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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1678 | 1,150 | The Company has an agreement with an unrelated company whereby the unrelated company reinsures the morbidity risks of the group long-term disability contracts. Under this agreement, certain long-term disability benefits are reinsured on a yearly renewable term basis. The agreement provides that the unrelated company wi... | 60 | 10K |
gb_prudential-AR_2014 | 211 | Our products are designed to provide peace of mind to our customers, whether that be in relation to saving for retirement or insuring against the risks of illness, death or critical life events. Satisfied customers are a key driver of our growth as they become our advocates, recommending our products and services to th... | 57 | annual_report |
de_allianz-AR_2017 | 1,165 | The share of the Asia-Pacific region declined as positive effects, mostly from third-party AuM net inflows, were dampened by negative foreign currency translation effects as well as the deconsolidation of | 30 | annual_report |
5527 | 1,259 | Investments in fixed income are classified as available-for-sale. Securities are classified as available-for-sale when Atlas may decide to sell those securities due to changes in market interest rates, liquidity needs, changes in yields or alternative investments, and for other reasons. Available-for-sale securities ar... | 70 | 10K |
TrygAS-AR_2009 | 999 | Berit Torm Elected by the employees Born 1959. Joined the Supervisory Board in 2008. | 14 | annual_report |
4940 | 400 | Beginning in the fourth quarter of 2008, the federal government, including through the Federal Deposit Insurance Corporation (“FDIC”) and the GSEs, and several lenders implemented programs to modify loans to make them more affordable to borrowers with the goal of reducing the number of foreclosures. During 2012, 2013 a... | 114 | 10K |
383 | 287 | Earnings per common and common equivalent share: As reported............................. $ .56 $ .35 Pro forma............................... $ .55 $ .31 | 19 | 10K |
AvivaPLC-AR_2005 | 477 | – Retain financial flexibility by maintaining strong liquidity, access to a range of capital markets and significant unutilised committed credit lines | 21 | annual_report |
1903 | 452 | OUR INSURANCE SUBSIDIARIES ARE SUBJECT TO MINIMUM CAPITAL REQUIREMENTS. OUR FAILURE TO MEET THESE REQUIREMENTS COULD SUBJECT US TO REGULATORY ACTIONS OR RESULT IN THE TERMINATION OF OUR BLUE CROSS AND BLUE SHIELD LICENSE AGREEMENTS. | 35 | 10K |
1802 | 221 | Premium revenue from the unprofitable GPPO major medical product was $36.0 million, $38.2 million and $17.5 million for 2001, 2000 and 1999, respectively. The Company discontinued marketing this product in June 2000 and has been continuously implementing significant premium rate increases since that date. The premium r... | 116 | 10K |
5377 | 892 | We expect to see continued favorable sales and premium growth trends in 2018 and a consistent level of adjusted operating earnings growth as a result of accelerating investments in our future growth. The lower interest rate environment will continue to have an unfavorable impact on our profit margins, and volatility in... | 123 | 10K |
NatwestGroupPLC-AR_2015 | 1,445 | • Building on established processes and ways of working, new professional Standards Frameworks set out the relevant knowledge, skills, attitudes and behaviours expected of RBS employees in their role, to embed good conduct and an appropriate culture. | 37 | annual_report |
3078 | 3,720 | Description of Business: Aflac Incorporated (the Parent Company) and its subsidiaries (the Company) primarily sell supplemental health and life insurance in the United States and Japan. The Company’s insurance business is marketed and administered through American Family Life Assurance Company of Columbus (Aflac), whic... | 122 | 10K |
TrygAS-AR_2002 | 172 | Shares Most of the equities are in the Danish and Norwegian portfolios, while the Polish, Estonian and TBi portfolios contain almost no shares. | 23 | annual_report |
de_allianz-AR_2003 | 3,072 | § 5 (10) of the Statutes of the Joint Fund for Securing Customer Deposits we have undertaken to indemnify the Federal Association of | 23 | annual_report |
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2014 | 2,256 | In the ERGO Life and Health Germany segment, assumptions regarding future mortality, lapses and profit participation, and regarding long-term interest-rate levels were adjusted in 2014 on the basis of the long-term regular return on investments. Overall, the adjustment led to impairment losses of deferred acquisition c... | 46 | annual_report |
