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1485 | 301 | Consolidated Statements of Comprehensive Income for the Years Ended December 31, 1998, 1999 and 2000 37 | 16 | 10K |
ScorSE-AR_2020 | 2,948 | Provisions, contingent assets and contingent liabilities are assessed at the acquisition date for the entities acquired. | 16 | annual_report |
AegonNV-AR_2009 | 4,612 | Egeria for an amount of EUR 212 million. Under the agreement, the nineteen employees affected by the sale will retain their jobs, as well as maintain similar employment conditions. In 2009, | 31 | annual_report |
NatwestGroupPLC-AR_2014 | 1,455 | Given the importance of delivery of the RCR objectives for RBS's future plans, the Committee’s role is an important one. I was appointed | 23 | annual_report |
5862 | 1,113 | (1) Represents net loss per share of Class A common stock and weighted-average shares of Class A common stock outstanding for the portion of the period following the Reorganization Transactions and MediaAlpha, Inc.'s initial public offering described in Note 1- Organization. See Note 12 - Net Loss Per Share for additional details. | 52 | 10K |
5634 | 8,609 | Holding other assumptions constant, a hypothetical decrease of 100 basis points in the discount rate would result in an increase of $612 million, pre-tax, in net periodic pension cost as of December 31, 2018. A hypothetical increase of 100 basis points in the discount rate would decrease net periodic pension cost by $515 million, pre-tax, as of December 31, 2018. This non-symmetrical range results from the non-linear relationship between discount rates and pension obligations. | 74 | 10K |
4321 | 626 | Eliminations represent interest income and related interest expense associated with intercompany notes between the Company’s segments, which are eliminated in the consolidated financial statements. The Company’s inter-segment eliminations were not material for the year ended December 31, 2010. The Company did not record inter-segment eliminations for the years ended December 31, 2009 and 2008, as there was no inter-segment income or expense. | 62 | 10K |
3965 | 1,095 | The fair value of individual invested assets is determined by the use of third party pricing services, independent broker quotes and internal valuation methodologies. See Note 5 to the Consolidated Financial Statements for further discussion of the calculation of fair value for our investments. Below is a summary of the valuation techniques we utilize to measure fair value of the major investment types. There have been no material changes to our fair value methodologies during the year ending December 31, 2009. | 81 | 10K |
5953 | 1,050 | Unrealized investment gains (losses) on fixed maturity securities and the effect on DAC, DSI and future policy benefits, that would result from the realization of the unrealized gains (losses), are included in net unrealized investment gains (losses) in accumulated other comprehensive income (loss) (“AOCI”). | 44 | 10K |
3421 | 5,004 | See Note 10 to our consolidated financial statements and the Debt and Equity Securities and Enterprise Risk Management sections of Management’s Discussion and Analysis of Financial Condition and Results of Operations in this Form 10-K for more information. | 38 | 10K |
1646 | 232 | Over 73% of the Company's assets are composed of investments at December 31, 2001. Less than 1% of these investments, consisting of limited partnerships, do not have readily determinable market values. For these investments, we estimate fair value by reference to the underlying assets of the limited partnerships. All marketable securities are included in the Company's balance sheet at current market value. In determining if and when a decline in market value below cost is other than temporary, we evaluate the market conditions, trends of earnings, price multiples and other key measures for our bonds and common and preferred stocks. When such a decline is considered to be other than temporary, we recognize an impairment loss in the current period operating results to the extent of the decline. Declines which are considered to be temporary are recorded as a reduction in shareholders' equity, net of related federal income tax credits. | 150 | 10K |
3634 | 1,134 | The following tables present Montpelier Bermuda’s net unpaid loss and LAE reserves, by line of business, as of and for the years ended December 31, 2008, 2007 and 2006: | 29 | 10K |
4875 | 867 | Comparison of the Year Ended December 31, 2014 to the Period from April 4, 2013 (Date of Incorporation) to December 31, 2013 | 22 | 10K |
ScorSE-AR_2017 | 5,185 | Quantitative information is not itemized in SCOR’s control and budget monitoring system. However, besides compliance with local standards and regulations as well as the roll-out of a travel policy calling for environmentally aware use of transport, SCOR devotes proportionate means and resources to the prevention of environmental risk and pollution. As described in Section 2.1.2 of this report, the Group’s affiliates deploy environmental management systems on most of their premises where the Group is the sole or main operator/manager. | 79 | annual_report |
2503 | 636 | for Final Expense; performing a controlled introduction through select Managing General Agents who focus on this type of product | 19 | 10K |
