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| related topics |
| {loss, insurance, financial} |
| {regulation, government, change} |
| {capital, credit, financial} |
| {tax, income, asset} |
| {loan, real, estate} |
| {product, market, service} |
| {cost, contract, operation} |
| {competitive, industry, competition} |
| {stock, price, share} |
| {condition, economic, financial} |
| {regulation, change, law} |
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The Company's Loss Reserves are Based on an Estimate of Its Future Liability, and if Actual Claims Prove to be Greater Than The Company's Reserves, Its Results of Operations and Financial Condition May Be Adversely Affected
The Company's Results May Fluctuate as a Result of Factors Generally Affecting the Insurance and Reinsurance Industry
Decrease in Rates for Reinsurance and Insurance Could Reduce Net Income
If the Rating Agencies Downgrade Independence American, the Company's Results of Operations and Competitive Position in the Industry May Suffer
Adherence by the MGU s to Underwriting Guidelines
Inability to Assess Underwriting Risk Accurately Could Reduce Net Income
If the Company is Unsuccessful in Competing Against Larger or More Well-Established Competitors, Its Results of Operations and Financial Condition Will Be Adversely Affected
If the Company Fails to Comply with Extensive State and Federal Regulations, It Will Be Subject to Penalties, Which May Include Fines and Suspension and Which May Adversely Affect Its Results of Operations and Financial Condition.
Certain Proposed Federal and State Legislation May, if Adopted, Adversely Affect the Company's Insurance Products
Decreases in the Fair Market Value of Fixed Maturities May Greatly Reduce the Value of the Company's Investment Portfolio, and as a Result, the Company's Financial Condition May Suffer
IHC Will Exercise Significant Influence Over the Company's Business and Affairs, Which May Result in Potential Conflicts of Interest Between IHC and the Company; Reliance on IHC's Expertise
The Occurrence of Various Events May Adversely Affect the Company's Ability to Utilize Fully Its Tax Net Operating Loss Carryforwards.
Regulatory Restrictions Limit the Company's Ability to Obtain Dividends from Independence American
Full 10-K form ▸
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