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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AssicurazioniGeneraliSpA-AR_2015 | 1,954 | The pricing model is based on simulation models generally used for this type of estimation. Other conditions different than market condition are considered external to this valuation. The probability that these conditions are satisfied, combined with the estimated fair value of the right to obtain free shares, defines ... | 52 | annual_report |
StorebrandASA-AR_2001 | 91 | in excess of the minimum requirement, the market value adjustment reserve and additional statutory reserves equivalent to one year’s interest guarantee. | 21 | annual_report |
2541 | 784 | The Company has certain contractual obligations and commercial commitments principally for providing letters of credit in connection with its assumed reinsurance segment and operating leases for office space for its headquarters and other regional offices. The table below presents the contractual payments due by period... | 53 | 10K |
gb_prudential-AR_2010 | 990 | “We direct our resources towards the issues that we believe are most relevant to our business and where we can make the most impact.” | 24 | annual_report |
4088 | 895 | In connection with the plan of conversion of CMIC, we have agreed with the Insurance Department that for a period of two years following the effective date of conversion of July 1, 2009, no dividend may be paid by KICO to us without the approval of the Insurance Department. We have also agreed with the Insurance Depart... | 77 | 10K |
3223 | 1,074 | In determining ultimate losses and LAE, the cost to indemnify claimants, provide needed legal defense and other services for insureds and administer the investigation and adjustment of claims are considered. These claim costs are influenced by many factors that change over time, such as expanded coverage definitions as... | 232 | 10K |
5648 | 689 | method. Realized gains and losses are determined using the specific identification method and included in the determination of net income. Net investment income includes interest and dividend income together with amortization of purchase premiums and discounts, and is net of investment management and custody fees. | 45 | 10K |
ch_zurich_insurance_group-AR_2004 | 1,810 | Zurich Finance (UK) p.l.c. 6.625% GBP bond, undated notes 848 795 | 11 | annual_report |
4901 | 1,333 | In March 2006, the California DOI issued an Amended Notice of Non-Compliance to a Notice of Non-Compliance originally issued in February 2004 (as amended, “2004 NNC”) alleging that the Company charged rates in violation of the California Insurance Code, willfully permitted its agents to charge broker fees in violation ... | 325 | 10K |
2360 | 736 | At December 31, 2002, warrants sold as part of an underwriting agreement at a price of $0.0001 per warrant, entitling the holder to purchase 125,000 shares of common stock at $10.86 per share, were outstanding. During 2003, all of the 125,000 shares were exercised. All of these potential common shares were excluded fro... | 70 | 10K |
AvivaPLC-AR_2016 | 8,544 | We focus on personal and commercial insurance. In the UK we hold the top position in the motor and property markets7. We believe our key strengths include underwriting and pricing sophistication, claims and cost management and excellent customer service. Our aim is to deliver cash and profitable growth by focusing on t... | 73 | annual_report |
948 | 497 | The Company has estimated the Risk-Based Capital Requirements of each of its insurance subsidiaries as of December 31, 1998 according to the formula issued by the NAIC. Each of the companies' policyholders' surplus exceeded the highest level of minimum required capital. | 41 | 10K |
4259 | 6,901 | Share repurchases In November 2010, we commenced a $1.00 billion share repurchase program. As of December 31, 2010, this program had $840 million remaining and is expected to be completed by March 31, 2012. | 34 | 10K |
fr_axa-AR_2015 | 5,886 | On September 1, 2015, AXA announced that it had completed the sale of its Mandatory Provident Fund (MPF) and Occupational | 20 | annual_report |
ASRNederlandNV-AR_2016 | 4,656 | Throughout the year Implementing improvements for business lines, teams, employees and processes | 12 | annual_report |
HiscoxLtd-AR_2015 | 259 | Group regulators As a Bermudian-registered holding company, the Bermuda Monetary Authority (BMA) is the Group’s regulator under the Bermuda Group Supervisory Framework. The BMA requires the Group to monitor its Group solvency capital requirement under which the Group provides a solvency return in accordance the Group S... | 62 | annual_report |
