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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1914 | 749 | At December 31, 2002 LNC had $9.1 billion of variable annuity account value, about 25% of LNC’s total, that is subject to a high water mark type GMDB benefit. LNC’s average variable annuity with a high water mark feature has an average account value of $58,400 and average NAR of $19,800. The average attained age of the... | 85 | 10K |
Sampoplc-AR_2014 | 1,141 | When investing in non-Nordic securities, funds or other assets, third party managed investments are mainly used. These investments are primarily used as a tool in tactical asset allocation when seeking return and secondarily in order to increase diversification. | 38 | annual_report |
TopdanmarkAS-AR_2017 | 251 | Topdanmark has redeemed hybrid capital issued in 2007 at a value of EUR 55m on the first possible redemption date, 15 September 2017. The hybrid capital was replaced by a new subordinated tier 1 loan (restricted tier 1 capital notes) of DKK 400m. This loan is perpetual but includes an option enabling Topdanmark to rede... | 62 | annual_report |
654 | 464 | Prior to December 3, 1996, the Company had a joint venture agreement with AMSG whereby the Company underwrote all of the small group health care products and life, dental, drug and disability business sold by AMSG. Amounts related to this agreement, prior to ceded reinsurance, are as follows: | 48 | 10K |
5321 | 1,335 | In addition to its impact on operating earnings, we estimated the effect of the Low Interest Rate Scenario on the mark-to-market of our derivative positions that do not qualify as accounting hedges. We applied the Low Interest Rate Scenario to these derivatives and compared the impact to that from interest rates in our... | 139 | 10K |
NatwestGroupPLC-AR_2008 | 780 | Reverse repurchase agreements and stock borrowing Loans and advances to banks 58,771 174,444 58,771 175,941 Loans and advances to customers 39,289 142,116 39,313 142,357 | 24 | annual_report |
3902 | 1,393 | On January 1, 2006, the Company adopted SFAS No. 123(R)-Share-based Payment (SFAS) No. 123(R). Prior to 2007, neither EHI nor its predecessor, EIG, had any outstanding shares of common stock, and therefore no stock-based payments were made. During 2008 and 2007 the Company issued stock-based payments, and under SFAS No... | 74 | 10K |
4460 | 942 | The Company does not record loans at fair value. As such, valuation techniques discussed herein for loans are primarily for estimating fair value for purpose of disclosure. | 27 | 10K |
5159 | 602 | We began operations in 2007 by participating in a “take-out program” which is a legislatively mandated program designed to encourage private companies to assume policies from Citizens, a Florida state sponsored insurance carrier. Our growth since inception has resulted primarily from a series of policy assumptions from... | 124 | 10K |
NNGroupNV-AR_2016 | 959 | The covenants are intended to be the product of multi-stakeholder dialogue between sector associations, member companies, government, trade unions and civil society organisations. Through these covenants, sector associations can identify leading International Corporate Social Responsibility (ICSR) risks facing their se... | 142 | annual_report |
2966 | 688 | The investment management segment primarily provides securities investment advisory distribution and administrative services for institutional accounts and a group of publicly held investment companies. | 24 | 10K |
HelvetiaHoldingAG-AR_2015 | 2,041 | Total retained earnings as of 31 December 2 994.7 2 997.6 | 11 | annual_report |
1940 | 565 | or 24%, to $1.9 million in 2002 from $2.5 million in 2001. This decrease was attributable primarily to lower interest rates in 2002 compared with 2001. | 26 | 10K |
4732 | 1,072 | cash flows and other factors to determine if an impairment loss may exist, and, if so, estimate fair value. We also must estimate and make assumptions regarding the useful life we assign to our long-lived assets. If these estimates or their related assumptions change in the future, we may be required to record impairme... | 79 | 10K |
4683 | 292 | Commission revenue is recognized as of the effective date of the insurance policy or the date the customer is billed, whichever is later. At that date, the earnings process has been completed, and the Company can reliably estimate the impact of | 41 | 10K |
INGGroepNV-AR_2020 | 3,983 | Framework (IRRF) and our people offer (OPO). Introduced in 2020, OPO sets out ING’s differentiating offer as an employer in the marketplace and states what we ask of our people in return. It gives guidance to our global people practices, while supporting our Think Forward Strategy. The IRRF and | 49 | annual_report |
