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3807 | 984 | Deferred income taxes reflect the net tax effects of temporary differences between the carrying amounts of assets and liabilities for financial reporting purposes and the amounts used for income tax purposes, together with net operating loss and tax credit carryforwards. Significant components of our deferred tax assets were as follows (in thousands): | 52 | 10K |
5919 | 578 | Gross premiums earned increased $138.7 million, or 23.8%, to $721.0 million for the year ended December 31, 2020, as compared to $582.3 million for the year ended December 31, 2019. The higher gross premiums earned was primarily driven by continued non-Florida growth, including $73.3 million from MIC's non-Florida business. | 49 | 10K |
ScorSE-AR_2020 | 3,388 | Accounts payable on ceded reinsurance transactions (564) (666) (1,230) (623) (808) (1,431) | 12 | annual_report |
HelvetiaHoldingAG-AR_2013 | 2,230 | Heldtomaturity investments (HTM) 235.1 727.9 607.6 1 804.7 – 3 375.3 | 11 | annual_report |
NatixisSA-AR_2016 | 440 | The guarantee, which was agreed in principle and announced in August 2009, was formally approved on November 12, 2009 by the corporate bodies of BPCE and of Natixis, with retroactive effect to July 1, 2009. | 35 | annual_report |
StorebrandASA-AR_2016 | 800 | As an extension of the general policies and guidelines, a code of ethics has been drawn up that applies to all employees and representatives of | 25 | annual_report |
3613 | 942 | As discussed below and under the caption “Description of Business-Loss Reserves,” there are a number of factors that could cause actual losses and loss adjustment expenses to differ materially from the amount that we have reserved for losses and loss adjustment expenses. | 42 | 10K |
4067 | 1,014 | Mortgage loans on real estate: Mortgage loans on real estate are reported at amortized cost, less impairment write-downs and allowance for losses. If the value of any mortgage loan is determined to be impaired (i.e., when it is probable that the Company will be unable to collect all amounts due according to the contractual terms of the loan agreement), the carrying value of the mortgage loan is reduced to either the present value of expected cash flows from the loan, discounted at the loan’s effective interest rate, or fair value of the collateral. For those mortgages that are determined to require foreclosure, the carrying value is reduced to the fair value of the underlying collateral, net of estimated costs to obtain and sell at the point of foreclosure. The carrying value of the impaired loans is reduced by establishing a permanent write-down recorded in Net realized capital gains (losses). | 149 | 10K |
PosteItalianeSpA-AR_2016 | 1,081 | (46) Where, following entry into effect of the new legislation, the employee has not exercised any option regarding the investment of vested employee termination benefits, the Group has remained liable to pay the benefits until 30 June 2007, or until the date, between 1 January 2007 and 30 June 2007, on which the employee exercised a specific option. Where no option was exercised, from 1 July 2007 vested employee termination benefits have been paid into a supplementary pension fund. | 79 | annual_report |
de_allianz-AR_2008 | 848 | Allianz SE of � 1,585,675,000 for the fiscal year 2008 be appropriated as follows: – Distribution of a dividend of � 3.50 per no-par share entitled to a dividend: � 1,585,675,000. | 31 | annual_report |
2907 | 613 | During the year ended December 31, 2005, the Company completed 50 acquisitions. Individually, these acquisitions were not material. Of these acquisitions, 31 have been in the Company’s title insurance segment, 1 in the Company’s mortgage information segment, 3 in the Company’s property information segment and 15 in the Company’s risk mitigation and business solutions segment. The aggregate purchase price of the 35 acquisitions included in the Company’s title insurance, mortgage information and property information segments was $225.2 million in cash, $44.7 million in notes payable and 2.0 million shares of the Company’s common stock valued at $73.3 million. The operating results of these acquired companies were included in the Company’s consolidated financial statements from their respective acquisition dates. The 15 acquisitions included in the Company’s risk mitigation and business solutions segment were completed by the Company’s publicly-traded subsidiary, First Advantage Corporation. The aggregate purchase price of these acquisitions was $108.6 million in cash, $54.9 million in notes payable and 2.0 million shares, valued at $51.0 million, of First Advantage’s Class A common stock. The purchase price of each acquisition was allocated to the assets acquired and liabilities assumed using a variety of valuation techniques including discounted cash flow analysis. As a result of the 50 | 205 | 10K |
2824 | 1,783 | The number of asbestos cases that may be brought or the aggregate amount of any liability that Metropolitan Life may ultimately incur is uncertain. Accordingly, it is reasonably possible that the Company's total exposure to asbestos claims may be greater than the liability recorded by the Company in its consolidated financial statements and that future charges to income may be necessary. While the potential future charges could be material in particular quarterly or annual periods in which they are recorded, based on information currently known by management, management does not believe any such charges are likely to have a material adverse effect on the Company's consolidated financial position. | 108 | 10K |