SwissReAG-AR_2006 | 837 | Walter B. Kielholz Swiss 55 Executive Vice Chairman of the Board | 11 | annual_report |
fr_axa-AR_2011 | 3,290 | The Committee is also informed of the compensation of the Group Executive Committee members (regarding cash compensation as well as the allocation of Company stock options, performance shares or performance units); ■ to issue proposals on the appointments of the Company’s | 41 | annual_report |
5380 | 1,791 | In 2015, Ambac UK 's Board of Directors adopted a long term incentive plan which provides cash based performance awards to Ambac UK employees. Cash based compensation expense related to performance awards granted to Ambac UK employees was $2,159, $283 and $253 for the years ended December 31, 2017, 2016 and 2015, respe... | 53 | 10K |
5923 | 800 | On June 4, 2019, AIlife entered into an acquisition agreement with the selling shareholder of Uniwill Insurance Broker Co., Ltd (“Uniwill”), Pursuant to the acquisition agreement, AIlife agreed to pay $14,535 (NTD 450,000) in exchange for the insurance brokerage licenses issued to Uniwill by the Taiwanese government, a... | 90 | 10K |
fr_axa-AR_2017 | 6,597 | emissions. AXA’s comprehensive environmental reporting process, which is verified by an independent third-party, allows AXA to evaluate its impact on and identify risks to the environment from its activities. Please refer to Section 7.3 “Environmental Information – Environmental r eporting n etwork and p rocess” of the... | 57 | annual_report |
Sampoplc-AR_2008 | 1,518 | Liabilities Liabilities for insurance and investment contracts 8,527 4,621 - - 13,148 Liabilities for unit-linked insurance and investment contracts - 2,071 - - 2,071 | 24 | annual_report |
TopdanmarkAS-AR_2020 | 711 | Gross premiums written 9,494 9,803 Gross premiums earned (9,463) (9,763) Change in risk margin 12 (3) | 16 | annual_report |
HannoverRueckSE-AR_2011 | 4,993 | The Supervisory Board once again devoted considerable attention to the issue of Corporate Governance. The Corporate | 16 | annual_report |
5462 | 4,156 | At December 31, 2017, the Company had available a foreign tax credit carryover of $8.0 million. The Company expects to utilize this credit within the carryover period. | 27 | 10K |
5604 | 1,889 | PCA’s losses and loss adjustment expenses ratio was 140.5% for the year ended December 31, 2018 as compared to 53.6% for the year ended December 31, 2017. | 27 | 10K |
4245 | 1,173 | The change in unearned premiums was a $10.3 million increase in 2009, compared with a $15.9 million decrease in 2008. The change was due to a $13.5 million increase in unearned homeowners’ insurance premiums of which $7.4 million is associated with our assumption of policies from Citizens, a $3.8 million decrease in un... | 103 | 10K |
3436 | 1,036 | Net cash flows provided by financing activities for the twelve months ended December 31, 2006 were $59.7 million compared to $1.6 million used in financing activities in 2005. The 2006 amount included the net proceeds from the issuance of $20.0 million in subordinated debentures on March 31, 2006 and the issuance of pe... | 80 | 10K |
1310 | 610 | Included in the stock acquisition agreement is an earnings covenant whereby UTG warrants UTG and its subsidiaries and affiliates will have future earnings of at least $30,000,000 for a five year period beginning January | 34 | 10K |
RSAInsuranceGroupPLC-AR_2014 | 882 | • Increased scrutiny of the near-term performance, including achievement of key milestones in line with the three-year strategic turnaround plan | 20 | annual_report |
INGGroepNV-AR_2009 | 1,220 | Issuance costs incurred –20 –20 –20 Employee stock option and share plans 31 31 31 Issue of non-voting equity securities 10,000 10,000 Changes in the composition of the group –455 –455 Dividends (3) –3,600 –3,600 –32 –3,632 Purchase/sale of treasury shares –44 –1,986 –2,030 –2,030 Exercise of warrants and options 5 443... | 54 | annual_report |
NatixisSA-AR_2008 | 2,374 | In 2008, Natixis Asset Management provided €2.5 million in fi nancing via its UCI Insertion Emplois Équilibre for 58 jobcreation projects in association with the non-profi t foundation | 28 | annual_report |
2724 | 813 | Marsh will implement company-wide written standards of conduct relating to compensation and will train relevant employees in a number of subject matters, including business ethics, professional obligations, conflicts of interest, anti-trust and trade practices compliance, and record keeping. | 38 | 10K |