2677 | 345 | Operating expenses increased 27% in 2004 over 2003, of which 10% was due to the effects of acquisitions and foreign exchange. Expenses in 2004 also include an $850 million charge related to the settlement agreement with the NYAG and the NYSID, charges of $224 million related to Putnam's settlement agreements with the S... | 179 | 10K |
4782 | 1,378 | Net income decreased $10.3 million in 2013 compared to 2012. The largest factor in this decrease was a $14.6 million reduction in net realized investment gains. Also contributing to the decline in net income was a $6.4 million decrease in net investment income and a $9.2 million increase in amortization of deferred acq... | 116 | 10K |
5925 | 835 | The following are the components of our deferred tax assets and liabilities as of December 31, 2020. | 17 | 10K |
StorebrandASA-AR_2012 | 1,724 | The salaries of executive employees are determined based on the position's responsibilities and complexity. Regular comparisons are made with corresponding positions in the market in order to adjust the pay level to the market. Storebrand does not wish to be a pay leader in relation to the sector. | 48 | annual_report |
3551 | 514 | The following discussion and analysis of our historical consolidated financial statements should be read in conjunction with our audited consolidated financial statements and the related notes included elsewhere in this Form 10-K. | 32 | 10K |
5281 | 2,635 | Changes in balances of Level 3 financial assets and liabilities carried at fair value during 2016, 2015 and 2014 are presented below (in millions). The transfers into and out of Level 3 were due to changes in the availability of market observable inputs. All transfers are reflected in the table at fair value as of the ... | 61 | 10K |
ScorSE-AR_2009 | 2,492 | Employees that are resident in France are required to hold the shares for two years from the date of acquisition. | 20 | annual_report |
5264 | 859 | We set premiums for an insured loan at the time the loan is insured, based on our filed rates and rating rules. We offer borrower-paid (BPMI) and lender-paid (LPMI) mortgage insurance options. Premium rates are based on the risk characteristics of each insured loan and the capital required to support particular product... | 88 | 10K |
AdmiralGroupPLC-AR_2019 | 2,372 | The three-year period over which performance will be measured is 1 January 2019 to 31 December 2021. The award is eligible to vest on the third anniversary of the date of grant (i.e. September 2022), subject to performance and to continued employment. Vested awards will be subject to an additional two-year post vest ho... | 66 | annual_report |
5334 | 1,056 | The CMS Premium, the Member Premium and the Low-Income Premium Subsidy represent payments for the Company’s insurance risk coverage under the Medicare Part D program and, therefore, are recorded as premium revenues in the Consolidated Statements of Operations. Premium revenues are recognized ratably over the period in ... | 78 | 10K |
5621 | 1,003 | The decrease in our other underwriting expense ratio excluding the impact of ceding commission revenue and commission expense was driven by a decline of 3.5 points from the impact of employment costs and other expenses attributable to our growing Core business. | 41 | 10K |
fr_axa-AR_2015 | 7,166 | & Saving for €52.8 billion (versus €49.2 billion in 2014) and in Japan Life & Saving for €22.5 billion in 2015 (versus €24.0 billion in 2014); (iii) minimize the cost of Group debt and limit volatility of fi nancial charges, mainly in the Company, with notional amount of €41.8 billion in 2015 versus €58.0 billion in 20... | 129 | annual_report |
SwissLifeHoldingAG-AR_2014 | 2,629 | Receivables from third parties 0 0 tOtal CURReNt assets 323 845 | 11 | annual_report |
AvivaPLC-AR_2019 | 1,965 | Consistency of executive Policy across the Group The Policy for our EDs is designed as part of the remuneration philosophy and principles that underpin remuneration for the wider Group. Remuneration arrangements for employees below the EDs take account of the seniority and nature of the role, individual performance and... | 86 | annual_report |
PosteItalianeSpA-AR_2015 | 635 | Revenue from the placement and distribution of financial products issued by third-party entities is up 5.2%, benefitting, among other things, from increased revenue from the sale of loan products (€123 million in 2015, compared with €108 million in 2014). This reflects the following: • a €146 million increase in the va... | 173 | annual_report |
