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2089 | 669 | Begin reinsuring, on a coinsurance and modified coinsurance basis at a quota share rate of 20%, Western Reserve Freedom Elite Builder variable universal life policies sold by the agents associated with World Financial Group and issued from July 1, 2001 through December 31, 2001; | 44 | 10K |
5200 | 852 | changes in fair value gains (losses) on FG VIE assets and liabilities, | 12 | 10K |
791 | 419 | In December 1997, the Company and Sykes Enterprises, Incorporated ("Sykes") formed Sykes HealthPlan Services, Inc. ("SHPS"). SHPS is owned 50 percent by each of the founding companies and will provide care management services, technology solutions, certain customer support services, and other outsourcing capabilities to the health care and insurance industries. The Company has agreed to invest up to $17 million in equity in SHPS, of which $5.0 million was invested during 1997. In addition, the Company has agreed to guarantee $37.5 million of SHPS' $75.0 million credit line. | 88 | 10K |
ASRNederlandNV-AR_2016 | 3,034 | The non-qualifying assets, which are managed by a group company, are not presented as part of the net defined benefit obligation. At year-end 2016, the fair value of these assets amounted to € 2,498 million (2015: € 2,419 million), which includes the separate account to fund future inflation indexation amounting to € 327 million (31 December 2015: € 306 million). As mentioned above, the swaps and swaptions have not been allocated directly to the post-employment benefit obligations; neither are they included as part of the fair value of the non-qualifying assets managed by the group company. | 96 | annual_report |
4471 | 2,922 | The following table presents information about purchased credit impaired investments acquired during the periods, as of their respective acquisition dates: | 20 | 10K |
4921 | 2,665 | The nature of the Company’s high excess of loss liability and catastrophe business can result in loss events that are both irregular and significant. Similarly, adjustments to reserves for individual years can be irregular and significant. Such adjustments are part of the normal course of business for the Company. There is no assurance that conditions and trends that | 58 | 10K |
2889 | 2,023 | Investments - Investments in securities, which are held principally by insurance subsidiaries of CNA, are carried as follows: | 18 | 10K |
AvivaPLC-AR_2011 | 4,545 | Earnings before tax and non-controlling interests 1,085 971 37 266 377 319 43 2,013 289 109 3,496 83 3,579 1 Adverse expense experience occurred across a number of businesses. 2 Mortality experience continues to be better than the assumption set across a number of our businesses, most notably in France and the UK Annuity business. 3 Persistency experience remains volatile across most of our businesses, in part reflecting the wider economic circumstances. In France, persistency experience reflects a release of the short-term provision. 4 Other experience includes, in France, the benefit from policyholders switching to unit-linked funds and, in the USA, favourable spread experience. 5 Favourable maintenance expense assumptions reflect the benefit of the shared service centre in Spain, together with the release of margins in Spain, related to bancassurance joint venture governance costs, and Poland. In the UK, the expense assumptions include a reallocation of provisions in the service company, better reflecting the expected future allocation of costs. In the USA, the adverse impact reflects a revised allocation of costs between ongoing and one-off. In Delta Lloyd, favourable expense assumptions relate to planned expense saving following restructuring activities. | 189 | annual_report |
4422 | 1,201 | The Property and Marine operating segment generated 52.9% and 54.3% of our net premiums written for the years ended December 31, 2011 and 2010, respectively. The following table summarizes underwriting activity and ratios for the Property and Marine segment for the years ended December 31, 2011 and 2010 ($ in thousands): | 51 | 10K |
AdmiralGroupPLC-AR_2017 | 346 | Whilst we are proud of our track record of pricing and claims handling, what actually allows us to grow and generate profits each year is that our customers trust us to not only offer competitive prices, but also to provide excellent service. That is regularly supported by a number of customer KPIs we track continuously, whether in the form of direct feedback, retention rates or complaint figures. As a result it was disappointing that we made an error in the way we disclosed prior year premiums on some customer notices during the second quarter of the year. However, having recognised the error, I was very encouraged with the dedication of our people, from a number of different departments, to pull together and correct the issue, and to quickly provide remediation to our affected customers. Whilst not in the ideal circumstances, it was another example of the great team spirit and culture that still exists 25 years on from our launch. | 160 | annual_report |