AvivaPLC-AR_2000 | 55 | £61m >£2,501 million of new retail investment sales >£220 billion of assets under management >To provide the investment expertise that will safeguard our customers’ wealth over the long term >To share techniques and expertise around the world and to operate increasingly as a global fund manager >To exploit CGNU’s scale to attract the best investment talent and to generate superior returns >To meet the growing demand for equity-related retail products such as mutual funds and unit trusts 1 – UK £897m 2 – Europe (excluding UK) | 86 | annual_report |
AdmiralGroupPLC-AR_2012 | 1,262 | Number of free share awards vesting during the year ended 31 December 2012: Original Awards | 15 | annual_report |
fr_axa-AR_2005 | 4,246 | Payables arising from direct insurance and inward reinsurance operations 4,680 4,680 3,863 3,863 | 13 | annual_report |
SwissReAG-AR_2018 | 1,168 | SST risk-bearing capital – market value margin 46 345 40 637 –5 708 SST target capital – market value margin 17 217 16 188 –1 029 SST ratio 269% 251% –18pp | 31 | annual_report |
NatwestGroupPLC-AR_2017 | 1,733 | The company did not pay a dividend on ordinary shares in 2015, 2016 or 2017. | 15 | annual_report |
4970 | 2,236 | Managed gross premiums written for the year ended December 31, 2014 were $135.2 million compared to $143.1 million for the year ended December 31, 2013, a decrease of $8.0 million or 5.6%. A reconciliation of managed gross premiums written to gross premiums written, the most comparable U.S. GAAP financial measure, is presented in the section entitled "Non-GAAP Financial Measures." | 59 | 10K |
Sampoplc-AR_2017 | 2,385 | The reclassification of medical malpractice pool public sector from a service contract to an insurance contract effect also payables balances. Payables of EUR 112 million are reclassified from trade payables to the insurance obligations. | 34 | annual_report |
2223 | 464 | The Company monitors the creditworthiness of counterparties to these financial instruments by using criteria of acceptable risk that are consistent with on-balance sheet financial instruments. The controls include credit approvals, credit limits and other monitoring procedures. Additionally, the Company enters into collateral agreements with its derivative counterparties. As of December 31, 2003, the Company held collateral under these contracts amounting to approximately $96.9 million. | 64 | 10K |
RSAInsuranceGroupPLC-AR_2013 | 2,986 | The directors believe that the methodology used supports the inclusion of the investments in subsidiaries in the statement of financial position, at the fair values ascribed to them. The market value of the Company’s ordinary shares at 31 December 2013 was 91.4p. A movement of 1% in the share price would have an impact of £34m on the fair value. | 60 | annual_report |
SwissReAG-AR_1992 | 28 | Summary of mportant Figures in millions of Swiss francs Swiss Re, Zurich 1992 1991 | 14 | annual_report |
de_allianz-AR_2008 | 2,015 | On the other hand, we believe that supplementary insurance will further increase, despite ongoing competition from statutory health insurers which have been allowed to offer special supplementary insurance (so called “Wahltarif ”) from 2007 onwards. | 35 | annual_report |
5754 | 846 | We were organized by the NDFB to provide insurance protection for its members. We have a royalty agreement with the NDFB that recognizes the use of their trademark and provides royalties to the NDFB based on the premiums written on Nodak Insurance’s insurance policies. Royalties paid to the NDFB were $1,352, $1,315, and $1,289 during the years ended December 31, 2019, 2018, and 2017 respectively. Royalty amounts payable of $115 and $108 were accrued as a liability to the NDFB at December 31, 2019 and 2018, respectively. | 87 | 10K |
4066 | 1,358 | Insurance and facultative reinsurance contracts are written based on agreed upon terms and conditions which include a stated premium for coverages provided. The stated premium is then recorded as written premium at the effective date of the policy. In general, if the terms and conditions change during the policy period, either through policyholder request or underwriting audit, the policy would be endorsed to reflect the change in coverage. This endorsement usually generates a change to the policy premium which is then recorded as an adjustment to written premium. | 88 | 10K |
ScorSE-AR_2009 | 235 | Firstly, a deterioration in the financial situation of an issuer (sovereign, public or private) may result in an increase in the relative cost of refinancing and a reduction in the liquidity of the securities issued leading to a reduction in the value of its bonds. Secondly, the borrower’s financial situation can cause it to become insolvent and lead to the partial or total loss of coupons and of the principal invested by SCOR. | 73 | annual_report |
NatixisSA-AR_2004 | 1,326 | Net gains/(losses) on trading account securities 21 92 35 (93) Net gains/(losses) on trading account securities 257 43 (33) Net foreign exchange gains/(losses) 41 3 38 Net gains/(losses) on financial instruments (206) (11) (98) | 34 | annual_report |
