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| related topics |
| {loss, insurance, financial} |
| {condition, economic, financial} |
| {provision, law, control} |
| {product, market, service} |
| {loan, real, estate} |
| {competitive, industry, competition} |
| {investment, property, distribution} |
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We cannot guarantee that our reinsurers will pay in a timely fashion, if at all, and, as a result, we could experience losses.
Our results may fluctuate as a result of many factors, including cyclical changes in the insurance industry.
We face competitive pressures in our business that could cause demand for our products to fall and adversely affect our profitability.
Because we are heavily regulated by the states in which we operate, we may be limited in the way we operate.
We could be forced to sell investments to meet our liquidity requirements.
Because our investment portfolio consists primarily of fixed income securities, our investment income could suffer as a result of fluctuations in interest rates.
We are subject to credit risk with respect to the obligations of our reinsurers and the payment of claims by our clients captive, rent-a-captive, large deductible programs, indemnification agreements, or on the portion of risk either ceded to the captives, or retained by our clients. The inability of our risk-sharing partners to meet their obligations could adversely affect our profitability.
Provisions of the Michigan Business Corporation Act, our articles of incorporation and other corporate governing documents and the insurance laws of Michigan, Missouri, California, and Florida may discourage takeover attempts.
Full 10-K form ▸
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