SwissLifeHoldingAG-AR_2007 | 2,128 | Due to the requirements of IFRS 4 Insurance Contracts in combination with IAS 19 Employee Benefits, insurance contracts issued to defined benefit plans covering own employees are eliminated. Consequently, amounts totalling CHF 2.3 billion as at 31 December 2007 (2006: CHF 2.1 billion) relating to these insurance contracts are not included in the plan assets. Insurance contracts issued to defined benefit plans covering own employees have been issued in Switzerland and France. These defined benefit plans are typically partially funded as certain plan assets relating to these plans are not required to be eliminated. To the extent these plans are not funded by amounts included in the plan assets, the defined benefit liabilities are backed by the investments relating to the eliminated insurance contracts. These investments are part of the investments presented in the consolidated balance sheet of the Swiss Life Group. | 142 | annual_report |
de_allianz-AR_2002 | 1,867 | All personnel and operating expenses in the banking business are reported under “Acquisition costs and administrative expenses”. | 17 | annual_report |
NatixisSA-AR_2011 | 2,508 | ❚ TABLE 4 Subscription or purchase options allocated during the period to each executive corporate officer by the issuer and by any group companies | 24 | annual_report |
HannoverRueckSE-AR_2010 | 1,022 | The available economic capital is composed of the components of IFRS shareholders’ equity (including minority interests), valuation reserves and hybrid capital. The valuation reserves for non-life reinsurance business primarily relate to the difference between the nominal (undiscounted) loss reserves according to | 41 | annual_report |
AegonNV-AR_2019 | 8,634 | The DNB is responsible for prudential supervision, while the AFM supervises the conduct of business of financial institutions, and the conduct of business on financial markets. The aim of the DNB's prudential supervision is to ensure the solidity of financial institutions and contribute to the stability of the financial sector. With regard to banks, the DNB undertakes its supervisory role, in particular with respect to prudential supervision, together with the European Central Bank (ECB). | 74 | annual_report |
5809 | 1,607 | In addition to the general description of liquidity and capital uses in “- Summary of the Company’s Primary Sources and Uses of Liquidity and Capital” and “- Contractual Obligations,” the Company’s primary uses of liquidity and capital are set forth below. | 41 | 10K |
INGGroepNV-AR_2019 | 3,020 | Total past due, but performing exposure, for consumer loans decreased by EUR 1.1 billion. The improvement was mainly visible in the 1-30 days bucket driven by Belgium and the Netherlands residential mortgages due to macro-economic factors (low unemployment, low inflation and increasing house prices). This was partially offset by the increase in Australia. Less significant decreases were witnessed in the 31-60 and 61-90 days past due buckets mainly driven by the | 71 | annual_report |
2293 | 1,358 | AIG evaluates the financial condition of its reinsurers through an internal reinsurance security committee consisting of members of AIG’s senior management. No single reinsurer is a material reinsurer to AIG nor is AIG’s business substantially dependent upon any reinsurance contract. | 40 | 10K |
AdmiralGroupPLC-AR_2018 | 2,609 | Instalment income and profit commission from reinsurers is not within the scope of IFRS 15 Revenue from Contracts with Customers due to the nature of the income. | 27 | annual_report |
fr_axa-AR_1999 | 1,882 | – Tax paid upon transfers among consolidated entities. The transactions involved the transfer of AXA Belgium, AXA Luxembourg and UAP New Rotterdam, sold by the Company to Royale Belge, and AXA Leben, sold by the UK Life Insurance Group to AXA Netherlands (99) | 43 | annual_report |
AvivaPLC-AR_2011 | 1,130 | % of employees who rate us favourably on leadership index* New KPI 66% 64% 70% Meet/exceed GFS benchmark (2011: 70%) | 20 | annual_report |
StorebrandASA-AR_2017 | 666 | Storebrand has for several years worked systematically on identifying future managerial candidates and promoting even gender distribution. There has been a focused e�ort on management development in the areas of strategic and operative management, communication and change. The aim is to ensure that future competence requirements are met, and to develop Storebrand to meet the changing needs of society and the market. The company seeks to ensure equal treatment and opportunities for all the internal and external recruitment and development processes. We shall contribute to achieving sustainable development goal 5 for gender equality and particularly the sub-goal of equal treatment at the workplace. | 103 | annual_report |
5688 | 11,002 | PlumChoice On November 30, 2018, the Company acquired PlumChoice, Inc. (“PlumChoice”) for $30 million in cash to provide technical support services to Allstate Protection Plans' customers and small businesses. In conjunction with the PlumChoice acquisition, the Company recorded goodwill of $23 million. | 42 | 10K |
3083 | 657 | On June 2, 2005 the Company acquired Adenta, Inc. pursuant to a merger. The Company paid cash consideration of $250,000, assumed interest bearing debt of $241,985, and incurred transaction costs of $47,361, resulting in a total preliminary purchase price of $539,346. The Company deposited $50,000 of the $250,000 of cash consideration into an escrow account pending the results of the net asset valuation analysis prescribed in the escrow agreement completed in May of 2006. | 74 | 10K |