INGGroepNV-AR_2010 | 1,052 | JACKSON P. TAI (Born 1950, American nationality, male; appointed in 2008, resigned on 6 January 2011) Former vice-chairman and chief executive officer of DBS Group Holdings. Former managing director in the Investment Banking Division of JP Morgan. Other business activities: non-executive director of each of NYSE Euronext, MasterCard Incorporated, CapitaLand, and Bank of China Limited (pending regulatory approval). Non-executive chairman and director of Brookstone, Inc. Trustee of Rensselaer Polytechnic Institute. | 70 | annual_report |
Sampoplc-AR_2015 | 155 | Due to structural improvements If P&C also invested heavily in change management. However, the total number of employees has remained stable during 2015. | 23 | annual_report |
4720 | 451 | Estimation of losses is inherently judgmental. The conditions that affect the claim rate and claim severity include the current and future state of the domestic economy, including unemployment and the current and future strength of local housing markets. Current conditions in the housing and mortgage industries make these assumptions more volatile than they would otherwise be. The actual amount of the claim payments may be substantially different than our loss reserve estimates. Our estimates could be adversely affected by several factors, including a deterioration of regional or national economic conditions, including unemployment, leading to a reduction in borrowers’ income and thus their ability to make mortgage payments, and a drop in housing values that could result in, among other things, greater losses on loans that have pool insurance, and may affect borrower willingness to continue to make mortgage payments when the value of the home is below the mortgage balance. Our estimates are also affected by any agreements we enter into regarding our claims paying practices, such as the settlement agreements discussed in Note 20 - “Litigation and Contingencies” to our consolidated financial statements in Item 8. Changes to our estimates could result in a material impact to our results of operations, even in a stable economic environment. | 208 | 10K |
NatixisSA-AR_2015 | 2,986 | R TABLEAU 16B: DESCRIPTION OF FACTORS THAT HAVE IMPACTED EXPECTED LOSSES ON PERFORMING EXPOSURES With the exception of transactions measured under the standardized approach, other items not representing a credit obligation, equities or securitization positions. | 35 | annual_report |
HelvetiaHoldingAG-AR_2018 | 2,917 | Obtain an understanding of internal control relevant to the audit in order to design audit procedures that are appropriate in the circumstances, but not for the purpose of expressing an opinion on the effectiveness of the Group’s internal control. | 40 | annual_report |
3833 | 7,766 | In 2006, GAFRI sold Chatham Bars Inn, a resort hotel located on Cape Cod, Massachusetts, for $166 million. After sales expenses, contingencies and the write-off of certain deferred acquisition costs on annuities associated with the gain recognition, GAFRI recognized a pretax gain of approximately $48.7 million. In 2007, GAFRI received an additional escrow payment in connection with the sale. The operating results and gains on the sales of Chatham are included in discontinued operations in the Statement of Earnings. See Note K - "Discontinued Operations." | 85 | 10K |
fr_axa-AR_2008 | 1,248 | Net investment result improved by €39 million (+28%) to €181 million. On a constant exchange rate basis, net investment result increased by €33 million (+23%) driven by higher volume and higher investment return, mainly on loans and bonds. | 38 | annual_report |
3992 | 11,858 | In December 2007, the FASB issued new accounting guidance which clarifies that a noncontrolling interest in a subsidiary is that portion of the subsidiary’s equity that is attributable to owners of the subsidiary other than its parent or parent’s affiliates. Noncontrolling interests are required to be reported as equity in the consolidated financial statements and as such, net income will include amounts attributable to both the parent and the noncontrolling interest with disclosure of the amounts attributable to each on the face of the consolidated statements of operations, if material. All changes in a parent’s ownership interest in a subsidiary when control of the subsidiary is retained should be accounted for as equity transactions. In contrast, when control over a subsidiary is relinquished and the subsidiary is deconsolidated, a parent is required to recognize a gain or loss in net income as well as provide certain associated expanded disclosures. The new guidance requires prospective application as of the beginning of the fiscal year in which the standard is initially applied, except for the presentation and disclosure requirements which are to be applied retrospectively for all periods presented. The adoption did not have an effect on the Company’s results of operations or financial position. | 203 | 10K |
LloydsBankingGroupPLC-AR_2002 | 247 | Weighted sales by distribution channel: Branch network 350.6 376.2 Independent financial advisors 348.5 279.8 | 14 | annual_report |
