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Apart from excess mortality claims, the group life loss ratio increased primarily due to a higher loss ratio under group accidental death business. Net income (loss) decreased to a $6 million loss in first quarter 2022 from $9 million of income in first quarter 2021, primarily driven by a change from $19 million before tax of net realized gains in first quarter 2021 to $16 million before tax of net realized losses in first quarter 2022. The Company believes that core earnings margin provides investors with a valuable measure of the performance of Group Benefits because it reveals trends in the business that may be obscured by the effect of buyouts and realized gains (losses) as well as other items excluded in the calculation of core earnings. e-mail addresses you have already provided to us. Net income available to common stockholders' ROE (net income ROE) was 15.4% for the twelve month period ending March 31, 2022. Adjustment made to reconcile net income available to common stockholders per share to core earnings per diluted share: Restructuring and other costs, before tax, Income tax expense (benefit) on items excluded from core earnings, [1] Net income (loss) available to common stockholders includes dilutive potential common shares. First quarter 2022 net income of $383 million increased from net income of $129 million in first quarter 2021, principally due to a $458 million, before tax, change from an underwriting loss to an underwriting gain, partially offset by a $135 million, before tax, change to net realized losses in first quarter 2022. Media Contacts: The changes to loss reserves upon acquisition of a business are excluded from underlying combined ratio because such changes could obscure the ability to compare results in periods after the acquisition to results of periods prior to the acquisition as such trends are valuable to our investors' ability to assess the Company's financial performance. I am confident that the company has never been in a better position to grow, deliver on our goals and maximize value creation for our stakeholders., Net income available to common stockholders, Net income available to common stockholders per diluted share1, Net income available to common stockholders' return on equity (ROE)3, last 12-months, [1] Includes dilutive potential common shares; for net income available to common stockholders per diluted share, the numerator is net income less preferred dividends, [2] Denotes financial measure not calculated in accordance with generally accepted accounting principles (non-GAAP); definitions of non-GAAP measures and reconciliations to their closest GAAP measures can be found in this news release under the heading Discussion of Non-GAAP Financial Measures, [3] Return on equity (ROE) is calculated based on last 12-months net income available to common stockholders and core earnings, respectively; for net income ROE, the denominator is common stockholders equity including AOCI; for core earnings ROE, the denominator is common stockholders equity excluding AOCI, The Hartford defines increases or decreases greater than or equal to 200%, or changes from a net gain to a net loss position, or vice versa, as "NM" or not meaningful. Once you've entered the information below, it should take about 5-10 minutes to complete your claim. h|n0_O06)PV04\.hVCG!$E1^.b,ns1[,;>wGF!r*~vx:{+A&O:_BH*u?]DKobx. Resend. https://www.thehartford.com/employee-benefits/value-added-services. fO^_a3MH&4Vz-Xm5ItN Earned premiums 2,235 734 1,374 4,343 Fee income 9 8 44 282 12 355 Net investment income 327 35 16 127 1 3 509 Other revenue 1 19 (8 ) 12 Net realized gains (losses) 44 7 2 19 2 6 80 Total revenues. When medically necessary, a team member with a serious health condition may take leave on an intermittent or reduced work schedule basis. 860-547-6233 -This non-GAAP measure is the amount of net investment income, on a Consolidated, P&C or Group Benefits level earned from invested assets, excluding the net investment income related to limited partnerships and other alternative investments. Because forward-looking statements relate to the future, they are subject to inherent uncertainties, risks and changes in circumstances that are difficult to predict. [,n\87..^;e-f]Er`'aS3|X*fyCyRN,k * C2=n|c6znnF>j!O:. [aw9Av HJ}0oMM!`OxiB;Y9Qe8\"NIFV];?Y8c@^+TTP-Vh!(cj)e5B}Ij0 fQ Annualized investment yield, before tax, excluding LPs*. Definitions and calculations of other financial measures used in this press release can be found below and in The Hartford's Investor Financial Supplement for first quarter 2022, which is available on The Hartford's website, https://ir.thehartford.com. Net loss available to common stockholders, Interest expense and preferred dividends, before tax. %XLNT$) HTR. A reconciliation of net income (loss) available to common stockholders per diluted common share to core earnings per diluted share for the quarterly periods ended March 31, 2022 and 2021 is provided in the table below. LC-5180-31 (Printed in U.S.A.) Page 1 of 7. - The Hartford uses the non-GAAP measure core earnings margin to evaluate, and believes it is an important measure of, the Group Benefits segment's operating performance. 