fr_axa-AR_2005 | 1,737 | United States. In 2005, the U.S. economy proved itself strong and resilient despite the effects of several major hurricanes and much higher oil prices positively impacted by a robust housing market, steady growth in corporate profits and outperformance in the energy sector. The Federal Reserve continued to tighten monetary policy increasing short-term interest rates 14 times since June 2004 to 4.50% in order to stem inflationary pressures while foreign investor demand for U.S. Treasury bonds contributed to lower longterm bond yields resulting in a flattening yield curve. In the annuity market, industry sales of variable annuities were up 3%, driven by strong equity markets and the continued popularity of guaranteed living benefit riders. Industry fixed annuity sales decreased 10% as a result of the low interest rate environment and competition from competing products such as bank certificates of deposit. In the life insurance market, total life industry sales were up 2% with continued weakness in variable life market, down 10% from 2004. The variable life business generally lags the movement in the equity market. Sales of life insurance products with fixed returns, such as “universal life”, continued their strong traction in 2005 with industry universal life sales up 13%. Fixed whole life insurance sales decreased 1%, and term insurance sales decreased 2% from 2004. | 214 | annual_report |
AvivaPLC-AR_2016 | 7,364 | Carillion-Igloo Limited2 Ordinary Shares 25 Carillion-Igloo Limited Partnership2 Limited Partnership 25 Carillion-Igloo Nominees Limited2 Ordinary Shares 25 Fairweathers, 7 Chalfont Court, Chalfont Way, Lower Earley, Berkshire, RG6 5SY | 28 | annual_report |
1805 | 567 | Fixed Maturities by Maturity Date - The following table presents the amortized cost and fair value of investments by contractual maturity at December 31, 2001. Actual maturities may differ from those stated as a result of calls and prepayments (000’s): | 40 | 10K |
5371 | 2,249 | In connection with the reorganization of AFG’s Neon Lloyd’s business, in December 2016, AFG undertook a restructuring that included the liquidation for tax purposes of the foreign subsidiary that is the parent of the Neon Lloyd’s operations, resulting in a taxable loss on the liquidation on which AFG reported a $111 million tax benefit in the fourth quarter of 2016. An additional loss associated with the 2016 restructuring was deferred under U.S. tax laws, resulting in an unrecognized potential tax benefit of $48 million at December 31, 2016. On December 29, 2017, AFG entered into agreements under which certain Neon executives acquired an indirect noncontrolling interest in Neon. The sale of the noncontrolling interest in Neon resulted in the recognition for U.S. tax purposes of the loss deferred from the 2016 restructuring. AFG recorded a tax benefit of $56 million in the fourth quarter of 2017 related to the sale of the noncontrolling interest in Neon and the recognition of the previously deferred loss. See Note L - “Income Taxes” to the financial statements. | 174 | 10K |
NatixisSA-AR_2011 | 6,458 | COFACE NORTH AMERICA HOLDING COMPANY Holding FC 100 100 100 100 United States | 13 | annual_report |
NatixisSA-AR_2018 | 12,180 | Subsidiaries Companies in which your Company owns, either directly or indirectly, more than 50% of the share capital | 18 | annual_report |
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2008 | 293 | “We need more realism and common sense”, says CFO Jörg Schneider, summing up the lessons to be learnt from the fi nancial crisis. In the following interview, Munich Re CRO Joachim Oechslin and Jörg Schneider discuss why insurers in particular cannot rely just on statistical models. | 46 | annual_report |
5828 | 1,255 | (2)Represents "transfers out" related to the portion of OTTI losses recognized during the period that were not recognized in earnings for securities with no prior OTTI loss. | 27 | 10K |
5595 | 1,090 | Kemper paid a quarterly dividend to shareholders of $0.24 per common share in each quarter of 2018 and 2017. Dividends paid were $56.4 million and $49.5 million for the years ended December 31, 2018 and 2017, respectively. | 37 | 10K |
4664 | 1,317 | services in foreign countries, including Canada, the United Kingdom, Australia and various other established and emerging markets. | 17 | 10K |
2134 | 1,692 | 2003 and 2002, respectively. In addition to the repurchase of our common stock from Principal we made | 17 | 10K |
SwissLifeHoldingAG-AR_2019 | 2,891 | NET BALANCE AS AT END OF PERIOD –1 012 2 791 348 –10 2 117 68 –301 –232 1 885 | 20 | annual_report |
BeazleyPLC-AR_2020 | 326 | Looking into 2021 we expect consistent growth against our plan and we anticipate further product expansion internationally as well as the continued roll-out of our Global Programmes capabilities. | 28 | annual_report |
AvivaPLC-AR_2008 | 2,969 | (ii) Stock repurchase arrangements Included within financial investments are £383 million (2007: £358 million) of debt securities and other fixed income securities which have been sold under stock repurchase arrangements. The obligations arising under these arrangements are shown in note 48. | 41 | annual_report |