RaiffeisenBankInternationalAG-AR_2018 | 5,440 | Liabilities are predominantly recognized at amortized cost. In addition to interest expense, if there are differences between the amount paid and face value, the effective interest method is used and amounts are shown in net interest income. This category mainly includes customer deposits and securities issues for refinancing purposes. | 49 | annual_report |
4251 | 888 | The federal income tax provisions vary from the amounts computed when applying the statutory federal income tax rate. A reconciliation of the effective tax rate for American National to the statutory federal income tax rate is shown below (in thousands, except percentages): | 42 | 10K |
PhoenixGroupHoldingsPLC-AR_2016 | 1,613 | This was increased to £1.032 billion to £1.182 billion to reflect the AXA and Abbey acquisitions (£191 million increase to the range). | 22 | annual_report |
705 | 447 | The Company is a specialty property, casualty, marine and aviation insurance and reinsurance company operating in the London market through its London based subsidiary, Terra Nova, in the Continental European Market through its French subsidiary, Corifrance, purchased on September 8, 1997, in the Bermuda market through its Bermuda based subsidiary, Terra Nova (Bermuda) and in the Lloyd's market through its London based subsidiary, Terra Nova Capital. Writings originate worldwide. The vast majority of insurance and reinsurance business is written through brokers authorized to place business at Lloyd's. Business is also written through non-Lloyd's brokers and with individual ceding companies. The broker is regarded as the agent of the insured or reinsured in placing the business. The Company also owns the business and assets of Octavian, a Lloyd's managing agent, consisting primarily of the rights to manage eight Lloyd's syndicates (the "Octavian syndicates"), for the 1998 year of account. | 148 | 10K |
TrygAS-AR_2017 | 1,153 | 21 Other provisions Other provisions at 1 January 125 132 Exchange rate adjustment -4 0 Change in provisions -10 -7 | 20 | annual_report |
5069 | 570 | directly or indirectly, to approximately 81% of the net income of the Company, compared to approximately 77% as of December 31, 2014. For more information on the Company’s structure, see Note 1-Organization, in the accompanying consolidated financial statements. | 38 | 10K |
StandardLifeAberdeenPLC-AR_2014 | 949 | Furthermore, to support our transition to becoming a global investment solutions provider and to create alignment across our most senior leadership population we are proposing, for this population, the application of a consistent long-term incentive arrangement. In order to be able to provide a consistent long–term incentive arrangement across the leadership population two rule changes to the Executive LTIP plan rules are proposed. | 63 | annual_report |
2187 | 1,145 | interest crediting rates and the potential for credit defaults and lower reinvestment rates on investments, we could experience additional spread compression in future periods. | 24 | 10K |
ScorSE-AR_2019 | 968 | X -XX ---Kory SORENSON X-X - -Claude TENDIL --X -X -XX -X | 12 | annual_report |
194 | 521 | The cost and estimated fair values of equity securities are as follows (in thousands): | 14 | 10K |
1958 | 690 | The Company reported a before-tax net realized investment loss of $315.0 million, comprised of gross gains of $208.2 million and gross losses of $523.2 million, of which $454.4 million related to write-downs on fixed maturity and equity securities. These write-downs were recognized as a result of management’s determination that the value of certain fixed maturity and equity securities had other than temporarily declined during the applicable quarter of 2002, as well as the result of further declines in the values of fixed maturity and equity securities that had initially been written down in a prior period. The value of the securities was determined to have other than temporarily declined or to have further declined from the initial impairment based on the factors discussed herein in “Critical Accounting Policies.” Due to the current negative credit market environment and the associated economic uncertainty, the Company anticipates additional investment losses will occur during 2003. | 151 | 10K |
4303 | 938 | Alleghany’s ability and intent to hold the investment for a period of time sufficient to allow for any anticipated recovery. | 20 | 10K |
AvivaPLC-AR_2014 | 4,794 | O ther inform ation Aviva plc Annual report and accounts 2014 | 289 | 13 | annual_report |
NatwestGroupPLC-AR_2015 | 3,105 | RBS Risk Management is a function independent of the franchises, structured by risk discipline to facilitate the effective management of risk. | 21 | annual_report |
2909 | 3,319 | Unfavorable homeowner reserve reestimates in 2005 were primarily due to severity development that was greater than expected. In 2005, reestimates included $66 million related to 2004 hurricanes of which $31 million was the FL Citizens assessment that was accruable in 2005. These were offset primarily by late reported loss development that was better than expected. | 55 | 10K |
