I-Bytes Insurance Industry

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I-Bytes
Insurance
March Edition 2020
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Table of Contents
1. Financial, M & A Updates...................................................................................................................................1
2. Solution Updates.................................................................................................................................................23
3. Rewards and Recognition Updates...................................................................................................................30
4. Customer Success Updates................................................................................................................................40
5. Partnership Ecosystem Updates........................................................................................................................41
6. Miscellaneous Updates.......................................................................................................................................43
7. Event Updates.....................................................................................................................................................44

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Financial, M & A
Updates Insurance Industry

Financial, M&A Updates
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Aflac (USA) Incorporated Announces Fourth Quarter Results
• Total revenues were $5.6 billion during the fourth quarter of 2019, compared with $5.1 billion in the fourth quarter of 2018.
• Net earnings were $782 million, or $1.06 per diluted share, compared with $525 million, or $0.69 per diluted share a year ago.
• Net earnings in the fourth quarter of 2019 included pretax net realized investment gains of $34 million, or $0.05 per diluted
share, compared with pretax net losses of $322 million, or $0.42 per diluted share a year ago. Included in those net gains were
$9 million of losses related to impairments and loan loss reserve changes.
• Pretax net realized gains also included $36 million in gains from changes in the fair value of equity securities and $10 million
of losses from certain derivatives and foreign currency activities, as well as a $17 million gain from sales and redemptions.
• The average yen/dollar exchange rate* in the fourth quarter of 2019 was 108.79, or 3.8% stronger than the average rate of
112.87 in the fourth quarter of 2018. For the full year, the average exchange rate was 109.07, or 1.2% stronger than the rate of
110.39 a year ago.
• Adjusted earnings* in the fourth quarter were $756 million, compared with $779 million in the fourth quarter of 2018,
reflecting a decrease of 3.0%. Adjusted earnings per diluted share* increased 1.0% to $1.03 in the quarter and included $3
million of pretax variable investment income on alternative investments, in line with the company's expectations.
• For the full year of 2019, total revenues were up 2.5% to $22.3 billion, compared with $21.8 billion for the full year of 2018.
Net earnings were $3.3 billion, or $4.43 per diluted share, compared with $2.9 billion, or $3.77 per diluted share, for the full
year of 2018.
• Adjusted earnings for the full year of 2019 were $3.3 billion, or $4.44 per diluted share, compared with $3.2 billion, or $4.16
per diluted share, in 2018.
• Total investments and cash at the end of December 2019 were $138.1 billion, compared with $126.2 billion at December 31,
2018.In the fourth quarter, Aflac Incorporated repurchased $470 million, or 8.9 million of its common shares.
• For the full year, Aflac repurchased $1.6 billion, or 32.0 million of its common shares. At the end of December, the company
had 37.1 million remaining shares authorized for repurchase.
Executive Commentary
Commenting on the company's results, Chairman and Chief Executive Officer stated: "We are pleased with the company's
overall performance for the year. Total pretax adjusted earnings increased 2.5%, which is particularly impressive
considering our extensive investments to drive future earned premium growth, which will remain a critical strategic focus
for 2020. I am pleased with the Board's decision to increase the dividend, coming off our 37th consecutive year of
dividend increases and a recognition of the stability of our earnings and capital generation. It also demonstrates our
commitment to rewarding our shareholders.”
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Key Financial Highlights

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Alleghany Capital Corporation (USA) Announces Acquisition of Supermill By
Precision Cutting Technologies
Alleghany Capital Corporation, a wholly-owned subsidiary of Alleghany Corporation, announced that
its subsidiary, Precision Cutting Technologies, Inc. has acquired Supermill LLC. Precision Cutting
Technologies holds Alleghany Capital's investments in the machine tool and consumable cutting tool
sectors. Headquartered in Berlin, CT, Supermill is a leading manufacturer of high-performance
carbide end mills. Alleghany Capital Corporation owns and manages a diverse portfolio of middle
market businesses for its parent company, Alleghany Corporation. Alleghany Capital's industrial
businesses include: (i) Precision Cutting Technologies, Inc., a holding company focused on the
precision machine tool and consumable cutting tools markets through Bourn & Koch, Inc., Diamond
Technology Innovations, Inc., CID Performance Tooling, and Supermill LLC; (ii) R.C. Tway
Company, LLC, a manufacturer of custom trailers and truck bodies for several niche end markets; (iii)
WWSC Holdings, LLC, a structural steel fabricator and erector for commercial, manufacturing, and
transportation infrastructure projects; and (iv) Wilbert Funeral Services, Inc., a provider of products
and services for the funeral and cemetery industries and precast concrete market. Alleghany Capital's
non-industrial businesses include: (i) Concord Hospitality Enterprises Company, a hotel management
and development company; (ii) IPS-Integrated Project Services, LLC, a provider of design,
engineering, procurement, construction management, and validation services for the pharmaceutical
and biotechnology industries; and (iii) Jazwares, LLC, a global toy, entertainment, and musical
instrument company.
President of Precision Cutting Technologies, commented, "We are excited to partner with
Founder and President of Supermill, as well as his talented and experienced team of associates.
The acquisition of Supermill enhances Precision Cutting Technologies' portfolio of cutting
consumables and strengthens its position in the Northeastern United States. As in our past
acquisitions and reflective of our strategic partnership approach, Tom will continue to lead the
company post-transaction and Supermill's day-to-day operations will not be impacted. However,
we believe that Supermill will now be able to take advantage of the infrastructure and national
sales reach of the Precision Cutting Technologies platform."
Description
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American Equity (USA) Reports Fourth Quarter and Full Year 2019 Results
• Fourth quarter 2019 net income of $220.2 million or $2.40 per diluted
common share; Full year 2019 net income of $246.1 million or $2.68 per
diluted common share
• Fourth quarter 2019 non-GAAP operating income1 of $125.8 million or
$1.37 per diluted common share; Full year 2019 non-GAAP operating
income1 of $548.2 million or $5.97 per diluted common share
• Fourth quarter 2019 annuity sales of $921 million
• Policyholder funds under management of $53.2 billion
• Fourth quarter 2019 investment spread of 2.77%
• Risk-based capital ratio at December 31, 2019 of 372%
• Issued $400 million of perpetual preferred stock
• Annual cash dividend of $0.30 per share
Commenting on sales, Chairman and Chief Executive Officer, said:
"The decreases in gross sales in the independent agent channel were
attributable to competitive rate dynamics in the market. Consistent with
our long-standing principle of financial discipline, and in response to
lower investment yields in the third quarter, we meaningfully lowered
product rates and guaranteed income levels in mid-October. The
competition did not act in a similar manner neither in terms of timing
nor nature with regards to rates and guaranteed income."
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American Financial Group, Inc. (USA) Announces Fourth Quarter and Full
Year Results
• Fourth quarter net earnings attributable to shareholders of $211 million compared to a net loss of $29 million for the 2018
fourth quarter.
• Net earnings for the 2019 fourth quarter include after-tax non-core items aggregating $8 million, comprised of $58 million
related to costs associated with plans to exit the Lloyd’s of London insurance market in 2020, $51 million in non-core net
realized gains on securities, after-tax annuity non-core earnings of $19 million, and a loss on the early retirement of debt of $4
million. Comparatively, net earnings in the 2018 fourth quarter were adversely impacted by $188 million in non-core after-tax
net realized losses on securities.
• Net earnings attributable to shareholders for the year were $9.85 per share, compared to $5.85 per share in 2018. Other details
may be found in the table below. Book value per share was $69.43 per share at December 31, 2019. AFG paid cash dividends
of $2.25 per share during the quarter, which included a $1.80 per share special dividend. Return on equity was 17.1% and
10.9% for 2019 and 2018, respectively.
• Core net operating earnings were $203 million for the 2019 fourth quarter, compared to $159 million in the 2018 fourth
quarter. Higher core operating earnings in our Annuity Segment were partially offset by lower core operating earnings in our
Property and Casualty insurance operations.
• In connection with AFG’s new definition of annuity core operating earnings, AFG’s core net operating earnings for the fourth
quarter of 2019 exclude the impact of items that are not necessarily indicative of operating trends, and include an expense for
the amortization of FIA option costs, which AFG believes better reflects the cost of funds for FIAs and AFG’s evaluation of the
financial performance of its Annuity business.
• Book value per share, excluding unrealized gains related to fixed maturities, was $59.70 per share at December 31, 2019. For
the twelve months ended December 31, 2019, AFG’s growth in adjusted book value per share plus dividends was 17.8%. Core
operating return on equity was 14.9% and 15.6% for 2019 and 2018, respectively.
AFG’s Co-Chief Executive Officers, commented: “We are very pleased with AFG’s continued strong core operating
earnings, which generated an impressive core operating return on equity of 15% in 2019. We believe these results
demonstrate the strength of our portfolio of diversified specialty insurance businesses, and the value of our in-house
investment management team, American Money Management. AFG had approximately $1.1 billion of excess capital at
December 31, 2019. Our excess capital will be deployed into AFG’s core businesses as we identify potential for healthy,
profitable organic growth, and opportunities to expand our specialty niche businesses through acquisitions and start-ups
that meet our target return thresholds. In addition, returning capital to shareholders in the form of regular and special cash
dividends and opportunistic share repurchases is also an important and effective component of our capital management
strategy. Over the past year, we increased our quarterly dividend by 12.5% and paid special dividends of $3.30 per share.”