4405 | 2,094 | Credit derivative transactions are governed by ISDA documentation and have different characteristics from financial guaranty insurance contracts. For example, the Company's control rights with respect to a reference obligation under a credit derivative may be more limited than when the Company issues a financial guaran... | 234 | 10K |
364 | 276 | The Insurance Companies and their subsidiaries have in place unsecured lines of credit with local financial institutions under which they may borrow up to an aggregate of $9.2 million. At December 31, 1996, $1.55 million was outstanding on one of these lines of credit, which has an annual interest rate equal to the len... | 135 | 10K |
4465 | 1,238 | A single large loss or an unexpected rise in claims severity or frequency due to a catastrophic event could present us with a liquidity risk. In an effort to control such losses, we avoid marketing property casualty insurance in specific geographic areas and monitor our exposure in certain coastal regions. An example o... | 179 | 10K |
3688 | 929 | Our income tax expense (benefit) from continuing operations was as follows: | 11 | 10K |
1868 | 586 | (3) Earnings per share information for 2001 represents unaudited pro forma earnings per common share for the year ended December 31, 2001. For purposes of calculating pro forma per diluted share information, weighted-average shares outstanding were used. For the period January 1, 2001 through October 25, 2001, we estim... | 106 | 10K |
4755 | 1,064 | Operating ROE increased modestly from 12.3% in 2012 to 12.7% in 2013. The increase in Operating ROE was primarily due to higher operating earnings in 2013 compared to 2012, as described above, and the accretive impact of share repurchases, which were partially offset by a higher beginning diluted book value per share a... | 81 | 10K |
4567 | 1,242 | Return on equity is calculated as net income for the period divided by the average of beginning and ending shareholders’ equity. This ratio measures our overall after-tax profitability and shows how efficiently invested capital is being used. | 37 | 10K |
PosteItalianeSpA-AR_2020 | 7,964 | Nevertheless, at 31 December 2020, the mortality risk is limited for the Group, considering the features of the products offered. The only area where this risk is somewhat significant is term life insurance. With reference to these products, a comparison is periodically made between actual deaths and those predicted by... | 81 | annual_report |
ASRNederlandNV-AR_2014 | 822 | Sh ar e p re m iu m r es er ve | 12 | annual_report |
4702 | 1,763 | CNO had no fixed maturity investments that were in excess of 10 percent of shareholders' equity at December 31, 2013 and 2012. | 22 | 10K |
NatixisSA-AR_2016 | 3,328 | precision and consistency analysis, stress tests, analysis of model suitability, etc. | 11 | annual_report |
NatixisSA-AR_2015 | 2,077 | V the strengthening of prudential and fiscal controls; V the reinforcement of monitoring of local control systems and support for the Review officers. | 23 | annual_report |
2188 | 853 | The Closed Block Business consists principally of the Closed Block, assets held outside the Closed Block that Prudential Insurance needs to hold to meet capital requirements related to the Closed Block policies, invested assets held outside the Closed Block that represent the difference between the Closed Block assets ... | 84 | 10K |
LloydsBankingGroupPLC-AR_2019 | 4,426 | 4 Other comprises: items in the course of collection from banks; investment properties; goodwill; value in-force business; other intangible assets; tangible fixed assets; current tax recoverable; deferred tax assets; retirement benefit assets; investments in joint ventures and associates; assets arising from reinsuranc... | 47 | annual_report |
4391 | 1,923 | The words “believe,” “anticipate,” “estimate,” “project,” “should,” “plan,” “expect,” “intend,” “hope,” “feel,” ”foresee,” “will likely result,” or “will continue,” and variations thereof and similar expressions, identify forward-looking statements. You are cautioned not to place undue reliance on these forward-looking... | 70 | 10K |
4756 | 3,521 | procedures, product design, product disclosure, administration, additional premium charges for premiums paid on a periodic basis, denial or delay of benefits, charging excessive or impermissible fees on products, recommending unsuitable products to customers, our pricing structures and business practices in our mortgag... | 248 | 10K |