HannoverRueckSE-AR_2010 | 3,208 | Pursuant to IAS 39 “Financial Instruments: Recognition and Measurement” the “Eurus II” transaction gives rise to a derivative, the fair value of which as at 31 December 2010 was –EUR 6.8 million (EUR 1.5 million) and which we recognised under other liabilities as at the balance sheet date. | 48 | annual_report |
fr_axa-AR_2002 | 1,484 | (1) Excluding a non-recurrent bulk transfer in the first half 2001. | 11 | annual_report |
gb_prudential-AR_2001 | 25 | • Its products are distributed through a number of channels including direct to customers (telephone, internet and mail), through intermediaries including Independent Financial Advisers and consulting actuaries, through the workplace to its corporate pensions customers and via affinities and banks. | 40 | annual_report |
2720 | 625 | Employees performing services for the Company participate in the pension and other employee benefit plans sponsored by EIC. Pension benefits are based on years of service and salary. Pension costs are funded by EIC in amounts sufficient to at least meet ERISA minimum funding requirements. The Company reimburses EIC on ... | 141 | 10K |
2909 | 8,755 | The pension plans target percentage of plan assets at 2005 and the actual percentage of plan assets, by asset category at December 31 are as follows: | 26 | 10K |
AvivaPLC-AR_2018 | 773 | • Our exposure to flood risk for UK residential customers is managed by ceding policies to FloodRe | 17 | annual_report |
SwissReAG-AR_1990 | 642 | Investment income also includes dividend payments of nonconsolidated holdings in the amount of Sw. frs. 51 mil lion (previous year, Sw.frs. 55 million). iI | 24 | annual_report |
Sampoplc-AR_2015 | 1,685 | Change in liabilities for insurance and investment contracts 4 -502 -489 | 11 | annual_report |
BaloiseHoldingLtd-AR_2017 | 1,718 | the Baloise Group’s FX managers enter into currency hedging transactions in the form of forward contracts to limit the currency risk exposure of its net investment in these two foreign entities whose reporting currency is the US dollar. Restricting the implementation of hedging strategies to forward contracts makes it ... | 116 | annual_report |
AssicurazioniGeneraliSpA-AR_2019 | 3,776 | 2 Bank of Italy Circular no. 285/2013 Supervisory provisions for banks - Part I Title IV Chapter 2 Remuneration and Incentive Policies and Practices. 3 No limits for exercising voting rights and for awarding property rights are contemplated during the retention period unless receiving dividends is not provided for. 4 R... | 63 | annual_report |
NatwestGroupPLC-AR_2016 | 736 | ASA. During his executive career he held various roles at Thomson S.A., including Chairman and | 15 | annual_report |
gb_prudential-AR_2013 | 5,575 | Total funds under management 442.9 405.7 * The 2012 comparative results have been adjusted from those previously published for the retrospective application of the new and amended accounting standards described in note A2. | 33 | annual_report |
StorebrandASA-AR_2006 | 1,606 | Sverre Bjørnstad 0 1 Comprises company car, telephone, insurance, concessionary interest rate, other contractual benefits and compensation on termination of employment. 2 The summary shows the number of shares owned by the individual, as well as his or her close family and companies where the individual exercises signi... | 49 | annual_report |
2769 | 1,579 | Provisional losses recoverable were $25.4 million for 2005 and $38.3 million for 2004, and represented amounts due under variable quota-share treaties entered into in 1997, 1996 and 1995, covering the books of business originated by Radian Guaranty in those years. The term of each treaty is 10 years and is non-cancelab... | 223 | 10K |
5396 | 1,454 | This information is presented in the aggregate for all short-duration contracts, due to the commonality of claims characteristics. The tables reflect three years of information because historically over 99% of incurred losses have been paid within three years of the accident period. | 42 | 10K |
4298 | 873 | 2009 compared to 2008-Revenues increased in 2009 due largely to an increase in net premiums written, net of the change in unearned premiums and a decrease in realized net capital losses. Changes in foreign currency exchange rates between the U.S. dollar and the currencies in which premiums are written lessened the incr... | 134 | 10K |
gb_prudential-AR_2006 | 3,943 | The assumptions used for calculating the direct GMIB liability at 31 December 2006 and 2005 are consistent with those used for calculating the GMDB liability. | 25 | annual_report |
AdmiralGroupPLC-AR_2016 | 2,315 | Financial Statements Additional InformationCorporate GovernanceStrategic Report Introduction 131Admiral Group plc · Annual Report and Accounts 2016 | 16 | annual_report |