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AIG (USA) Reports Fourth Quarter and Full Year 2019 Results
• Net income attributable to AIG common shareholders of $922 million, or $1.03 per diluted common share, for the fourth quarter of
2019, compared to a net loss attributable to AIG common shareholders of $622 million, or $0.70 per common share, in the prior-year
quarter.
• The improvement was primarily due to the favorable impact of General Insurance underwriting and reinsurance actions, favorable net
prior year loss reserve development of $153 millioncompared to unfavorable net prior year loss reserve development of $365 million
in the prior-year quarter, a reduction in pre-tax net catastrophe losses of $385 million compared to the prior-year quarter, and an increase
of $833 millionin net investment income compared to the prior-year quarter.
• Adjusted after-tax income attributable to AIG common shareholders was $919 million, or $1.03 per diluted common share, for the
fourth quarter of 2019, compared to an adjusted after-tax loss attributable to AIG common shareholders of $559 million, or $0.63 per
common share, in the prior-year quarter.
• The improvement was primarily due to the favorable impact of General Insurance underwriting and reinsurance actions, lower
catastrophe losses and an increase in net investment income compared to the prior-year quarter.
• For the full year of 2019, net income attributable to AIG common shareholders was $3.3 billion, or $3.74 per diluted common share,
compared to a net loss attributable to AIG common shareholders of $6 million, or $0.01 per common share, in the prior year.
• The improvement was primarily due to a reduction in net catastrophe losses of $1.7 billion compared to the prior year; the favorable
impact of General Insurance underwriting and reinsurance actions; and an increase in net investment income of $2.1 billion primarily
reflecting asset growth, an increase in alternative returns, and the impact of lower interest rates on fair value option on fixed maturity
securities compared to the prior year.
• Adjusted after-tax income attributable to AIG common shareholders was $4.1 billion, or $4.59 per diluted common share, for the full
year of 2019, compared to $1.1 billion, or $1.17 per diluted common share, in the prior year.
• The improvement was primarily due to lower catastrophe losses, favorable net prior year loss reserve development compared to
unfavorable net prior year loss reserve development in the prior year, and higher net investment income.
AFG’s Co-Chief Executive Officers, commented: “We are very pleased with AFG’s continued strong core operating earnings,
which generated an impressive core operating return on equity of 15% in 2019. We believe these results demonstrate the strength
of our portfolio of diversified specialty insurance businesses, and the value of our in-house investment management team,
American Money Management. AFG had approximately $1.1 billion of excess capital at December 31, 2019. Our excess capital
will be deployed into AFG’s core businesses as we identify potential for healthy, profitable organic growth, and opportunities to
expand our specialty niche businesses through acquisitions and start-ups that meet our target return thresholds. In addition,
returning capital to shareholders in the form of regular and special cash dividends and opportunistic share repurchases is also an
important and effective component of our capital management strategy. Over the past year, we increased our quarterly dividend
by 12.5% and paid special dividends of $3.30 per share.”
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Arch Capital Group Ltd. (Bermuda) Reports 2019 Fourth Quarter Results
• Net income available to Arch common shareholders of $316.0 million, or $0.76 per share, a 12.0% annualized return on average common equity, compared to $126.1 million, or $0.31 per share,
for the 2018 fourth quarter;
• After-tax operating income available to Arch common shareholders, a non-GAAP measure, of $308.4 million, or $0.74 per share, an 11.7% annualized return on average common equity, compared
to $189.2 million, or $0.46 per share, for the 2018 fourth quarter;
• Pre-tax current accident year catastrophic losses, net of reinsurance and reinstatement premiums (1) of $30.4 million;
• Favorable development in prior year loss reserves, net of related adjustments (1) of $54.7 million;
• Combined ratio excluding catastrophic activity and prior year development (1) of 81.4%;
• Book value per common share of $26.42 at December 31, 2019, a 3.2% increase in the 2019 fourth quarter and a 22.8% increase for the year.
• The 2019 fourth quarter loss ratio reflected 0.9 points of current year catastrophic activity, compared to 6.0 points in the 2018 fourth quarter, which was impacted by Hurricane Michael and the
California wildfires. The 2019 fourth quarter loss ratio also reflected a higher level of large attritional losses than in the 2018 fourth quarter. Estimated net favorable development of prior year loss
reserves, before related adjustments, reduced the loss ratio by 0.7 points in the 2019 fourth quarter, compared to 1.8 points in the 2018 fourth quarter.
• The underwriting expense ratio was 32.9% in the 2019 fourth quarter, compared to 31.3% in the 2018 fourth quarter, with the increase primarily resulting from acquisitions made by the Company
at the start of 2019.
• net premiums written were 2.0% higher. The growth in net premiums written primarily reflected an increase in monthly premium business due to growth in insurance in force.
• The increase in net premiums earned for the 2019 fourth quarter reflected the growth in insurance in force in the U.S. over the last twelve months combined with higher single premium earned as
a result of policy terminations due to mortgage refinance activity. Insurance in force increased to $418.3 billion at December 31, 2019, compared to $383.7 billion at December 31, 2018.
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Assurant (USA) Reports Fourth Quarter and Full-Year 2019 Financial
Results
Fourth Quarter 2019 Consolidated Results
• Net income was $122.9 million, or $1.98 per share, compared to fourth quarter 2018 net income of $20.3 million, or $0.32 per diluted share.
• Net operating income1 increased to $139.9 million, compared to fourth quarter 2018 net operating income of $48.9 million, primarily due to
lower reportable catastrophes.
• Excluding reportable catastrophes, net operating income2 for fourth quarter 2019 totaled $139.5 million, compared to $144.5 million in the
fourth quarter 2018.
• In the fourth quarter 2019, the company also recorded $8.1 million of severance related to the company’s multi-year IT transformation,
primarily in Global Lifestyle and Global Housing.
• Net operating income per diluted share3 increased to $2.25, compared to fourth quarter 2018 net operating income of $0.77 per diluted share.
• Net earned premiums, fees and other income from the Global Housing, Global Lifestyle and Global Preneed segments totaled $2.42 billion, an
increase of 11 percent from $2.17 billion in fourth quarter 2018, mainly driven by continued organic growth in Connected Living and Global
Automotive.
Full-Year 2019 Consolidated Results
• Net income was $363.9 million, or $5.84 per share, compared to full-year 2018 net income of $236.8 million, or $3.98 per diluted share. The
increase was driven by $128.7 million of lower reportable catastrophes and expansion in Global Lifestyle, as well as full-year contributions from
the TWG acquisition.
• Net operating income1 increased to $533.0 million, compared to full-year 2018 net operating income of $345.4 million.
• Excluding reportable catastrophes, net operating income2 for full-year 2019 totaled $574.0 million, compared to $515.1 million for full-year
2018, primarily driven by strong growth in mobile and TWG contributions within Global Lifestyle.
• Net operating income per diluted share3 increased to $8.55, compared to full-year 2018 net operating income of $5.80 per diluted share.
• Excluding reportable catastrophes, net operating income per diluted share4 increased to $9.21 per diluted share, compared to $8.65 per diluted
share for full-year 2018 due to the factors noted
• Net earned premiums, fees and other income from the Global Housing, Global Lifestyle and Global Preneed segments totaled $9.33 billion, an
increase of 25 percent from $7.46 billion in full-year 2018.
• Excluding TWG and the sale of mortgage solutions, revenue increased approximately 13 percent, primarily due to growth in Connected Living
and Global Automotive.
“We are pleased with our overall performance in 2019, delivering earnings growth in-line with our expectations. Importantly, we also
strengthened our partnerships with leading brands and invested in capabilities to sustain business growth and achieve a more diversified
mix of earnings in 2020, said Assurant President and CEO. We believe our unique position supporting consumers’ connected lifestyles
across mobile, home and auto will drive continued outperformance long-term.”
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Assured Guaranty Ltd. (Bermuda) Reports Results for Fourth Quarter
2019 and Full Year 2019
Fourth Quarter
• Insurance adjusted operating income for fourth quarter 2019 was $133 million, compared with adjusted operating income of
$129 million for the three-month period ended December 31, 2018.
• Loss expense was $20 million in fourth quarter 2019, compared with $24 million in fourth quarter 2018. Loss expense was
primarily due to Puerto Rico exposures in both periods.
• The effective tax rate was 4.5% in fourth quarter 2019, compared with 12.7% in fourth quarter 2018. The lower tax rate was
primarily due to a favorable impact of a regulation issued in fourth quarter 2019 related to base erosion and anti-abuse tax.
• This was partially offset by lower net investment income, primarily due to a decrease in the average asset balances in the
investment portfolio.
Full Year
• Insurance adjusted operating income for FY 2019 was $512 million, compared with $582 million for the year ended
December 31, 2018 (FY 2018).
• Net earned premiums and credit derivative revenues in FY 2019 were $511 million, compared with $580 million in FY 2018.
The decline in net earned premiums was due to the scheduled decline in net par outstanding and lower accelerations from
refunding and terminations.
• Loss expense was $86 million in FY 2019, compared with $70 million in FY 2018. The expense in FY 2019 and FY 2018 was
mainly related to Puerto Rico exposures, offset in part by benefits in U.S. residential mortgage-backed securities (RMBS)
transactions.
• Net investment income decreased in FY 2019 compared with FY 2018 primarily due to a decrease in the average asset
balances in the investment portfolio, which was due, in part, to funds used in connection with the Blue Mountain Acquisition
and share repurchases.
