report_id stringlengths 1 60 | paragraph_nr int64 0 28.3k | text stringlengths 21 14.6k | n_words int64 11 2.31k | filing_type stringclasses 2
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StorebrandASA-AR_2011 | 1,138 | Profit and loss account Storebrand Group 1 January – 31 December | 11 | annual_report |
2392 | 1,694 | Net premiums written in personal lines operations for 2004 and 2003 include $359 million and $159 million, respectively, from the domestic insurance operations of GE that were acquired in August 2003. The increase in net premiums written apart from this acquisition resulted from increased marketing efforts as well as r... | 93 | 10K |
DirectLineInsuranceGroupPLC-AR_2020 | 1,983 | – Our NPS scores measure the likelihood of our customers to recommend one of our brands and showed strong year-on-year performance, exceeding target and achieving top-quartile performance in a range of independent benchmarking studies. | 34 | annual_report |
5346 | 634 | During 2016 and 2014 there were no claims that exceeded our $1.5 million reinsurance retention level. During 2015, there were two claims that exceeded our $1.5 million surety excess of loss reinsurance retention level. | 34 | 10K |
de_allianz-AR_2013 | 1,425 | liMitations Our internal risk capital model expresses the potential “worst-case” amount in economic value that we might lose at a certain confidence level. However, there is a statistically low probability of 0.5 % that actual losses could exceed this threshold at Group level in the course of one year. | 49 | annual_report |
3578 | 1,452 | The overall increase in physician premiums reflects additional premiums from the PIC Wisconsin and NCRIC acquisitions offset by a decrease in premiums written in our organic book of business. The decline in physician premiums in our organic book of business is attributable to several factors. In 2006, our rate increase... | 93 | 10K |
StandardLifeAberdeenPLC-AR_2016 | 1,045 | Other information Under Listing Rule 9.8.4.CR, a listed company must include all information required by LR 9.8.4R in a single identifiable location or cross-reference table. For the purposes of LR 9.8.4CR, the information required to be disclosed can be found in the following locations. All the relevant information cr... | 59 | annual_report |
4523 | 1,167 | Our balance sheet is stronger as a result of the issuance of unsecured notes and the monetization of non-core assets. | 20 | 10K |
208 | 852 | Consolidated Income Statement: Years Ended December 31, 1995, 1994 and 1993 | 11 | 10K |
260 | 488 | Income from continuing operations before cumulative effect of change in accounting principle 255,313 229,896 209,561 | 15 | 10K |
AvivaPLC-AR_2011 | 573 | Products We provide a wide range of general insurance products focused on personal and commercial customers with a business mix of approximately 60% personal lines and 40% commercial lines. Our products include personal motor, home, travel, payment protection, commercial motor, commercial property and commercial liabil... | 105 | annual_report |
2109 | 805 | Under Statement 4, all gains and losses from extinguishment of debt were required to be aggregated, and, if material, classified as an extraordinary item, net of related income tax effect. Statement 145 eliminates Statement 4 and as a result, gains and losses from extinguishment of debt should be classified as extraord... | 236 | 10K |
AvivaPLC-AR_2020 | 1,012 | During 2020 AI continued to enhance their responsible investment processes. This work has included: • Targeting £10 billion of investments into UK infrastructure and real estate projects over the next three years, as pension funds and insurers continue to increase their appetite for such investments. | 45 | annual_report |
1353 | 288 | - generating cash flow from the water rights in Arizona, Nevada and Colorado through pursuing lease agreements or the sale of non-strategic assets; - completing permitting and construction of the MBT Ranch Storage facility and entering into agreements to lease storage capacity to customers; - leasing storage capacity t... | 68 | 10K |
HiscoxLtd-AR_2005 | 1,326 | Income statement (charge)/credit: 973 (12,872) 4,107 (2,018) Transfer from deferred tax to current tax (3,599) – – – Released from reserves 1,950 – – – | 25 | annual_report |