GjensidigeForsikringASA-AR_2018 | 1,391 | Impairment provisions according to IFRS 9 shall be measured using an expected loss model, instead of an incurred loss model as in IAS | 23 | annual_report |
4107 | 1,844 | The increase in our international mortgage insurance business was largely due to an increase in average invested assets as a result of growth of the business. | 26 | 10K |
GjensidigeForsikringASA-AR_2018 | 1,098 | Write-downs and losses were 0.14 per cent (0.02) of average gross lending. Adjusted for non-recurring items, write-downs and losses were 0.32 per cent (0.36) of average gross lending. | 28 | annual_report |
2490 | 3,562 | With respect to asbestos claims in particular, several additional factors have emerged in recent years that further compound the difficulty in estimating the Company’s liability. These developments include: (a) continued growth in the number of claims filed, in part reflecting a much more aggressive plaintiff bar and i... | 232 | 10K |
4295 | 725 | The following outlines the adoption of recent accounting guidance in 2010. See Note 1 to the Financial Statements for a further discussion. | 22 | 10K |
5732 | 572 | Free cash flow, a non-GAAP measure defined under the caption “Review of Consolidated Results - Free Cash Flow,” was $1,610 million in 2019, an increase of $164 million, or 11%, from $1,446 million in 2018, driven by an increase of $149 million in cash flows in operations and a $15 million decrease in capital expenditur... | 55 | 10K |
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2007 | 2,364 | Claims equalisation provisions – 2,879 – 3,296 1 Adjusted pursuant to IAS 8. | 13 | annual_report |
3763 | 1,370 | Held-to-maturity investments consist mainly of debt securities, loans, lease receivables and trade receivables for which the Company has the ability and intent to hold such investments to maturity. These investments are reported in the consolidated balance sheets at amortized cost. Discounts and premiums are amortized ... | 63 | 10K |
SwissReAG-AR_2013 | 2,423 | Corporate Solutions Admin Re® Group items Total claims paid, thereof: Gross claims paid to external parties –9 553 –8 341 –1 915 –2 868 –18 –22 695 Intra-group transactions (assumed and ceded) –818 –130 818 130 0 claims before receivables from retrocession to external parties –10 371 –8 471 –1 097 –2 738 –18 –22 695 | 56 | annual_report |
gb_lloyds_banking_grp-AR_2014 | 1,838 | – Performance measures and targets 2015 awards will be subject to a three-year performance period, and a two-year holding period following vesting. | 22 | annual_report |
NatixisSA-AR_2014 | 8,434 | AEW Europe, a subsidiary of Natixis Global Asset Management, provides real estate investment advisory services and real estate asset management for third parties. New environmental criteria have been factored into the 2010-2015 sustainable development plan: V for the acquisition of new buildings, only properties that o... | 110 | annual_report |
4596 | 841 | Premiums resulting from audits of actual sales or payrolls that confirmed or adjusted initial premium estimates significantly affected premium trends in recent years. On an earned premium basis, audits contributed $35 million of the $186 million earned premiums increase in 2012 and $46 million of the $43 million earned... | 86 | 10K |
SwissReAG-AR_2003 | 1,322 | With regard to the conditional capital for employee participation purposes, shareholders’ subscription rights are excluded. Such shares may be issued at a price below the prevailing market price. The Board of Directors shall specify the precise conditions of issue. | 39 | annual_report |
RSAInsuranceGroupPLC-AR_2018 | 1,798 | The Executive Directors’ 2018 Annual Bonus Plan consisted of fi nancial and business targets aligned to the Group’s operational plans. These included: Group underlying Return on Tangible Equity (ROTE), Group underlying profi t before tax (PBT), Group combined operating ratio (COR), a Business Scorecard and role-specifi... | 108 | annual_report |
gb_prudential-AR_2014 | 4,616 | (b) In 2014, there was a 90 basis points decline in 10-year treasury rates. For variable annuity business the charge of £(228) million principally reflects the net effect of the consequent decrease in the assumed future rate of return on the underlying separate account assets, resulting in lower projected fee income an... | 86 | annual_report |
NatwestGroupPLC-AR_2013 | 5,322 | Other commitments - these include documentary credits, which are commercial letters of credit providing for payment by the Group to a named beneficiary against presentation of specified documents, forward asset purchases, forward deposits placed and undrawn note issuance and revolving underwriting facilities, and other... | 48 | annual_report |