5540 | 1,644 | $17.7 million of adverse development was experienced in 2018 on the reserve for losses and loss adjustment expenses held at December 31, 2017. This adverse reserve development included $15.0 million of adverse development in the Excess and Surplus Lines segment, including $20.7 million of adverse development in the commercial auto line of business that was primarily related to the 2016 contract year with one insured. The adverse development for commercial auto was partially offset by $5.7 million of favorable development in other Excess and Surplus Lines underwriting divisions primarily from favorable development in the Excess Property underwriting division related to the 2017 hurricanes. Favorable reserve development in the Specialty Admitted Insurance segment was $5.6 million and primarily came from accident years 2014 through 2016, as loss emergence on our workers’ compensation business written prior to 2016 continued to develop more favorably than we had anticipated. In addition, $8.2 million of adverse development occurred in the Casualty Reinsurance segment, with a majority of this adverse development coming primarily from accident years at least four years old and in treaties the Company has since non-renewed. | 183 | 10K |
SwissReAG-AR_1988 | 483 | Adriatico in the consolidation for the first time and to higher capital funds and increased reported earnings. | 17 | annual_report |
2188 | 843 | Also on the date of demutualization, Prudential Financial completed an initial public offering of its Common Stock and completed the sale, through a private placement, of its Class B Stock, a separate class of common stock. The Common Stock reflects the performance of the Financial Services Businesses and the Class B Stock reflects the performance of the Closed Block Business, which are discussed below. | 64 | 10K |
3996 | 620 | Capital Ratios. The NAIC’s model law for RBC provides formulas to determine the amount of capital and surplus that an insurance company needs to ensure that it has an acceptable expectation of not becoming financially impaired. At December 31, 2009 and 2008, the capital and surplus of all our insurance companies substantially exceeded the RBC requirements. | 56 | 10K |
5634 | 9,174 | If we have not made the decision to sell the fixed income security and it is not more likely than not we will be required to sell the fixed income security before recovery of its amortized cost basis, we evaluate whether we expect to receive cash flows sufficient to recover the entire amortized cost basis of the security. We use our best estimate of future cash flows expected to be collected from the fixed income security, discounted at the security’s original or current effective rate, as appropriate, to calculate a recovery value and determine whether a credit loss exists. The determination of cash flow estimates is inherently subjective and methodologies may vary depending on facts and circumstances specific to the security. All reasonably available information relevant to the | 128 | 10K |
3109 | 326 | Consolidated Balance Sheets as of December 31, 2006, and 2005 40 | 11 | 10K |
AdmiralGroupPLC-AR_2019 | 3,382 | Deposits are held with well rated institutions; as such the approximate fair value is the book value of the investments as impairment of the capital is not expected. | 28 | annual_report |
1551 | 461 | The Company manages the majority of its invested assets internally. The Company's general investment policy is to hold fixed maturity securities for long-term investment and, accordingly, the Company does not have a trading portfolio. To provide for maximum portfolio flexibility and appropriate tax planning, the Company classifies its entire portfolio of fixed maturity securities as "available for sale" and accordingly carries such investments at fair value. The Company's total investments at December 31, 2000 and 1999 reflected net unrealized losses of $62.0 million and $318.6 million, respectively. | 87 | 10K |
NatwestGroupPLC-AR_2017 | 854 | The Deputy Secretary and Director, Corporate Governance undertook a formal and rigorous evaluation by: preparing surveys that were completed by each director and holding interviews with each director; discussing the key themes and recommendations for action with the Chairman; and recommending the key themes and proposed actions to the | 52 | annual_report |
3101 | 1,274 | Our property and casualty operations provide liquidity in that premiums are generally received months or even years before losses are paid under the policies purchased by such premiums. Historically, cash receipts from operations, consisting of insurance premiums and investment income, have provided more than sufficient funds to pay losses, operating expenses and dividends to Chubb. After satisfying our cash requirements, excess cash flows are used to build the investment portfolio and thereby increase future investment income. | 76 | 10K |
NatixisSA-AR_2018 | 11,286 | Average voluntary employee profit-sharing (in thousands of euros) 5.7 5.2 5.1 | 11 | annual_report |
CNPAssurancesSA-AR_2005 | 1,435 | As of the 2004 year-end, models had been produced for 32 processes, including 10 of the 11 processes that materially impact the accounts. The project is expected to be completed on schedule at the end of 2005. A new Internal Control unit was set up in 2004 within the Risks and Internal Control department, with responsibility for verifying the existence of controls reported during the business process modelling exercise and assessing the controls’ effectiveness and the quality of the related documentation. The first tests were performed in mid2004 on one of the processes that materially impacts the accounts. The testing plan will be considerably extended in 2005, as the unit becomes fully operational, focusing on controls over material business processes. | 120 | annual_report |