5591 | 828 | We believe that cash generated by operations, cash generated by investments and cash available from financing activities will provide sufficient sources of liquidity to meet our anticipated needs over the next 12 to 24 months. We have consistently generated positive operating cash flow. The primary factor in our ability to generate positive operating cash flow is underwriting profitability, which we have achieved for 23 consecutive years. | 66 | 10K |
HelvetiaHoldingAG-AR_2015 | 909 | 2 Underlying earnings are adjusted for integration costs as well as amortisation of intangible assets, additional planned amortisation due to revaluation of interest-bearing securities at market value and other one-off effects of the acquisitions. | 34 | annual_report |
AvivaPLC-AR_2017 | 4,320 | Incurred in prior years (293) (214) Reinsurance recoveries received in the year (325) (409) | 14 | annual_report |
LloydsBankingGroupPLC-AR_2020 | 2,985 | For the majority of colleagues, year-on-year changes in remuneration are principally driven by pay increases and the impacts of Group performance and collective adjustment which has resulted in a reduction in the bonus pool. The Group has a commitment to pay progression and a continued focus on ensuring higher pay awards for colleagues who are lower paid, or paid lower within their pay range. We are committed to reducing the pay gap between executives and wider colleagues and continue to remain focused on addressing the gap from the bottom up and not just from the top down. To support, the Group has a commitment to pay progression and a continued focus on ensuring higher pay awards for colleagues who are lower paid, or paid lower within their pay range. | 129 | annual_report |
1366 | 494 | Fremont's workers' compensation insurance business competes in a market characterized by competition on the basis of price and service. In addition, state regulatory changes could affect competition in the states where the Company transacts business. Although the Company is one of the largest writers of workers' | 46 | 10K |
4405 | 2,037 | collateral losses typically leads to a decrease in the fair value of the Company's FG VIE assets, while a decrease in collateral losses typically leads to an increase in the fair value of the Company's FG VIE assets. These factors also directly impact the fair value of the Company's uninsured VIE liabilities. | 52 | 10K |
5435 | 495 | Inspections of mining activity and reclamation work are performed on a regular basis with initial cost estimates being updated periodically. Should the principal default in the obligation to reclaim the property in accordance with the mining permit, FSC would then use the funds held in the collateral account to reclaim the property or would be required to forfeit the face amount of the bond to the agency to which the bond is issued. | 73 | 10K |
4919 | 1,013 | The effect on DAC that results from the assumed realization of unrealized gains (losses) on investments allocated to non-traditional life insurance business is recognized with an offset, or "shadow" DAC, to net unrealized investment appreciation as of the balance sheet date. The “shadow" DAC adjustment decreased the DAC asset by $13,383 and increased the DAC asset by $3,407 at December 31, 2014 and 2013, respectively. | 65 | 10K |
INGGroepNV-AR_2002 | 1,104 | The funds benefited from a relatively defensive portfolio. ING also advises private and | 13 | annual_report |
3889 | 1,039 | (ix) reduction in the value of the Company’s investment portfolio as a result of changes in interest rates, yields and liquidity in the market as well as geopolitical conditions and the impact of political, regulatory, judicial, economic or financial events, including terrorism, affecting the market generally and companies in the Company’s investment portfolio specifically; increased liabilities related to living benefits and death benefit guarantees; corresponding impact on the ultimate realizability of deferred tax assets; | 74 | 10K |
SwissReAG-AR_2001 | 48 | Risk finance Risk financing employs a wide array of products from finite reinsurance to equity, leveraging Swiss Re’s knowledge and understanding of worldwide risk markets to finance risk retention. | 29 | annual_report |
AvivaPLC-AR_2017 | 4,272 | The Group’s UK with-profits funds also have certain policies that contain a guaranteed minimum level of pension as part of the condition of the original transfer from state benefits to the policy. | 32 | annual_report |
5387 | 1,555 | In contrast to our short and medium-tail business, the claim tail for our long-tail business is expected to be notably longer, as claims are often reported and ultimately paid or settled years, or even decades, after the related loss events occur. Our long-tail business primarily relates to liability business written in our insurance and reinsurance segments, as well as our motor reinsurance business and discontinued lines - Novae. | 68 | 10K |
StorebrandASA-AR_2019 | 2,170 | Allocation by company and customers: Accounts receivable and other short-term receivables - company 4,824 7,005 | 15 | annual_report |