“In 2019, Assured Guaranty’s diversified insurance strategy - across U.S. public finance, international infrastructure and
global structured finance markets - produced by far our best direct PVP result since 2009. We maintained our capital
management strategy, bringing our key measures of shareholder value - shareholders’ equity, adjusted operating
shareholders’ equity and adjusted book value - to record levels on a per-share basis. And we transformed our corporate
profile by acquiring the firm that forms the core of our new asset management platform, Assured Investment
Management,” saidPresident and CEO.
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Athene Holding Ltd. (Bermuda) Reports Fourth Quarter and Full Year
2019 Results
Fourth Quarter 2019 Results
• Net income available to AHL common shareholders for the fourth quarter 2019 was $432 million, compared to a net loss of
$104 million in the fourth quarter 2018. The increase from the prior year quarter was primarily driven by a favorable change in
the fair value of net FIA derivatives due to strong equity market performance and a favorable change in discount rates as well
as higher adjusted operating income available to common shareholders.
• Adjusted operating income available to common shareholders for the fourth quarter 2019 was $389 million, an increase of
$149 million, or 62%, from the fourth quarter 2018. The increase from the prior year quarter was primarily driven by higher
net investment income due to an increase in net invested assets, stronger alternative investment performance and higher bond
call income, as well as a lower cost of funds attributable to favorable rider reserves and DAC amortization driven by strong
equity market performance.
• Adjusted operating income available to common shareholders, excluding notable items, was $346 million, an increase of $53
million, or 18%, from the prior year. The increase from the prior year quarter was primarily driven by an increase in net
investment earnings.
Full Year2019 Results
• Net income available to AHL common shareholders for the full year 2019 was $2,136 million, an increase of $1,083 million,
or 103%, from the full year 2018. The increase from the prior year was primarily driven by favorable changes in the fair value
of reinsurance assets reflecting a decrease in U.S.Treasury rates and tightening credit spreads.
• Adjusted operating income available to common shareholders for the full year 2019 was $1,289 million, an increase of $149
million, or 13%, from the prior year. The increase from the prior year was primarily driven by growth in net invested assets as
well as better alternative investment performance and higher bond call income.
• Adjusted operating income available to common shareholders, excluding notable items, was $1,294 million, an increase of
$123 million, or 11%, from the prior year. The increase from the prior year was primarily driven by growth in net invested
assets and higher alternative investment performance, as well as higher bond call income.
“Athene’s robust fourth quarter results capped a year of record adjusted operating earnings and record organic growth,
which was profitably underwritten to very attractive returns above our historical average. Our strong operating
performance culminated in 18% year-over-year growth in adjusted book value, which now exceeds $54 per share, said
CEO of Athene. Over the past year, we undertook several important initiatives that will create shareholder value in 2020
and beyond. First, we formed a multi-billion-dollar strategic capital solution, ACRA, which greatly enhances our capital
flexibility and positions us as a solutions provider of choice amid a restructuring industry. Second, we opportunistically
deployed over $900 million of capital toward share repurchases, securing high-teens returns with limited execution risk.
And finally, we structured a pending strategic transaction with our partners at Apollo to eliminate our multi-class share
structure, which will serve to broaden Athene’s index eligibility and investor appeal. Overall, we see an abundance of
opportunity in front of us and we will continue to judiciously allocate capital in order to build long-term shareholder
value.”
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AXA (France) to sell its operations* in Central and Eastern Europe for Euro 1.0
billion
AXA announced today that it has entered into an agreement with UNIQA Insurance
Group AG to sell its operations in Poland, Czech Republic and Slovakia. Under the
terms of the agreement, AXA will sell 100% of its Life & Savings, Property &
Casualty and Pension businesses in Central and Eastern Europe for a total cash
consideration of Euro 1,002 million, representing an implied 12.4x 2019E P/E*
multiple. The completion of the transaction is expected to result in a positive impact
on AXA Group’s Solvency II ratio of ca. 2 points. No significant Net Income impact
is estimated for AXA Group from this transaction. AXA Poland offers a full range of
Life and Savings, Property and Casualty, Pension, and Asset Management products
and solutions to ca. 3.2 million customers. The company has 1,575 employees and
distributes its products through two tailored multichannel networks, dedicated to
P&C and L&S. It also benefits from an exclusive and multi-product bancassurance
partnership with mBank. In 2018, it was ranked* 6th and 9th in P&C and L&S
markets respectively and 6th in the Pension market. Revenues* of AXA Poland in
2018 were Euro 585 million.
“This transaction marks another step in the simplification of AXA’s footprint, we
are convinced that AXA’s operations in Central and Eastern Europe will benefit
from UNIQA’s strong presence and local expertise in the region to create new
growth opportunities with a continued focus on delivering enhanced customer
value propositions. I would like to thank the management teams and all the
employees of our Polish, Czech and Slovakian operations, for their continuous
engagement over the years and wish them all the success for the future.” said
CEO of AXA.
Description
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Chubb (Switzerland) Reports Fourth Quarter and Full Year report 2019
• Full-Year Net Income Per Share was $9.71, up 14.4%, and Core Operating Income Per Share was $10.11, up
7.1%; Consolidated Net Premiums Written of $32.3 Billion, up 5.5%, or 7.0% in Constant Dollars
• Fourth quarter net income was $1,173 million versus $355 million prior year, and core operating income was
$1,040 million versus $935 million prior year. Fourth quarter P&C net premiums written were $7.4 billion, up
9.0%, or 9.8% in constant dollars.
• Fourth quarter P&C underwriting income was $533 million, up 12.0%, leading to a P&C combined ratio of
92.7% compared with 93.1% prior year. As previously announced, after-tax catastrophe losses in the quarter were
$353 million compared with $506 million prior year.
• The fourth quarter Agriculture underwriting loss was $23 million pre-tax, with a 105.4% combined ratio,
primarily attributable to crop yield shortfalls resulting from poor growing conditions, compared with
underwriting income of $161 million pre-tax and a 49.5% combined ratio prior year.
• Fourth quarter Global P&C underwriting income, which excludes Agriculture, was $556 million, up 76.3%,
leading to a Global P&C combined ratio of 91.9% compared with 95.2% prior year, and a current accident year
combined ratio excluding catastrophe losses of 88.6% compared with 89.8% prior year.
• Full-year net income was $4.5 billion, up 12.4%, and core operating income was $4.6 billion, up 5.3%.
• Full-year P&C net premiums written were $29.9 billion, up 5.6%, or 7.0% in constant dollars.
• Full-year P&C combined ratio was 90.6% in 2019 and 2018. Global P&C combined ratio, which excludes
Agriculture, was 90.3% compared with 91.5% prior year, and current accident year combined ratio excluding
catastrophe losses was 88.6% compared with 88.4% prior year.
• Full-year Agriculture underwriting income was $89 million pre-tax with a 95.1% combined ratio, compared
with $385 million pre-tax and a 75.5% combined ratio prior year.
Chairman and Chief Executive Officer of Chubb Limited, commented: "It was a good quarter and year for
Chubb. The quarter was marked by excellent premium revenue growth globally our strongest organic
growth in over five years. Core operating income per share was up 13% while our P&C combined ratio of
92.7% was an improvement over prior year. Our fourth quarter results benefited from lower year-over-year
catastrophe losses. On the other hand, adverse weather conditions impacted our U.S. crop insurance
business. The health of our property and casualty business is excellent – the global P&C combined ratio,
which excludes agriculture, was 91.9% compared with 95.2% prior year, and on a current accident year
basis excluding CATs, improved to 88.6% from 89.8% last year.”
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CINCINNATI Financial (USA) Reports Fourth-Quarter and Full-Year
2019 Results
• Fourth-quarter 2019 net income of $626 million, or $3.79 per share, compared with a net
loss of $452 million, or $2.78 per share, in the fourth quarter of 2018.
• Full-year 2019 net income of $1.997 billion, or $12.10 per share, compared with $287
million, or $1.75 per share, in 2018.
• $44 million or 28% increase in fourth-quarter 2019 non-GAAP operating income* to $203
million, or $1.23 per share, compared with $159 million, or 98 cents per share, in the fourth
quarter of last year.
• $145 million or 26% increase in full-year 2019 non-GAAP operating income to $694
million, or $4.20 per share, up from $549 million, or $3.35 per share, with property casualty
underwriting profit up 83%.
• $1.078 billion increase in fourth-quarter 2019 net income reflected the after-tax net effect
of a $1.034 billion increase in net investment gains and a $32 million increase in after-tax
property casualty underwriting profit.
• $60.55 book value per share at December 31, 2019, a record high, up $12.45 or 25.9%
since year-end 2018.
• 30.5% value creation ratio for full-year 2019, compared with negative 0.1% for 2018.
President and chief executive officer, commented: "Non-GAAP operating income
finished the year strong, increasing 28% compared to last year's fourth quarter result. On
a full-year basis non-GAAP operating income rose 26% to $694 million. Our GAAP net
income rose 596% to $1.997 billion for the year, in large part because of strong equity
markets in 2019. While our swing in net income may be surprising, it's the continued
result of the accounting rule changes implemented by the Financial Accounting
Standards Board in 2018. As I've mentioned before, the volatility this rule change
introduced, by requiring unrealized investment gains and losses to be recognized as part
of net income instead of on the balance sheet, may distract investors.”