3369 | 1,200 | Foreign currency swaps are used by the Company to reduce the risk from fluctuations in foreign currency exchange rates associated with its assets and liabilities denominated in foreign currencies. In a foreign currency swap transaction, the Company agrees with another party to exchange, at specified intervals, the diff... | 110 | 10K |
5406 | 2,446 | Management has determined that the appropriate level of disaggregation for the incurred and paid claims development information best falls into six categories within its two operating segments. This level of disaggregation is consistent with the Company's historical disclosure levels and provides groupings of the Compa... | 111 | 10K |
INGGroepNV-AR_2020 | 6,907 | • We are subject to additional legal and regulatory risk in certain countries where we operate with less developed or predictable legal and regulatory frameworks. | 25 | annual_report |
de_allianz-AR_2008 | 2,706 | Reserves for insurance and investment contracts include aggregate policy reserves, reserves for premium refunds and other insurance reserves. | 18 | annual_report |
INGGroepNV-AR_2018 | 2,818 | Cash advances, overdrafts and other balances 1 1 3 3 3 4 | 12 | annual_report |
2913 | 51 | The adoption of SOP 03-1 resulted in a change in liabilities associated with the market value adjustment feature that are now reported at the accrued account balance. Prior to the adoption of SOP 03-1, such liabilities had been reported at market adjusted value. | 43 | 10K |
ASRNederlandNV-AR_2011 | 1,975 | Transaction date The date at which ASR Nederland enters into the contractual terms of an instrument. | 16 | annual_report |
5641 | 784 | example, for hurricanes and other severe wind storms, complications often include the inability of insureds to promptly report losses, delays in the ability of claims adjusting staff to inspect losses, difficulties in determining whether losses are covered by our homeowners policy (generally for damage caused by wind o... | 149 | 10K |
5341 | 1,078 | General: CNO is the top tier holding company for a group of insurance companies operating throughout the United States that develop, market and administer health insurance, annuity, individual life insurance and other insurance products. We distribute these products through our Bankers Life segment, which utilizes a ca... | 126 | 10K |
RSAInsuranceGroupPLC-AR_2011 | 1,313 | Changes in shareholders’ interests in subsidiaries – – – – – – – (24) (24) 3 (21) | 17 | annual_report |
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2005 | 1,605 | The following are examples of currently relevant legal risks: – In the pending preliminary antitrust proceedings against victoria Versicherung ag, the Federal Cartel Office imposed a fine in March 2005 for alleged collusion in restraint of competition in industrial insurance business. A fine was also imposed on nine ot... | 73 | annual_report |
1728 | 406 | The company establishes and maintains reserves on contingent liabilities. In many instances, however, it is not feasible to predict the ultimate outcome with any degree of accuracy. While a resolution of these matters may significantly impact consolidated earnings and the Companys consolidated financial position, it re... | 101 | 10K |
5422 | 2,923 | Cash provided by investing activities in 2016 primarily related to net proceeds from available-for-sale securities of $2.7 billion, partially offset by net payments for short-term investments of $1.4 billion. Cash provided by investing activities in 2015 primarily relates to net proceeds from | 42 | 10K |
HelvetiaHoldingAG-AR_2016 | 2,506 | In the reporting period, MoneyPark contributed an expense of CHF 1.1 million to the Group’s results. This relates to writedowns on intangible assets capitalised as part of the acquisition. | 29 | annual_report |
5852 | 632 | (1)Transfers into/out of the Level 3 classification are reflected at beginning-of-period fair values. | 13 | 10K |
4701 | 370 | On July 12, 2013, UPCIC entered into a lease agreement for an office building containing 29,018 square feet adjacent to our headquarters in Fort Lauderdale, Florida. We expect to use this property for additional office and storage space. UPCIC took possession of the office building and began making monthly rental payme... | 117 | 10K |
2835 | 705 | The Personal Lines combined ratio for 2005 decreased 18.1 points over the same period last year, as all components of the combined ratio saw improvements. The loss and LAE ratios improved 14.0 points over 2004 resulting from lower catastrophe losses, favorable development on prior years' reserves and favorable claim fr... | 67 | 10K |