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2003 | 377 | Special and Financial Risks (sfr) is responsible for the special classes of credit, aviation and space, entrepreneurial and special risks, and for Munich-American RiskPartners (marp). In addition, it coordinates overarching innovation projects in the non-life divisions, such as the establishment of new distribution channels. sfr develops and implements such projects for specific divisional topics as well, and functions as an interface between the capital market and the insurance market. sfr is also responsible for the purchase of Group reinsurance (retrocession). | 80 | annual_report |
5364 | 959 | As a result of the termination of the Humana Merger Agreement, we paid Humana the applicable $1.0 billion Regulatory Termination Fee on February 16, 2017. As a result of the APA Termination Agreement, we paid Molina the applicable termination fee of $53 million on February 16, 2017 and paid Molina the applicable transaction costs of $7 million on February 27, 2017. We funded these payments with the proceeds of the 2016 senior notes. | 73 | 10K |
BaloiseHoldingLtd-AR_2007 | 526 | CKng joined Baloise in August 2002, Annemie D joined Baloise in August 2002, Annemie was appointed CEO of Baloise Liechtenstein on 1was appointed CEO of Baloise Liechtenstein on 1stst 2008. With a six-year old daughter, she is l08. With a six-year old daughter, she is to the new challenge. She enjoto the new challenge. She en of the following reof the following r trusted roup will not tole tion. We support for three reason identifi cation wi b d | 79 | annual_report |
2410 | 898 | The National Association of Insurance Commissioners has adopted rules which set minimum risk-based capital requirements for insurance companies, managed care organizations and other entities bearing risk for healthcare coverage. As of December 31, 2004, our Indiana, Ohio, Texas and Wisconsin health plans were in | 44 | 10K |
4545 | 1,291 | The fair value of outstanding debt was approximately $543,611 and $351,578 at December 31, 2012 and 2011, respectively. | 18 | 10K |
AegonNV-AR_2012 | 3,696 | Once the entire pool is modeled, the results are closely analyzed by Aegon’s asset specialists to determine whether or not Aegon’s particular tranche or holding is at risk for not collecting all contractual cash flows taking into account the seniority and other terms of the tranches held. Aegon impaired its particular tranche to fair value where it would not be able to receive all contractual cash flows. | 67 | annual_report |
AegonNV-AR_2002 | 79 | For all the many other stakeholders in our business too, we want to work hard to recognize and accept our wider responsibilities to the communities and environments in which we do business. We believe that a constructive approach to sustainability issues is essential in creating better futures for us all. | 50 | annual_report |
AegonNV-AR_2014 | 161 | people in the workplace and society, in the Netherlands; �� Undertaking the third annual Global Employee Engagement | 17 | annual_report |
4454 | 282 | Total expenses were $115.0 million in 2011 as compared to $106.3 million in 2010. Although total expenses increased, the Company’s overall underwriting results improved in 2011. As a percentage of premiums, insurance benefits and losses incurred and commissions and underwriting expenses were 96.0% and 97.3% in 2011 and 2010, respectively. The decrease in the ratio was primarily due to the increase in premium revenue in the life and health operations partially offset by higher loss ratios in the property and casualty operations. | 82 | 10K |
832 | 277 | Adjusted insurance revenues increased 5.3% to $44.9 million in 1996 from $42.7 million in 1995. The increase was primarily attributable to increased investment spread and other insurance income (due to term life insurance sales). The growth in life insurance in force and policyholder account balances permitted invested assets at cost to increase 12.2% to $714.1 million at December 31, 1996 from $636.7 million at December 31, 1995. Investment income increased by 6.5%. ALLIED Life's return on invested assets decreased to 7.4% in 1996 from 7.8% in 1995. | 87 | 10K |
5926 | 768 | Annuity deposits by product type collected during 2020, 2019 and 2018, were as follows: | 14 | 10K |
5753 | 1,021 | As described in Management’s Annual Report on Internal Control Over Financial Reporting, management excluded from its assessment the internal control over financial reporting at CKP Insurance, LLC, Poole Professional Ltd. Insurance Agents and Brokers et al, Innovative Risk Solutions, Inc., Medval, LLC, Twinbrook Insurance Brokerage, Inc., VerHagen Glendenning & Walker LLP, United Development Systems, Inc., AGA Enterprises, LLC d/b/a Cossio Insurance Agency, West Ridge Insurance Agency, Inc. d/b/a Yozell Associates, and Izzo Insurance Services, Inc. which were acquired in 2019 and whose financial statements constitute approximately (0.26) and 5.20 percent of net and total assets, respectively, 1.13 percent of revenues, and (1.39) percent of net income of the consolidated financial statement amounts as of and for the year ended December 31, 2019. Accordingly, our audit did not include the internal control over financial reporting of these acquired entities. | 138 | 10K |
