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{loss, insurance, financial} |
{loan, real, estate} |
{condition, economic, financial} |
{competitive, industry, competition} |
{regulation, change, law} |
{operation, natural, condition} |
{cost, operation, labor} |
{regulation, government, change} |
{operation, international, foreign} |
{capital, credit, financial} |
{customer, product, revenue} |
{debt, indebtedness, cash} |
{tax, income, asset} |
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APPLICATION OF CRITICAL ACCOUNTING POLICIES
Deferred Policy Acquisition Cost ("DAC") Amortization
Reserve for Property-Liability Insurance Claims and Claims Expense Estimation
Reserve for Life-Contingent Contract Benefits Estimation
DISCONTINUED LINES AND COVERAGES SEGMENT
Discontinued Lines and Coverages Outlook
Net realized capital gains and losses, after-tax
PROPERTY-LIABILITY CLAIMS AND CLAIMS EXPENSE RESERVES
2005 Prior year reserve reestimates
2004 Prior year reserve reestimates
2003 Prior year reserve reestimates
Life and annuity premiums and contract charges
Net realized capital gains and losses
Net Realized Capital Gains and Losses
Foreign currency exchange rate risk
FORWARD-LOOKING STATEMENTS AND RISK FACTORS
Risks Relating to the Property-Liability business
As a property and casualty insurer, we may face significant losses from catastrophes and severe weather events
The nature and level of catastrophes in any period cannot be predicted
Impacts of catastrophes and our catastrophe management strategy may adversely affect premium growth
Unanticipated increases in the severity or frequency of claims may adversely affect our profitability
Actual claims incurred may exceed current reserves established for claims
Predicting claim expense relating to asbestos and other environmental and discontinued lines is inherently uncertain
Regulation limiting rate increases and requiring us to underwrite business and participate in loss sharing arrangements may decrease our profitability
We are subject to assessments from state insurance facilities
The potential benefits of implementing Tiered Pricing may not be fully realized
Allstate Protection may be adversely affected by the cyclical nature of the property and casualty business
Risks Relating to the Allstate Financial Segment
Changes in underwriting and actual experience could materially affect profitability
Changes in reserve estimates may reduce profitability
Changes in market interest rates may lead to a significant decrease in the sales and profitability of spread-based products
Declining equity markets may reduce both sales of products and income from contract charges and may adversely affect operating results and financial condition
Changes in estimates of profitability on interest-sensitive life, fixed and variable annuities and other investment products may have an adverse effect on results through increased amortization of DAC
A loss of key product distribution relationships could materially affect sales
Changes in tax laws may decrease sales and profitability of products
Actions taken to simplify our business model and improve profitability may not be successful and may result in losses and costs
Risks Relating to the Insurance Industry
Our future results are dependent in part on our ability to successfully operate in an insurance industry that is highly competitive
We are subject to market risk and declines in credit quality
Concentration of our investment portfolios in any particular segment of the economy may have adverse effects
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 may be unavailable at current levels and prices, which may limit our ability to write new business
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
Changes in accounting standards issued by the Financial Accounting Standards Board ("FASB") or other standard-setting bodies may adversely affect our financial statements
The ability of our subsidiaries to pay dividends may affect our liquidity and ability to meet our obligations
The occurrence of events unanticipated in our disaster recovery systems and management continuity planning could impair our ability to conduct business effectively
Full 10-K form ▸
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