5942 | 850 | •“Summary of Critical Accounting Estimates” explains the most critical estimates and judgments applied in determining our GAAP results. | 18 | 10K |
2358 | 868 | • Call or maturity of fixed maturity investments. Calls of U.S. agency paper in 2004 and 2003 were the primary reason for the increase in calls and maturities of fixed maturity investments. The company has purchased U.S. agency paper with higher coupons and shorter call protection features. | 47 | 10K |
3514 | 1,003 | In October 2007, we were awarded the Department of Veterans Affairs first specialty network demonstration project, known as Project HERO (Healthcare Effectiveness through Resource Optimization), to support healthcare delivery to veterans. The contract is comprised of one base period and four one-year option periods sub... | 59 | 10K |
5513 | 1,317 | Our IIF increased 7.6% in 2018 and we expect our IIF to increase in 2019. Our book of IIF is the main driver of our revenues and earnings, and its growth is driven by our ability to generate NIW and retain existing policies in force, as measured by our persistency. Interest rates influence both our NIW and persistency.... | 93 | 10K |
StandardLifeAberdeenPLC-AR_2014 | 2,297 | The principal assumptions, as set at the start of the year, in respect of gross investment returns underlying the calculation of the expected investment return for equity securities and property are as follows: 2014 2013 UK Canada UK Canada % % % % | 43 | annual_report |
BaloiseHoldingLtd-AR_2016 | 577 | Profit targets for individual business units that factor in their specific risk situation are a major aspect of this risk management system� These targets form part of the overall objectives agreed with local management teams� | 35 | annual_report |
1889 | 854 | Employee Stock Ownership Component - We maintain an ESOP for our qualified employees. Our contributions are discretionary. We may contribute cash or shares of our common stock. No expense was recorded in 2002, 2001 or 2000. | 36 | 10K |
5431 | 897 | The following table sets forth our direct premiums by state from our domestic business for the periods indicated. | 18 | 10K |
5571 | 5,173 | Includes $169 million and $374 million at December 31, 2018 and 2017, respectively, of short-term debt related to repurchase agreements, secured by assets of subsidiaries. | 25 | 10K |
AvivaPLC-AR_2019 | 1,509 | Political donations Aviva did not make any political donations during 2019. | 11 | annual_report |
2405 | 1,339 | delegate regulatory, supervisory and administrative authority to state insurance departments. This system of regulation covers, among other things: | 18 | 10K |
5602 | 8,224 | Variable annuity product design is the first step in managing our exposure to these market risks. Risk mitigation features of our variable annuity product design include GLB rider fees indexed to an equity market volatility index, which can provide additional fee assessments in periods of increased market volatility, r... | 94 | 10K |
HannoverRueckSE-AR_2004 | 458 | Hannover Life Re International has operated as a specialist reinsurer of deferred annuity programmes for more than ten years | 19 | annual_report |
4753 | 1,583 | The following table presents the Company’s unrealized loss aging for AFS securities continuously depressed over 20% by length of time (included in the table above). | 25 | 10K |
PosteItalianeSpA-AR_2019 | 2,539 | It is the most modern and largest logistics facility in the country and one of the most environmentally advanced. In fact, photovoltaic panels covering an area of 5,500 square meters have been installed on the roof of the system and generate more electricity than its daytime energy needs | 48 | annual_report |
2570 | 642 | Issuance of common stock through follow-on stock offering ....... 34,890,085 - - Dividends paid to public stockholders ................... (1,941,181) (1,350,736) (1,405,064) ------------ ------------ ------------ Net cash provided by (used in) financing activities 28,895,003 (5,434,274) 5,498,345 ------------ --------... | 92 | 10K |
2845 | 1,126 | As of December 31, 2005, the Group was party to interest-rate swap agreements with an aggregate notional principal amount of $28,000. For the year ending December 31, 2005, the Group’s net unrealized gain on the interest rate swap agreements recognized in the consolidated statement of earnings was $122. | 48 | 10K |