2484 | 634 | (2) Statutory combined ratio is a common industry measurement of the results of property and casualty insurance underwriting. This ratio is the sum of the ratio of incurred claims and claim expenses to premiums earned and the ratio of underwriting expenses incurred to premiums written. Federal income taxes, net investment income and other non-underwriting expenses are not reflected in the statutory combined ratio. Our statutory combined ratios include catastrophe losses, which represented 3.3%, 6.8% and 4.4% of our Personal Lines, Commercial Lines and Total statutory combined ratios, respectively, for the year ended December 31, 2004; 2.3%, 3.3% and 2.6% of our Personal Lines, Commercial Lines and Total statutory combined ratios, respectively, for the year ended December 31, 2003; and 1.8%, 0.7% and 1.4% of our Personal Lines, Commercial Lines and Total statutory combined ratios, respectively, for the year ended December 31, 2002. | 142 | 10K |
StandardLifeAberdeenPLC-AR_2019 | 3,415 | The shareholder exposure to equity securities of £199m (2018: £37m) primarily relates to seed capital of £118m (2018: £19m) and £48m (2018: £nil) held by the Standard Life Foundation. | 29 | annual_report |
5464 | 899 | Guarantees accounted for as embedded derivatives in policyholder account balances include the non life-contingent portion of GMWBs, guaranteed minimum accumulation benefits (“GMABs”) and the portion of GMIBs that do not require annuitization. At inception, the Company attributes to the embedded derivative a portion of the projected future guarantee fees to be collected from the policyholder equal to the present value of projected future guaranteed benefits. Any additional fees represent “excess” fees and are reported in universal life and investment-type product policy fees. | 82 | 10K |
3797 | 1,626 | During the year ended December 31, 2008, we recorded higher than expected health care costs and lowered our earnings guidance. The reduction in guidance was primarily driven by lower than expected commercial enrollment, higher than expected commercial health care cost trends, and the volatile economic environment. As a result of this revised outlook combined with a decline in our market capitalization, we updated our annual impairment test on our goodwill asset as of September 30, 2008 and as of December 31, 2008, which indicated that there was no impairment. | 89 | 10K |
SwissReAG-AR_2007 | 720 | Capital management strategy The Group aims to maximise sustainable risk-adjusted returns, subject to various constraints arising from the capital adequacy requirements of key stakeholder groups. These capital constraints use differing calculation methods for defining both the available and required capital, and are applied to the Group as well as to key legal entities. Figure 3 illustrates the focus areas of the main stakeholder groups who have an influence on defining the Group’s capital position. | 74 | annual_report |
INGGroepNV-AR_2020 | 4,999 | Covid-19 has resulted in adverse changes in the market and economic environment. Due to the impact of the significant deterioration in the economic environment on the cash flow outlook of our businesses, we also completed a goodwill impairment review across ING Group in the second quarter of | 47 | annual_report |
INGGroepNV-AR_2018 | 2,140 | Equity holders of the parent 4,206 3,106 4,390 1 The amounts for the period ended 31 December 2018 have been prepared in accordance with IFRS 9, the adoption of IFRS 9 led to new presentation requirements; prior period amounts have not been restated. | 43 | annual_report |
SwissReAG-AR_2020 | 1,455 | Swiss Re’s capital position remains very strong, demonstrating resilience to large losses and market volatility. | 15 | annual_report |
fr_axa-AR_2008 | 6,697 | Translation Value at variance/ Value at (in euro million) December 31, 2007 Issues accrued interests December 31, 2008 | 18 | annual_report |
gb_prudential-AR_2000 | 223 | Funds Flow The table opposite provides details of the holding company funds flow. | 13 | annual_report |
5003 | 656 | Our international and structured finance insurance portfolio is principally operated through MBIA Corp. The financial guarantees issued by MBIA Corp. generally provide unconditional and irrevocable guarantees of the payment of the principal of, and interest or other amounts owing on, non-U.S. public finance and global structured finance insured obligations when due or, in the event MBIA Corp. has the right, at its discretion, to accelerate insured obligations upon default or otherwise, upon MBIA Corp.’s acceleration. Certain guaranteed investment contracts written by MBIA Inc. are insured by MBIA Corp., and if MBIA Inc. or such subsidiaries were to have insufficient assets to pay amounts due upon maturity or termination, MBIA Corp. would make such payments under its insurance policies. MBIA Corp. also insured debt obligations of other affiliates, including GFL and MBIA Investment Management Corp. (“IMC”). MBIA Corp. has also written insurance policies guaranteeing the obligations under credit default swaps (“CDS”) contracts of an affiliate, LaCrosse Financial Products, LLC (“LaCrosse”), including termination payments that may become due in certain events, including the insolvency or payment defaults of MBIA Corp. or LaCrosse. MBIA Insurance Corporation also provides reinsurance to its insurance subsidiaries. | 190 | 10K |