AvivaPLC-AR_2005 | 638 | Foreign currency exchange risk We operate internationally, meaning we are exposed to foreign currency exchange risk arising from changes to the exchange rates of various currencies. Our financial results and competitiveness are also affected indirectly by the domestic currencies of our main competitors, principally sterling and euros. Over half of our premium income arises in currencies other than sterling and net assets are denominated in a variety of currencies. | 69 | annual_report |
BeazleyPLC-AR_2018 | 464 | The amount the group spent on reinsurance in 2018 was $366.8m (2017: $365.0m). As a percentage of gross premiums written it decreased to 14% from 16% in 2017 due to a desire to keep reinsurance spend flat year on year. | 40 | annual_report |
3318 | 1,818 | The sum of the above adjustments related to this recapture, (the “2005 recapture”) is summarized as follows: | 17 | 10K |
TrygAS-AR_2006 | 1,168 | Income statement and balance sheet for TrygVesta / TrygVesta Annual Report 2006 / Page 99 of 147 | 17 | annual_report |
INGGroepNV-AR_2001 | 1,333 | M A I N R E S P O N S I B I L I T I E S : ING Europe/retail market, ING Direct, | 26 | annual_report |
NatwestGroupPLC-AR_2020 | 3,234 | NatWest Group’s core criterion to identify a SICR is founded on PD deterioration, as discussed above. Under the simulations, PDs change and result in exposures moving between Stage 1 and Stage 2 contributing to the ECL impact. | 37 | annual_report |
2991 | 2,107 | The Company is subject to proceedings and lawsuits related to insurance claims and other matters. See Note P of Notes to Consolidated Financial Statements. The Company is required to assess the likelihood of any adverse judgments or outcomes to these matters, as well as potential ranges of probable losses. A determination of the amount of accruals required, if any, for these contingencies is made after careful analysis of each individual issue. The required accruals may change in the future due to new developments in each matter or changes in approach, such as a change in settlement strategy in dealing with these matters. | 102 | 10K |
3893 | 1,258 | The Company is subject to concentration of credit risk with respect to reinsurance ceded to CAR. At December 31, 2008 and 2007, respectively, reinsurance receivables on paid and unpaid loss and LAE with a carrying value of $70,717 and $80,702 and ceded unearned premiums of $18,378 and $25,738 were associated with CAR. The Company assumes a proportionate share of the obligations from CAR. The Company makes an estimate of its share of assumed activity from the most recent quarter reported by CAR and records adjustments to the reported activity to reflect its anticipated final assumed obligations. The Company's participation in CAR resulted in assumed net losses of $4,251, $4,962 and $4,753 for the years ended December 31, 2008, 2007 and 2006, respectively. | 122 | 10K |
AvivaPLC-AR_2014 | 2,433 | Profit on disposal 4 1 A loan between Aviva and Eurovita had been provided against in 2013 as its repayment was uncertain as of 31 December 2013. However, this provision was reversed in 2014 as the loan was repaid in full upon the closing of the sale. | 47 | annual_report |
PhoenixGroupHoldingsPLC-AR_2014 | 373 | MANAGEMENT SERVICES AND IGNIS OPERATING PROFIT Commentary on the management services companies and Ignis operating profit is provided in the Group IFRS operating profit section. | 25 | annual_report |
4312 | 1,968 | During 2010, we recorded $3.1 million in gains on securities transferred from the available for sale category into the trading category. For the years ended December 31, 2010, 2009 and 2008, we did not sell or transfer any fixed-maturity investments classified as held to maturity. | 45 | 10K |
PowszechnyZakladUbezpieczenSA-AR_2014 | 416 | However, it is difficult to project the consequences of the maintaining price drop for a longer period as the mechanisms weakening economic growth and having unfavourable impact on the insurance market in this situation cannot be excluded. | 37 | annual_report |
5148 | 2,360 | General and administrative expenses for the three months ended December 31, 2015, were $24.2 million compared to $19.7 million for the three months ended December 31, 2014, an increase of $4.5 million or 23.0%. | 34 | 10K |
HannoverRueckSE-AR_2018 | 3,705 | Munich (since 7 May 2018) Member of the Supervisory Board of the Association, Association of German Dioceses (VDD), Corporation under Public Law | 22 | annual_report |
4471 | 2,545 | originally assumed when determining net periodic benefit cost for a particular period, resulting in gains or losses. To the extent such aggregate gains or losses exceed 10 percent of the greater of the benefit obligations or the market-related asset value of the plans, they are amortized into net periodic benefit cost over the expected service years of employees expected to receive benefits under the plans. | 65 | 10K |
BeazleyPLC-AR_2020 | 1,627 | Measurement of estimated premium within Gross Written Premium income (Gross Written Premium $3,563.8m, PY comparative $3,003.9m) Refer to the Audit and Risk Committee Report (pages 83 to 88); and Accounting policies (pages 138 and 139). For certain contracts, premium is initially recognised based on estimates of ultimate premium. This occurs where pricing is based on variables which are not known with certainty at the point of binding the policy. Subsequent adjustments to those estimates arise as updated information relating to those pricing variables becomes available and are recorded in the period in which they are determined. These estimates are judgemental and therefore could result in misstatements of revenue recognised in the financial statements. | 113 | annual_report |
