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related topics |
{loss, insurance, financial} |
{condition, economic, financial} |
{loan, real, estate} |
{tax, income, asset} |
{regulation, change, law} |
{regulation, government, change} |
{operation, natural, condition} |
{capital, credit, financial} |
{competitive, industry, competition} |
{customer, product, revenue} |
{product, liability, claim} |
{debt, indebtedness, cash} |
{cost, operation, labor} |
{financial, litigation, operation} |
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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 and could be material to our operating results and financial condition
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 operating results and financial condition
Actual claims incurred may exceed current reserves established for claims and may adversely affect our operating results and financial condition
Predicting claim expense relating to asbestos, environmental and other discontinued lines is inherently uncertain and may have a material adverse effect on our operating results and financial condition
Regulation limiting rate increases and requiring us to underwrite business and participate in loss sharing arrangements may adversely effect our operating results and financial condition
The potential benefits of our sophisticated risk segmentation process may not be fully realized
Allstate Protection's operating results and financial condition 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 and financial condition
Changes in reserve estimates may adversely affect our operating results
Changes in market interest rates may lead to a significant decrease in the sales and profitability of spread-based products
Changes in estimates of profitability on interest-sensitive life, fixed annuities and other investment products may adversely affect our profitability and financial condition through the amortization of DAC
Narrowing the focus of our product offerings and reducing our concentration in fixed annuities and funding agreements may adversely affect reported results
A loss of key product distribution relationships could materially affect sales and results of operations
Changes in tax laws may decrease sales and profitability of products and adversely affect our financial condition
We are subject to market risk and declines in credit quality which may adversely impact investment income, cause additional realized losses, and cause increased unrealized losses
Deteriorating financial performance impacting securities collateralized by residential and commercial mortgage loans, collateralized corporate loans, and commercial mortgage loans may lead to write-downs and impact our results of operations and financial condition
The impact of our investment strategies may be adversely affected by developments in the financial markets
Concentration of our investment portfolios in any particular segment of the economy may have adverse effects on our operating results and financial condition
The determination of the amount of realized capital losses recorded for impairments of our investments is highly subjective and could materially impact our operating results and financial condition
The determination of the fair value of our fixed income and equity securities results in unrealized net capital gains and losses and is highly subjective and could materially impact our operating results and financial condition
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
Difficult conditions in the economy generally could adversely affect our business and operating results
There can be no assurance that actions of the U.S. federal government, Federal Reserve and other governmental and regulatory bodies for the purpose of stabilizing the financial markets and stimulating the economy will achieve the intended effect
Losses from litigation may be material to our operating results or cash flows and financial condition
We are subject to extensive regulation and potential further restrictive regulation may increase our operating costs and limit our growth
Proposed regulatory reforms, and the more stringent application of existing regulations, may make it more expensive for us to conduct our business
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, which could have a material adverse effect on our operating results and financial condition
A large scale pandemic, the continued threat of terrorism or ongoing military actions may have an adverse effect on the level of claim losses we incur, the value of our investment portfolio, our competitive position, marketability of product offerings, liquidity and operating results
A downgrade in our financial strength ratings may have an adverse effect on our competitive position, the marketability of our product offerings, and our liquidity, operating results and financial condition
Adverse capital and credit market conditions may significantly affect our ability to meet liquidity needs or our ability to obtain credit on acceptable terms
Changes in accounting standards issued by the Financial Accounting Standards Board ("FASB") or other standard-setting bodies may adversely affect our results of operations and financial condition
The change in our unrecognized tax benefit during the next 12 months is subject to uncertainty
The realization of deferred tax assets is subject to uncertainty
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 or a support failure from external providers during a disaster could impair our ability to conduct business effectively
Changing climate conditions may adversely affect our financial condition, profitability or cash flows
Loss of key vendor relationships could affect our operations
Full 10-K form ▸
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