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CNO Financial Group (USA) Reports Fourth Quarter and Full Year
2019 Results
Full Year 2019 Highlights
• Net income of $409.4 million (including $194 million tax benefit related to a tax planning strategy) compared to a net
loss of $315.0 million in 2018 (including the net loss of $661 million related to completion of a long-term care
reinsurance transaction)
• Operating income (1) per share up 6%, as adjusted to remove the earnings from the long-term care business that was
ceded in 3Q18
• Life and health sales were up 5%; annuity collected premiums were up 12% from 2018
• At December 31, 2019, book value per common share was $31.58, up 52% from $20.78 at December 31, 2018
• At December 31, 2019, book value per diluted share, excluding accumulated other comprehensive income (2), was
$22.09, up 13% from $19.52 at December 31, 2018
• Returned $319 million to shareholders in share repurchases ($252 million) and dividends ($67 million)
Fourth Quarter 2019 Highlights
• Net income of $278.0 million compared to $28.3 million in 4Q18
• Operating income (1) per share was up 44% from 4Q18
• Life and health sales were up 9% from 4Q18
• Annuity collected premiums were down 9% from 4Q18, reflecting pricing discipline and a difficult comparable from
prior year
• Recorded a $194 million tax benefit from a tax strategy that will enable the Company to utilize all of the net operating
losses ("NOLs") that would have otherwise expired in 2023, resulting in the elimination of the valuation allowance
related to those NOLs
• Returned $91 million to shareholders in share repurchases ($75 million) and dividends ($16 million)
"CNO reported another solid quarter, capping off a successful 2019, said Chief executive officer. We delivered
measured growth, exercising discipline to carefully balance sales and profitability. As a result, operating earnings
per share were up 4%, excluding significant items, despite a 7% decline in net investment income due to a
challenging low interest rate environment.Through proactive management, we maximized an expiring tax asset to
generate meaningful incremental value for our shareholders. Rigorous expense control, including benefits from
our recently announced corporate transformation and strategic IT partnership, will mitigate the interest rate impact
and position us well for the future."
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CNP (France) Full Year 2019 Results
Highlights
• Premium income of €33.5 billion, up 3.5% (up 4.0% like-for-like (2))
• 42.3% of Savings/Pensions premiums represented by unit-linked
contracts
• Term Creditor Insurance premiums up 5.6%, with all host regions and
the Group’s main partners contributing to growth
• €3.3 billion net inflow to unit-linked contracts and €3.0 billion net
outflow from traditional products in France
• EBIT of €3,041 million, up 4.0%
• Attributable net profit of €1,412 million, up 3.3%
• APE margin of 17.1%
• Consolidated SCR coverage ratio of 227% (3)
• Recommended dividend up 5.6% to €0.94 per share
CNP Assurances’ Chief Executive Officer, said: “CNP Assurances’
2019 results are an illustration of our business model’s robustness,
rooted in our diverse business base and our relationships with
partners around the world. The Group’s financial strength is now
recognized in its solvency ratio, with the inclusion of the
policyholders’ surplus reserve that has been accrued on a
conservative basis. The lasting negative interest rate environment
requires CNP Assurances to continue actively revamping its
policyholder service offer. By maintaining a high level of financial
strength and assertively contributing to the fight against climate
change, CNP Assurances is helping to give momentum to the new
public financial entity.”
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Fairfax Financial (Canada): Financial Results for the Year Ended
December 31, 2019
• The consolidated combined ratio of the insurance and reinsurance operations was 96.9%, producing an underwriting profit of $394.5
million, compared to a combined ratio of 97.3% and an underwriting profit of $318.3 million in 2018, primarily reflecting growth in net
premiums earned and lower current period catastrophe losses, partially offset by lower net favorable prior year reserve development.
• Net premiums written by the insurance and reinsurance operations increased by 10.3% to $13,261.1 million from $12,017.5 million.
• Operating income of the insurance and reinsurance operations increased to $1,107.5 million from $956.1 million, primarily reflecting
higher interest and dividends and underwriting profit.
• Interest and dividends of $880.2 million increased from $783.5 million, primarily reflecting higher interest income earned on
increased holdings of high-quality U.S. corporate bonds, partially offset by lower interest income earned on decreased holdings of U.S.
municipal bonds.
• Share of profit of associates of $169.6 million decreased from $221.1 million, principally reflecting non-controlling interests' share of
an impairment loss related to Thomas Cook India's spin-off of Quess, partially offset by increased share of profit of Eurolife and IIFL
Finance.
• Interest expense of $472.0 million was comprised of $268.4 million incurred on borrowings by the holding company and the insurance
and reinsurance companies, $135.8 million incurred on borrowings by the non-insurance companies (which are non-recourse to the
holding company) and $67.8 million of accretion on lease liabilities subsequent to the adoption of IFRS 16 on January 1, 2019.
• Corporate overhead and other income of $98.1 million is primarily comprised of share of profit of associates of $165.1 million, and a
performance fee payable to Fairfax by Fairfax India, partially offset by amortization of subsidiary holding companies' intangible assets
and a loss on repurchase of long-term debt of $23.7 million.
• Short-dated U.S. treasury bonds and high-quality corporate bonds represented 23.6% of the company's portfolio investments at
December 31, 2019 compared to 34.7% at December 31, 2018, with the decrease primarily reflecting net sales of U.S. treasury bonds
during 2019 and the proceeds principally reinvested into short term investments.
• Net investment gains of $1,716.2 million in 2019
"2019 was a record year for Fairfax with $2 billion in net earnings, resulting in book value per share growth of 14.8%. Our
insurance companies continued to have strong underwriting performance during 2019 with a consolidated combined ratio of
96.9%, with Zenith National at 85.2% and all of our other major companies between 96.2% and 97.6%, and our operating income
was excellent at $1,107.5 million. We continue to be soundly financed, with over $1 billion in cash and investments at the holding
company and no significant holding company debt maturities until 2022," saidChairman and Chief Executive Officer.
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FNF (USA) Reports Fourth Quarter 2019
• Total revenue of approximately $2.4 billion in the fourth quarter versus $1.7 billion in the fourth quarter
of 2018
• Fourth quarter net earnings of $340 million and adjusted net earnings of $263 million versus net earnings
of $44 million and adjusted net earnings of $175 million for the fourth quarter of 2018
• Fourth quarter diluted EPS of $1.22 and adjusted diluted EPS of $0.95 versus diluted EPS of $0.16 and
adjusted diluted EPS of $0.63 in the fourth quarter of 2018
• Realized gains were $131 million in the fourth quarter versus realized losses of $144 million in the fourth
quarter of 2018
• Pre-tax earnings of $468 million and adjusted pre-tax earnings of $355 million versus pre-tax earnings of
$102 million and adjusted pre-tax earnings of $258 million in the fourth quarter of 2018
• Pre-tax title margin of 20.3% and adjusted pre-tax title margin of 16.3% versus pre-tax title margin of
6.1% and adjusted pre-tax title margin of 14.2% in the fourth quarter of 2018
• Fourth quarter purchase orders opened increased 3% on a daily basis and purchase orders closed increased
5% on a daily basis versus the fourth quarter of 2018
• Total commercial revenue of $321 million, a 2% decline over total commercial revenue in the fourth
quarter of 2018, driven by a 12% decline in fee per file partially offset by a 11% increase in closed orders;
fourth quarter total commercial open orders increased 20% compared to the prior year
• Overall fourth quarter average fee per file of $2,384, a 15% decrease versus the fourth quarter of 2018
"Our strong fourth quarter results rounded out a banner year for our title business. In the quarter we
generated adjusted pre-tax title earnings of $355 million and an adjusted pre-tax title margin of 16.3%.
Total commercial revenues were $321 million for the quarter which compares favorably to the record
breaking results that we posted in the 2018 fourth quarter where total commercial revenues were $328
million,commented Chairman. For the full year 2019, we generated adjusted pre-tax title earnings of
$1.3 billion, a record year, and an adjusted pre-tax title margin of 16.3%, our best year since 2003.
Looking ahead to 2020, we expect mortgage originations to moderate through the year from the very
strong levels enjoyed in 2019 as refinance volumes naturally ease. We will remain vigilant on
expenses as we manage this expected slowdown in volumes.”
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Fidelity National Financial, Inc.(USA) Announces Signing of a Merger Agreement to Acquire FGL
Holdings For $12.50 Per Share in Combination of Cash and FNF Common Stock
Fidelity National Financial, Inc. announced that it has signed a merger agreement to acquire FGL
Holdings for $12.50 per share of common stock, representing an equity value of approximately
$2.7 billion. Based on F&G's adjusted earnings for the twelve months ended September 30,
2019, the transaction is expected to be more than 10% accretive to FNF's 2020 earnings per share
and more than 20% accretive to FNF's 2021 earnings per share. FNF currently owns 7.9% of
F&G's outstanding ordinary shares and all of F&G's Series B Preferred shares, and will acquire
the remaining F&G Series A preferred shares, with a face value of approximately $321 million as
of December 31, 2019. Under the terms of the merger agreement, holders of F&G's ordinary
shares (other than FNF and its subsidiaries) may elect to receive either (i) $12.50 per share in cash
or (ii) 0.2558 of a share of FNF common stock for each ordinary share of F&G they own. This is
subject to an election and proration mechanism such that the aggregate consideration paid to such
holders of F&G's ordinary shares will consist of approximately 60% cash and 40% FNF common
stock. FNF will issue approximately 24 million common shares to F&G shareholders, which
include FNF underwriters, representing approximately 7% of FNF's pro forma diluted shares
outstanding. Including the assumption of F&G's $550 million of senior notes due 2025, FNF's
pro forma debt to total capital is expected to be approximately 26% at the close of the transaction.
FNF's current dividend and buyback policy will remain unaltered as a result of the proposed
transaction.