5625 | 1,103 | The maximum number of shares available under the LTIP for restricted stock, restricted stock unit awards and performance unit awards settled with stock (i.e., all awards other than stock options and stock appreciation rights) is 3.3 million as of December 31, 2018. | 42 | 10K |
2186 | 1,136 | Insurance float is an important dynamic of White Mountains’ operations that must be managed effectively. Float is money that an insurance company holds for a limited time. In an insurance operation, float arises because premiums are collected before losses are paid. This interval can extend over many years. During that time, the insurer invests the money. When the premiums that an insurer collects do not cover the losses and expenses it eventually must pay the result is an underwriting loss, which is considered to be the cost of float. The amount and cost of float for White Mountains is affected by underlying market conditions, as well as acquisitions or dispositions of insurance and reinsurance businesses. Although insurance float can be calculated using numbers determined under GAAP, insurance float is not a GAAP concept and therefore there is no comparable GAAP measure. | 141 | 10K |
2711 | 965 | Our Lloyd's Syndicate 1221's stamp capacity was £135 million ($246 million) in 2005, £150 million ($275 million) in 2004 and £125 million ($204 million) in 2003. The stamp capacity for 2005 was reduced to £135 million ($246 million) reflective of unused stamp capacity in 2004 coupled with anticipated declining market conditions in 2005. Stamp capacity is a measure of the amount of premium a Lloyd's syndicate is authorized to write as determined by the Council of Lloyd's. Syndicate 1221's stamp capacity is expressed net of commission (as is standard at Lloyd's) of approximately 21%. The Syndicate 1221 premium recorded in our financial statements is gross of commission. We provided 97.5%, 97.4% and 97.4% of Syndicate 1221's total capacity for the 2005, 2004 and 2003 underwriting years, respectively. In 2003, we reinsured 15.4% of our Syndicate 1221 capacity through the utilization of quota share reinsurance agreements to third parties who provide letters of credit used as collateral at Lloyd's. The Lloyd's marine business had been subject to deteriorating pricing beginning in the mid-1990's. The pricing competition showed some signs of stabilizing in 2000 and prices increased in 2001, 2002 and 2003. The 2004 pricing stayed relatively stable and 2005 increased by approximately 2.8%. Lloyd's presents its results on an underwriting year basis, generally closing each underwriting year after three years. We make estimates for each underwriting year and timely accrue the expected results. Our Lloyd's Operations included in the consolidated financial statements represent our participation in Syndicate 1221. In September 2005, the Company purchased the remaining outstanding minority interest and will own 100% of Syndicate 1221's capacity for the 2006 underwriting year. | 271 | 10K |
PowszechnyZakladUbezpieczenSA-AR_2015 | 149 | Protection of property and securing thirdparty property against damage Accident cover Savings | 12 | annual_report |
2143 | 1,101 | We have five reporting segments: title insurance; financial institution processing and outsourcing; real estate information services; specialty insurance; and corporate and other. The title insurance segment consists of our title insurance underwriters and our wholly-owned title insurance agencies. The title segment provides core title insurance and escrow and other title related services including collection and trust activities, trustee’s sales guarantees, recordings and reconveyances. The financial institution processing and outsourcing segment consists primarily of the operations of FIS, which was acquired on April 1, 2003 (see “Recent Developments”). This segment also includes our default management services, which include foreclosure posting and publishing services, loan portfolio services, field services and property management, as well as our Empower and Softpro software products. The real estate information services segment includes property appraisal services, credit reporting, exchange intermediary services in connection with real estate transactions, real estate tax services, property data and disclosure services, flood certification and monitoring, relocation services, multiple listing services and mortgage loan fulfillment services. The specialty insurance segment, consisting of our various non-title insurance subsidiaries, issues flood, home warranty and homeowners insurance policies. The corporate and other segment consists of the operations of the parent holding company and the operations of our wholly-owned equipment-leasing subsidiary. See Note O of Notes to Consolidated Financial Statements for additional segment information and a reconciliation of segment net earnings to our consolidated net earnings. | 229 | 10K |