4095 | 3,986 | Also during 2008, the Company classified its commercial mortgage securitization operations as a divested business, reflecting its decision to exit this business. As a result of this decision, these operations, which involved the origination and purchase of commercial mortgage loans that it in turn would aggregate and s... | 141 | 10K |
3053 | 1,165 | Obligations under investment agreement contracts are recorded as liabilities on the Company’s consolidated balance sheet based upon proceeds received plus unpaid accrued interest at the balance sheet date. Upon the occurrence of certain contractually agreed-upon events, some of these funds may be withdrawn prior to the... | 146 | 10K |
4431 | 724 | We anticipate that the ever-to-date rescission rate on the more recent quarters will increase as the ever-to-date resolution percentage moves closer to 100%. | 23 | 10K |
Sampoplc-AR_2007 | 1,721 | The changes in the fair value reserve are disclosed in the Statement of changes in equity on p. 48. Other income and expenses comprise rental income, maintenance expenses and depreciation of investment property. All the income and expenses arising from investments are included in Net income from investments. Gains/ | 49 | annual_report |
2885 | 500 | Property and general liability net premiums written were $447.3 million for 2005, compared with $217.2 million for 2004, an increase of $230.1 million or 105.9%. The increase in property and general liability net premiums written primarily resulted from the merger with Penn-America Group, Inc. and reduced reinsurance c... | 74 | 10K |
gb_lloyds_banking_grp-AR_2007 | 1,939 | Tax charge thereon at UK corporation tax rate of 30% 1,200 1,274 | 12 | annual_report |
2737 | 589 | Interest Expense. Interest expense decreased approximately $178,000 to $309,000 in 2005 from $487,000 in 2004. Approximately $132,000 of the decrease is attributable to the reduction in the surplus note balance which occurred in October 2004 as part of the Conversion which was previously discussed above under Part I, I... | 70 | 10K |
5491 | 3,895 | • investments to upgrade our technology and underwriting processes challenge our management of general operating expenses. | 16 | 10K |
2118 | 941 | compared to PMI’s historic loss experience, evidenced by lower claim amounts, a robust real estate market and strong home price appreciation. | 21 | 10K |
fr_axa-AR_2001 | 882 | Property & Casualty Segment plus the insurance operations within the International Insurance Segment) and | 14 | annual_report |
RaiffeisenBankInternationalAG-AR_2017 | 2,634 | Positive fair values of derivatives (hedging) 0 521,959 0 0 644,693 0 1 Including other derivatives | 16 | annual_report |
5814 | 1,610 | (3) For policies with an occurrence limit up to $10.0 million, the excess casualty treaty is set such that our retention is no more than $1.0 million. | 27 | 10K |
AegonNV-AR_2018 | 5,412 | Aegon the Netherlands also has a post-retirement medical plan that contributes to the health care coverage of employees and beneficiaries after retirement. For this plan, Aegon the Nederlands has the responsibility to administer the plan in accordance with its terms, and decides on questions related to eligibility and ... | 99 | annual_report |
BaloiseHoldingLtd-AR_2012 | 25 | Dividend per share 4 (CHF) 4.50 4.50 0.0 1 Premiums written and policy fees (gross). | 15 | annual_report |
ASRNederlandNV-AR_2016 | 494 | • Financial cover for risks incurred by customers: Solvency II ratio | 11 | annual_report |
3614 | 875 | extent, to Central European floods and European Windstorm Erwin. Such net catastrophe costs include net ceded reinstatement premiums of $61.1 million (domestic $56.2 million; international $4.9 million). Approximately $123.9 million of net catastrophe costs included in international operations relate to hurricanes occu... | 67 | 10K |
NatixisSA-AR_2019 | 1,635 | Chairman of the Board 2.4.2.1 of Directors – Compensation and benefits of any kind paid during the 2019 fiscal year and/or granted in respect of this fiscal year | 28 | annual_report |
5453 | 1,632 | For the year ended December 31, 2017 (Successor Company), there were no transfers from Level 2 to Level 1. | 19 | 10K |
