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| related topics |
| {loss, insurance, financial} |
| {system, service, information} |
| {regulation, government, change} |
| {tax, income, asset} |
| {loan, real, estate} |
| {capital, credit, financial} |
| {product, market, service} |
| {regulation, change, law} |
| {customer, product, revenue} |
| {condition, economic, financial} |
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Our Loss Reserves are Based on an Estimate of Our Future Liability, and If Actual Claims Prove to be Greater Than Our Reserves, Our Results of Operations and Financial Condition May Be Adversely Affected
Our Results May Fluctuate as a Result of Factors Generally Affecting the Insurance and Reinsurance Industry
If Rating Agencies Downgrade Our Insurance Companies, Our Results of Operations and Competitive Position in the Industry May Suffer
Our Inability to Assess Underwriting Risk Accurately Could Reduce Our Net Income
We May Be Unsuccessful in Competing Against Larger or Better-Established Business Rivals
If We Fail to Comply With Extensive State and Federal Regulations, We Will Be Subject to Penalties, Which May Include Fines and Suspension and Which May Adversely Affect Our Results of Operations and Financial Condition
Decreases in the Fair Market Value of Fixed Maturities May Greatly Reduce the Value of Our Investment Portfolio, and as a Result, Our Financial Condition May Suffer
The Occurrence of Various Events May Adversely Affect Our Ability to Utilize Fully Our Tax Net Operating Loss Carryforwards.
Certain Proposed Federal and State Legislation May, if Adopted, Adversely Affect Our Business
We Rely on Reinsurance Arrangements to Help Manage Our Business Risks, and Failure to Perform by the Counterparties to Our Reinsurance Arrangements May Expose Us to Risks We Had Sought to Mitigate
The Failure to Maintain Effective and Efficient Information Systems Could Adversely Affect Our Business
Failure to Protect Our Policyholder s Confidential Information and Privacy Could Adversely Affect Our Business
Certain Business Arrangements are Terminable by Other Parties
Full 10-K form ▸
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