
| {regulation, government, change} |
| {product, candidate, development} |
| {competitive, industry, competition} |
|
|
Competition could negatively affect the ability of the Company to maintain or increase market share or profitability.
The insurance industry is heavily regulated and changes in regulation may reduce our profitability.
A downgrade or potential downgrade in the Company s financial strength or claims paying ratings could result in a loss of business and negatively affect results of operations and financial condition.
Deviations from assumptions regarding future persistency, mortality, morbidity and interest rates used in calculating reserves for future policyholder benefits and claims could adversely affect the Company s results of operations and financial condition.
The Company may be required to accelerate the amortization of deferred acquisition costs or valuation of business acquired, or recognize impairment in the value of goodwill, which could adversely affect its results of operations and financial condition.
If the companies that provide reinsurance default or fail to perform or the Company is unable to obtain adequate reinsurance for some of the risks underwritten, the Company could incur significant losses adversely affecting results of operations and financial condition.
Interest rate fluctuations could have a negative impact on results of operations and financial condition.
Market fluctuations and general economic conditions may adversely affect results of operations and financial condition.
Changes in U.S. federal income tax law could make some of the Company s products less attractive to consumers and increase our tax costs.
The Company may be subject to litigation resulting in substantial awards or settlements, and this may adversely affect its reputation and results of operations.
The Company s risk management policies and procedures may leave it exposed to unidentified or unanticipated risk, which could adversely affect its business, results of operations and financial condition.
The Company may experience difficulty in marketing and distributing products through its current and future distribution channels.
Full 10-K form ▸
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