3111 | 912 | Workers Compensation. This strategy includes six key underwriting initiatives that focus on predictive modeling, premium leakage, premium audit procedures, and other operational improvements. In addition, multiple claims initiatives include medical bill review services, medical and pharmacy networks, case management, a... | 45 | 10K |
gb_prudential-AR_2010 | 1,529 | The peer group used for the 2008 and 2009 GPSP awards was comprised of the organisations listed below plus Friends Provident (Friends Provident was removed from the comparator group for outstanding and future awards in November 2009 when it delisted). The organisations listed will also comprise the peer group used for ... | 54 | annual_report |
4882 | 952 | Ambac has a formal impairment review process for available for sale securities in its investment portfolio. Ambac conducts a review each quarter to identify and evaluate investments that have indications of possible impairment that is other than temporary in accordance with the Investments - Debt and Equity Securities ... | 163 | 10K |
3965 | 853 | We develop, sell and support a variety of immediate and deferred annuities, including fixed, equity-indexed and variable products. We sell these products through independent agents, brokers, financial institutions, and multiple line and employee agents. Segment financial results for the periods indicated were as follow... | 48 | 10K |
3281 | 1,230 | Non-commission expenses - Since we generally do not allocate non-commission expenses to individual business lines, to measure homeowner profitability, we use a personal lines segment commission and underwriting expense ratio of approximately 33 percentage points to determine an estimated homeowner combined ratio. Lower... | 70 | 10K |
1585 | 169 | (1) Used by WCNY and WCMG. (2) Used by WCNY. (3) Used by FirstChoice. | 14 | 10K |
de_allianz-AR_2015 | 2,423 | Current interest rate – – – – – 4.47 % – – | 12 | annual_report |
AegonNV-AR_2016 | 4,240 | The interim dividend 2014 for common shares B amounted to 1/40th of the dividend paid on common shares. | 18 | annual_report |
2323 | 448 | In addition to these three assumptions all UL-type, VUL and VA products contain an additional assumption that affects the DAC and VOBA amortization. This critical assumption is the rate of growth of the separate account mutual funds that generate additional policy fees utilized in the EGP on VUL and VA products. We ass... | 130 | 10K |
StandardLifeAberdeenPLC-AR_2007 | 494 | Customers and employees In common with the rest of the Group, all Asia Pacific operations are committed to maintaining the highest level of customer service. Each operation recognises the importance of its workforce, and consequently a considerable investment is made in ensuring ongoing development of its employees, pa... | 52 | annual_report |
GjensidigeForsikringASA-AR_2013 | 1,531 | The following financial assets are classified as level three in the valuation hierarchy • Unlisted private equity-investments. The private equity investments that are not organized as funds are valued using cash flow analysis, price multiples and recent market transactions. The private equity investments that are organ... | 162 | annual_report |
1513 | 137 | The remaining business activities of MMC and its subsidiaries are conducted principally in leased office space in cities throughout the world. In general, no difficulty is anticipated in negotiating renewals as leases expire or in finding other satisfactory space if the premises become unavailable. From time to time, | 48 | 10K |
4284 | 653 | For the year ended December 31, 2010, interest earned on notes receivable from affiliate was $4.9 million compared to $3.1 million for the same 2009 period. Our Credit Agreements with State Auto Mutual were entered into during the second quarter of 2009. | 42 | 10K |
3574 | 826 | Unrealized gains and losses on derivative financial instruments are a function of changes in the estimated fair value of our credit derivative contracts. We enter into credit derivative contracts which require us to make payments upon the occurrence of certain defined credit events relating to an underlying obligation ... | 172 | 10K |
3828 | 887 | At December 31, 2008, we also had $390 million principal amount of 9% Convertible Junior Subordinated Debentures due in 2063. At issuance, within the $390 million principal amount was an embedded derivative with a value of $16.9 million. The amount of the derivative is treated as a discount on issuance and is being amo... | 79 | 10K |
