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5364
1,193
State and/or federal regulatory scrutiny of health care benefit and life insurance product design and administration and marketing and advertising practices, including the filing of insurance policy forms, the adequacy of provider networks, the accuracy of provider directories, and the adequacy of disclosure regarding ...
79
10K
NatwestGroupPLC-AR_2007
4,739
Approximate weighted average interest rate at year end 4.1% 4.5% 3.5%
11
annual_report
PosteItalianeSpA-AR_2015
5,750
. All figures in the notes are stated in millions of euros. Notes and account analysis have not been included for nil balances.
23
annual_report
GjensidigeForsikringASA-AR_2018
1,178
Competition is still strong in the Norwegian general insurance market. Gjensidige has managed to capitalise on its position as market leader in Norway, and competitiveness remains good. Continued efforts to maintain and further strengthen Gjensidige’s position in the Norwegian market will be prioritised.
43
annual_report
AssicurazioniGeneraliSpA-AR_2015
1,893
The fair value hierarchy levels are based on the type of inputs used to determine the fair value with the use of adequate valuation techniques, which shall maximize the market observable inputs and limit the use of unobservable inputs:  Level 1 inputs are quoted prices (unadjusted) in active markets for identical asse...
64
annual_report
5762
1,084
AIS and PoliSeek are primarily engaged in the marketing and sales of insurance policies in private passenger automobile, commercial automobile and homeowners lines of business. Their revenues primarily consist of commission income received from property and casualty insurers. The primary performance obligation of AIS a...
200
10K
RaiffeisenBankInternationalAG-AR_2017
539
The key regulatory capital ratios also improved: Common equity tier 1 (after deductions) was € 9,266 million at the end of the year, € 662 million higher than at year-end 2016 while taking into account the proposed dividend. Total capital pursuant to the CRR stood at € 12,892 million, corresponding to an increase of € ...
64
annual_report
5809
3,478
•For other awards, MetLife recognizes an expense based on the number of awards it expects to vest, which represents the awards granted less expected forfeitures over the life of the award, as estimated at the date of grant. Unless MetLife observes a material deviation from the assumed forfeiture rate during the term in...
78
10K
5548
688
The following table presents our other income, net for the years ended December 31, 2018, 2017 and 2016 and the dollar change from the prior year (dollars in thousands):
29
10K
PhoenixGroupHoldingsPLC-AR_2010
595
Our monthly customer satisfaction telephone survey for 2010 produced the measure of 4.5 out of a possible 5, where customer satisfaction was reported as at least ‘good’. This compares to 4.3 in 2009. Any customer feedback is analysed and where a number of customers report similar experiences, or a trend is identified, ...
90
annual_report
2583
769
At December 31, 2002, CFC had a total of 20,918 unsold manufactured housing properties (11,939 of which related to off-balance sheet securitizations) in repossession, compared to 15,057 properties (10,814 of which related to off-balance sheet securitizations) at December 31, 2001. CFC reduced the value of repossessed p...
166
10K
AssicurazioniGeneraliSpA-AR_2017
515
The collection from indirect business comes primarily from the reinsurance that is directly accepted by the Parent Company (521,804 thousand versus 532,048 thousand of the previous year) and from the London branch, particularly within the Global Corporate & Commercial segment (434,524 thousand compared with 438,196 tho...
50
annual_report
GjensidigeForsikringASA-AR_2011
1,695
Pension liabilities are measured at the present value of future pension benefits that for accounting purposes are considered as accrued at the reporting date. Future pension benefits are calculated on the basis of expected salary at the time of retirement. Estimated liability at the reporting date is used when measurin...
123
annual_report
PhoenixGroupHoldingsPLC-AR_2019
1,559
Corporate Governance Report continued 96 PHOENIX GROUP HOLDINGS PLC ANNUAL REPORT & ACCOUNTS 2019
14
annual_report
Sampoplc-AR_2008
765
(approximately EUR 9.2 million) and SEK 200 million (approximately EUR 18.4 million) per risk and SEK 200 million per event.