2,616 803 18 1,564 285 13 5,299 Benefits, losses, and loss adjustment . Hackensack Meridian Health team members are eligible for several types of leave. Commercial pricing moderated from the fourth quarter but is still exceeding loss trends across most product lines. After Registering, You'll Be Able To: Pay Bills Automatically A decrease in the Commercial Lines underlying loss and loss adjustment expense ratio before COVID-19 incurred losses* of 0.8 points to 56.1% in first quarter 2022 from 56.9% in first quarter 2021. Please note that we have hidden parts of your contact information for security reasons. A reconciliation of net income (loss) to core earnings for the quarterly periods ended March 31, 2022 and 2021, is included in this press release. B((e9$-q:Rx!"N The homeowners underlying combined ratio of 77.4 was relatively flat from 77.2 in first quarter 2021 due to a slight increase in the expense ratio. You Can. The underlying loss and loss adjustment expense ratio was flat as an increase in severity was offset by lower frequency of weather claims and the effect of earned pricing increases. Some employers have a waiting period, which means you have to be out of work for a set number of days before you can start getting benefit payments. - This non-GAAP measure of underwriting profitability represents underwriting gain (loss) before current accident year catastrophes, PYD and current accident year change in loss reserves upon acquisition of a business. Please try again later or call us at 1-860-547-5000. A reconciliation of consolidated net income (loss) ROE to Consolidated Core earnings ROE is set forth below. Option Details. - The Hartford's management evaluates profitability of the Commercial and Personal Lines segments primarily on the basis of underwriting gain or loss. The $27 million before tax of catastrophe losses in first quarter 2022 related to the Ukraine conflict, largely recorded within Global Specialty, consisted of exposures under political violence and terrorism policies including aviation war, and under credit and political risk insurance policy exposures. If you have a communicable disease or are out on a Workers Compensation leave, you must report to your local Occupational Health office to be cleared prior to returning to work. R%.a8$kh&p7Qvh!A5vQUb3^.c|q~db.Mp*&Q1) @;`F0Bf O=2j0x r/R` x"B.p2Q##r@MA`$f;yF4`#.\>A&0`0YSLN# CqN((H3`V6:Pu`d/4I6M13q9f(#p" Adjustments to reconcile net income margin to core earnings margin: Net realized losses (gains) excluded from core earnings, before tax. buyout premiums). 1. Or you can call us at (888) 277-4767 (888) 277-4767 or the phone number provided by your benefits administrator. We have the following email address on file. Gains and losses on reinsurance transactions - Gains or losses on reinsurance, such as those entered into upon sale of a business or to reinsure loss reserves, are not a recurring operating expense of the business. The Company provides this measure to enable investors to analyze the amount of the Company's net worth that is primarily attributable to the Company's business operations. I am returning to work following a leave of absence for a personal disability. Open an HR inquiry via the Team Member Service Center tile in MyWay. Finding the tools and instructions to do so has never been easier. Underlying combined ratio of 88.5 was 5.0 points higher than first quarter 2021, primarily due to higher auto loss costs and, to a lesser extent, a higher expense ratio. ;U'|RjU$]sR%fzbu=VS O D*27'He]mS.ACcB6Q&1c"(19]Oifu oh\I1k KL! Please note that we have hidden SMS Email Use my authenticator app NextCancel Enter security code For additional security, we need to verify your identity before you can sign in to the account. i;U*P*2JGBJR Middle & Large Commercial underlying combined ratio of 91.5 improved by 3.8 points from first quarter 2021 primarily due to lower non-CAT property losses, COVID-19 losses incurred in first quarter 2021, and a lower expense ratio. Please update it now if it has changed. Team members taking an approved intermittent leave for their own health condition or during pregnancy will draw from their ESL for each intermittent leave day taken. %PDF-1.7 % The Company believes that net investment income, excluding limited partnerships and other alternative instruments, provides investors with an important measure of the trend in investment earnings because it excludes the impact of the volatility in returns related to limited partnerships and other alternative instruments. questions