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| related topics |
| {condition, economic, financial} |
| {loan, real, estate} |
| {competitive, industry, competition} |
| {regulation, government, change} |
| {system, service, information} |
| {financial, litigation, operation} |
| {loss, insurance, financial} |
| {product, liability, claim} |
| {regulation, change, law} |
| {customer, product, revenue} |
| {debt, indebtedness, cash} |
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Industry trends could adversely affect our financial results
Competitive factors may adversely affect our market share and financial results
The insurance industry is heavily regulated and changes in regulation may adversely affect our financial results
Changes in tax legislation could make certain insurance products less attractive to consumers
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
The use of a single distribution channel may adversely affect our financial results
The company may elect, for any number of reasons, to discontinue new sales at any point in time. Some of the reasons for discontinuing new business could be due to unfavorable economic conditions, contracting markets, inability to administer newer and innovative products and the ability to raise sufficient capital to cover new business
Inadequate or failed processes or systems, human factors or external events may adversely affect our profitability, reputation or operational effectiveness
Litigation and regulatory investigations may adversely affect our business, results of operations, and financial condition
Full 10-K form ▸
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