20
annual_report
NatixisSA-AR_2007
9,444
The agreement entered into force on November 17, 2006 for a term of 15 years. Each of the two shareholders may, however, terminate the stability period (inalienability and upper limits)
30
annual_report
4139
468
The following selected Consolidated Financial Data for each of the five fiscal years in the period ended December 31, 2009 have been derived from our Consolidated Financial Statements. Such data should be read in conjunction with Management’s Discussion and Analysis of Financial Condition and Results of Operations in
48
10K
485
318
Securities are classified as available for sale and carried at estimated fair value, unless they meet the Company's criteria to be classified as held to maturity. Such criteria include investment grade bonds with stated maturities less than 10 years. The unrealized investment gains on fixed maturities available for sal...
156
10K
2542
881
Amortization of Deferred Acquisition Costs. Amortization of deferred acquisition costs increased $672,000 or 12%, from $5.5 million for the year ended December 31, 2003 to $6.2 million for the same period in 2004. The increase in amortization primarily resulted from higher gross profits in 2004 primarily due to lower d...
66
10K
fr_axa-AR_2019
4,341
Group Internal Audit sets an annual plan of work, based on an assessment of both the inherent risk and the adequacy of controls as well as consideration of the audit cycle. The plan is formally approved and its performance formally monitored by the Group
44
annual_report
LloydsBankingGroupPLC-AR_2015
158
Helping Britain Prosper and delivering growth in our key customer segments As a customer-focused UK centric bank, our prospects are inextricably linked to the strength of the UK economy, which we continue to support through our strategic net lending targets in our key customer segments and the targets we have set throu...
57
annual_report
PosteItalianeSpA-AR_2015
3,653
Net cash f low from /(for ) investing activities [e] (518,078) (440,747)
12
annual_report
2466
510
On January 25, 2005, our Board of Directors authorized us to pay a dividend of $0.06 per share to all stockholders of record as of March 1, 2005, payable on April 1, 2005. We intend to pay a similar dividend each quarter, assuming we have adequate capital availability, that we continue to be permitted to pay dividends ...
111
10K
1932
884
NLIC has issued group annuity and life insurance contracts and performs administrative services for various employee benefit plans sponsored by NMIC or its affiliates. Total account values of these contracts were $4.50 billion and $4.68 billion as of December 31, 2002 and 2001, respectively. Total revenues from these c...
132
10K
fr_axa-AR_2017
5,271
The annual expense for employee pension and other benefits recorded in the income statement (included in Note 26.1.), for the years ended December 31, 2017 and 2016 is presented below: (in Euro million)
33
annual_report
4191
1,477
Our International segment increased $8 million primarily related to our international mortgage insurance business. The year ended December 31, 2010 included an increase of $1 million attributable to changes in foreign exchange rates.
33
10K
HannoverRueckSE-AR_2017
876
When it comes to expanding and establishing our personnel development measures, we set particularly great store by a range of activities tailored to specific needs and target groups. Our programme of further training, which is open to all employees, encompasses above all offerings in the fields of information technolog...
68
annual_report
4577
625
Other expense increased $87.2, or 13.0%, to $756.9 in 2012, primarily due to increased interest expense resulting from higher outstanding debt balances and financing costs associated with our acquisition of Amerigroup.
31
10K
4999
2,187
Pledged assets or trust accounts. As of December 31, 2014, investments of $5.7 million were pledged to U.S. regulatory authorities and investments of $55.9 million and cash and cash equivalents of $13.0 million were pledged to collateralize obligations under various reinsurance contracts; and
43
10K
1106
276
POLICY BENEFITS increased by 50% in 1998 and 3% in 1997. The increase in 1998 was due to the Transactions and higher volumes of ordinary life reinsurance business. The increase in 1997 was due to an increase in accident and health and special risk pool participations, the 1996 Transactions and the purchase of REALIC in...