NatwestGroupPLC-AR_2007 | 2,840 | The Group grants options over shares in The Royal Bank of | 11 | annual_report |
5549 | 1,372 | Additional Health Insurer Fee revenue in 2018 related to Fidelis Care as some of those revenues will be subject to the Health Insurer Fee following the first year of the closing of the Fidelis Care acquisition, absent a Health Insurer Fee moratorium. | 42 | 10K |
GjensidigeForsikringASA-AR_2010 | 786 | in the municipal market, the distribution takes place either directly or by brokers and is largely based on competitive tenders. | 20 | annual_report |
INGGroepNV-AR_2011 | 303 | In addition to the sponsorship activities, the ING Collection, which is curated by ING Art Management and consists of 15,000 artworks contributes to our art & culture philosophy. Art is an essential part of ING’s corporate identity and creates a colourful daily work environment in ING offices worldwide. Art is displayed everywhere at ING offices: in corridors, meeting rooms and restaurants. Many ING employees feel proud to be surrounded by works of art, which stimulate social interaction and create an inspirational environment. Objects from the ING Collection are often found in specialised (contemporary) art museums and exhibitions as well. In 2011, while reviewing the art collection following the operational split of the banking and insurance operations, a sizeable portion of our collection was donated to hospitals and care facilities in the Netherlands. | 132 | annual_report |
PowszechnyZakladUbezpieczenSA-AR_2016 | 25 | a foundation of rational and responsible financial, human, social, environmental, and intellectual capital management. | 14 | annual_report |
5178 | 1,122 | The Company’s obligations under the credit facility are secured by pledges of its assets and the capital stock of its operating subsidiaries. The credit facility is guaranteed by the Company’s non-insurance company subsidiaries. The credit facility contains covenants including requirements to maintain minimum risk-based capital ratios and statutory surplus of Safety Insurance Company as well as limitations or restrictions on indebtedness, liens, and other matters. As of December 31, 2015, the Company was in compliance with all covenants. In addition, the credit facility includes customary events of default, including a cross-default provision permitting the lenders to accelerate the facility if the Company (i) defaults in any payment obligation under debt having a principal amount in excess of $10,000 or (ii) fails to perform any other covenant permitting acceleration of all such debt. | 132 | 10K |
2223 | 324 | The PRIMERICA business segment consolidates the businesses of Primerica Life, Primerica Life Insurance Company of Canada, CitiLife and NBL. The Primerica business segment offers individual life products, primarily term insurance, to customers through a sales force of approximately 107,000 representatives. A great majority of the domestic licensed sales force works on a part-time basis. | 54 | 10K |
GjensidigeForsikringASA-AR_2013 | 1,005 | Subsidiaries are reinsured by Gjensidige Forsikring ASA and the subsidiaries’ reinsurance exposure is included in the outwards reinsurance programme for the Group. | 22 | annual_report |
RSAInsuranceGroupPLC-AR_2013 | 400 | Motor insurance is a significant part of our business and that means we have a clear interest in making driving safer. It is a tragedy that more than a million people every year are killed on roads and a further 50 million are injured. Road accidents are the world’s leading cause of death for young people and the World Health Organization believes they will be the third-largest burden on global health by 2020. The emotional, economic and social cost is substantial, with most countries losing 1–3% of their Gross National Product as a direct result. | 95 | annual_report |
AdmiralGroupPLC-AR_2018 | 229 | Our continued investment in maintaining and building our brand in 2018 was around £10 million. Had we cut that spend, most of that £10 million would have fallen to the bottom line, given the lag between cutting spend and a brand withering away. But “Admiral”, one of the UK’s most recognised financial services brands, is an asset worth investing in for the long-term. | 63 | annual_report |
5879 | 1,736 | For the years ended December 31, 2020, 2019 and 2018 190 | 11 | 10K |
StorebrandASA-AR_2020 | 1,357 | The Board of Storebrand ASA and the directors of the subsidiaries adopt a risk appetite and risk strategy at least once per year. Risktaking shall contribute to the achievement of our strategic and commercial goals, including customers receiving a competitive return on their pension funds, and that Storebrand receives adequate payment for taking on risk. Risk appetite is defined as the overall risk level and what types of risk are deemed acceptable. The guidelines from the risk appetite are incorporated in our risk strategy, which sets the targets and frameworks. Based on these, more detailed strategies are compiled for different risk categories. Storebrand publishes an annual Solvency and Financial Condition Report (SFCR) which helps customers and other stakeholders understand the risks in the business and how these are managed. | 129 | annual_report |