4096 | 471 | •The California industry indemnity claim frequency decreased an average of 6% per year, and the average cost of an indemnity claim increased an average of 14% per year for accident years 2006 through 2008. The California industry combined frequency and severity trend for accident years 2006 through 2008 was on average ... | 70 | 10K |
LloydsBankingGroupPLC-AR_2017 | 509 | Our approach to tax is governed by our Tax Policy which is part of our Board-approved Group Risk Management Framework. We have discussed this Policy with HMRC and we comply with their Code of Practice on Taxation for Banks and the Confederation of British Industry’s Statement of Tax Principles. We do not interpret tax ... | 88 | annual_report |
2048 | 354 | Restated to reflect an adjustment to the Company’s historical accounting for CNA’s investment in life settlement contracts and the related revenue recognition. See Note T of the Consolidated Financial Statements included under Item 8 for further discussion. | 37 | 10K |
AvivaPLC-AR_2014 | 182 | • Complete proposed acquisition of Friends Life to: – add up to c.£70 billion of funds for Aviva Investors | 19 | annual_report |
ScorSE-AR_2008 | 1,100 | Other offi ces and positions held in any company in France and abroad as at the date of the | 19 | annual_report |
3269 | 4,838 | CASH AND INVESTED ASSETS. Aggregate invested assets, including cash and short-term investments, were $13,957.1 million at December 31, 2006 and $12,970.8 million at December 31, 2005. This increase in cash and invested assets resulted primarily from $636.3 million in cash flows from operations, $176.4 million of foreig... | 136 | 10K |
NatixisSA-AR_2006 | 2,875 | On the creation of Natixis, the market activities of the former Natexis Banques Populaires and Ixis Corporate & Investment Bank were juxtaposed. They were combined within the Corporate and Investment Banking division as part of the Capital Markets business. The principles of the market risk organization in place within... | 93 | annual_report |
4092 | 911 | In our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of Penn Millers Holding Corporation and subsidiary as of December 31, 2009 and 2008, and the results of their operations and their cash flows for each of the years in the three-year p... | 98 | 10K |
4392 | 1,135 | For the year ended December 31, 2011, the Company recognized net favorable development on prior accident year segregated portfolio cell reinsurance reserves of $2.9 million, representing 12.6% of the Company’s estimated segregated portfolio cell reinsurance reserves as of December 31, 2010 and 10.1% of the Company’s se... | 109 | 10K |
4514 | 990 | •tax laws, regulations, agreements and treaties change frequently, requiring us to modify existing tax strategies to conform to such changes, and | 21 | 10K |
2206 | 2,596 | SLNY leases various facilities and equipment under non-cancelable operating leases with terms of up to 10 years. As of December 31, 2003, minimum future lease payments under such leases are as follows (in 000's): | 34 | 10K |
BaloiseHoldingLtd-AR_2016 | 2,920 | Gross premiums written and policy fees 3,050.0 3,783.4 6,833.4 3,140.7 3,570.9 6,711.6 | 12 | annual_report |
ASRNederlandNV-AR_2011 | 419 | The current Articles of Association and rules of procedure for the Executive Board and the Supervisory Board have been posted on the corporate website: www.asrnl.com. | 25 | annual_report |
4833 | 1,488 | As of December 31, 2013, the holding company’s sources of liquidity included $221.7 million of cash and cash equivalents and $600.0 million available on the Company’s revolving credit facility. Management believes that liquidity at the holding company is sufficient to satisfy anticipated cash requirements and obligatio... | 53 | 10K |
gb_prudential-AR_2012 | 2,379 | Investments Determining the fair value of fi nancial investments when the markets are not active The Group holds certain fi nancial investments for which the markets are not active. These can include fi nancial investments which are not quoted on active markets and fi nancial investments for which markets are no longer... | 102 | annual_report |
fr_axa-AR_2013 | 2,464 | Suet Fern Lee for a four-year term (their biographies are presented below in this Section 2.1). | 16 | annual_report |
2801 | 690 | Policy acquisition costs, net of amortization, increased $6.1 million, or 72.9%, to $14.6 million for year ended December 31, 2005, as compared to $8.4 million for the year ended December 31, 2004. Policy acquisition costs, net of amortization, consists of the actual policy acquisition costs, including commissions, pay... | 61 | 10K |