222
10K
1709
757
CASH AND CASH EQUIVALENTS, END OF YEAR $ 25 $ 106 ======= =======
13
10K
gb_prudential-AR_2018
7,130
Unwind�of�discount�and�other�expected�returns note (a) 474 465 Change�in�longevity�assumption�basis note (b) 330 195 Other�items note (c) 218 13
15
annual_report
4131
1,006
The decrease in net premiums written in the Americas division was consistent with the 3.9% decrease in gross premiums written.
20
10K
gb_prudential-AR_2019
1,918
A dditional inform ation prudentialplc.com Prudential plc Annual Report 2019 111
11
annual_report
4214
1,626
investment grade corporate securities with a focus on obtaining appropriate yields and duration to match our policyholder liabilities while retaining quality.
21
10K
4264
1,329
The table below summarizes the credit quality of our fixed maturity securities as of December 31, 2010 and 2009, as rated by Standard and Poor’s.
25
10K
ScorSE-AR_2020
5,994
Total amount of exceptional expenditures Pursuant to Article 223 quarter of the French General Tax Code, we remind you that the amount of the expenses and charges referred to in Article 39.4 of said Code for 2020 totals EUR 247,881.
40
annual_report
GjensidigeForsikringASA-AR_2010
102
Norway 2.829 nuMBer oF eMployees per country the group had a total of 3,917 employees at the end of 2010 nuMBer oF eMployees By Business AreA
26
annual_report
4928
765
Adjusted EPS for the year ended December 31, 2013 was $2.00 as compared to $1.19 in 2012. The increase in Adjusted EPS was mainly due to increased gross profit earned from the expansion of the Company's PBM business along with a decrease in the transaction and integration costs related to the Catalyst Merger that the C...
74
10K
1601
230
The United American Independent Agency continues to represent the largest amount of Torchmark's health premium in force and is also growing rapidly. The Agency's $467 million of annualized health premium in force at December 31, 2000, of which $436 million was Medicare Supplement premium in force, was 46% of Torchmark'...
87
10K
5036
1,251
Our management assessed the effectiveness of our internal control over financial reporting as of December 31, 2015. In making this assessment, management used the criteria set forth by the Committee of Sponsoring Organizations of the Treadway Commission in Internal Control - Integrated Framework (2013). Based on this a...
65
10K
2323
628
Our investment strategy with respect to mortgage backed securities (MBS) portfolio focuses on actively traded issues with less volatile cash flows. The majority of the MBS holdings are sequential and planned amortization class tranches of federal agency issuers. The MBS portfolio has been constructed with underlying mo...
64
10K
HannoverRueckSE-AR_2015
281
One response to the more demanding market conditions in the insurance sector has been an appreciable increase in the number of companies joining forces – whether through mergers, acquisitions or equity investments. According to industry analysts, M&A activities among both insurers and reinsurers were more intensive las...
76
annual_report
BaloiseHoldingLtd-AR_2013
827
Granted in 2012 2012 CHF CHF Number of shares CHF Number of shares CHF Number of PSUs CHF Number of shares CHF CHF CHF CHF CHF
26
annual_report
gb_prudential-AR_2015
679
— Underlying free surplus generation1 (net of investment in new business) rose by 15 per cent to £3,050 million.
19
annual_report
2323
484
Total debt and equity securities available-for-sale at December 31, 2003 and 2002 were $18,462 and $16,874.
16
10K
Sampoplc-AR_2015
1,048
To serve its current clients, If P&C is maintaining a Single-A rating and effectively is setting a higher
18
annual_report
RaiffeisenBankInternationalAG-AR_2014
824
Net provisioning for impairment losses (542) (108) 403.8% (212) (144) 46.7%
11
annual_report
4141
1,186
The amortized cost, gross unrealized gains and losses and fair value of the investment portfolio at December 31, 2009 and 2008 are shown below. Debt securities consist of fixed maturities and short-term investments.
33
10K
5172
11,250
Through the first nine months of 2014, OneBeacon recorded $14.3 million of unfavorable loss and LAE reserve development, driven by greater-than-expected large losses in several underwriting units, primarily in the professional and management liability lines within Professional Insurance. In 2015, Professional Insurance...