below. Once you receive it, please enter it below. The billing process and inconsistencies creates serious problems for customers. Forward-looking statements can be identified by words such as anticipates, intends, plans, seeks, believes, estimates, expects, projects, and similar references to future periods. Its so much more than productivity. See how were changing the game. Start a Claim Not Here to Start a Claim? Change in loss reserves upon acquisition of a business - These changes in loss reserves are excluded from core earnings because such changes could obscure the ability to compare results in periods after the acquisition to results of periods prior to the acquisition. We'll send an identification code to your email or mobile The decrease in fair value of fixed maturities was partially offset by an increase in other asset classes, including mortgage loans and LPs with the increase in LPs primarily driven by increased valuations and additional investments in real estate joint ventures. Book value per diluted share (excluding AOCI). Manage my business policy, bills and claims, get certificates and submit audits. From income protection plans to a fast and easy claims process, we are here for you. Because The Hartford's calculation of these measures may differ from similar measures used by other companies, investors should be careful when comparing The Hartford's non-GAAP financial measures to those of other companies. endstream endobj 314 0 obj <>stream There were no current accident year COVID-19 incurred losses in first quarter 2022 compared with $24 million in the first quarter 2021. A reconciliation of the loss and loss adjustment expense ratio to the underlying loss and loss adjustment expense ratio before COVID-19 losses is set forth below. Total group life loss ratio improved 9.9 points, to 98.4%, primarily due to lower excess mortality, primarily caused by direct and indirect impacts of COVID-19. When to file a claim: You can start to file as soon as you know your scheduled surgery date. The Hartford will discuss its first quarter 2022 financial results on a webcast at 9:00 a.m. EDT on Friday, April 29, 2022. 860-547-8664 Team members are eligible for up to 12 weeks of unpaid leave during a 12-month period. What if I need to take an intermittent leave for a personal disability? Nine doctors said Werner was disabled and couldn't work, but a few months after they conducted surveillance, Werner received a letter from The Hartford stating his disability benefits were . An increase in earnings from Hartford Funds driven by higher assets under management. Core Earnings Return on Equity plx%`0`PHT~ P!D@Oaf|\pBzEL@} ldr6IKu@I20I,: (\c!bN PU3i z Manage my personal policy, bills and claims. GROUP BENEFITS HEALTH SCREENING CLAIMS - ACCIDENT, CRITICAL ILLNESS & HOSPITAL INDEMNITY THE HARTFORD MAKES IT EASY TO FILE A CLAIM. A reduction in P&C current accident year (CAY) catastrophe (CAT) losses, net of reinsurance, to $98 million, before tax, in first quarter 2022, including $27 million from the Ukraine conflict, compared with $214 million in first quarter 2021. If you forgot your password then you can reset it now by answering the security A reduction in P&C CAY COVID-19 incurred losses with no losses in first quarter 2022 compared with $24 million, before tax, of losses in first quarter 2021. Forgot your password? Results were driven by another quarter of profitable growth and expanding margins in Commercial Lines, excellent partnership returns, and lower excess mortality in Group Benefits, said Chairman and CEO Christopher Swift. Underlying combined ratio was 88.3, improving 2.9 points from first quarter 2021 due to COVID-19 losses incurred in first quarter 2021, a lower underwriting expense ratio and lower loss ratios before COVID-19. Policies underwritten by the issuing companies listed above detail exclusions, limitations, reduction of benefits and terms under which the policies may be continued in force or discontinued. 860-547-7413 endstream endobj 317 0 obj <>stream Actual results could differ materially from expectations depending on the evolution of various factors, including the risks and uncertainties identified below, as well as factors described in such forward-looking statements; or in The Hartfords 2021 Annual Report on Form 10-K, Quarterly Reports on Form 10-Q and our other filings with the Securities and Exchange Commission. A reconciliation of net income (loss) to underlying underwriting gain (loss) for individual reporting segments for the quarterly periods ended March 31, 2022 and 2021, is set forth below. endstream endobj 318 0 obj <>stream Get the facts on family and disability leave. You can report without it, but it makes things go faster. Please call us for guidance with your claim submission - we're happy to help you understand Fully insured ongoing sales were $389 million in first quarter 