CNPAssurancesSA-AR_2019 | 334 | CNP Assurances I Registered office: 4, place Raoul–Dautry – 75716 Paris Cedex 15 I Tel.: +33 (0)1 42 18 88 88 I www.cnp.fr | 23 | annual_report |
917 | 1,331 | Difficult market conditions and intense price competition within many markets of the commercial sector are likely to continue into the foreseeable future. The combined effects of excess capital, decreasing demand and new forms of competition have particularly impacted the mid-to-large commercial accounts markets over the past few years. In response to these conditions, the Commercial segment has undertaken several major strategic actions, with many completed in 1998. Pricing actions in the mid-to-large account marketplace were initiated during 1998 and are expected to have a positive impact on profitability in 1999. Strategic alliances have been formed with several major national and regional banks, insurance and other companies to market commercial products to their customers. Investments in such areas as advertising, product research and development, technology and staff training have continued, in an effort to heighten brand awareness, increase product offerings, further develop alternative distribution channels and improve productivity. Management believes the result of these and other actions taken may counterbalance the negative external factors in the commercial market and position the Commercial segment for improved written premium growth in 1999 and beyond, while maintaining core profitability. | 185 | 10K |
StandardLifeAberdeenPLC-AR_2015 | 4,032 | The standard rate of UK corporation tax for the accounting period is 20.25% (2014: 21.5%). The UK tax rate will reduce to 19% from 1 April 2017 and 18% from 1 April 2020. These future rate changes have been taken into account in the calculation of the UK deferred tax balance at 31 December 2015. | 55 | annual_report |
SwissReAG-AR_2010 | 1,096 | In 2010, the company issued 2 985 shares from conditional capital for employee participation purposes. | 15 | annual_report |
NatixisSA-AR_2016 | 5,332 | Natixis has a material interest and if they are material to the power over these activities. Such SPEs are consolidated once to manage operating property and non-operating property. The Natixis controls a certain number of vehicles whose purpose isa sources of returns for shareholders. Natixis generally has relevant activity is mainly the management of property as structured entities which own real estate assets. Two of them The Natixis Lease sub-group owns a certain number ofa relevant activities and is significantly exposed to the variability are consolidated to the extent that Natixis has power over the of returns. | 97 | annual_report |
StorebrandASA-AR_2019 | 563 | 13.1 We strengthen resilience and adaptive capacity to climate-related hazards and natural disasters in our operations and in our investments. | 20 | annual_report |
PowszechnyZakladUbezpieczenSA-AR_2016 | 3,241 | On 8 December 2016 PZU and PFR concluded an agreement with UniCredit S.p. A. to purchase 32.8% Bank Pekao S.A. | 20 | annual_report |
SwissLifeHoldingAG-AR_2020 | 3,565 | We have obtained the cash flow projections based on financial budgets for the individual cash generating units approved by management and the board of directors. We challenged management as to the feasibility of reaching the cash flows. | 37 | annual_report |
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2012 | 913 | Senior bonds 82 82 Loss-bearing bonds 6 7 Subordinated bonds 12 11 1 Presentation essentially shows fixed-interest securities and loans at market value. The approximation is not fully comparable with the IFRS figures. | 33 | annual_report |
3807 | 738 | 2007-Cash used in investing activities of $41.7 million during the year ended December 31, 2007 was primarily attributable to purchases of marketable securities of $54.3 million and capital expenditures of $1.8 million, partially offset by sales and maturities of marketable securities of $9.0 million and $5.5 million, respectively. | 48 | 10K |
3688 | 664 | Reclassifications have been made to the 2007 and 2006 notes to consolidated financial statements to conform to the 2008 presentation. | 20 | 10K |
3564 | 1,254 | The following table shows the realized (losses) gains for fixed and equity securities for the years ended December 31, 2007 and 2006. | 22 | 10K |
de_allianz-AR_2008 | 3,921 | Sales and service revenues 1,936 375 — 22 2,333 Other operating revenues 21 — — — 21 Interest income 13 — — — 13 | 24 | annual_report |
3222 | 563 | THE FOLLOWING DISCUSSION AND ANALYSIS OF OUR FINANCIAL CONDITION AND RESULTS OF OPERATIONS SHOULD BE READ IN CONJUNCTION WITH THE CONSOLIDATED FINANCIAL STATEMENTS AND THE ACCOMPANYING NOTES APPEARING ELSEWHERE IN THIS REPORT. | 32 | 10K |
HannoverRueckSE-AR_2015 | 926 | The price / premium risk lies primarily in the possibility of a random claims realisation that diverges from the claims expectancy on which the premium calculation was based. Regular and independent reviews of the models used for treaty quotation as well as central and local underwriting guidelines are vital management components. We have put in place a multi -step quotation process to ensure the quality of our portfolios: Ensuring the quality of our portfolios M 59 | 76 | annual_report |