1849 | 915 | The following table sets forth the changes in the total mutual fund assets, excluding wrap-fee products, and the balance of wrap-fee product assets and annuities, at fair market value for mutual funds and account value for annuities, and net sales of our Retail Investments mutual fund and annuity products for the perio... | 97 | 10K |
4803 | 3,511 | available reserves or escrows, current subordination levels, third party guarantees and other credit enhancements. Other information, such as industry analyst reports and forecasts, sector credit ratings, financial condition of the bond insurer for insured fixed income securities, and other market data relevant to the ... | 189 | 10K |
SwissReAG-AR_1985 | 587 | Retrocessionaire: Company which accepts -> risks by way of ^ retrocession. | 11 | annual_report |
5924 | 851 | We also continue to focus on expense discipline. During the second quarter of 2020, we implemented a plan that significantly reduced expenses in 2020, and we expect to continue to manage expenses aggressively going forward. | 35 | 10K |
1801 | 294 | (4) We received proceeds from our December 2001 public offering and private placement offerings in 2000, 1999 and 1998. For more information, see Note B, Equity Transactions, to our consolidated financial statements. | 32 | 10K |
SwissReAG-AR_2018 | 2,195 | ̤ Aggregate amount of variable short-term compensation for the members of the Group EC for the financial year 2018. | 19 | annual_report |
fr_axa-AR_2003 | 2,764 | accounts as the securities transferred are intended for long-term holding. The impact of these transfers on the Group shareholder’s equity (its counterpart being recorded in minority interest) is identified in the “Internal restructurations” | 33 | annual_report |
2312 | 1,348 | The following summarizes selected balance sheet information of CFC as of December 31, 2002: | 14 | 10K |
SwissLifeHoldingAG-AR_2016 | 902 | When selecting suppliers, Swiss Life bases its decisions on ethical and ecological principles and works with local suppliers whenever possible. | 20 | annual_report |
4521 | 964 | Deferred Annuities’ sales decreased 37% in 2012 compared to 2011. This was primarily the result of the low interest rate environment, which we believe has driven a decline in overall industry sales of deferred annuities and increased competition for customers. | 40 | 10K |
RaiffeisenBankInternationalAG-AR_2015 | 287 | There was no allocation of share-based payments in 2015, as no SIP tranche had been issued in 2010 owing to the merger between Raiffeisen International with the principal business areas of Raiffeisen Zentralbank Österreich AG. Moreover, the term of the program was extended to five years in accordance with legal regulat... | 61 | annual_report |
3990 | 2,337 | The fair values presented in the table above have been estimated using market information when available. The following is a description of the valuation methodologies and inputs used by the Company to determine fair value. | 35 | 10K |
2174 | 1,148 | In establishing the reserves for losses and loss adjustment expenses, we have made various assumptions relating to the pricing of our reinsurance contracts and insurance policies and have also considered available historical industry experience and current industry conditions. Our reserving method for 2003 and 2002 was... | 253 | 10K |
fr_axa-AR_2011 | 8,304 | Macro hedge and other derivative instruments on insurance and investment contracts (liabilities) - - (1,241) (1,241) - - (395) (395) | 20 | annual_report |
1417 | 377 | At the closing of each securitization that is accounted for as a sale, the Company removes from its Consolidated Balance Sheet the lease receivables held for sale and adds to its Consolidated Balance Sheet (i) the cash received and (ii) the allocated cost of the Residuals which consists of (a) cash collateral account (... | 71 | 10K |
StorebrandASA-AR_2011 | 844 | Storebrand’s Articles of Association stipulate that the chairman of the Board of | 12 | annual_report |
fr_axa-AR_2017 | 1,105 | Profit or loss on financial assets (under Fair Value option) and derivatives 10 8 | 14 | annual_report |
182 | 460 | For the direct retained and assumed reinsurance without LAE claim limits, the Company is only one of a group of insurers. Each member of the group partici- pates in the handling and monitoring of the claim and the group selects one attorney to defend the case. Legal fees are prorated among the group based on each membe... | 113 | 10K |