2022, down 24% as the prior year period benefited from expansion of paid family medical leave programs in several states. JUST FOLLOW THESE STEPS: STEP 1 Review the list on the back of this page to determine if your health screening may be eligible for the benefit. Core earnings ROE is calculated by dividing (a) the non-GAAP measure core earnings for the prior four fiscal quarters by (b) the non-GAAP measure average common stockholders' equity, excluding AOCI. Didn't receive a code? Manage my personal policy, bills and claims. Get a certificate of insurance Pay a bill Request or quote policy changes Prepare for a premium audit Go paperless View policy documents Check and file claims Other Resources for Your Business Workers' Compensation Posting Notices Business Owner's Playbook Small Biz Ahead Get a New Policy An increase in earnings generated by 11% growth in earned premium. From time to time, The Hartford may use its website and/or social media outlets, such as Twitter and Facebook, to disseminate material company information. Send a copy of your receipt and claim number to the address or fax number for your claim state. Income from LPs, including from private equity and other funds, is generally reported on a three-month lag. - This is a non-GAAP per share measure that is calculated by dividing (a) common stockholders' equity, excluding AOCI, after tax, by (b) common shares outstanding and dilutive potential common shares. Our benefits can go a long way in helping attract and keep top talent. You are about to be logged out due to inactivity. Choose how you want to receive or enter your security code. Make sure you have the following: Policy number Billing Zip code Accident details It's time to upgrade! The company does not have any investments with exposure in Belarus or Ukraine. Results of discontinued operations - These results are excluded from core earnings for businesses sold or held for sale because such results could obscure the ability to compare period over period results for our ongoing businesses. A reconciliation of net income to underwriting results for the quarterly periods ended March 31, 2022 and 2021, is set forth below. aiFg?|tq > tZGrd@7hM>;pjJK.X NE m0wZ.'0)5./,*a}\dwJ:wikqEBdXmN9[gZ (1w endstream endobj 26 0 obj <>>>/Filter/Standard/Length 128/O(y"SEKgP\non[fEh)/P -1052/R 4/StmF/StdCF/StrF/StdCF/U(a>24\n4 F+{Q )/V 4>> endobj 27 0 obj <>>> endobj 28 0 obj <>/PageWidthList<0 612.0>>>>>>/Resources<>/ExtGState<>/Font<>/ProcSet[/PDF/Text/ImageC]/XObject<>>>/Rotate 0/Tabs/W/Thumb 9 0 R/TrimBox[0.0 0.0 612.0 792.0]/Type/Page>> endobj 29 0 obj <>stream Your Options: Coverage. Manage my business policy, bills and claims, get certificates and submit audits. - This non-GAAP per share measure is calculated using the non-GAAP financial measure core earnings rather than the GAAP measure net income. Adjustments to reconcile net income to underwriting gain, Adjustments to reconcile underwriting gain (loss) to underlying underwriting gain, Adjustments to reconcile underwriting gain to underlying underwriting gain, Adjustments to reconcile net income to underwriting gain (loss). You may want to check with your employer before you file. Hospital Indemnity You or a covered dependent were hospitalized. && %9)vv P Check the phone or e-mail you selected. - The Company provides different measures of the return on stockholders' equity (ROE). Net income ROE is the most directly comparable U.S. GAAP measure. For your security, you will be disconnected from this system if your computer is inactive for 15 minutes. Underlying underwriting gain (loss) Eligibility for benefits during the leave, length of leave, and other conditions depend upon the circumstances of the leave and other qualifying factors. If/when ESL is exhausted, team members are permitted to draw from their PTO drawing first from PTO FT Status Bank (if available) and then PTO True Balance (not to go below 80 hours), then PTO Drawdown Bank. Our customers paid an average of $88 a month for general liability insurance and $70 a month for workers' compensation insurance. Our employee benefits programs help support the lives and incomes of more than 12 million working Americans. More information on the company and its financial performance is available at https://www.thehartford.com. The Hartford will refer your accommodation request to the LOA Accommodations team who will follow up accordingly. per share1. What do I need to do? First quarter 2022 core loss of $48 million decreased $12 million compared with first quarter 2021 core loss of $60 million primarily due to a loss of $8 million before tax in the 2021 period from the companys previously owned equity interest in Talcott Resolution and a higher tax benefit in the 2022 period for stock-based compensation, partially offset by an increase in interest expense. Net income (loss) available to common stockholders