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2007 | 3,099 | All information on risks arising from legal disputes can be found in the risk report. | 15 | annual_report |
2958 | 951 | Subject to the Replacement Capital Covenant, the Debentures may be redeemed in whole or in part, subject to minimum amounts outstanding, at any time, on or after December 15, 2016, at the cash redemption price of 100% of the principal amount of the Debentures to be redeemed, plus accrued and | 50 | 10K |
5598 | 1,733 | On January 1, 2010, benefits under the Principal Pension Plan were frozen for certain participants. The nonqualified plan was amended January 1, 2019, to change the basis for determining lump sums. This gave rise to a total prior service benefit of $6.4 million as of December 31, 2018. The qualified plan and agent nonqualified plan were amended on December 28, 2017, to freeze final average pay accruals for agents after December 31, 2018, but continue cash balance accruals. This gave rise to a total prior service benefit of $23.1 million as of December 31, 2017. The amendments also freeze plan eligibility for agents under both the qualified and nonqualified plans. | 110 | 10K |
5560 | 623 | 2018 vs 2017. The increase in net investment income in 2018 from 2017 primarily reflects higher dividend income primarily resulting from an increase in the size of our equity securities portfolio during the first three quarters of 2018 and, to a lesser extent, an increase in interest income primarily resulting from higher yields on short-term investments and floating-rate debt securities, partially offset by the impact of the sale of PacificComp. | 70 | 10K |
RSAInsuranceGroupPLC-AR_2019 | 3,158 | Weighted average number of ordinary shares in issue (thousands) 1,030,648 1,026,040 | 11 | annual_report |
ScorSE-AR_2014 | 3,088 | Senior management pension obligations (Article 39): The valuation of the reserve for senior management pension obligations is based on the following actuarial assumptions: - Discount rate: 2.06%, defined with respect to high quality long-term corporate bonds with duration in line with the duration of the obligations evaluated. | 48 | annual_report |
2793 | 262 | See Notes 1 and 7 to the accompanying consolidated financial statements for a further discussion of policy reserves and reinsurance transactions. | 21 | 10K |
2419 | 899 | As of December 31, 2004 and 2003, the Company had committed approximately $104 million and $154 million to future capital calls from various third-party limited partnership investments in exchange for an ownership interest in the related partnerships. | 37 | 10K |
4079 | 992 | We have audited the accompanying consolidated balance sheets of First Mercury Financial Corporation and Subsidiaries as of December 31, 2009 and 2008 and the related consolidated statements of income, stockholders’ equity and cash flows for each of the three years in the period ended December 31, 2009. In connection with our audits of the financial statements, we have also audited the financial statement schedules listed in the accompanying index. These financial statements and schedules are the responsibility of the Company’s management. Our responsibility is to express an opinion on these financial statements and schedules based on our audits. | 98 | 10K |
fr_axa-AR_2001 | 5,091 | f • Item 18 (partie 1) (V5) 1/07/02 11:40 Page F-111 Philippe Jobs Phil 1:JOBS 1:AXA:04-587-COB 2001:COB (US): | 18 | annual_report |
3551 | 802 | We have audited the accompanying consolidated balance sheets of National Interstate Corporation and subsidiaries as of December 31, 2007 and 2006, and the related consolidated statements of income, shareholders’ equity and cash flows for each of the three years in the period ended December 31, 2007. Our audits also included the financial statement schedules listed in the Index at Item 15(a). These financial statements and schedules are the responsibility of the Company’s management. Our responsibility is to express an opinion on these financial statements based on our audits. | 88 | 10K |
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2004 | 2,215 | In the case of 100% achievement of objectives (annual bonus, medium-term incentive plan) and a 35% share price increase (long-term incentive plan), the weightings of the individual components are as follows: basic remuneration approx. 33%, annual bonus approx. 29%, medium-term incentive plan approx. 14%, and long-term incentive plan | 48 | annual_report |
2619 | 1,116 | Berkshire’s reportable business segments are organized in a manner that reflects how management views those business activities. Certain businesses have been grouped together for segment reporting based upon similar products or product lines, marketing, selling and distribution characteristics, even though those business units are operated under separate local management. There are approximately 40 separate business units. | 56 | 10K |
AdmiralGroupPLC-AR_2015 | 601 | Stay ahead of the competition – in particular maintaining a material combined ratio advantage. This means underwriting profitable business and pricing effectively for risk, providing great customer service and maintaining a cost-conscious culture. | 33 | annual_report |