1241 | 778 | Cash generated by the Company's insurance subsidiaries is made available to PennCorp principally through periodic payments of principal and interest on surplus debentures issued by PLAIC, Constitution (sold July 30, 1999) and Pioneer Security (collectively, the "Surplus Note Companies"). The surplus debentures issued b... | 189 | 10K |
NatixisSA-AR_2002 | 2,741 | Our internet-based online offering was enhanced with simple long-term swap quotations. The product offering was broadened substantially and opened up further growth prospects which give the business the potential to rank among the leading global players in the sector. | 39 | annual_report |
2675 | 1,119 | In the discussion of operating results we sometimes refer to supplemental information extracted from consolidated financial information, which U.S. GAAP does not require to be presented in the financial statements. | 30 | 10K |
de_allianz-AR_2009 | 1,131 | 2) For further information please refer to Note 50 to our consolidated financial statements. | 14 | annual_report |
GjensidigeForsikringASA-AR_2012 | 634 | The total assets under management increased by NOK 2,731.2 million 5,376.4), amounting to NOK 20,478.9 million (17,747.7) at year end 2012. | 21 | annual_report |
5903 | 1,600 | Our portfolio management approach, while emphasizing our investment income yield and asset/liability risk management objectives, also takes into account the capital and tax implications of portfolio activity and our assertions regarding our ability and intent to hold debt securities to recovery. For a further discussio... | 74 | 10K |
5653 | 1,146 | On January 18, 2017 and November 7, 2017, the Company sold its ownership in the subordinated notes in two CLOs (collectively, the Disposed CLOs). As a result of the sales, the Company determined that it no longer had the controlling interest in such entities. The Company, therefore, deconsolidated its ownership in the ... | 99 | 10K |
3603 | 591 | Gross gains of $4.0 million, $5.9 million and $5.8 million and gross losses of $7.2 million, $18.8 million and $7.4 million were realized on sales of fixed income securities during 2007, 2006 and 2005, respectively. | 35 | 10K |
444 | 402 | On April 18, 1990, the Company obtained a permanent mortgage loan from The Manufacturer's Life Insurance Company. The $8,350,000 mortgage note, with interest at 9.69%, is payable in monthly installments over 10 years based on a thirty year amortization schedule. The remaining outstanding principal balance is payable on... | 69 | 10K |
4725 | 2,864 | Includes amortized cost and fair value of $34 as of December 31, 2013 and $74 as of December 31, 2012 related to limited partnerships and other alternative investments, the majority of which is domiciled in the United Kingdom. | 38 | 10K |
4769 | 1,025 | The income tax provision on operating income was an expense of $100.9 million for 2013, compared to a benefit of $1.9 million for 2012 and an expense of $2.6 million in 2011. These provisions resulted in effective tax rates for operating income of 30.8%, (14.4)% and 15.5% in 2013, 2012 and 2011, respectively. The incre... | 89 | 10K |
679 | 494 | 1997 1996 1995 - - -------------------------------------------------------------------------------- Written premiums: Direct $ 361.4 $ 338.6 $ 285.3 Assumed 257.1 232.6 182.9 Ceded (120.0) (116.8) (59.9) ---------------------------------- | 24 | 10K |
fr_axa-AR_2008 | 217 | (a) Since 2008, the net income per share takes into account interest charges and foreign exchange impacts related to perpetual debts classified in shareholders’ equity, with retroactive impact on prior years. | 31 | annual_report |
1803 | 466 | The management of CII Financial, Inc. is responsible for the integrity and objectivity of the accompanying consolidated financial statements. The statements have been prepared in conformity with accounting principles generally accepted in the United States of America applied on a consistent basis and are not misstated ... | 67 | 10K |
nl_ing_grp-AR_2017 | 5,961 | Any of the risks described below could have a material adverse effect on the business activities, financial condition, results of operations and prospects of ING. Additional risks of which the Company is not presently aware, or that are currently viewed as less material than the risks described below, could also affect... | 131 | annual_report |
BeazleyPLC-AR_2016 | 1,581 | • Performed a more in-depth analysis over data flows, with a particular focus on the classes of business where there has been a recent history of sizeable premium adjustments. | 29 | annual_report |
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