"We are excited to announce our plans to acquire F&G Holdings and look forward to
welcoming F&G employees and policyholders to the FNF family, commented FNF
Chairman. Following the termination of the merger agreement with Stewart Information
Services, the board and management diligently reviewed FNF's capital allocation strategy
and determined that expanding into the annuity market through the acquisition of F&G
Holdings would offer compelling benefit to our shareholders."
Description
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Agreement in Principle Reached with New York Regulator Regarding Proposed Oceanwide
Acquisition of Genworth's (USA) New York-Domiciled Insurance Company
Genworth Financial, Inc. and China Oceanwide Holdings Group Co., Ltd. announced that they have agreed in principle with the New York State
Department of Financial Service on conditions that are expected to facilitate a reapproval by the NYDFS of the proposed acquisition of control by
Oceanwide of Genworth's New York-domiciled insurance company, Genworth Life Insurance Company of New York. Genworth has agreed, among other
things, to contribute $100 million to GLICNY at the closing of the Oceanwide transaction. The reapproval of the NYDFS remains subject to submission
and approval of the documentation setting forth the agreed upon conditions. Oceanwide and Genworth are working to complete this process as soon as
possible.In addition, the parties are providing supplemental information to certain U.S. insurance regulators to reflect the planned capital contribution to
GLICNY at the closing of the Oceanwide transaction and the passage of time since their prior approval of the Oceanwide transaction. These regulators will
need to review the supplemental information to determine whether it has any impact on their existing approvals. If the parties are able to obtain the NYDFS
reapproval and confirm the other U.S. regulatory approvals, Oceanwide will also need to receive clearance in China for the currency conversion and transfer
of funds in order to complete the transaction.Genworth Financial, Inc. is a Fortune 500 insurance holding company committed to helping families achieve
the dream of homeownership and address the financial challenges of aging through its leadership positions in mortgage insurance and long-term care
insurance. Headquartered in Richmond, Virginia, Genworth traces its roots back to 1871 and became a public company in 2004.
Description
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Genworth MI Canada Inc. Reports Fourth Quarter and Full Year 2019
Results
Fourth quarter 2019
• Net income of $108 million or $1.25 fully diluted earnings per common share.
• Net operating income of $112 million or $1.30 fully diluted operating earnings per common share.
• Premiums earned of $171 million were $2 million, or 1%, higher than the same quarter in the prior year, primarily reflecting relatively higher
premiums written in 2019.
• New reported delinquencies, net of cures, of 385, were 59 higher than the same quarter in the prior year
• The loss ratio for the quarter was 20% as a percentage of premiums earned, compared to 18% in the same quarter in the prior year and the prior
quarter.
• Expenses were $35 million during the quarter, resulting in an expense ratio of 20%, as a percentage of premiums earned.
• Operating investment income of $55 million was $2 million lower than the same quarter in the prior year primarily due to lower realized income
from the interest rate hedging program.
Full year 2019
• Net income of $426 million or $4.92 fully diluted earnings per common share.
• Net operating income of $466 million or $5.38 fully diluted operating earnings per common share. The Company also delivered an operating
return on equity of 12% for the full year.
• Premiums earned of $678 million were $2 million, or less than 1%, lower than the prior year. The unearned premiums reserve was $2.1 billion
at the end of the year, relatively consistent with the reserve level as at December 31, 2018.
• New reported delinquencies, net of cures, of 1,444 were 65 higher than 2018 primarily due to an increase in Alberta (166), partially offset by a
decrease in Quebec (103).
• The loss ratio for 2019 was 17% as a percentage of premiums earned, compared to 15% in the prior year.
• The number of delinquencies outstanding of 1,798 were 114 higher than 2018 primarily due to an increase in Alberta (135) and the Atlantic
region (34), partially offset by a decrease in Quebec (54).
• Expenses were $136 million during 2019 resulting in an expense ratio of 20%, as a percentage of premiums earned.
• The Company's investment portfolio had a market value of $6.5 billion at the end of the year.
• Operating investment income, of $225 million was $13 million higher than the prior year primarily due to an increase in realized income from
the interest rate hedging program and a modestly higher average amount of invested assets.
"We are very pleased with our 2019 results including the return of $608 million of capital through ordinary dividends, special dividends
and share buybacks, said President and CEO. Our strategy in 2020 is focused on improving our operating return on equity and driving
prudent growth by enhancing our customer value proposition in a resilient economic environment."
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The Hartford (USA) Announces Fourth Quarter and Full Year 2019
Financial Results
• Fourth quarter 2019 net income available to common stockholders of $543 million increased
186% over fourth quarter 2018, and core earnings* of $522 million (core earnings per diluted
share* of $1.43) rose 84% from fourth quarter 2018
• Full year 2019 net income available to common stockholders totaled $2,064 million and was up
15% over 2018. Full year 2019 core earnings of $2,062 million (core earnings per diluted share
of $5.65) grew 31% from $1,575 million ($4.33 per diluted share) in 2018
• Net income ROE for the trailing 12-month period ended Dec. 31, 2019, was 14.4% and core
earnings ROE* for the same period was 13.6%
• Book value per diluted share was $43.85, up 25% from Dec. 31, 2018; book value per diluted
share excluding accumulated other comprehensive income (AOCI)* rose 11% to $43.71
• During the quarter, The Hartford repurchased 1.8 million common shares for $110 million and
paid $106 million in common dividends; for full year 2019, share repurchases totaled 3.4 million
common shares for $200 million, with $800 million remaining under its $1.0 billion
authorization
• A quarterly dividend of $0.325 per common share was declared, an 8% increase, for record date
Mar. 2, 2020, payable Apr. 2, 2020
• In addition, The Hartford provided its outlook for 2020 key business metric ranges for
Commercial Lines and Personal Lines combined ratios and Group Benefits margins
“2019 was a pivotal year strategically for The Hartford as we positioned the company with
enhanced capabilities to strengthen our competitive advantages in a dynamic market
environment, said The Hartford's Chairman and CEO. Group Benefits results were
exceptional with continued margin improvement reflecting favorable incidence in group
disability. Property & Casualty underwriting income improved 36% and the investment
portfolio continued to perform well with strong partnership returns. We generated an
annualized core earnings return on equity of 13.6%, an impressive result in the current
market environment."
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EDF (France) acquires Pod Point, one of the UK’s largest electric vehicle charging
companies
EDF has acquired a majority stake in Pod Point, one of the largest electric vehicles
charging companies in the UK, as part of a newly-formed joint venture with Legal &
General Capital. The acquisition of Pod Point is EDF Group’s largest investment in
the EV market and forms part of its plan to become the leading energy company for
electric mobility in France, the UK, Italy and Belgium. It offers charging solutions at
home, at work and at destination and has developed an extensive public network
connecting EV drivers with almost 3,000 charging bays across the UK, including at
Tesco and Lidl shops, Center Parcs and a number of sites across Legal & General’s
extensive property portfolio. Its charging points are compatible with all plug-in
vehicles and the combination of Pod Point solutions and EDF’s offers will in future
mean customers will be able to schedule their charging and benefit from competitive
electricity at times when energy costs are lower and there is less demand on the
grid.Transport has the highest carbon emissions of any industry and, last week, the
British Government launched a consultation to bring forward the end date for the sale
of petrol and diesel vehicles.
“Electric vehicles will be crucial in reducing the UK’s carbon emissions and
fighting climate change. With the addition of charge points, we can help our
customers to reduce their carbon footprints and benefit from lower fuel costs by
going electric. The additional electricity demand from EVs will require urgent
investment in low carbon generation from renewables and nuclear.” Said CEO of
EDF.
Description
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Prudential Financial, Inc. (UK) Announces 2019 Results
• Fourth quarter 2019 net income attributable to Prudential Financial, Inc. of $1.128 billion or
$2.76 per Common share versus $842 million or $1.99 per share for the year-ago quarter.
• Fourth quarter 2019 after-tax adjusted operating income of $950 million or $2.33 per Common
share versus $1.035 billion or $2.44 per share for the year-ago quarter.
• Net income attributable to Prudential Financial, Inc. for 2019 of $4.186 billion or $10.11 per
Common share versus $4.074 billion or $9.50 per share for 2018.
• After-tax adjusted operating income of $4.845 billion or $11.69 per Common share for 2019
versus $5.019 billion or $11.69 per share for 2018.
• Book value per Common share of $155.88 versus $116.34 per share for the year-ago; adjusted
book value per Common share of $101.04 versus $96.06 per share for the year-ago.
• Capital returned to shareholders of $906 million in the quarter versus $752 million for the
year-ago quarter, including dividends of $1.00 per Common share.
• Parent company highly liquid assets of $4.1 billion versus $5.5 billion for the year-ago.
• Assets under management amounted to $1.551 trillion versus $1.377 trillion for the year-ago.
• The Company declared a quarterly dividend of $1.10 per share of Common stock, payable on
March 12, 2020, to shareholders of record as of February 18, 2020, representing an increase of
10% over the prior year dividend level and a 4.4% annualized yield on adjusted book value.
“During the fourth quarter, we made significant progress against our strategy to provide
financial opportunity to more people and drive greater efficiency across our operations. For
the year, we returned approximately $4 billion to our shareholders and generated an adjusted
operating return on equity within our 12-14% target. Looking ahead, we remain focused on
enhancing our customer experience while delivering on our cost savings initiative,
increasing the percentage of earnings in international growth markets, and taking actions to
mitigate the effect of low interest rates, which we expect will result in future earnings
growth.” Said Chairmen and CEO.