4466 | 4,280 | Analysis of revenues Total revenues increased 18.6% or $838 million in 2011 compared to 2010 due to net realized capital gains in the current year compared to net realized capital losses in the prior year and higher premiums and contract charges, partially offset by lower net investment income. Total revenues decreased 1.9% or $87 million in 2010 compared to 2009 due to lower net investment income and higher net realized capital losses, partially offset by higher premiums and contract charges. | 80 | 10K |
StandardLifeAberdeenPLC-AR_2015 | 3,061 | Greater than 20 years Total 2015 2014 2015 2014 2015 2014 2015 2014 2015 2014 2015 2014 2015 2014 £m £m £m £m £m £m £m £m £m £m £m £m £m £m Shareholder business Non-participating investment contract liabilities 4 4 - - - - - - - - - - 4 4 | 53 | annual_report |
RaiffeisenBankInternationalAG-AR_2017 | 2,576 | 2016 Nominal amount by maturity Fair values in € thousand Up to 1 year More than 1 year, up to 5 years More than 5 years Total Positive Negative | 29 | annual_report |
3245 | 1,133 | The Company’s 2006 and 2005 consolidated balance sheets include the following financial instruments: cash and cash equivalents, accounts receivable, investment securities, restricted investments, accounts payable, medical claims liabilities, and long-term debt. The carrying amounts of accounts receivable, accounts payable and medical claims liabilities approximate their fair value because of the relatively short period of time between the origination of these instruments and their expected realization. The fair value of the investment securities and restricted investments are presented at Notes 4 and 7. The carrying value of the long-term debt is estimated by management to approximate fair value based upon the term and nature of the obligations. | 106 | 10K |
2241 | 1,686 | This table shows the changes in our P&C loss and LAE reserves for 2003, 2002 and 2001. We record changes in estimated reserves in our Consolidated Statements of Income (Loss) the same year we make the change. | 37 | 10K |
de_allianz-AR_2008 | 1,699 | A substantial portion of the Property-Casualty segment’s non-diversified internal actuarial risk capital is assigned to our operating entities in Germany, Italy, France and the U.S. | 25 | annual_report |
AvivaPLC-AR_2014 | 4,830 | Year ended 31 December 2013 Net cash from operating activities Total net cash from operating activities increased by £408 million to a £4,018 million inflow in 2013 (2012 restated: £3,610 million inflow). The increase was primarily due to an increase in operating cash flows in US Life prior to disposal, partly offset by changes in working capital. | 57 | annual_report |
4922 | 1,793 | $104 million was drawn on the line of credit. The interest rate charged on our borrowings on this credit agreement ranged from 1.15 percent to 1.30 percent during 2014 and ranged from 1.30 percent to 1.35 percent during 2013. | 39 | 10K |
5353 | 1,531 | (2) Those GMWBL policyholders who have elected systematic withdrawals are assumed to continue taking withdrawals. As a percent of policies, approximately 40% are taking systematic withdrawals. The Company assumes that at least 85% of all policies will begin systematic withdrawals either immediately or after a delay period, with 100% utilizing by age 100. The utilization function varies by policyholder age and policy duration. Interactions with lapse and mortality also affect utilization. The utilization rate for GMWBL and GMWB tends to be lower for younger contract owners and contracts that have not reached their maximum accumulated GMWBL and GMWB benefit amount. There is also a lower utilization rate, though indirectly, for contracts that are less "in the money" (i.e., where the notional benefit amount is in excess of the account value) due to higher lapses. Conversely, the utilization rate tends to be higher for contract owners near or beyond retirement age and contracts that have accumulated their maximum GMWBL or GMWB benefit amount. There is also a higher utilization rate, though indirectly, for contracts which are highly "in the money". The chart below provides the GMWBL account value by current age group and average expected delay times from the associated attained age group as of December 31, 2016. Due to the benefit utilization assumption for GMWBL/GMWB, the partial withdrawal assumption only applies to GMAB. | 223 | 10K |
4782 | 4,379 | The Company may refinance commercial mortgage loans prior to contractual maturity as a means of originating new loans that meet the Company's underwriting and pricing parameters. The Company refinanced loans with outstanding balances of $10.6 million and $31.6 million during the years ended December 31, 2013 and December 31, 2012, respectively. | 51 | 10K |
4756 | 1,527 | Our U.S. Mortgage Insurance segment decreased $313 million primarily driven by a decline in new delinquencies and improvements in net cures and aging on existing delinquencies in 2013. Overall | 29 | 10K |
