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| related topics |
| {loan, real, estate} |
| {condition, economic, financial} |
| {regulation, government, change} |
| {financial, litigation, operation} |
| {loss, insurance, financial} |
| {operation, natural, condition} |
| {tax, income, asset} |
| {system, service, information} |
| {investment, property, distribution} |
| {debt, indebtedness, cash} |
| {competitive, industry, competition} |
|
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Competitive factors may adversely affect financial results
The insurance industry is heavily regulated and changes in regulation may adversely affect our results of operations
Potential changes in federal or state tax laws, including changes impacting the availability of the Separate Accounts dividend received deduction, may adversely affect our business, results of operations, and financial condition
Changes in equity markets and other factors may significantly affect our financial results
Changes in equity markets and interest rates affects the profitability of our products with guaranteed benefits, therefore, such changes may have a material adverse effect on our financial results
Defaults in our bonds, private placements and mortgage loan portfolios may adversely affect profitability and shareholder s equity
Changes in market interest rates may adversely affect our financial results
Business and financial results may be adversely affected by an inability to sell assets to meet maturing obligations
Our participation in a securities lending program subjects us to potential liquidity and other risks
Differences between actual claims experience and underwriting and reserving assumptions may require liabilities to be increased, which may have a material adverse effect on our financial results
Environmental liability exposure from our commercial mortgage loan portfolio may adversely affect our results of operations and financial condition
A pandemic, terrorist attack or other catastrophic event may adversely affect our results of operations and liquidity
A computer system failure or security breach may disrupt our business, damage our reputation and adversely affect our results of operations, financial condition and cash flows
Litigation and regulatory investigations may adversely affect our business, results of operations, and financial condition
The Company s election to discontinue new sales at the present time creates a risk that the growth of future revenues may be limited and uncertain. Growth in revenues would thus be dependent on the market performance of the assets underlying the policies and the policy and rider fees received on a potentially declining number of policies in force
Full 10-K form ▸
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