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Insurance Industry

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Swiss Re’s iptiQ (Switzerland) and IKEA partner to launch affordable and
easily accessible home insurance
23
Solution Description
Swiss Re’s iptiQ and IKEA announced the launch of HEMSÄKER, a home insurance offering which provides easily accessible protection at an
affordable price. HEMSÄKER, which can be purchased online via the IKEA website in a matter of minutes, was created to extend home insurance
to more people and in turn increase their financial resilience. Created by iptiQ and IKEA, HEMSÄKER is initially introduced in Switzerland and
Singapore. Swiss Re’s digital platform iptiQ is a white-label provider of Property and Casualty as well as Life and Health insurance solutions. The
unique B2B2C business model enables brands such as IKEA to provide innovative new services for their customers by rolling out bespoke
insurance offerings using the iptiQ platform. iptiQ’s digital insurance, underwriting and claims expertise enables a fresh take on home insurance.
Together, iptiQ and IKEA conducted extensive testing to develop a digital customer journey which is easy to navigate and uses simple, everyday
terms to ensure customers know exactly what they are covered for.The offering is tailored to the specific markets – in Switzerland customers can
choose to modify their level of coverage so that they only pay for what they need. HEMSÄKER can be purchased online via the IKEA website and
can be cancelled at any time with next day effect.For iptiQ, whose business model is based on strong partnerships to provide digital insurance
solutions via trusted brands and distribution partners, the launch of HEMSÄKER in collaboration with IKEA and Ikano Group is part of a journey
to make insurance products simpler and accessible to more people globally.

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Assurant (USA) Global Automotive Launches Virtual Learning Platform
with Virtual Coach
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Assurant, Inc., a global provider of lifestyle and housing solutions that support, protect and connect major consumer purchases like automobiles,
launched Virtual Coach, a simulated, interactive classroom experience as part of the Assurant Virtual Learning Platform. The new programs are
from the Assurant Performance Institute - the renowned in-person training for F&I employees. The Virtual Learning platform includes Assurant
Virtual Coach – a video-based role-playing function allowing for individualized feedback and scoring. The Assurant Learning Platform comprises
multiple modules for fundamental skill development. The on-demand modules are designed to mirror Assurant’s FSM 101 in-person class held in
Chicago. The Assurant Virtual Coach simulates the interactive classroom experience where students role-play with the instructor. Through the
Virtual Coach, students submit videos and receive direct feedback from the instructor that uses the same Performance Evaluation Form
methodology deployed in the live classroom programs.The Assurant Virtual Coach is slated for a Q2 2020 launch with two program options
tailored to an Assurant client’s training needs. The basic level will include the FSM 101 virtual training modules, each three-to-five minutes in
length, for on-demand learning. The upgraded service will include the basic offering plus access to the Virtual Coach, complete with a record
function, four annual written/video feedback sessions from a certified F&I instructor, and participation access to quarterly live webinars led by
certified instructors.

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Athene (Bermuda) Enhances Its Fixed Indexed Annuity Lineup
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Athene USA, a leading provider of retirement savings products, has added the Nasdaq FC Index, sponsored by Bank of America, and the AI
Powered US Equity Index, sponsored by HSBC, to its suite of fixed indexed annuities. The annuities are issued by Athene Annuity and Life
Company, a subsidiary of Athene. The Nasdaq FC Index is built around patent-pending technology that employs intra-day rebalancing to aim for
increased efficiency and performance. With the AI Powered US Equity Index, clients can take advantage of a first-to-market large-cap equity
strategy that utilizes IBM Watson® and EquBot artificial intelligence to identify stocks poised for growth. Fixed indexed annuities are
tax-deferred, long-term retirement savings products that combine protection from loss due to market downturns with the opportunity for growth
based in part on the performance of a market index. When the index rises in value, customers participate in a portion of those gains in the form of
an interest credit. They are protected on the downside because the interest rate will never fall below zero. Fixed indexed annuities are not stock
market investments and do not directly participate in any stock or equity investments. Clients who purchase indexed annuities are not directly
investing in a stock market index. The first generation of FIAs typically used the performance of the S&P 500® index to calculate interest credits.
Crediting strategies are increasingly likely to track rules-driven alternative indices that are designed to provide more consistent returns and allow
higher participation rates in fixed indexed annuities.

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Rain and Hail (USA) Integrates Grain Cart Reporting Functionality into Its
Platform to Streamline Production Reporting for Agents and Growers
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Rain and Hail, a division of Chubb's agriculture business and leading provider of crop insurance in the United States, announced it has completed
the integration of UHarvest Pro data system into its existing platform to help streamline production reporting for agents and growers. Under the
Multiple Peril Crop Insurance program, growers are required to report production on an annual basis to establish history and determine potential
loss. Grain cart scales have become an invaluable tool for growers to measure and track real time production in the field. Unverferth
Manufacturing, in partnership with Raven Industries, released the UHarvest Pro ISOBUS Scale System for grain carts at the 2019 Farm Progress
Show. The UHarvest Pro Scale System allows growers to more easily track yield by field and destination, saving extensive time and improving
accuracy of reporting. It also improves in-field wireless data transfer, simplifying the required reporting process for growers nationwide. Raven
Applied Technology is helping feed a growing population by delivering impactful technology that improves agricultural efficiency for custom
applicators and growers around the world. From field computers to sprayer and planter controls, GPS guidance steering systems, wireless and
logistics technology, Raven provides precision agriculture products and solutions designed to reduce operating costs and improve yields.
Unverferth Mfg. Co., Inc. is a world-class, family-owned manufacturer and marketer of tillage, seed-, hay- and grain-handling equipment, along
with pull-type sprayers, fertilizer applicators and agricultural dual, triple and specialty wheel products.

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RGA (USA) Announces Industry’s First Digital Health Data Scoring Service
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Reinsurance Group of America, Incorporated, a leading global life and health reinsurer, announced that its breakthrough Digital
Health Data Risk Scoring service is now available for U.S. life insurers. This real-time platform evaluates structured electronic
medical record and medical claims data, and derives an actionable underwriting risk score for seamless integration within a carrier’s
underwriting system. RGA’s comprehensive DHD solution is an unprecedented scoring system for efficiently translating health data
into actionable insights. Digital health data becomes more widely available across the U.S., carriers such as USAA Life Insurance
Company are working to leverage this rich data and RGA’s DHD solution to reduce applicant wait time, provide more consistent
underwriting decisions, and ultimately help their applicants obtain the protection they need. Working with prominent organizations
like USAA Life, RGA is improving applicant risk assessment and expediting the underwriting process for the benefit of insurers and
applicants alike. RGA’s DHD solution is available via a real-time application programming interface (API) for use across a broad
range of use cases, from triage through post-issue monitoring.

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Sun Life Global Investments (Canada) announces launch of Private
Investment Pools
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Sun Life Global Investments is pleased to announce the launch of the Sun Life Private Investment Pools. The Pools leverage the breadth and strength
of Sun Life's capabilities and are designed to address the needs of investors in today's uncertain environment. Sun Life Global Investments is offering
five differentiated solutions that are actively managed, competitively priced and available without the high minimum investment requirements typically
associated with private pools. In addition to helping diversify portfolios and manage risk, the Pools, managed by Sun Life Global Investments, offer
investors exclusive access to solutions from active, world-class investment managers:
• KBI Global Investors
• Lazard Asset Management
• MFS Investment Management
• SLC Management
• Wellington Management
As sub-advisors to the Pools, these investment managers have deep institutional experience and risk management expertise, which contributes to
building unique investment solutions for advisors and their Clients.

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Zurich (Switzerland) teams up with global security specialist to expand cyber
protection offering as risks grow
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Zurich Insurance Group has created a new offering together with cybersecurity company CYE to shield businesses against the
growing risks of cyber-crime.Zurich Cyber Security Services addresses the full spectrum of cyber-risks by helping businesses define
and deploy effective cyber risk management programs. It combines Zurich’s specialist cyber insurance and risk engineering
capabilities with CYE’s artificial intelligence-based technology, services and cyber expertise. The cyber space is a dangerous source
of crime and disruption and one of the top risks for businesses, says the Global Risks Report published by the World Economic Forum
in partnership with Zurich. As cyber-attacks increase in severity and frequency, companies can make themselves more resilient by
strengthening risk strategies for cybersecurity and insurance. The benefits of Zurich Cyber Security Services include closing
unknown security blind spots, reducing the risk and impact of security incidents, ensuring proactive protection of critical business
assets, and appropriate budget and resources allocation. Zurich Cyber Security Services is available to companies globally.

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Ethisphere Names Aflac (USA) Incorporated One of the World's Most Ethical
Companies for 2020
30
Aflac Incorporated announced that it is once again included on the Ethisphere Institute's list of the World's Most Ethical Companies® for 2020.
This marks the 14th consecutive year that the company has appeared on the prestigious list, making Aflac the only insurer to appear on the list
every year since the inaugural recognition in 2007. According to Ethisphere, the World's Most Ethical Company recognition honors companies that
take the long view with a purpose-based strategy and that strive to create positive change throughout their global communities. In 2019, Aflac
reached significant corporate social responsibility milestones, including surpassing $140 million in contributions to the treatment and research of
childhood cancer. The company also delivered more than 6,200 My Special Aflac Ducks®, robotic caring companions designed to help children
and families facing childhood cancer, free of charge, to children across the United States and Japan. The company was also recently named to
Bloomberg's 2019 Gender-Equality Index. According to Ethisphere, the World's Most Ethical Companies assessment is grounded in Ethisphere's
proprietary Ethics Quotient®, a process that includes more than 200 questions on culture, environmental and social practices, ethics and
compliance activities, governance, diversity and initiatives to support a strong value chain. The process serves as an operating framework to
capture and codify the leading practices of organizations across industries and around the globe.
