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| related topics |
| {loss, insurance, financial} |
| {condition, economic, financial} |
| {regulation, change, law} |
| {capital, credit, financial} |
| {operation, natural, condition} |
| {acquisition, growth, future} |
| {financial, litigation, operation} |
| {regulation, government, change} |
| {competitive, industry, competition} |
|
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Market fluctuations and general economic, market and political conditions may adversely affect our business and profitability.
Interest rate fluctuations could adversely affect our business and profitability.
If our reserves for future policyholder benefits and claims are inadequate, we may be required to increase our reserves, which would adversely affect our results of operations and financial condition.
Our profitability may decline if mortality rates, or persistency rates differ significantly from our pricing expectations.
We may be required to accelerate the amortization of DAC or VOBA, which could adversely affect our results of operations or financial condition.
A downgrade or potential downgrade in our claims-paying or credit ratings could limit our ability to market products, increase the number or value of policies being surrendered, increase our borrowing costs and/or hurt our relationships with creditors or trading counterparties.
Losses due to defaults by others, including issuers of investment securities or reinsurance and derivative instrument counterparties, could adversely affect the value of our investments or reduce our profitability.
Intense competition could adversely affect our ability to maintain or increase our market share or profitability.
Changes in U.S. federal income tax law or in the income tax laws of other jurisdictions in which we operate could make some of our products less attractive to consumers and increase our tax costs.
Our businesses are heavily regulated and changes in regulation may reduce our profitability.
Legal and regulatory actions are inherent in our businesses and could adversely affect our results of operations or harm our businesses or reputation.
The occurrence of natural or man-made disasters could adversely affect our results of operations and financial condition.
Our risk management policies and procedures may leave us exposed to unidentified or unanticipated risk, which could adversely affect our business.
We face risks arising from acquisitions, divestitures and restructurings, including client losses, surrenders and withdrawals and difficulties in integrating and realizing the projected results of acquisitions and contingent liabilities with respect to dispositions.
Full 10-K form ▸
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