5053 | 1,796 | As of December 31, 2015 (Successor Company), the Company had a total of 2,548 positions that were in an unrealized loss position, but the Company does not consider these unrealized loss positions to be other-than-temporary. This is based on the aggregate factors discussed previously and because the Company has the abil... | 88 | 10K |
NatixisSA-AR_2006 | 7,156 | Right of pre-emption in the event of non-renewal of the stability period | 12 | annual_report |
gb_prudential-AR_2015 | 3,474 | Notes (i) Assets carried at cost or amortised cost are subject to impairment testing where appropriate under IFRS requirements. This category also includes assets which | 25 | annual_report |
4440 | 1,041 | In 2011, the global insurance and reinsurance markets experienced significant losses from natural catastrophes, including the 2011 flooding events in Australia (the “Australia floods”), the earthquake that struck Christchurch, New Zealand on February 22, 2011 (the “New Zealand earthquake”), the March 11, 2011 earthquak... | 148 | 10K |
463 | 225 | An affiliate of Cross Country purchased, for approximately $2.75 million, the $5.2 million judgment obtained by Acceleration (the "Judgment"). The purchase price of the judgment reflected a $1.4 million payment previously made by the Company. The Cross Country affiliate also agreed, under certain conditions, to take no... | 57 | 10K |
2796 | 2,345 | As we look ahead to 2006, the announced merger with Jefferson-Pilot provides us with new opportunities and challenges. We expect to align the combined business to enhance our focus on the employer-sponsored retirement market and will realign our segments to reflect the new management structure for the employer-sponsore... | 91 | 10K |
fr_axa-AR_2010 | 4,226 | Grant date (Board of Directors or Management Board) 31/03/2006 25/09/2006 25/09/2006 13/11/2006 | 12 | annual_report |
5359 | 2,541 | (Loss) from investment affiliates for the year ended December 31, 2016 was $(2.1) million compared to income of $4.3 million for the year ended December 31, 2015. | 27 | 10K |
4230 | 4,332 | The Company occupies leased office space in many locations under various long-term leases and has entered into numerous leases covering the long-term use of computers and other equipment. Rental expense, net of sub-lease income, incurred for the years ended December 31, 2010, 2009 and 2008 was $230 million, $231 millio... | 54 | 10K |
NNGroupNV-AR_2018 | 54 | Where we stand We exceeded our target to have 30% women in senior management positions by 2020. We will continue to strengthen our efforts in this area. | 27 | annual_report |
de_allianz-AR_2014 | 2,238 | − realized capital gains and losses (net) or impairments of investments (net), as the timing of sales that would result in such realized gains or losses is largely at the discretion of the Allianz Group and impairments are largely dependent on market cycles or issuer-specific events over which the Allianz Group has lit... | 64 | annual_report |
PowszechnyZakladUbezpieczenSA-AR_2016 | 2,655 | • review of interim separate financial statements of PZU and of interim consolidated financial statements of PZU Group. | 18 | annual_report |
BeazleyPLC-AR_2020 | 86 | Find out more in the Chief Executive’s statement on pages 10 to 14 | 13 | annual_report |
RaiffeisenBankInternationalAG-AR_2020 | 8,285 | Raiffeisen Bank International AG, Vienna, and its subsidiaries (“the Group”), which comprise the consolidated statement of financial position as at 31 December 2020, the consolidated statement of comprehensive income, the consolidated statement of changes in equity and the consolidated statement of cash flows for the y... | 56 | annual_report |
gb_prudential-AR_2014 | 2,330 | ack gro u n d an d acco u n tin g p o licies 135 Prudential plc Annual Report 2014 | 21 | annual_report |
4376 | 782 | The valuation of goodwill and intangible assets at acquisition requires assumptions regarding estimated discounted cash flows and market analyses. These assumptions contain uncertainties because they require management to use judgment in selecting the assumptions and applying the market analyses to the individual acqui... | 185 | 10K |
NatwestGroupPLC-AR_2013 | 1,439 | The Group Sustainability Committee is responsible for overseeing and challenging how management is addressing sustainability and reputation issues relating to all stakeholder groups and reports to the Board. For more information on the Committee, see pages 64 and 65. | 39 | annual_report |