2288 | 3,320 | Proceeds from sales and maturities of bonds were $607,201, $313,313 and $221,596, for the years ended December 31, 2003, 2002 and 2001, respectively. Proceeds from sales of equity securities were $566 for the year ended December 31, 2001. Gross gains of $11,211, $8,769 and $4,530 were realized on sales of debt and equi... | 134 | 10K |
5315 | 1,452 | Statutory capital and surplus and net income determined in accordance with statutory accounting practices differs from GAAP. The more significant differences from GAAP for Essent Re relate to policy acquisition costs and accounting for insurance and certain reinsurance policies issued in connection with the ACIS progra... | 185 | 10K |
4743 | 1,076 | Following the identification of any potential impairment indicators, to determine whether an impairment exists, we would compare the carrying amount of a finite-lived intangible asset with the undiscounted cash flows that are expected to result from the use of the asset or related group of assets. If it is determined t... | 77 | 10K |
5333 | 1,783 | continue to be rated on average AA. The Company marks all of its available-for-sale securities to fair value through accumulated other comprehensive income or loss. These investments tend to carry less default risk and, therefore, lower interest rates than other types of fixed maturity investments. At December 31, 2016... | 109 | 10K |
AvivaPLC-AR_2014 | 2,610 | Expenses relating to these properties (42) (42) Realised (losses)/gains on disposal 49 (2) Fair value gains on investment properties (note 22) 678 184 | 23 | annual_report |
fr_axa-AR_2011 | 6,293 | The 5 consolidated CDOs at the end of 2010 have been unwound during the year. No CDOs are any longer consolidated. | 21 | annual_report |
HannoverRueckSE-AR_2011 | 2,663 | Supervisory Board for the financial year, the relevant reserve allocations are recognised allowing for any fractional amounts. | 17 | annual_report |
3339 | 3,259 | Excludes investment-grade, available-for-sale fixed-maturity securities held by the Parent Company of $105 in 2007 and $102 in 2006. | 18 | 10K |
4125 | 602 | Through our diversified family of businesses, we leverage core competencies in advanced technology-based transactional capabilities; health care data, knowledge and information; and health care resource organization and care facilitation to make health care work better. These core competencies are focused in two market... | 147 | 10K |
ScorSE-AR_2012 | 4,142 | Net income attributable to ordinary shareholders 418 183,841 2.28 330 183,379 1.80 418 180,125 2.32 | 15 | annual_report |
de_allianz-AR_2004 | 360 | The composition of the Supervisory Board and its committees is set out on pages 8 and 10. | 17 | annual_report |
4820 | 696 | Bad debt expense for the years ended December 31, 2013 and 2012 was a benefit of $50,792 and $98,798, respectively and an expense of $11,465 for the year ended December 31, 2011. | 32 | 10K |
HannoverRueckSE-AR_2003 | 730 | The compensation received by the Supervisory Board comprises fixed and variable components determined by the paid dividend. Appropriate allowance is made for the functions performed by the Chairman and Deputy Chairman when determining the level of compensation paid to the members of the Supervisory Board. In the year u... | 72 | annual_report |
NatixisSA-AR_2018 | 5,139 | Loans and receivables due from customers at amortized cost 8.6.2 69,279 84,512 136,768 | 13 | annual_report |
fr_axa-AR_2014 | 6,596 | shows, for a given column N, the cumulative amount of payments related to years of occurrence prior to and including | 20 | annual_report |
4607 | 1,855 | The following table provides information with respect to the stock options and shares of the Company’s common stock issued (i) to the Company’s employees under the 2004 LTEP and (ii) to employees and directors of companies acquired by the Company in exchange for the options and shares owned by such employees and direct... | 61 | 10K |
4154 | 850 | (1) An increase in statutory reserves for variable annuity guaranteed benefits contributed significantly to the loss in 2008, but was substantially offset by unrealized gains on derivatives which are not included in the statutory income statement, but recorded directly to surplus. These impacts were substantially rever... | 50 | 10K |
fr_axa-AR_2009 | 12,124 | Sienna (Barrister registered in the Rolls of the Court of Sienna since 1993). In 1998, he became Deputy Chairman of the Criminal | 22 | annual_report |
5219 | 614 | The following table presents our combined operating income (loss) and operating income (loss) per diluted common share and provides reconciliations of GAAP net income (loss) to operating income (loss) and GAAP net income (loss) per diluted common share to operating income (loss) per diluted common share for the years e... | 56 | 10K |