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Allianz (Germany) has been included in the 2020 SAM Sustainability Yearbook, one of the most comprehensive
annual publications on corporate sustainability, achieving SAM’s Gold class award
31
Allianz Group achieved the top position as sector leader among all rated insurance companies. This is the third time in a row since 2017. In the results of the world’s
most relevant sustainability index, Allianz ranks with 87 points well above the sector average scoring of 47 points. Since 2000, the company has been part of the
DJSI which assesses environmental, social and governance factors. The DJSI is one of the world’s most recognized sustainability ratings. The DJSI is prepared
based on the RobecoSAM Corporate Sustainability Assessment. The CSA assesses a company based on its public disclosures and transparency of its sustainability
approach, as well as internal and confidential data provided directly by the company. It considers a wide range of economic, environmental and social topics, such
as human resources programs, executive compensation, tax policies, shareholder rights, compliance and anti-corruption programs, environmental management and
performance, corporate social engagement, customer satisfaction, and many other dimensions. The Allianz Group is one of the world's leading insurers and asset
managers with more than 100 million retail and corporate customers in more than 70 countries. Allianz customers benefit from a broad range of personal and
corporate insurance services, ranging from property, life and health insurance to assistance services to credit insurance and global business insurance. Allianz is
one of the world’s largest investors, managing around 754 billion euros on behalf of its insurance customers. Furthermore, our asset managers PIMCO and Allianz
Global Investors manage almost 1.7 trillion euros of third-party assets.
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Allstate (USA) Named as One of the 2020 World’s Most Ethical Companies
by Ethisphere
32
Ethisphere, a global leader in defining and advancing the standards of ethical business practices, has recognized Allstate as one of the 2020 World’s
Most Ethical Companies. This is the annual recognition of those who prioritize ethical behavior as a means to improve the world, while enhancing
business performance. This is the sixth consecutive year that Ethisphere has recognized Allstate, and it is the only company listed in the property
and casualty insurance category. In 2020, 132 honorees were recognized, spanning 21 countries and 51 industries. This distinction reaffirms
Allstate’s commitment to living into its core values of honesty, caring and integrity. Grounded in Ethisphere’s proprietary Ethics Quotient®, the
World’s Most Ethical Companies assessment process includes more than 200 questions on culture, environmental and social practices, ethics and
compliance activities, governance, diversity and initiatives to support a strong value chain. The process serves as an operating framework to
capture and codify the leading practices of organizations across industries and around the globe. Best practices and insights from the 2020 honorees
will be released in a report and webcast in March and April, respectively, of this year.All companies that participate in the assessment process
receive an Analytical Scorecard, providing them a holistic assessment of where their programs stand against the demanding standards of leading
companies.
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Eagle Life parent company American Equity ranks in J.D. Power top 5 for
customer satisfaction
33
Eagle Life Insurance Company is proud to share American Equity earned the distinction of “Better than Most” as 4th place for customer
satisfaction in the J.D. Power 2019 U.S. Life Insurance Study. The carrier’s satisfaction index score outpaced the annuity industry average as well
as other top fixed index annuity carriers. This is the first year the annuity provider category was included in the “Overall Customer Satisfaction
Index Ranking” for the U.S. Life Insurance Study. The overall satisfaction index score for annuity providers was 776. American Equity ranked
fourth with a score of 787. To measure customer satisfaction, critical-to-customer experience factors are examined using an index model. The
model identifies the dominant factors that impact customer satisfaction and behavior and provides a benchmark of excellence for each. The U.S.
Life Insurance Study measures overall customer satisfaction based on performance in six factors (in alphabetical order): application and
orientation; communications; interaction; product offerings; price; and statements.Eagle Life Insurance Company is a provider of fixed and fixed
index annuities marketed through broker-dealers and banks. The company is a wholly-owned subsidiary of American Equity Investment Life
Insurance Company®, headquartered in West Des Moines, Iowa. Eagle Life is committed to providing products with integrity as well as superior
service to the representatives it partners with and their clients.
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ASR (Netherland) achieves Best Employers quality mark 2019-2020 with the
maximum 3 stars
34
ASR has achieved the Best Employer 2019-2020 quality mark. The reason was an employer scan that was
conducted among employees in January. The employees gave asr an 8.06, a score well above the industry average
of Insurers. Asr thus achieves the maximum of 3 stars. A total of 3536 employees were approached for the study, of
which 61% completed the scan. The score is based on 6 elements: employer ship, organization pride, organization
orientation, appreciation, work pride and the use of talent. The Best Employer label of Effectory and Intermediary
is the largest, independent label for being a good employer in the Netherlands. asr is included in the list of Best
Employers in the Netherlands.
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The Hartford (USA) Named One Of ‘World’s Most Ethical Companies’ For
12th Time By Ethisphere
35
The Hartford has been named one of the World’s Most Ethical Companies® for the 12th time, as designated by the Ethisphere Institute, a global leader in
defining and advancing the standards of ethical business practices. The Hartford’s culture of integrity is driven by a strong ethics, governance and compliance
programs, focusing on leadership accountability and ongoing education for employees. During the company’s annual Ethics and Compliance week, and
throughout the year, employees receive in-depth training on appropriate business conduct and behaviors, highlighting the importance of operating with
integrity. For more than 10 years, Ethisphere has recognized organizations that continue to elevate the standards for ethical leadership and corporate behavior.
In 2020, 130 honorees were recognized spanning 21 countries and 51 industries. Companies are scored in five key categories: ethics and compliance
program, culture of ethics, corporate citizenship and responsibility, governance and leadership and reputation.The Hartford is a leader in property and
casualty insurance, group benefits and mutual funds. With more than 200 years of expertise, The Hartford is widely recognized for its service excellence,
sustainability practices, trust and integrity.The Ethisphere® Institute is the global leader in defining and advancing the standards of ethical business practices
that fuel corporate character, marketplace trust and business success. Ethisphere has deep expertise in measuring and defining core ethics standards using
data-driven insights that help companies enhance corporate character and measure and improve culture. Ethisphere honors superior achievement through its
World’s Most Ethical Companies recognition program and provides a community of industry experts with the Business Ethics Leadership Alliance
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Suncorp (Australia) awarded Employer of Choice for Gender Equality for
seventh consecutive year
36
Suncorp has been awarded Employer of Choice for Gender Equality by the Workplace Gender Equality Agency for the
seventh year in a row.The WGEA recognizes Suncorp’s ongoing commitment as an industry leader in workplace gender
equality and promoting an inclusive culture across the business.The citation is awarded to organizations that meet the
Workplace Gender Equality Agency's rigorous standards in gender equality, which include: leadership, strategy and
accountability, pay equity, support for caring, mainstreaming flexible work, and prevention of harassment and
discrimination.With 51% of leadership roles now held by women at Suncorp, we have achieved continual progress
towards gender balance across all levels of business. The EOCGE citation has been in place since 2014 and is designed to
encourage, recognize and promote active commitment to achieving gender equality in Australian workplaces.
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Travelers (USA) Recognized for Diverse and Inclusive Culture
37
The Travelers Companies, Inc. announced that it has attained a perfect score on the 2020 Corporate Equality Index administered by the Human Rights Campaign Foundation, maintaining its
distinction as a Best Place to Work for LGBTQ Equality.
Travelers supports several initiatives designed to maintain an environment that embraces diverse perspectives, including:
• Diversity Networks: The company supports eight Diversity Networks, which are employee-led groups focused on attracting, retaining and developing all employees through networking,
mentorship and community volunteer opportunities. Its LGBT & Allies network was launched in 2012 to raise awareness of LGBT-related issues through education, networking and business
initiatives.
• Appreciating Differences: Travelers requires all employees to complete an interactive diversity education program to help them better understand how to leverage differences for shared
success.
• Employee Benefits: Travelers provides health insurance benefits for transitioning employees and family members to cover professional counseling, hormone therapy and, if clinically
appropriate, gender reassignment surgery. The company is committed to providing a positive and respectful environment for employees and has developed guidelines offering support for
transitioning employees, their co-workers and their managers.
• Inclusive Leadership Performance Objectives: All managers’ annual performance objectives include two diversity-related goals: to purposefully foster a work environment where all
employees are included and appreciated, and to attract, retain, engage and develop employees from all cultures and backgrounds.
• Diversity Speaks: The company sponsors events designed to create a culture that embraces the power of difference. The events feature employees and guest speakers who share personal
stories and provide different experiences and viewpoints.
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Vienna Insurance Group (Austria) is the most diverse company in Austria
38
Vienna Insurance Group was number one in the BCG Gender Diversity Index Austria 2019 published by the Boston
Consulting Group. The index analyses the gender balance and pay gaps in the managing and supervisory board for the 50
largest listed companies in Austria. In addition to paying attention to the gender balance at management levels and
opportunities for equal pay, VIG's gender measures also focus on promoting a balance between career and family. Currently
100% of women managers, for example, return to VIG after maternity leave. In 1974, VIG's largest Group company, Wiener
Städtische, set up the first company kindergarten in Vienna for the children of VIG company employees in Austria. Along with
flexible working time models and mobile work, VIG also offers a “Family Week”, an additional week of time off after the
birth of a child that provides support for all types of families. “Diversity is more than just a competitive factor for us. It
promotes and supports successful entrepreneurship and our corporate culture,” states Elisabeth Stadler, seeing the award from
the Boston Consulting Group as confirmation of VIG's diversity strategy.