5650 | 1,074 | Losses on financing receivables are recognized when they are incurred, which requires us to make our best estimate of probable losses. Specific allowances are recorded for individually impaired loans to the extent we have determined that it is probable that we will be unable to collect all amounts due according to original contractual terms of the loan agreement. Certain loans classified as impaired may not require an allowance for loan loss because we believe that we will ultimately collect the unpaid balance (through collection or collateral repossession). The method for calculating the best estimate of losses depends on the type and risk characteristics of the related financing receivable. Such an estimate requires consideration of historical loss experience, adjusted for current conditions, and judgments about the probable effects of relevant observable data, including present economic conditions such as delinquency rates, financial health of market sectors, and the present and expected future levels of interest rates. The underlying assumptions, estimates and | 159 | 10K |
ASRNederlandNV-AR_2015 | 1,370 | DD. Realized gains and losses Realized gains and losses include proceeds from the disposal of investment property, financial assets available for sale, associates and joint ventures. With respect to financial assets available for sale, realized gains or losses comprise: • the proceeds from the sale or disposal of an asset or liability less the amortized cost of the asset or liability sold; • impairments previously recognized (except for equity instruments); • hedge accounting adjustments. | 74 | annual_report |
4116 | 1,422 | See Note 3 for information regarding the freestanding derivatives with positive estimated fair values. Joint venture investments are accounted for on the equity method and represent the Company’s investment in insurance | 31 | 10K |
1167 | 227 | Net premiums written by international offices increased in 1998 by $57.8 million, or 9.3%, over the prior year, to $682.0 million. Most international offices recorded increases in net premiums written, led by Paris and London. TRZ recorded a significant decrease compared to 1997 as a result of the shift of their business to certain other TRH offices, closer to source, and the selective retention of business in core areas. International net premiums written increased significantly in specialty casualty classes (particularly other professional liability), auto physical damage, auto liability and aircraft lines, and decreased significantly in the fire line. International business represented 48.9% of 1998 net premiums written compared to 48.2% in 1997. | 112 | 10K |
5332 | 701 | Operating gain decreased $406.9, or 12.5%, to $2,854.0 in 2015, primarily due to higher than expected medical costs in our Individual business, membership declines in our fully-insured Local Group and Individual lines of business and adjustments to accruals for the Health Care Reform risk adjustment premium stabilization program. These decreases were partially offset by an increase in operating gain in our Local Group business primarily due to improved medical cost performance. The increase in operating gain was further offset by increases in self-funded membership in our Local Group and National Accounts businesses. | 92 | 10K |
TopdanmarkAS-AR_2016 | 118 | Profit on life insurance activities comprises the profit on life insurance plus the investment return of Liv Holding | 18 | annual_report |
NatwestGroupPLC-AR_2016 | 3,580 | (5) The Group may be subject to a PRA buffer requirement as set by the PRA. The PRA buffer consists of two components: - A risk management and governance buffer that is set as a scalar of the Pillar 1 and Pillar 2A requirements. The scalar could range between 10% and 40%. - A buffer relating to the results of the BoE concurrent stress testing results. | 66 | annual_report |
PhoenixGroupHoldingsPLC-AR_2018 | 1,814 | 2 Gains of Directors from share options exercised and vesting shares under the LTIP in 2018 were £nil (2017: £2,533,277). 3 The 2016 LTIP award vested at 49.5% of maximum. 4 All LTIP awards are now subject to a holding period so that any LTIP awards for which the performance vesting requirements are satisfied will not be released for a further two years from the third anniversary of the original award date. | 72 | annual_report |
Sampoplc-AR_2009 | 888 | Environmental and macro analysis• is conducted by the Corporate Strategy unit on an annual basis, where the key trends affecting the insurance industry are identified and their im- | 28 | annual_report |
4493 | 4,923 | In recent periods there have been significant downgrades to many bond issues outstanding including a downgrade of U.S. issued debt during 2011. During the fourth quarter of 2011, the Company took advantage of the unusually high price spreads on U.S. government treasury securities relative to other types of bonds in the marketplace, by selling a portion of its U.S. treasury holdings realizing gains of approximately $6,412,000. The Company began re-deploying its excess cash balances into BBB and BB rated corporate debt issues. Interest spreads on these investments are higher than historic trends and Management believes this is an opportunity to enhance yield and provide more recurring investment income. Lower rated bonds are viewed by the marketplace to inherently hold more risk. The trade-off on this risk is a higher interest yield. Each investment is analyzed prior to acquisition to determine if Management is comfortable with the increased risk relative to the yield. Management believes there are opportunities currently available in this area where certain corporate bond issues have been more harshly impacted by the marketplace than may really be justified. It is this type of bond Management is primarily searching for to invest in. | 194 | 10K |