per diluted common share is the most directly comparable GAAP measures. currentYear(); . Forgot your password? Change in valuation allowance on deferred taxes related to non-core components of before tax income - These changes in valuation allowances are excluded from core earnings because they relate to non-core components of before tax income, such as tax attributes like capital loss carryforwards. On April 2, 2022, Virginia's governor signed legislation allowing private Family Leave Insurance in Virginia. Total invested assets of $56.0 billion decreased 3% from Dec. 31, 2021, primarily due to a decrease in valuations of fixed maturities driven by higher interest rates and wider credit spreads. @UURAC$WP6xB The Hartford Insurance Claims Workers' Comp Claims We're Here to Support You It's quick and easy to start your claim online. Daily average AUM of $150 billion in first quarter 2022 rose 5% from first quarter 2021 driven by net inflows and an increase in market values over the previous twelve months. exam, lab or test results/reports; physician notes; Explanation of Benefits (EOBs) from your health insurance provider; itemized medical or hospital bills; or medical records. The Hartford believes that core earnings provides investors with a valuable measure of the performance of the Companys ongoing businesses because it reveals trends in our insurance and financial services businesses that may be obscured by including the net effect of certain items. You need to file a claim and you want to do it quickly and easily. The most directly comparable GAAP measure is net income (loss). All benefits are subject to the terms and conditions of the policy. Core earnings of $50 million increased from $45 million in first quarter 2021 as an increase in fee income, mostly attributable to higher daily average Hartford Funds AUM, and a higher tax benefit in the 2022 period for stock-based compensation was partially offset by higher variable expenses. Net income (loss) is the most directly comparable GAAP measure. Yes, we do that! Current accident year before catastrophes, Unfavorable (favorable) prior accident year development, Impact of catastrophes and PYD on combined ratio, [1] Denotes financial measure not calculated in accordance with generally accepted accounting principles (non-GAAP); definitions of non-GAAP measures and reconciliations to their closest GAAP measures can be found in this news release under the heading Discussion of Non-GAAP Financial Measures. ** All amounts and percentages set forth in this press release are approximate unless otherwise noted. Submit a return to work note from your medical provider that clearly indicates whether your return is with or without restrictions to the LOA Accommodations team via e-mail at. A. Financial and other important information regarding The Hartford is routinely accessible through and posted on our website at https://ir.thehartford.com. A reconciliation of the combined ratio to the underlying combined ratio before COVID-19 losses is set forth below. First quarter 2022 net income available to common stockholders was $440 million, or $1.30 per diluted share, up 80% from first quarter 2021, primarily due to a $435 million, before tax, change from an underwriting loss* to an underwriting gain in first quarter 2022 and a decrease in excess mortality in group life, partially offset by a $225 million, before tax, change to net realized losses in first quarter 2022. If you have not received the code or still have trouble signing in, please call member services. To find an Express Scripts pharmacy, call 888-289-1407 or review, can log in to see account and claim details. Core earnings margin should not be considered as a substitute for net income margin and does not reflect the overall profitability of Group Benefits. Book value per diluted share (excluding AOCI) Request security code For additional security, we need to verify your identity before you can sign in to the account. College degree preferred; High School Diploma required; Preferred 1+ years of related customer service experience; Looking for a candidate that has complimentary skills and can accelerate their learning to meet the demands of the job A Critical Illness claim should be filed after a physician has diagnosed you or a covered dependent with a covered illness or after you or your dependent has undergone a health screening and is eligible for a wellness or health screening benefit. Net income available to common stockholders Preferred stock dividends are a cost of financing more akin to interest expense on debt and are expected to be a recurring expense as long as the preferred stock is outstanding. [T8;C1&/lflJ)|)p)p9f+D5elADn"#%`'t/~GYO;@aQ8aQ1$0M`)##3QC#B0 &`c%o' Choose how you want to receive or enter your security code. Net income of $42 million in first quarter 2022 decreased from $47 million in first quarter 