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Vienna Insurance Group (Austria) in the international sustainability index
FTSE4Good again in 2020
39
Vienna Insurance Group was independently assessed according to the FTSE4Good criteria and fulfilled the requirements to become a
constituent of the FTSE4Good index series. VIG shares were included in this index for the first time in mid-2007 and have been listed
without interruption since then. The FTSE4Good was established by the global index provider FTSE Russell to measure the performance
of companies demonstrating strong Environmental, Social and Governance practices. Many market participants use the FTSE4Good
indices to create and assess responsible investment funds and other products. “As a listed company, following a long-term sustainability
strategy forms an important basis for evaluation that is becoming increasingly significant. Being continuously represented in the
FTSE4Good index, one of the largest and most significant sustainability indices worldwide, is very valuable to us. We are consciously
intensifying our ESG activities”, explained Elisabeth Stadler, CEO of Vienna Insurance Group. The FTSE4Good is aimed at investment
banks, fund managers, asset managers, stock exchanges, stock traders and advisors that make their investments based on ethical factors.
Ratings are provided in five categories based on specified criteria, using indicators. The categories are: Environmental management,
climate change, human and labor rights, labor standards and fighting corruption.
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Athene (Bermuda) Announces Pension Buyout Agreement with Armstrong
World Industries
40
Athene Holding Ltd., a leading retirement services company, announced a pension buyout agreement with Armstrong World Industries, a leader in the design and manufacture
of innovative commercial and residential ceiling, wall and suspension system solutions in the Americas. Under the terms of the transaction, Athene’s wholly-owned
Iowa-domiciled life insurance subsidiary, Athene Annuity and Life Company, and Athene’s wholly-owned New York-domiciled life insurance subsidiary, Athene Annuity &
Life Assurance Company of New York, have agreed to provide annuity benefits for approximately 10,000 retirees who are currently receiving benefits from Armstrong’s
pension plan. In aggregate, Armstrong is transferring approximately $1 billion in pension obligations to Athene. Athene, through its subsidiaries, is a leading retirement services
company that issues, reinsures and acquires retirement savings products designed for the increasing number of individuals and institutions seeking to fund retirement needs.
The products offered by Athene include:
• Retail fixed, fixed indexed and index-linked annuity products;
• Reinsurance arrangements with third-party annuity providers; and
• Institutional products, such as funding agreements and the assumption of pension risk transfer obligations.
Athene had total assets of $146.9 billion as of December 31, 2019. Athene's principal subsidiaries include Athene Annuity & Life Assurance Company, a Delaware-domiciled
insurance company, Athene Annuity and Life Company, an Iowa-domiciled insurance company, Athene Annuity & Life Assurance Company of New York, a New
York-domiciled insurance company and Athene Life Re Ltd., a Bermuda-domiciled reinsurer.
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Allianz (Germany) enters JV agreement with AEON Financial Service
41
Allianz SE has entered into an agreement to form a life insurance joint venture with AEON Financial Service to develop and market life insurance
solutions for local customers in Japan. The strategic partnership will combine Allianz’s global financial expertise in insurance and risk
management, alongside the local retail expertise and expansive distribution network of AFS and the AEON Group – ensuring local customers in
Japan have increased access to market-leading protection, health and savings products and services. As part of the transaction, AFS will acquire a
60 percent stake in Allianz Life Insurance Japan Ltd., with Allianz retaining 40 percent ownership. Allianz Life Insurance Japan Ltd. has no
intention to change the terms and conditions of insurance contracts of its existing policyholders.This strategic partnership will allow Allianz to
leverage the capabilities of a strong local partner and position the JV for future growth in the world’s third largest economy with new products and
services to be launched to the market in due course.The transaction is subject to regulatory approval. Further information will be shared at the
appropriate time.The Allianz Group is one of the world's leading insurers and asset managers with more than 100 million retail and corporate
customers in more than 70 countries. Allianz customers benefit from a broad range of personal and corporate insurance services, ranging from
property, life and health insurance to assistance services to credit insurance and global business insurance. Allianz is one of the world’s largest
investors, managing around 754 billion euros on behalf of its insurance customers.
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Suncorp (Australia) partners with IDCARE to protect customers from cyber
crime
42
Suncorp has partnered with IDCARE to ensure the ongoing support of customers experiencing scams first hand. DCARE is an Australian
and New Zealand service which supports people facing identity and cybersecurity concerns. Suncorp’s Executive General Manager,
Deposits & Payments, Bruce Rush said the Bank identified a need to provide ongoing support to customers who were victims of scams
and fraud. They want to help our customers get back on their feet as quickly as possible after experiencing a scam, and the best thing we
could do is put them in contact with experts who specialize in providing tailored advice and response plans developed to the customer’s
needs and circumstances. Being victim to cyber-related crime can be devastating financially and emotionally, and can take years to
recover from one of these events. They are here to help Australians and New Zealanders reduce the harm they experience from the misuse
of their identity information by providing effective response and mitigation. Assuming a customer’s identity is very common and there
are so many different types of scams; romance, employment, investment. Perpetrators are getting more creative and smarter and the
disturbing thing is that often people don’t even know it’s happening to them until we notify them of unusual activity on their accounts.
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Travelers Institute (USA) Launches 2020 Every Second Matters℠ Symposium
Series to Combat Distracted Driving
43
The Travelers Institute, the public policy division of The Travelers Companies, Inc. will begin its 2020 Every Second Matters series at the University of Tennessee
in Knoxville. The program raises awareness about the risks of distracted driving and explores the behaviours and technological innovations that can help keep roads
safe. The 2019 Travelers Risk Index, a national survey of more than 2,000 consumers and executives, found that 77% of drivers make or take calls while driving
and nearly one in three drivers have had a near-miss crash because of distracted driving.
Other dangerous ways drivers use their mobile devices while behind the wheel include:
• Typing a text or email (44%).
• Using social media (23%).
• Recording videos or taking photos (22%).
• Shopping online (15%).
The next Every Second Matters symposium will be held Feb. 19 at the University of Georgia. The program will feature representatives from the Shepherd Center,
the Georgia Governor’s Office of Highway Safety and the Travelers Risk Control team, who will share approaches to combat distracted driving. Other events are
planned at college campuses across the United States and Canada and will be announced throughout the year. All seminars are free and open to the public.
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Upcoming Events - Insurance
3rd Myanmar Insurance Summit
This summit is aimed at helping local and foreign players
maximise their potential in the market as well as bring
leading experts and industry leaders together to provide a
comprehensive analysis of the insurance landscape in
Myanmar today.
Hosted By : Asia Insurance Review
Yangon, Myanmar
27-28 April, 2020
https://www.asiainsurancereview.com/Events/Home/Asia/airmyanmar
Climate Crisis, Environmental Risks and
Sustainability Conference
Environmental change is the most noteworthy test to accomplishing reasonable
advancement, and it undermines to drag a huge number of individuals into pounding
neediness. In the meantime, we have never would be advised to know-how and
arrangements accessible to deflect the emergency and make open doors for a superior
life for individuals everywhere throughout the world. Environmental change isn't only
a long haul issue. It is going on today, and it involves vulnerabilities for arrangement
producers attempting to shape what's to come.
Hosted By : Conference Series LLC Ltd
Zurich, Switzerland
12-13 Oct, 2020
https://climatechange.insightconferences.com/events-list/climate-change-challenges-sustainability
2nd Agency Innovation Conference
After day 1 of the conference, we also invite you to join us at the 5th Asia Trusted Life
Agents & Advisers Awards, recognizing the achievements of individuals who have
touched the lives of people in many different ways and the corporate executives,
companies, associations and service providers who help agents and advisers on their
path to excellence. Your ticket to this dinner is included with the price of your
conference registration fee, and will be a great way to celebrate the agents that are
helping to shape the future of our industry!
Hosted By : Asia Insurance Review
Kuala Lumpur, Malaysia
27-28 June, 2020
https://www.asiainsurancereview.com/Events/Home/Asia/airaic
Connecting America’s most innovative
insurance leaders
Connect with innovative trailblazers, be inspired by
disruptors and gain insights from those changing
insurance as we know it. This event is a one-stop shop
to build those all-important relationships and gather
information on the latest trends and innovations.
Hosted By : Marketforce
Nashville Music City Center, USA
30-31 Mar, 2020
https://marketforcelive.com/insurance-innovators/events/usa/
Nordics 2020
Insurance Innovators: Nordics 2020 will feature the highest calibre speakers
from incumbents and insurtechs across the Nordic region and beyond. Over
two days and two stages, the agenda is packed with case studies and panel
discussions covering topics such as digital transformation, eco-systems &
platforms, customer experience and the future of insurance. In 2020
‘innovation’ is the name of the game – join us to learn how your firm can
evolve, compete and thrive in the digital age.
København, Denmark
09-10 June, 2020
https://marketforcelive.com/insurance-innovators/events/nordics/
Insurance Innovators Summit
Insurance Innovators Summit is the event where the very best
of the insurance industry comes together from across the
globe for two jam-packed days to challenge the traditional
world of insurance. Keep an eye out on this page for updates
on what we have in store for 2020!
London, UK
18-19 Nov, 2020
https://marketforcelive.com/insurance-innovators/events/summit/
44

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