de_allianz-AR_2010 | 1,198 | We expect operating profit in our Life/Health business to be within the range € 2.2 billion to € 2.8 billion. It must be noted that market volatility and the level of net harvesting can significantly impact the Life/Health segment results. | 40 | annual_report |
TrygAS-AR_2002 | 43 | Earnings The Tryg Vesta Group needs to demonstrate strong growth in earnings and consolidation on its own merits. The Group aims to further expand its expertise within underwriting, risk assessment and claims handling. | 33 | annual_report |
StorebrandASA-AR_2003 | 1,487 | Operating profit: Operating profit from the year's operations including the share due to insurance customers. | 15 | annual_report |
4337 | 1,662 | The second long-term incentive compensation plan allows awards to Company employees for ISOs, NQSOs, restricted stock, restricted stock units, and stock appreciation rights. Non-employee directors are eligible for grants of NQSOs, restricted stock, and stock appreciation rights. Generally, the awards vest based upon time-based conditions or time- and performance-based conditions. Performance-based vesting conditions generally include the attainment of goals related to Company financial performance. As of December 31, 2011, approximately 14.9 million shares were available for future grants under this plan, and the only performance-based awards issued and outstanding were restricted stock awards. | 93 | 10K |
NNGroupNV-AR_2018 | 1,275 | The EVP represents what our employees experience and benefit from during their employment period within NN and what we expect from them. It is the rational and emotional articulation of the tangible benefits employees receive as a result of working for NN Group. The EVP highlights the factors that make NN attractive to the labour market. | 56 | annual_report |
fr_axa-AR_2008 | 7,072 | – issue ordinary shares and/or securities giving a claim on ordinary shares of the Company in return for securities tendered to the Company in France or abroad during a public exchange offer initiated by AXA and complying with the conditions set in Article L.225-148 of the French Commercial Code (16th resolution), | 51 | annual_report |
NatixisSA-AR_2014 | 810 | Key advisory skills: entrepreneurial experience, knowledge of the regional economic fabric. | 11 | annual_report |
3684 | 1,725 | In March 2008, the FASB issued SFAS No. 161, “Disclosures about Derivative Instruments and Hedging Activities, an amendment of SFAS No. 133.” This statement amends and expands disclosures about an entity’s derivative and hedging activities with the intent to provide users of financial statements with an enhanced understanding of (a) how and why an entity uses derivative instruments, (b) how derivative instruments and related hedged items are accounted for under SFAS No. 133 and its related interpretations, and (c) how derivative instruments and related hedged items affect an entity’s financial position, financial performance, and cash flows. SFAS No. 161 is effective for financial statements issued for fiscal years and interim periods beginning after November 15, 2008, with early application encouraged. SFAS No. 161 encourages, but does not require, comparative disclosures. The Company will adopt SFAS No. 161 on January 1, 2009. | 141 | 10K |
BaloiseHoldingLtd-AR_2007 | 1,377 | Gross premiums written, policy fees and investment-type premiums 7,635.7 7,384.3 7,393.5 7,491.2 7,937.6 | 13 | annual_report |
AegonNV-AR_2019 | 2,773 | Recovery and resolution Dutch Act on Recovery & Resolution for Insurers On January 1, 2019, the Dutch Act on Recovery & Resolution for Insurers (R&R Act) came into force in the Netherlands, replacing the previously applicable intervention regime for insurance companies in the Netherlands faced with financial difficulties. The R&R Act has introduced a revised regulatory framework for recovery and resolution of Dutch insurance and reinsurance companies and provides for a range of measures to be taken by these companies and the Dutch Central Bank ex ante, in order for these insurance and reinsurance companies to be prepared for recovery in circumstances where it no longer meets the required solvency requirements and for orderly resolution, in circumstances where it is failing or is likely to fail. | 126 | annual_report |
HelvetiaHoldingAG-AR_2015 | 1,049 | Change in unrealised gains and losses on investments – 370.1 1 669.5 | 12 | annual_report |
AegonNV-AR_2019 | 8,568 | DB products without profit sharing and with guaranteed benefit payments. All investment risk and longevity risk is borne by Aegon and customers need to contribute additional funds for indexations. | 29 | annual_report |
5439 | 3,395 | The Risk-to-capital ratio for our combined mortgage insurance operations was 12.1 to 1 as of December 31, 2017, compared to 13.6 to 1 as of December 31, 2016. In addition to Radian Guaranty and Radian Reinsurance, this combined ratio also includes Radian Guaranty Reinsurance, Radian Mortgage Assurance, Radian Investor Surety Inc., Radian Insurance, Radian Mortgage Insurance, and Radian Mortgage Guaranty Inc. Radian Insurance is the only entity that had any remaining RIF as of December 31, 2017, totaling $24.1 million. The aggregate statutory net income, statutory policyholders’ surplus and contingency reserve for these six subsidiaries as of and for the years ended December 31, 2017, 2016 and 2015 were as follows: | 111 | 10K |