2021, largely due to a change from net realized gains to net realized losses related to investments in funds seeded by the company, partially offset by higher fee income. hn6`? A reduction in auto as non-renewed premium exceeded new business despite an increase in new business over first quarter 2021. Code, please enter it in the field below and click "Next". STEP 2 Prepare to file your claim.1 You'll need the following . Prevail is contributing to new business growth and rate filings will address inflation and supply chain pressures in both auto and homeowners. For additional security, we need to verify your identity before you can sign in to the account. Submit claims, check status of disability or leave, and see payments. - This non-GAAP measure is calculated as (a) the annualized net investment income, on a Consolidated, P&C or Group Benefits level, excluding limited partnerships and other alternative investments, divided by (b) the monthly average invested assets at amortized cost, excluding repurchase agreement and securities lending collateral, derivatives book value, and limited partnerships and other alternative investments. If documentation is not provided within 15 days, the leave may be denied. For additional security, we need to verify your identity before you can sign in to the account. Net loss of $59 million in first quarter 2022 compared with a net loss of $58 million in first quarter 2021, driven, in part, by a change to net realized losses in first quarter 2022, partially offset by lower restructuring costs related to Hartford Next of $5 million, before tax, in first quarter of 2022 compared with $11 million, before tax, in the 2021 period. Underwriting gain (loss) Be prepared to supply the following information: Name, last four digits of your social security number, date of birth, date last worked and date of hire, Medical providers name, phone number and fax number, Preferred method of communication while on leave. Eligibility for benefits during the leave, length of leave, and other conditions depend upon the circumstances of the leave and other qualifying factors. The underlying loss and loss adjustment expense ratio before COVID-19 losses is an important measure of the trend in profitability since it removes the impact of volatile and unpredictable catastrophe losses, prior accident year reserve development and COVID-19 incurred losses. The increase was primarily due to: Net investment income was flat in first quarter 2022 compared with the prior year period as greater income from limited partnerships and other alternative investments (LPs) and the effect of a higher level of invested assets was offset by a lower yield on fixed maturities resulting from reinvesting at lower rates during the 2021 calendar year. THE CRITICAL ILLNESS POLICY PROVIDES LIMITED BENEFITS FOR SPECIFIED DISEASES ONLY. Do not check if you are on a public or shared computer. Risks Relating to Economic, Political and Global Market Conditions: challenges related to the Companys current operating environment, including global political, economic and market conditions, and the effect of financial market disruptions, economic downturns, changes in trade regulation including tariffs and other barriers or other potentially adverse macroeconomic developments on the demand for our products and returns in our investment portfolios; market risks associated with our business, including changes in credit spreads, equity prices, interest rates, inflation rate, foreign currency exchange rates and market volatility; the impact on our investment portfolio if our investment portfolio is concentrated in any particular segment of the economy; the impacts of changing climate and weather patterns on our businesses, operations and investment portfolio including on claims, demand and pricing of our products, the availability and cost of reinsurance, our modeling data used to evaluate and manage risks of catastrophes and severe weather events, the value of our investment portfolios and credit risk with reinsurers and other counterparties; the risks associated with the discontinuance of the London Inter-Bank Offered Rate ("LIBOR") on the securities we hold or may have issued, other financial instruments and any other assets and liabilities whose value is tied to LIBOR; Insurance Industry and Product-Related Risks: the possibility of unfavorable loss development, including with respect to long-tailed exposures; the significant uncertainties that limit our ability to estimate the ultimate reserves necessary for asbestos and environmental claims; the possibility of another pandemic, civil unrest, earthquake, or other natural or man-made disaster that may adversely affect our businesses; weather and other natural physical events, including the intensity and frequency of thunderstorms, tornadoes, hail, wildfires, flooding, winter storms, hurricanes and