gb_lloyds_banking_grp-AR_2013 | 6,904 | Fund investments shown in the table above are equity and debt interests in an investment fund representing the Group’s ongoing involvement in financial assets transferred into the fund in a prior year. The fund investments were designated at fair value through profit or loss and are managed on a similar basis to the Group’s trading assets. | 56 | annual_report |
2152 | 761 | Dividends from CCC are subject to the insurance holding company laws of the State of Illinois, the domiciliary state of CCC. Under these laws, ordinary dividends, or dividends that do not require prior approval of the Illinois Department of Insurance (the "Department"), may be paid only from earned surplus, which is calculated by removing unrealized gains from unassigned surplus. As of December 31, 2003, CCC is in a negative earned surplus position. Until CCC is in a positive earned surplus position, all dividends require prior approval of the Department. In January of 2004, the Department approved an extraordinary dividend capacity in the amount of approximately $312.0 million to be used to fund the CNA's 2004 debt service and principal repayment requirements. | 121 | 10K |
2885 | 911 | As of the acquisition date, Penn-America Group, Inc. adjusted its gross and net unearned premium reserves to fair value by (1) discounting the unearned premium reserves and (2) applying a risk margin to the unearned premium reserves. The risk margin utilized to record the gross unearned premium reserves at fair value was 25%. A slightly lower 20% risk margin was utilized to calculate the net unearned premium reserves because of the shorter period of the underlying exposures, which produces a lower degree of variability in the imbedded future profits. Penn-America Group, Inc. discounted the unearned premium reserves based on the present value of the expected underlying cash flows using a risk-free interest rate of 3%, which approximated the U.S. Treasury rate on the acquisition date. The discounting pattern was developed by Penn-America Group, Inc.’s actuarial department based on historical loss data. | 141 | 10K |
3971 | 428 | Our estimated liability for claims payable and corresponding healthcare service expense includes claims incurred but not reported (“IBNR”), claims reported but not yet processed and paid and other healthcare services expenses incurred, including estimated costs of processing outstanding claims and actual amounts of accrued but unpaid payments in respect of our Dental Care Plus provider withhold, if any, which is authorized by our Board of Directors. Our estimated liability for claims payable is based primarily on the average historical lag time between the date of service and the date the related claim is paid, taking into account recent trends in payment rates and the average number of incurred claims per covered individual over a rolling 12 month period. | 118 | 10K |
TopdanmarkAS-AR_2018 | 997 | Change of accounting estimates The Group has updated the assumptions for measurement of the life insurance provisions. This comprises rate of mortality including expected future life expectancies, disability, recovery and surrenders. The updated assumptions have merely had a marginal impact on the life insurance provisions, the profit for the year and the shareholders’ equity. | 54 | annual_report |
3097 | 1,472 | Disclosure (‘‘FAS 148’’). Prior to January 1, 2003, we accounted for stock-based employee compensation under the recognition and measurement provisions of APB Opinion Number 25, Accounting for Stock Issued to Employees, and related interpretations. | 34 | 10K |
5846 | 1,416 | (5)Defined as either the excess of the upper tier, adjusted for a profit margin, less the lower tier, as of the balance sheet date or the amount (if any) that would be required to be added to the total account value to purchase a lifetime income stream, based on current annuity rates, equal to the minimum amount provided under the guaranteed benefit. These amounts represent the Company’s potential economic exposure to such guarantees in the event all contractholders were to annuitize on the balance sheet date. | 86 | 10K |
1645 | 276 | Net earnings derived from interest spread decreased $0.6 million during 2000 as compared to 1999. The reduction in interest spread is primarily a result of the declining number of fixed rate contracts inforce. | 33 | 10K |
GjensidigeForsikringASA-AR_2020 | 2,521 | Net other financial income/(expenses) 1 (53.7) (29.3) Discounting of claims provision classified as interest expense (11.4) (33.2) Change in discount rate claims provision (161.0) (198.1) | 25 | annual_report |
HelvetiaHoldingAG-AR_2018 | 2,331 | The valuation reserve for contracts with participation features comprises the share of unrealised gains and losses on investments relating to contracts with profit participation recognised directly in equity, and the portion from retained earnings arising from valuation differences. The use of the reserves is at the insurer's discretion (see section 2.15.2, from page 85). | 54 | annual_report |
AdmiralGroupPLC-AR_2018 | 2,977 | Impact of reinsurer caps – – – – 4.5 – 4.5 4.5 | 12 | annual_report |