nl_ing_grp-AR_2012 | 1,386 | The payment of variable remuneration to the Executive Board will be suspended for as long as the Legislation for financial institutions that have received state support for reasons of financial stability is in force for ING. | 36 | annual_report |
1925 | 390 | The MBS portfolio is subject to interest rate risk since the price volatility and ultimate realized yield are affected by the rate of repayment of the underlying mortgages. The Company attempts to limit interest rate risk on these securities by investing a portion of the portfolio in securities that provide prepayment ... | 72 | 10K |
DirectLineInsuranceGroupPLC-AR_2013 | 1,791 | Following RBS Group’s shareholding in the Company reducing to less than 50% of the Ordinary Shares in the Company, the Company can in its discretion terminate each Executive Director’s service agreement with immediate effect by making a payment in lieu of notice. Service agreements for Executive Directors provide that ... | 84 | annual_report |
LloydsBankingGroupPLC-AR_2014 | 548 | Capital strength During the year, our common equity tier 1 (CET1) capital position has continued to build to 12.8 per cent, increasing by 2.5 per cent in the year, in line with our capital generative strategy. The Group’s EBA and PRA stress testing exercises exceeded the relevant thresholds and the PRA confirmed no req... | 65 | annual_report |
SwissLifeHoldingAG-AR_2016 | 1,214 | Company has a corporate foundation yes yes yes yes AR, p. 105 | 12 | annual_report |
3578 | 1,468 | The increase in net investment income for the year 2006 as compared to 2005 is due to several factors, the most significant being higher average invested funds. The proceeds from the sale of the MEEMIC companies received in early January, the PIC Wisconsin and NCRIC mergers, and positive cash flow generated by our insu... | 63 | 10K |
NatixisSA-AR_2017 | 3,635 | Gross operating income climbed substantially by 26.9% (+28.6% at constant exchange rates) to €935.7 million. | 15 | annual_report |
SwissReAG-AR_2008 | 1,721 | Acquisitions/disposals/ additions 10 –29 Effect of foreign currency translation –67 –404 Fair value of plan assets as of 31 December 3 169 2 676 1 970 1 362 Funded status 426 –151 –242 –280 –462 –325 | 36 | annual_report |
gb_prudential-AR_2010 | 4,645 | Based on profit after tax and non-controlling interests of £2,573m (2009: £1,245m) 12 101.9p 49.8p * Excluding an exceptional tax credit of £158 million which primarily relates to the impact of a settlement agreed with the UK tax authorities – see note 11. | 43 | annual_report |
5617 | 1,849 | In April 2017, in connection with the Contribution Transactions, the Company recognized a $2.7 billion return of capital to MetLife, Inc. See Note 3. During the year ended December 31, 2016, the Company recognized a non-cash return of capital to MetLife, Inc. of $26 million. | 45 | 10K |
GjensidigeForsikringASA-AR_2018 | 1,458 | If the fair value of net assets in the business combination exceeds the purchase price (negative goodwill), the difference is recognised immediately at the acquisition date. | 26 | annual_report |
PosteItalianeSpA-AR_2018 | 2,006 | Given the aging of the Italian population, with the aim of providing concrete support to cope with the difficulties associated with ageing, Poste Vita has developed its product “Sempre Presente”, which guarantees the policyholder income if they lose their independence. This provides financial support enabling them to m... | 81 | annual_report |
SwissLifeHoldingAG-AR_2011 | 608 | The costs of share-based payment programmes for employees are not included in the MCEV, other than to the extent that they are allowed for in the local statutory accounts upon which the shareholder net assets are based. Further information on the costs of share-based payment programmes is given in the Group’s IFRS fina... | 54 | annual_report |
3329 | 616 | Management is of the opinion that the Company’s overall reserving practices have been consistently applied over many years. For at least the past ten years, previously established aggregate reserves have produced reasonable estimates of the cumulative ultimate net costs of claims incurred. However, there are no guarant... | 136 | 10K |
2131 | 623 | Year Ended December 31, ------------------------------- % Increase ($000's) 2002 2001 (Decrease) ------------- ------------- ---------- | 14 | 10K |
967 | 667 | The components of accumulated other comprehensive income (net of taxes) are as follows: | 13 | 10K |
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