tropical storms, as well as climate change and its potential impact on weather patterns; the possible occurrence of terrorist attacks and the Companys inability to contain its exposure as a result of, among other factors, the inability to exclude coverage for terrorist attacks from workers' compensation policies and limitations on reinsurance coverage from the federal government under applicable laws; the Companys ability to effectively price its property and casualty policies, including its ability to obtain regulatory consents to pricing actions or to non-renewal or withdrawal of certain product lines; actions by competitors that may be larger or have greater financial resources than we do; technological changes, including usage-based methods of determining premiums, advancements in automotive safety features, the development of autonomous vehicles, and platforms that facilitate ride sharing; the Company's ability to market, distribute and provide insurance products and investment advisory services through current and future distribution channels and advisory firms; the uncertain effects of emerging claim and coverage issues; political instability, politically motivated violence or civil unrest, may increase the frequency and severity of insured losses; Financial Strength, Credit and Counterparty Risks: risks to our business, financial position, prospects and results associated with negative rating actions or downgrades in the Companys financial strength and credit ratings or negative rating actions or downgrades relating to our investments; capital requirements which are subject to many factors, including many that are outside the Companys control, such as National Association of Insurance Commissioners ("NAIC") risk based capital formulas, rating agency capital models, Funds at Lloyd's and Solvency Capital Requirement, which can in turn affect our credit and financial strength ratings, cost of capital, regulatory compliance and other aspects of our business and results; losses due to nonperformance or defaults by others, including credit risk with counterparties associated with investments, derivatives, premiums receivable, reinsurance recoverables and indemnifications provided by third parties in connection with previous dispositions; the potential for losses due to our reinsurers' unwillingness or inability to meet their obligations under reinsurance contracts and the availability, pricing and adequacy of reinsurance to protect the Company against losses; state and international regulatory limitations on the ability of the Company and certain of its subsidiaries to declare and pay dividends; Risks Relating to Estimates, Assumptions and Valuations: risk associated with the use of analytical models in making decisions in key areas such as underwriting, pricing, capital management, reserving, investments, reinsurance and catastrophe risk management; the potential for differing interpretations of the methodologies, estimations and assumptions that underlie the Companys fair value estimates for its investments and the evaluation of intent-to-sell impairments and allowance for credit losses on available-for-sale securities and mortgage loans; the potential for impairments of our goodwill; Strategic and Operational Risks: the Companys ability to maintain the availability of its systems and safeguard the security of its data in the event of a disaster, cyber or other information security incident or other unanticipated event; the potential for difficulties arising from outsourcing and similar third-party relationships; the risks, challenges and uncertainties associated with capital management plans, expense reduction initiatives and other actions; risks associated with acquisitions and divestitures, including the challenges of integrating acquired companies or businesses, which may result in our inability to achieve the anticipated benefits and synergies and may result in unintended consequences; difficulty in attracting and retaining talented and qualified personnel, including key employees, such as executives, managers and employees with strong technological, analytical and other specialized skills; the Companys ability to protect its intellectual property and defend against claims of infringement; Regulatory and Legal Risks: the cost and other potential effects of increased federal, state and international regulatory and legislative developments, including those that could adversely impact the demand for the Companys products, operating costs and required capital levels; unfavorable judicial or legislative developments; the impact of changes in federal, state or foreign tax laws; regulatory requirements that could delay, deter or prevent a takeover attempt that stockholders might consider in their best interests; and the impact of potential changes in accounting principles and related financial reporting requirements.