4008 | 625 | The primary differences between the effective tax rate and the federal statutory income tax rate result from the dividends-received deduction (“DRD”), the small life insurance company deduction (“SLD”) and the change in deferred tax asset valuation allowance. The current estimated DRD is adjusted as underlying factors change and can vary from estimates based on, but not limited to, actual distributions from these investments as well as appropriate levels of taxable income. The SLD varies in amount and is determined at a rate of 60 percent of the tentative life insurance company taxable income (“LICTI”). The amount of the SLD for any taxable year is reduced (but not below zero) by 15 percent of the tentative LICTI for such taxable year as it exceeds $3,000 and is ultimately phased out at $15,000. The change in deferred tax asset valuation allowance was due to the reassessment of the realization of tax assets related to certain capital losses on investments as well as other capital loss carryforward benefits. | 165 | 10K |
de_allianz-AR_2009 | 2,366 | – Derivative financial instruments used for hedging purposes that meet the criteria for hedge accounting and firm commitments Fair value | 20 | annual_report |
AvivaPLC-AR_2014 | 3,263 | • In France, where the majority of policyholders’ benefits are determined by investment performance, subject to certain guarantees, and shareholders’ profits are derived largely from management fees. In addition, a substantial number of policies participate in investment returns, with the balance being attributable to shareholders. | 45 | annual_report |
RSAInsuranceGroupPLC-AR_2012 | 1,304 | Committee, the Group Chief Actuary, regional audit or management control committees, the external auditor, the | 15 | annual_report |
NatixisSA-AR_2020 | 9,202 | In accordance with Delegated Regulation No. 2015/63 and Implementing Regulation No. 2015/81 supplementing the BRRD Directive on ex-ante contributions to financing mechanisms for the resolution, the Single Resolution Board set the level of contributions to the Single Resolution Fund for 2019. The contributions paid to the fund may be made in the form of cash guarantee deposits which are recorded as assets on the balance sheet (up to a maximum of 15% of the contributions called up) and contributions recognized in the income statement under the item “Taxes and regulatory contributions”. | 91 | annual_report |
5361 | 1,687 | The following table presents the Company’s financial assets and liabilities measured at fair value by level at December 31, 2016: | 20 | 10K |
SwissLifeHoldingAG-AR_2010 | 2,948 | PRODUCT INNOVATION — The new capital requirements are causing insurers to reduce guarantees on their balance sheets. However, guarantees respond to a real customer need, particularly in difficult times. In order to resolve this conflict of interest, innovative solutions are required, such as Swiss Life Champion Timeplan, a payout plan with guaranteed monthly payments. | 54 | annual_report |
3726 | 442 | EXPENSES - -------- Incurred policy losses represent the provision for loss and loss adjustment expense for "incurred but not reported" (IBNR) losses attributable to surety bonds issued by FSC since its acquisition in December 2005. Incurred policy losses for fiscal 2008 have been recorded as $135,867 or 30.0% of earned premium as compared to $98,873 or 31.5% of earned premium for fiscal 2007. IBNR loss estimates have been based on industry averages adjusted for factors that are unique to the FSC's underwriting approach. FSC has experienced no claims for losses as of May 31, 2008. | 95 | 10K |
Sampoplc-AR_2016 | 542 | During 2016, the members of the Group Executive Committee participated in the long-term incentive schemes 2011 I and 2014 I for Sampo Group's key employees. | 25 | annual_report |
5460 | 2,707 | The increase in investment in operating joint ventures for 2016, compared to 2015, primarily reflects the impact of the Company’s investment in AFP Habitat in Chile. The increase in investment in operating joint ventures for 2017, compared to 2016, primarily reflects the impact of the Company’s investments in Enterprise Group Limited in Ghana and CT Corp in Indonesia. | 58 | 10K |
AegonNV-AR_2014 | 3,132 | EUR 7,622 million (2013: EUR 6,514 million). The loan to value (LTV) amounted to approximately 57% (2013: 59%). Of the portfolio 0.23% (2013: 0.24%) is in delinquency (defined as 60 days in arrears). In 2014, Aegon Americas recognized EUR 8 million impairments | 42 | annual_report |
DirectLineInsuranceGroupPLC-AR_2016 | 2,958 | Loans and receivables Deposits with credit institutions with maturities in excess of three months – 44.9 Infrastructure debt 337.0 329.6 Commercial real estate loans 79.7 – | 26 | annual_report |
de_allianz-AR_2007 | 2,836 | The share options allow for exercise at any time after the vesting period and before expiration, provided that: – on the date of exercise, the RAS share price is at least 20 % higher than the average share price in January of the grant year (for share options granted during the year ended December 31, 2001, the hurdle is 10 %), and | 62 | annual_report |
ASRNederlandNV-AR_2010 | 913 | 2.26 Cash and cash equivalents Cash and cash equivalents include cash in hand, deposits held at call with banks and other short-term highly liquid investments with original maturities of three months or less. | 33 | annual_report |
SwissReAG-AR_2010 | 59 | Admin Re® Our Admin Re® solutions benefit clients by reducing administrative costs and freeing capital. We can outperform in this field through our proven execution capability in more than 50 transactions. We expect to see growth in the availability of portfolios and will pursue further deals when sellers offer suitable closed books at attractive market valuations. | 56 | annual_report |
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