NatixisSA-AR_2010 | 6,797 | 2.2.3 AGREEMENT REGARDING MIFID BETWEEN NATIXIS, BPCE AND CRÉDIT FONCIER DE FRANCE (CFF) | 13 | annual_report |
BeazleyPLC-AR_2015 | 989 | • appoint and review the performance of remuneration committee consultants, currently Deloitte LLP. | 13 | annual_report |
3310 | 635 | Expected loss ratios are selected by reserve cell, by accident year, based upon reviewing forecasted losses and indicated ultimate loss ratios predicted from aggregated pricing statistics. Indicated ultimate loss ratios are calculated using the selected loss emergence pattern, reported losses and earned premium. If the... | 107 | 10K |
HiscoxLtd-AR_2020 | 23 | Travel bans and restrictions were soon followed by event cancellations. Our UK team worked with small- to medium-sized businesses to provide support and find solutions. One example was Motorcycle Live 2020, a Birmingham-based show representing the best of the British motorcycle industry. With a global audience, cancell... | 86 | annual_report |
AegonNV-AR_2013 | 1,633 | Key inputs for our risk preferences include expected returns, alignment with customer interests, the existing risk exposures and other risk characteristics. | 21 | annual_report |
NatixisSA-AR_2015 | 5,974 | 5 FINANCIAL DATAConsolidated fi nancial statements and notes 10.2.4 Breakdown of collective provisions by business sector | 16 | annual_report |
ScorSE-AR_2015 | 2,360 | The primary source of capital used by the Group is equity shareholders’ funds and subordinated debts. The leverage ratio as at December 31, 2015 is 27.5%. For a description of the leverage ratio, please refer to Section 1.3.6 – Financial position, liquidity and capital resources. | 45 | annual_report |
fr_axa-AR_2010 | 700 | Autorité de contrôle des assurances et des mutuelles (“ACAM”), which was the principal French insurance regulator. | 16 | annual_report |
582 | 651 | The Company experienced an underwriting loss (net premiums earned minus losses and LAE incurred and underwriting expenses) of $261.7 million for the year ended December 31, 1995, compared to an underwriting gain of $11.1 million in 1994. The change in the underwriting result was due to the charge for loss reserve stren... | 151 | 10K |
gb_prudential-AR_2008 | 2,832 | Other adjustments to restate these amounts to a regulatory basis (with SAIF and the WPSF on a Peak 2 realistic basis)note v 3 643 646 (474) 30 (41) 161 | 29 | annual_report |
5534 | 623 | Gross expenses represent total insurance expenses before the deferral of any policy acquisition costs. Gross expenses decreased for 2018 compared with 2017 and 2016 primarily due to decreases in compensation expense. Operating expenses decreased for 2018 compared with 2017 and 2016 primarily due to decreases in gross e... | 48 | 10K |
fr_axa-AR_1999 | 3,662 | Item 17: Financial Statements The following financial statements and schedules are filed as part of this Annual Report, together with the report of the independent accountants. | 26 | annual_report |
5668 | 3,051 | requirements. As of December 31, 2019 and 2018, Genworth Mortgage Insurance Corporation’s (“GMICO”) risk-to-capital | 14 | 10K |
gb_prudential-AR_2012 | 1,402 | The Committee also reviews confl icts of interest or potential confl icts of interest raised by directors between Board meetings and for prospective Board members. In cases where there might be an actual or potential confl ict of interest the Committee has powers to authorise any such actual or potential confl ict situ... | 98 | annual_report |
Sampoplc-AR_2018 | 359 | The companies received a negative pre-ruling on the tax treatment of the transaction on 29 May 2018. Despite the ruling Mandatum Life and Danske Bank agreed on 19 June 2018 to continue their co-operation as agreed in | 37 | annual_report |
4477 | 574 | The Company provides for federal, state and foreign income taxes currently payable, as well as those deferred due to temporary differences between the financial reporting and tax bases of assets and liabilities. The Company’s accounting for income taxes represents management’s best estimate of various events and transa... | 115 | 10K |
de_allianz-AR_2009 | 1,803 | 5) With effect of December 31, 2009 the profit participation certificates issued by Allianz SE have been called for redemption pursuant to Section 6 § 4 of the conditions of the profit participation certificates. As of January 4, 2010 holders received a cash compensation of € 103.32 for each profit participation certif... | 85 | annual_report |