113
10K
NatixisSA-AR_2009
1,118
J CHANGE IN THE FACIAL VALUE OF SPECIAL PAYMENT VOUCHERS ISSUED OVER 3 YEARS (in millions of euros)
18
annual_report
NatixisSA-AR_2018
389
Natixis Lease continued to roll out its offer in the Banque Populaire and Caisse d’Epargne banks, recording more than 9,000 new orders in long-term vehicle leasing in 2018, and launching a Lease-to-Own solution for retail customers.
36
annual_report
843
736
Income before equity in net earnings of affiliates, extraordinary items and cumulative effect of change in accounting principle of affiliate 9,870 7,145 7,966 8,264 8,587
25
10K
de_allianz-AR_2003
1,773
These are positive conditions for the success of financial services providers, even though they will have no immediate effect on further business developments. Overall, the economic recovery and the surge in the stock markets reduce the need for write-downs and offer improved business opportunities. The banks in partic...
53
annual_report
AegonNV-AR_2019
101
Wellauer will be proposed to join Aegon’s Supervisory Board at the AGM in May 2020.
15
annual_report
2026
804
· our ability to manage the market and credit risks associated with our invested assets,
15
10K
NatixisSA-AR_2008
5,793
Impairment charges and reversals are recorded in the income statement under cost of risk.
14
annual_report
4808
2,664
•fair value measurements of certain financial assets and liabilities. These accounting estimates require the use of assumptions about matters, some of which are highly uncertain at the time of estimation. To the extent actual experience differs from the assumptions used, our consolidated financial condition, results of...
54
10K
ScorSE-AR_2020
5,503
BUNCONSOLIDATED CORPORATE FINANCIAL STATEMENTS OF SCOR SE Notes to the corporate financial statements
13
annual_report
5186
1,266
In April 2015, the FASB issued accounting guidance, “Simplifying the Presentation of Debt Issuance Costs” which requires capitalized debt issuance costs related to a recognized debt liability be presented in the statement of financial position as a direct deduction from the carrying amount of that debt. This standard i...
97
10K
AegonNV-AR_2007
2,331
IFRIC 9 requires an additional assessment to be performed when there is a change in the terms of the contract that significantly modifies the contract’s cash flows. The interpretation prohibits subsequent reassessments to be performed in other instances, with the exception of business combinations for which a scope exc...
77
annual_report
RSAInsuranceGroupPLC-AR_2013
1,530
The 1999 ESOS is an executive share option scheme under which options were granted with an exercise price equal to the fair value of the shares at the date of grant. Any outstanding options expire 10 years from the date of grant. No grants have been made under the 1999 ESOS since 2006. The 1999 ESOS expired in 2009 alt...
90
annual_report
4471
3,669
or confidential relationship claim to go forward. On September 9, 2010, the court granted MLIC’s motion for summary judgment. Plaintiffs appealed this order and on December 7, 2011, the United States Court of Appeals for the Ninth Circuit affirmed the district court’s grant of summary judgment to MLIC, finding no breac...
73
10K
3603
467
When a derivative financial instrument used in a cash flow hedge of an existing asset or liability is no longer effective or is terminated, the gain or loss recognized on the derivative is reclassified from accumulated other comprehensive income to net income as the hedged risk impacts net income, beginning in the peri...
191
10K
1282
272
This pro forma financial information is not necessarily indicative of the actual results that would have occurred had the purchases been made on January 1, 1998 or of the results which may occur in the future.
36
10K
1343
538
Net investment income increased $1.5 million, or 8.6%, from $17.5 million in 1998 to $19.0 million in 1999. The increase was primarily attributable to the inclusion of Tenere, which added approximately $1.9 million of investment income. The overall allocation to tax-free securities decreased from 58% in 1998 to 55% in ...
51
10K
2924
1,126
The maintenance of a Best Capital Adequacy Ratio (BCAR) of at least 150 percent on a consolidated basis, as well as for the primary operating companies.
26
10K
SwissReAG-AR_2003
1,260
Climate change is a fact: average temperatures continue their gradual rise. This phenomenon is likely to increase both the average loss burden from natural catastrophes and its fluctuations – but it will also create new business opportunities in risk cover and management.