SwissLifeHoldingAG-AR_2008 | 2,639 | MLP AG, Wiesloch – from 20.11.2008 – 24.3% equity EUR 107 791 | 12 | annual_report |
3828 | 940 | Risk in force - net at December 31, 2008, as shown in the table above, is net of reinsurance and established loss reserves as discussed under “Capital” above. Risk in force - net at December 31, 2007 is net of reinsurance. | 41 | 10K |
NatixisSA-AR_2018 | 7,226 | Variations linked to changes in credit risk parameters (excluding transfers) (2,745) 1 (52) (0) 5 (4) (2,792) (4) | 18 | annual_report |
gb_prudential-AR_2008 | 1,616 | Liabilities Policyholder liabilities and unallocated surplus of with-profits funds: Insurance contract liabilities H12 136,030 132,776 Investment contract liabilities with discretionary participation features G1 23,446 29,550 Investment contract liabilities without discretionary participation features G1 14,501 14,032 Unallocated surplus of with-profits funds H12 8,414 13,959 | 43 | annual_report |
MuenchenerRueckversicherungsGesellschaftAGinMuenchen-AR_2006 | 1,331 | Medium- and long-term compensation component – Medium-term bonus The medium-term bonus is based on performance over a three-year period. It is measured on the basis of the Group result category from the short-term compensation component. Payments are made only if the achievement rate is at least 50% on average for the three-year period. | 53 | annual_report |
fr_axa-AR_2008 | 1,806 | Positions currently held in the AXA Group Member of the Management Board: AXA Chairman and Chief Executive Officer: • AXA France IARD • AXA France Vie Chairman: AXA France Assurance (SAS) Chairman of the Board of Directors: AXA Corporate Solutions Assurance Vice-Chairman of the Board of Directors: AXA Canada Inc. (Canada) Director: • AXA Assurances IARD Mutuelle • AXA Assurances Vie Mutuelle • AXA Assurances Inc. (Canada) • AXA Insurance (Canada) • AXA General Insurance (Canada) • AXA Pacific Insurance Company (Canada) • AXA Assurances agricoles Inc. (Canada) • AXA Holding Maroc (Morocco) • AXA Assurance Maroc (Morocco) | 98 | annual_report |
1664 | 315 | From December 31, 2000 to December 31, 2001 there was a decrease of $966 million in total assets from $23.059 billion to $22.093 billion, the majority of which relates to a $1.310 billion decrease in Separate Accounts primarily from stock market declines, as described below. The fixed maturity portfolio increased $139 million resulting from unrealized appreciation from declining interest rates and from positive cash inflows. The transfer of the Company's Taiwan branch accounted for using coinsurance accounting required the establishment of reinsurance recoverable of $260.6 million, and the inclusion of the Taiwan branch future policy reserve liabilities on the Company's balance sheet. The Company also reclassified held-to-maturity securities, amounting to $324.5 million at January 1, 2001 to the available-for-sale category. | 120 | 10K |
SwissReAG-AR_2016 | 1,959 | Based on our long-standing commitment to enabling sustainable progress, we believe that it is important to recognise and address such dilemmas. Doing so requires a well-defined approach and the willingness to make decisions based on ethical principles. | 37 | annual_report |
AvivaPLC-AR_2017 | 3,651 | Strategic report Governance IFRS financial statements Other information 22 – Fair value methodology continued The majority of the Group’s assets and liabilities measured at fair value are based on quoted market information or observable market data. Of the total assets and liabilities measured at fair value 15.7% (2016: 15.8%) of assets and 3.2% (2016: 4.4%) of liabilities are based on estimates and recorded as Level 3. Where estimates are used, these are based on a combination of independent third-party evidence and internally developed models, calibrated to market observable data where possible. Third-party valuations using significant unobservable inputs validated against Level 2 internally modelled valuations are classified as Level 3, where there is a significant difference between the third-party price and the internally modelled value. Where the difference is insignificant, the instrument would be classified as Level 2. | 137 | annual_report |
122 | 551 | On April 13, 1995, the Company received $2 million proceeds from a promissory note payable to the investors who acquired approximately 49% of the outstanding common shares. The debt accrues interest at prime rate plus 2%, and is payable in full no later that May 1, 1996. The note is secured by certain property and equipment of the Company and its subsidiaries. | 62 | 10K |
NNGroupNV-AR_2018 | 277 | Technological developments and digitalisation have led to an increase of available data in recent years. This data now allows us to better estimate risks, and further optimise and match our services to customer needs. The increase of available data can also allow us to make connections between different data sets, often leading to new information and insights. | 57 | annual_report |
SwissLifeHoldingAG-AR_2020 | 621 | No compensation was paid to closely linked parties in the year under review. | 13 | annual_report |
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