5675 | 1,006 | In June 2016, the FASB issued ASU 2016-13, Financial Instruments - Credit Losses (Topic 326). This update replaces the incurred loss impairment methodology for recognizing credit losses on financial instruments with a methodology that reflects an entity's current estimate of all expected credit losses. This update requ... | 339 | 10K |
ASRNederlandNV-AR_2011 | 930 | Risk Strategy & Policy Risk Strategy & Policy is responsible for developing and implementing the ERM framework. Furthermore, it is responsible for managing operational risks. The ASR ERM approach involves the further development of ASR’s risk management culture, risk strategy and the related risk preferences, transpare... | 86 | annual_report |
3738 | 1,216 | In December 2007, the FASB issued SFAS No. 160, Noncontrolling Interests in Consolidated Financial Statements-An Amendment of ARB No. 51,or SFAS 160. SFAS 160 requires a noncontrolling interest in a subsidiary to be reported as equity and the amount of consolidated net income specifically attributable to the Noncontrol... | 112 | 10K |
de_allianz-AR_2017 | 4,607 | The reserves for loss and loss adjustment expenses are divided into case reserves for reported claims as at the reporting date and reserves for incurred but not reported losses (IBNR) as at the reporting date. The case reserves for reported claims are based on the estimates for future claims expenditures, including los... | 81 | annual_report |
fr_axa-AR_2017 | 2,914 | The breakdown of the Group’s Life & Savings technical insurance reserves by product type was as follows: ■ 20% at the end of 2017 (19% at the end of 2016) of the Group’s Life & Savings technical reserves cover separate-account (Unit-Linked) products that do not materially aff ect AXA’s risk exposure. On these products,... | 139 | annual_report |
NatwestGroupPLC-AR_2007 | 2,683 | Net cash flows from investing activities 15,999 6,645 (2,612) (18,035) (550) (2,115) | 12 | annual_report |
5838 | 916 | The following tables provide the carrying value and estimated fair value of our financial instruments that are carried on the accompanying Consolidated Balance Sheets at amounts other than fair value, summarized according to the fair value hierarchy previously described. | 39 | 10K |
5247 | 595 | Nodak Mutual’s combined ratio is the sum of the loss and LAE ratio and the expense ratio and measures its overall underwriting profit. If the combined ratio is below 100%, Nodak Mutual is making an underwriting profit. If its combined ratio is at or above 100%, it is not profitable without investment income and may not... | 63 | 10K |
4776 | 1,031 | On November 9, 2011, our Board declared a $0.05 per share dividend. We paid the $518,000 dividend on December 15, 2011, to stockholders of record on November 30, 2011. | 29 | 10K |
Sampoplc-AR_1999 | 366 | ments. Be au c the re erve are entered a income, and revaluation transferred to reserve and valuation difference are reali ed partly to cover expen es, the deferred tax i not reali ed for thi pare. | 37 | annual_report |
INGGroepNV-AR_2002 | 1,532 | | 20 | annual_report |
608 | 357 | Reinsurance recoverables include ceded reserves for losses and loss adjustment expenses. Ceded unearned premiums of $912,039 and $1,083,877 at December 31, 1997 and 1996, respectively, are included in other assets. All reinsurance contracts maintained by the Company qualify as short-duration prospective contracts. A su... | 53 | 10K |
NatixisSA-AR_2005 | 1,076 | Total capital managed by Natexis Private Equity amounted to B2.3 billion, including funds raised but not yet invested and unrealized capital gains, up 12% or B252 million compared with 2004. The proprietary portfolio accounted for 51 % of total capital managed. The total portfolio breaks down as follows: Expansion capi... | 53 | annual_report |
HelvetiaHoldingAG-AR_2011 | 424 | 3.7 Information and control tools The Board of Directors is kept up to date in a variety of ways concerning the activities of Helvetia, its course of business and trends in the market. | 33 | annual_report |
NatwestGroupPLC-AR_2009 | 4,596 | (Loss)/profit attributable to: Paid-in equity holders 92 57 60 — — — | 12 | annual_report |
5661 | 922 | Severity represents the total amount of claims paid including claim expenses divided by the related RIF on the loan at the time the claim is perfected, and is calculated including claims settled without payment. | 34 | 10K |