AvivaPLC-AR_2009 | 3,971 | (ii) The contractual undiscounted cash flows in relation to non-hedge derivative liabilities have the following maturities: Within one year 1,238 1,001 151 Between one and two years 155 285 100 Between two and three years 66 32 20 Between three and four years 74 43 20 Between four and five years 51 69 21 After five yea... | 60 | annual_report |
de_allianz-AR_2003 | 3,240 | In 2003, pensions and other benefit payments for former members of the Board of Management amounted to ¤8.2 (2002: 13) mn. ¤4.2 | 22 | annual_report |
2941 | 966 | Our Workers’ Compensation Insurance segment began writing business in January 2004, and results of this segment for 2003 consisted only of $5,000 of investment income, $1.2 million of expenses, and a $1.2 million loss before taxes. | 36 | 10K |
fr_axa-AR_2007 | 5,756 | Other derivatives on insurance & investment contracts (a) (27) (174) (201) 1 (130) (129) — (147) (147) | 17 | annual_report |
5570 | 718 | The Company leases its facilities under non-cancelable operating leases. In addition to monthly lease payments, the lease agreements require the Company to reimburse the lessors for its portion of operating costs each year. Rent expense was $1.6 million for year ending December 31, 2018 and $1.0 million for the year en... | 54 | 10K |
gb_prudential-AR_2015 | 1,184 | As a form of advocacy, Prudence Foundation partners with CSR Asia to host an annual Disaster Preparedness Forum in one selected city in Asia. We firmly believe the private sector has an important role to play in strengthening community disaster resilience, and this Forum provides a unique platform for dialogue and exch... | 88 | annual_report |
2280 | 447 | In 2003, we incurred losses and settlement expenses of $271.6 million, of which $283.9 million was attributable to losses that occurred in 2003. In 2003 we recorded a $12.3 million offset to losses incurred related to the net savings realized in 2003 on the settlement of losses that occurred prior to 2003. The net savi... | 95 | 10K |
1768 | 362 | CNA Plaza, owned by CAC, serves as the home office for CNAF and its subsidiaries. An adjacent building (located at 55 E. Jackson Blvd.), jointly owned by CCC and CAC, is partially situated on grounds under leases expiring in 2058. Approximately 46% of the adjacent building is rented to non-affiliates. CNAF’s subsidiari... | 86 | 10K |
3788 | 1,497 | We have no equity interests in any of the QSPEs in which we invest, nor do we have control over these entities. Therefore, our loss exposure is limited to the cost of our investment. | 34 | 10K |
INGGroepNV-AR_2005 | 948 | In 2004, ING Group sold most of the German banking units of ING BHF-Bank. The transaction includes ING BHF-Bank’s asset management, private banking, financial markets and core corporate banking business. The value of the transaction amounted to EUR 600 million. | 40 | annual_report |
5160 | 2,432 | In addition, certain assets are not admitted under statutory accounting principles and are charged directly to surplus. The most significant assets not admitted by MetLife Insurance Company USA are net deferred income tax assets resulting from temporary differences between statutory accounting principles basis and tax ... | 56 | 10K |
CNPAssurancesSA-AR_2011 | 296 | CNP Assurances employees whose jobs will be affected by Solvency II gives us an opportunity to set in motion a cross-functional dynamic. | 22 | annual_report |
4162 | 361 | The ability of the Company to meet its commitments for timely payment of claims and other expenses depends, in addition to current cash flow, on the liquidity of its investments. The Company has relatively little exposure to lower grade fixed income investments which might be especially subject to liquidity problems du... | 55 | 10K |
4867 | 3,892 | In connection with the Class B Repurchase and the resulting elimination of the distinction between the Company’s Financial Services Businesses and the Closed Block Business, on January 2, 2015, the Company terminated the inter-business transfer and allocation policies relating to payments, loans, capital contributions,... | 72 | 10K |
3644 | 955 | The Exchange is a reciprocal insurer domiciled in the Commonwealth of Pennsylvania that underwrites a broad line of personal and commercial business, including private passenger auto, homeowners and commercial multi-peril insurance. Annual direct written premiums of the Exchange totaled $3.1 billion in 2008, 2007 and 2... | 83 | 10K |