42
annual_report
RaiffeisenBankInternationalAG-AR_2009
666
Workforce reductions occurred particularly in Ukraine (2,143), in Russia (1,668), Romania (664), and Bulgaria (426). These personnel measures were implemented in every country in a socially responsible manner and only after exhausting all other alternatives.
35
annual_report
NatixisSA-AR_2010
1,579
Permanent and periodic controls particularly involve conducting and monitoring: ● account justifications; ● clearing of suspense items; ● management/financial accounts reconciliation procedures (balance sheet and income statement); ● compliance with accounting rules regarding the correct allocation of income and expens...
71
annual_report
4225
2,305
AIG also issues certain variable annuity products that offer optional guaranteed minimum withdrawal benefits (GMWB) and guaranteed minimum account value benefits (GMAV). These benefits are embedded derivatives that are required to be bifurcated from the host contract and carried at fair value. The fair value estimates ...
104
10K
HannoverRueckSE-AR_2010
1,396
Cash and cash equivalents at the end of the period1 475.2 457.4
12
annual_report
ScorSE-AR_2017
2,922
Real estate financing is presented in Note 13.2 – Real estate financing.
12
annual_report
StorebrandASA-AR_2018
1,560
The principle applies to both financial assets and other types of assets (such as business assets, etc.) that are owned by customer assets. The technical result that appears in the accounts is used as a basis for the taxation and no permanent or temporary differences for tax purposes will therefore arise.
51
annual_report
gb_prudential-AR_2011
1,897
During 2011, Clark Manning received the following payments: • Salary and benefits were paid to Clark Manning until 31 December 2011; • Clark Manning had a prorated 2011 annual bonus opportunity (4/12ths) based on his length of service as Chairman of Jackson during 2011. On this basis, a cash payment of £725,389 will be...
97
annual_report
4282
1,449
Real estate investments are stated at cost less accumulated depreciation. Generally, the Company depreciates this real estate using the straight-line depreciation method with property lives varying from 30 to 40 years. Accumulated depreciation for real estate totaled $29.4 million and $32.7 million at December 31, 2010...
97
10K
ScorSE-AR_2017
1,635
REPORT ON CORPORATE GOVERNANCE 02Major shareholders and related party transactions 2.3. MAJOR SHAREHOLDERS AND RELATED PARTY TRANSACTIONS
17
annual_report
4292
3,448
Corporate bonds (included in corporate obligations): The fair value of corporate bonds is estimated using recently executed transactions, market price quotations (where observable) and bond spreads. The spread data used are for the same maturity as the bond. If the spread data does not reference the issuer, then data t...
72
10K
4172
1,201
the accrued pension benefit liability would increase by approximately $225 million as of December 31, 2010 resulting in an after-tax decrease to shareholders’ equity of approximately $145 million as of December 31, 2010.
33
10K
3097
1,392
RenaissanceRe is a holding company, and we therefore rely on dividends from our subsidiaries and investment income to make principal and interest payments on our debt and capital securities and to make dividend payments to our preference and common shareholders.
40
10K
4958
765
Development of the accumulated postretirement benefit obligation for the years ended December 31, 2014 and 2013 includes the following:
19
10K
3455
1,812
(1)These obligations include contractual interest and the table reflects scheduled maturities for contractual obligations existing as of December 31, 2007.
20
10K
5276
1,208
The following table provides information on the severity of the unrealized loss position as a percentage of amortized cost for all non-investment grade fixed maturities in an unrealized loss position at December 31, 2016 and 2015:
36
10K
PosteItalianeSpA-AR_2020
10,876
 identification and verification of key controls carried out by the Company over the impairment testing process;  obtaining an understanding of the methods and assumptions adopted by the Company to carry out the impairment test;  verification of the consistency of the methodological approach adopted by the Company, ...
267
annual_report
5077
2,742
Includes $0 million of fair value and $0 million of gross unrealized losses at December 31, 2015, on securities classified as held-to-maturity, a portion of which is not reflected in AOCI.