2710 | 1,477 | The liability for losses and LAE decreased $28.4 million to $663.5 million as of December 31, 2005 from $635.1 million as of December 31, 2004. The decrease is primarily attributable to reductions in loss and LAE reserves on former fronting programs of approximately $13.0 million, all of which have been terminated and ... | 107 | 10K |
SwissReAG-AR_1992 | 88 | H.-K. Zulauf E. Baumann Members of Senior Management H. Arrenbrecht, M. Becker, H. Hefti, P Schranz, J. Thinnhof | 18 | annual_report |
SwissReAG-AR_2006 | 693 | Governance Risk and capital management a more detailed set of risk limits into their business, including stop loss triggers. CMA, for instance, uses a 10-day 99% VaR to limit and monitor its financial market risk on a daily basis. Group Credit & Financial Market Risk Guidelines define minimum standards for managing fin... | 65 | annual_report |
fr_axa-AR_2011 | 9,583 | AXA has put in place a comprehensive program coordinated by PBRC, (the Internal Financial Control (IFC) programme), designed to ensure that AXA’s Chief Executive Offi cer and | 27 | annual_report |
BeazleyPLC-AR_2015 | 803 | Going concern and viability statement A review of the financial performance of the group is set out on pages 38 to 48. The financial position of the group, its cash flows and borrowing facilities are included therein. | 37 | annual_report |
AegonNV-AR_2014 | 1,686 | Business unit Chief Risk Officers have a direct reporting line into the Group’s Chief Risk Officer or one of the regional Chief Risk | 23 | annual_report |
NatwestGroupPLC-AR_2012 | 4,848 | Cash flow hedging reserve At 1 January 879 (140) (252) Amount recognised in equity 2,093 2,417 180 Amount transferred from equity to earnings (1,087) (993) (59) | 26 | annual_report |
gb_lloyds_banking_grp-AR_2011 | 2,965 | The Group and other major UK banks have voluntarily adopted the Disclosure Code in their 2011 financial statements. The Group’s 2011 financial statements have therefore been prepared in compliance with the Disclosure Code’s principles. | 34 | annual_report |
fr_axa-AR_2000 | 2,959 | Real estate, including real estate acquired in satisfaction of debt, is stated at depreciated cost, less valuation allowances. Real estate acquired in satisfaction of debt is valued at estimated fair value at the date of foreclosure. | 36 | annual_report |
5690 | 1,953 | We determine the discount rates used to value the Company’s pension and postretirement obligations, based upon rates commensurate with current yields on high quality corporate bonds. Given our pension and postretirement obligations as of December 31, 2018, the beginning of the measurement year, if we had assumed a disc... | 171 | 10K |
StandardLifeAberdeenPLC-AR_2006 | 538 | (c) Risk discount rates – new business 10 July 2006 to 31 December 2006 UK Europe shareholder shareholder | 18 | annual_report |
3603 | 233 | CONTRACT BENEFITS decreased 4.6% or $8.7 million in 2007 compared to 2006 due to lower sales of immediate annuities with life contingencies and the absence in 2007 of contract benefits on the reinsured variable annuity business, partially offset by an increase in the implied interest on immediate annuities with life co... | 65 | 10K |
GjensidigeForsikringASA-AR_2019 | 488 | Jostein Amdal (1965) took over as CFO and Executive Vice President for Finance on 1 October 2016. | 17 | annual_report |
gb_prudential-AR_2001 | 657 | Reinsurers’ share of technical provisions Provision for unearned premiums 35 163 5 Long-term business provision 589 353 | 17 | annual_report |
StorebrandASA-AR_2014 | 1,601 | Net income lendings and accounts receivable 3,130 66 3,196 36 3,160 3,033 | 12 | annual_report |
2174 | 1,201 | Other Underwriting-Related Fee Income. Certain assumed reinsurance contracts are deemed, for financial reporting purposes, not to transfer insurance risk, and are accounted for using the deposit method of accounting. For those contracts that contain an element of underwriting risk, the estimated profit margin is deferr... | 82 | 10K |
4163 | 1,039 | primarily due to lower policyholder charges and premiums from our life insurance block including the impact of the completion of the coinsurance transaction with Wilton Re in 2009. See “Premium Collections” for further analysis. | 34 | 10K |
HelvetiaHoldingAG-AR_2013 | 2,013 | 15.1 Transactions with related companies 15.2 Transactions with related persons 15.2 Transactions with related persons 15. Related party transactions | 19 | annual_report |
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