TrygAS-AR_2012 | 450 | In practice, Tryg seeks to put together bond portfolios which are most likely to achieve the discounting curve yield given by the Danish | 23 | annual_report |
ch_zurich_insurance_group-AR_2012 | 961 | Private Banking Client Solutions increased new business value by USD 4 million to USD 24 million. This increase in new business value was mainly driven by final placements of tranches of an investment bond through bank distribution partners in the UK, which also contributed USD 39 million to the overall growth in new b... | 59 | annual_report |
RSAInsuranceGroupPLC-AR_2017 | 3,835 | Costs that are dependent on the level of defined benefit pension scheme plan funding and arise from servicing past pension commitments | 21 | annual_report |
5445 | 736 | Dividends paid to shareholders totaled $27.3 million, $24.6 million and $21.7 million in 2017, 2016 and 2015, respectively. Our practice has been to pay quarterly cash dividends, which we have paid every quarter since March 1968. | 36 | 10K |
gb_prudential-AR_2006 | 4,016 | Investment contract liabilities without discretionary participation features 27 – – 27 22 | 12 | annual_report |
4746 | 528 | In 2013, the insurance market continued to show signs of “firming” (as opposed to traditional “hardening”) across many lines and geographic areas. In this environment, rates increased at a moderate pace, clients could still obtain coverage, businesses continued to stay in standard-line markets and there was adequate ca... | 209 | 10K |
TrygAS-AR_2014 | 363 | Commercial encompasses the sale of insurance products to small and medium-sized businesses in | 13 | annual_report |
Sampoplc-AR_2018 | 3,313 | The total amount of Sampo Group’s investment assets as at 31 December 2018 was EUR 26,177 million (26,380) as presented in the following figure. Mandatum Life’s and | 27 | annual_report |
4673 | 608 | On January 9, 2012, we entered into: (1) an amended and restated revolving and term loan credit agreement (the “SunTrust Agreement”) with SunTrust Bank (“SunTrust”) that provides for (a) a $100.0 million term loan (the “SunTrust Term Loan”) and (b) a $50.0 million revolving line of credit (the “SunTrust Revolver”) and ... | 138 | 10K |
ScorSE-AR_2011 | 2,726 | Accounting Standards (IAS) and International Financial Reporting Standards (IFRS) and to Interpretations of the | 14 | annual_report |
3410 | 1,307 | In November 2005, the FASB issued FASB Staff Position (“FSP”) FAS 115-1 and FAS 124-1, “The Meaning of Other-Than-Temporary Impairment and Its Applications of Certain Investments” (“FSP 115-1”), which provides guidance on determining when investments in certain debt and equity securities are considered impaired, whethe... | 187 | 10K |
5278 | 1,425 | The following table provides information relating to the Company’s derivative instruments as of December 31, 2016 and December 31, 2015 (dollars in thousands): | 23 | 10K |
4004 | 991 | On October 1, 2007, the Company completed the acquisition of all of the outstanding capital stock of Leon Medical Centers Health Plans, Inc. (“LMC Health Plans”) pursuant to the terms of a Stock Purchase Agreement, dated as of August 9, 2007 (the “Stock Purchase Agreement”). The results of LMC Health Plans are included... | 210 | 10K |
4959 | 1,328 | Our long-term care insurance business increased $5 million largely related to the write-off of $6 million of PVFP in connection with our annual loss recognition testing completed in the fourth quarter of 2014. | 33 | 10K |
AegonNV-AR_2002 | 1,165 | NOTES TO THE CONSOLIDATED BALANCE SHEETS Amounts in EUR millions 72 AEGON GROUP | 13 | annual_report |
AegonNV-AR_2013 | 729 | Ceding reinsurance does not remove Aegon´s liability as the primary insurer. Aegon could incur losses should reinsurance companies not be able to meet their obligations. To minimize its exposure to the risk of such defaults, the creditworthiness of | 38 | annual_report |
BaloiseHoldingLtd-AR_2011 | 264 | Reinsurance share of claims incurred – 23.1 – 11.0 – 0.3 4.5 | 12 | annual_report |
3939 | 1,198 | reflect our loss and LAE ratios and total combined ratios prior to the reserve reallocation and reconciles these non-GAAP financial measures to their most comparable GAAP measures. | 27 | 10K |
SwissReAG-AR_1998 | 19 | Performance of Swiss Re registered shares and the Swiss Performance Index from 31 December 1989 to 4 May 1999 | 19 | annual_report |
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