839759--3/17/2008--ALLSTATE_LIFE_INSURANCE_CO_OF_NEW_YORK

related topics
{loss, insurance, financial}
{customer, product, revenue}
{regulation, government, change}
{loan, real, estate}
{operation, natural, condition}
{capital, credit, financial}
{cost, regulation, environmental}
CHANGES IN UNDERWRITING AND ACTUAL EXPERIENCE COULD MATERIALLY AFFECT PROFITABILITY CHANGES IN RESERVE ESTIMATES MAY REDUCE PROFITABILITY A LOSS OF KEY PRODUCT DISTRIBUTION RELATIONSHIPS COULD MATERIALLY AFFECT SALES CHANGES IN TAX LAWS MAY DECREASE SALES AND PROFITABILITY OF PRODUCTS RISKS RELATING TO INVESTMENTS CONCENTRATION OF OUR INVESTMENT PORTFOLIO IN ANY PARTICULAR SEGMENT OF THE ECONOMY MAY HAVE ADVERSE EFFECTS RISKS RELATING TO THE INSURANCE INDUSTRY WE MAY SUFFER LOSSES FROM LITIGATION WE ARE SUBJECT TO EXTENSIVE REGULATION AND POTENTIAL FURTHER RESTRICTIVE REGULATION MAY INCREASE OUR OPERATING COSTS AND LIMIT OUR GROWTH REINSURANCE SUBJECTS US TO THE CREDIT RISK OF OUR REINSURERS AND MAY NOT BE ADEQUATE TO PROTECT US AGAINST LOSSES ARISING FROM CEDED INSURANCE THE CONTINUED THREAT OF TERRORISM AND ONGOING MILITARY ACTIONS MAY ADVERSELY AFFECT THE LEVEL OF CLAIM LOSSES WE INCUR AND THE VALUE OF OUR INVESTMENT PORTFOLIO ANY DECREASE IN OUR FINANCIAL STRENGTH RATINGS MAY HAVE AN ADVERSE EFFECT ON OUR COMPETITIVE POSITION THE OCCURRENCE OF EVENTS UNANTICIPATED IN OUR DISASTER RECOVERY SYSTEMS AND MANAGEMENT CONTINUITY PLANNING COULD IMPAIR OUR ABILITY TO CONDUCT BUSINESS EFFECTIVELY RESULTS OF OPERATIONS OR CASH FLOWS LOSS OF KEY VENDOR RELATIONSHIPS COULD AFFECT OUR OPERATIONS

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