31
10K
5739
9,186
White Mountains’s pre-tax total return on invested assets was 20.4% for 2019, which included a $115 million pre-tax unrealized investment gain from the MediaAlpha Transaction. Excluding the MediaAlpha Transaction, White Mountains’s pre-tax total return on invested assets was 15.5% for of 2019, compared to -1.7% for 201...
47
10K
4750
1,552
On August 1, 2013, we received notice from Integon that it was terminating, effective August 1, 2013, our participation in the Personal Lines Quota Share. The results of our operations from the quota share represent our Personal Lines Reinsurance segment. The termination is on a run-off basis, meaning we will continue ...
60
10K
gb_prudential-AR_2005
2,209
Where the transfer does not result in the Group transferring the right to receive the cash flows of the financial assets, but does result in the Group assuming a corresponding obligation to pay the cash flows to another recipient, the financial assets are also accordingly derecognised providing the following conditions...
95
annual_report
SwissReAG-AR_2019
5,642
The illustration below shows how the elements of our Group Sustainability Strategy interact with each other: Adjusting our terminology Reflecting our enhanced Group Sustainability Strategy and its accelerating relevance for our business, we have changed our terminology and replaced our former umbrella term of “corporat...
66
annual_report
5930
766
Factors-Risks Relating to Our Industry, Business and Operations” Depending on business opportunities and the mix of business that may comprise our insurance, reinsurance and mortgage portfolios, we may seek to adjust our self-imposed limitations on probable maximum pre-tax loss for catastrophe exposed business and mort...
66
10K
5160
2,434
The tables below present amounts from MetLife Insurance Company USA, which are derived from the statutory-basis financial statements as filed with the Delaware Department of Insurance.
26
10K
2592
5,506
The 2004 underwriting results for the Individual Risk segment decreased to an underwriting loss of $105.8 million, compared to underwriting income of $32.0 million in 2003. The significant decline is primarily attributable to the $158.3 million of negative impact from the four large hurricanes that occurred during the ...
70
10K
gb_prudential-AR_2012
4,925
In 2011, there was a negative 0.5 per cent rate of return for the variable annuity separate account assets. This compared with an assumed longer-term rate of return of 5.4 per cent. Consequently, the asset values and therefore projected future fees at 31 December 2011 were lower than assumed.
49
annual_report
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2015
1,276
We manage our risk exposure actively. This includes restricting our exposure, for example by setting limits and budgets for natural catastrophe risks, with our experts developing scenarios for possible natural events taking into account the scientific factors, occurrence probabilities and potential loss amounts. On the...
119
annual_report
5862
1,206
Accounts payable are obligations to pay for goods or services that have been acquired in the ordinary course of business. Accounts payable are recognized initially at their settlement value and are classified as current liabilities if payment is due within one year or less. Accounts payable as of December 31, 2020 and ...
66
10K
4654
853
On a consolidated basis, at December 31, 2012, we had working capital of $521.1 million compared with $446.2 million at December 31, 2011. At December 31, 2012 we had cash and investments of $1,196.1 million, compared with $893.0 million of cash and investments at December 31, 2011. We believe that our cash resources a...
76
10K
SwissReAG-AR_2020
3,203
• Reputational risk for insurers via insured emissions (eg insurance of thermal coal) may further intensify
16
annual_report
INGGroepNV-AR_2007
1,134
Executive Board base salary 2008 A market-competitive analysis is conducted on an annual basis to ensure market competitiveness. For 2008 the Supervisory Board has concluded to increase the base-salary levels by 5% for all Executive Board members with the exception of Tom McInerney (who is employed on a US-based compen...
51
annual_report
SwissReAG-AR_1997
840
Cultural events 60% Humanitarian aid/ miscellaneous 20% Training/research/ science/ecology/ climate/environment 15% Regions lacking in infrastructure 5%
16
annual_report
DirectLineInsuranceGroupPLC-AR_2017
394
In addition to our partnership with the Government on automated driving systems, the Group continues to build strong collaborative relationships, including with key manufacturers of driverless cars.
27
annual_report