5030 | 698 | Goodwill impairment testing is a two-step process performed on a reporting unit basis. As determined in the step 1 analysis, if the fair value of the reporting unit exceeds its carrying value, goodwill is not deemed impaired. If the fair value of a reporting unit is less than its carrying value, the second step of the impairment test must be performed in order to determine the amount of impairment, if any. The second step compares the implied fair value of the reporting unit's goodwill with the carrying amount of that goodwill following a hypothetical acquisition accounting process. This hypothetical acquisition accounting process is applied only for the purpose of determining whether goodwill must be reduced; it is not used to adjust the carrying values of other assets or liabilities. If the carrying amount of the reporting unit's goodwill exceeds its implied fair value, an impairment charge is recognized in an amount equal to that excess. The loss recognized cannot exceed the carrying amount of goodwill, and it cannot subsequently be reversed. | 171 | 10K |
gb_prudential-AR_2009 | 1,610 | Section F: Income statement notes 226 F1: Segmental information 228 F2: Revenue 229 F3: Acquisition costs and other operating expenditure 230 F4: Finance costs: Interest on core structural borrowings of shareholder-financed operations 230 F5: Tax 235 F6: Allocation of investment return between policyholders and shareholders 236 F7: Benefits and claims and movements in unallocated surplus of with-profits funds, net of reinsurance | 61 | annual_report |
4900 | 1,269 | There were no premium deficiencies for any of the reported years, as the sum of the anticipated losses and loss expenses, unamortized acquisition costs, policyholder dividends, and other expenses for Standard Commercial Lines, Standard Personal Lines, and E&S Lines did not exceed the related unearned premium and anticipated investment income. The investment yields assumed in the premium deficiency assessment for each reporting period, which are based on our actual average investment yield before tax as of the September 30 calculation date were 3.0% for both 2014 and 2013, and 3.1% for 2012. Deferred policy acquisition costs amortized to expense were $364.3 million for 2014, $331.8 million for 2013, and $298.5 million for 2012. | 113 | 10K |
INGGroepNV-AR_2002 | 703 | The measures will eliminate backlogs and improve the quality of both front-office and back-office services. | 15 | annual_report |
2920 | 1,383 | The primary drivers of growth in 2005 in our insurance lines of business and net premiums written were the development of our relationships with insurance and reinsurance brokers and the development of our specialty insurance lines of business, including Syndicate 4000. Traditionally, many reinsurance contracts are entered into at the beginning of a calendar year and that period is often referred to as the January renewal season. As we have exited most of our reinsurance business, we believe that the 2006 renewal season will be much less significant for our 2006 results. Our specialty insurance segment demonstrated premium growth during the year ended December 31, 2005 as compared to the year ended December 31, 2004, especially through Lloyd's, following receipt of regulatory approvals during the fourth quarter of 2004. Our specialty insurance segment became a more significant contributor to our overall business and represented approximately 65.8% of our total net premiums written in the year ended December 31, 2005, compared to 40.6% in the year ended December 31, 2004. | 169 | 10K |
BaloiseHoldingLtd-AR_2007 | 617 | Business environment risks and operational and strategic risks are recorded individually using standardised procedures and we evaluate their eff ect on the capital. | 23 | annual_report |
de_allianz-AR_2004 | 2,661 | Changes in the provisions for restructuring for Dresdner Bank AG for the year ended December 31, 2004: ¤mn ¤mn ¤mn | 20 | annual_report |
4655 | 1,915 | subsidiary of Berkshire Hathaway has assumed the credit risk under the terms of the Loss Portfolio Transfer as discussed in Note 8. | 22 | 10K |
3016 | 1,542 | Net Realized Investment Gain (Loss) for the three months ended March 31, 2006, June 30, 2006, September 30, 2006 and December 31, 2006 includes non-cash realized losses of $0.7 million, $0.6 million, $5.7 million, and $1.8 million, respectively, as a result of impairment evaluations. | 44 | 10K |
2358 | 865 | Disposition of investments occurs for a number of reasons (See Item 8, Consolidated Statements of Cash Flows, Page 75): | 19 | 10K |
RaiffeisenBankInternationalAG-AR_2017 | 205 | AO Raiffeisenbank, Russia, Chairman (from 22 May 2017, previously Deputy Chairman) Raiffeisen Bank Polska S.A., Poland, Chairman (from 10 March 2017, previously member) Raiffeisen Bank S.A., Romania, Chairman (from 25 April 2017, previously member) Tatra banka, a.s., Slovakia, member Raiffeisenbank a.s., Czech Republic, member | 44 | annual_report |
5658 | 1,998 | Upon adoption of this guidance, net unrealized investment gains on equity securities of $70 million, net of deferred income taxes of $13 million, were reclassified from accumulated other comprehensive income to retained earnings. | 33 | 10K |
5340 | 5,174 | Legacy Life Insurance Run-Off Lines - include whole life, long term care and exited Accident & Health product lines. Also includes certain structured settlement, terminal funding and single premium immediate annuities written prior to April 2012. | 36 | 10K |
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