Datasets:
DylanJHJ
/
FINAL

Dataset card Data Studio Files Community
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101199_15_item7_p38_s0
101199_14_item7_p58_s0
Because of the long-tail nature of liability claims, significant periods of time, ranging up to several years, may elapse between the occurrence of the loss, the reporting of the loss to us and the settlement of the claim.
For many liability claims, significant periods of time, ranging up to several years and for certain construction defect claims more than a decade, may elapse between the occurrence of the loss, the reporting of the loss to us and the settlement or other disposition of the claim.
2
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[]
[ "many", "certain", "construction", "defect", "decade", "disposition" ]
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101199_15_item7_p224_s0
101199_14_item7_p60_s0
Construction defect claims generally relate to allegedly defective work performed in the construction of structures such as apartments, condominiums, single family dwellings or other housing, as well as the sale of defective building materials.
Construction defect is a liability allegation relating to defective work performed in the construction of structures such as commercial buildings, apartments, condominiums, single family dwellings or other housing, as well as the sale of defective building materials.
2
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[ "Construction", "defect", "is", "a", "liability", "allegation", "relating", "to", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "commercial", "buildings", ",", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", "." ]
[]
[ "liability", "allegation", "relating", "commercial", "buildings" ]
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101199_15_item7_p65_s0
101199_14_item7_p72_s0
estimating the cost to complete the remaining work and to pay the contractor s unpaid bills, offset by contract funds due to the contractor, reinsurance, and the value of any collateral to which we may have access.
When surety losses occur, our loss is determined by estimating the cost to complete the remaining work and to pay the contractor's unpaid bills, offset by contract funds due to the contractor, reinsurance, and the value of any collateral to which we may have access.
2
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[]
[ "surety", "losses", "occur", "loss", "determined", "'s" ]
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101199_15_item7_p66_s0
101199_14_item7_p73_s0
In 2013, our claims frequency decreased along with a release of IBNR reserves as a result of actual emergence of paid losses being less than expected.
In 2014, the loss ratio increased as compared to 2013 which experienced a decrease in claim frequency along with a release of IBNR reserves as a result of actual emergence of paid losses being less than expected.
2
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[]
[ "loss", "ratio", "increased", "compared", "experienced", "decrease", "claim" ]
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101199_15_item7_p69_s2
101199_14_item7_p78_s1
Some initiatives that we hope to implement include predictive analytics for the homeowners and automobile lines and data prefill, which is a data accessing methodology that allows for a more complete profile of our customers at the agent s point of sale during the quotation process.
Data prefill is a data accessing methodology that allows for a more complete profile of our customers at the agent's point of sale during the quotation process.
2
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[]
[ "Data", "'s" ]
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101199_15_item7_p3_s0
101199_14_item7_p85_s1
Our principal life insurance products are deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.
life insurance, which includes deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.
2
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[]
[ "includes" ]
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101199_15_item7_p78_s1
101199_14_item7_p86_s1
The increase in net income before income taxes is primarily a result of a decrease in interest on policyholders accounts which is due to an increase in net withdrawals of annuity products and a smaller change in the liability for future policy benefits as a result of a decline in sales of single premium whole life products.
The decrease in net income before income taxes from 2013 to 2014 is primarily a result of a decrease in net investment income and an increase in losses and loss settlement expenses due to an increase in death benefits paid, which were partially offset by a decrease in interest on policyholders' accounts which is due to continued net withdrawals of annuity products and a decline in the increase in liability for future policy benefits as a result of a decline in sales of single premium whole life products.
2
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[]
[ "2013", "investment", "losses", "loss", "settlement", "expenses", "death", "paid", "partially", "offset", "continued" ]
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101199_15_item7_p91_s1
101199_14_item7_p97_s1
However, close management of our available-for-sale portfolio is considered necessary to achieve portfolio objectives and maximize risk-adjusted returns as market conditions change.
However, active management of our available-for-sale portfolio is considered necessary to achieve portfolio objectives and maximize risk-adjusted returns as market conditions change.
2
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[]
[ "active" ]
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101199_16_item7_p98_s1
101199_15_item7_p105_s0
will mature when cash is needed, preventing the need to liquidate other assets prematurely.
With appropriate matching, our investments will mature when cash is needed, preventing the need to liquidate other assets prematurely.
2
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[ "will", "mature", "when", "cash", "is", "needed", ",", "preventing", "the", "need", "to", "liquidate", "other", "assets", "prematurely", "." ]
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[]
[ "appropriate", "matching", "investments" ]
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101199_16_item7_p182_s1
101199_15_item7_p113_s3
Our accounting policy for impairment recognition requires other-than-temporary impairment charges to be recorded when we determine that it is more likely than not that we will be unable to collect all amounts due according to the contractual terms of the fixed maturity security or that the anticipated recovery in fair value of the equity security will not occur in a reasonable amount of time.
Our accounting policy for impairment recognition requires OTTI charges to be recorded when we determine that it is more likely than not that we will be unable to collect all amounts due according to the contractual terms of the fixed maturity security or that the anticipated recovery in fair value of the equity security will not occur in a reasonable amount of time.
2
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[]
[ "OTTI" ]
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101199_16_item7_p109_s1
101199_15_item7_p117_s0
NM=not meaningful Net Investment Income In 2014, our investment income, net of investment expenses, decreased $8.2 million to $104.6 million as compared to 2013, primarily due to a decrease in value of investments that are accounted for under the equity method of accounting and from declining investment yields.
In 2014, our investment income, net of investment expenses, decreased $8.2 million to $104.6 million as compared to 2013, primarily due to a decrease in value of investments that are accounted for under the equity method of accounting and from declining investment yields.
2
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[]
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101199_16_item7_p130_s1
101199_15_item7_p136_s1
The fluctuations may result from perceived changes in the underlying economic characteristics of the issuer of securities, the relative price of alternative investments, general market conditions, and supply and demand imbalances for a particular security.
The fluctuations may result from perceived changes in the underlying economic characteristics of the security issuer, the relative price of alternative investments, general market conditions, and supply/demand factors related to a particular security.
2
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[]
[ "factors", "related" ]
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101199_16_item7_p134_s2
101199_15_item7_p138_s2
We base our investment decisions on the credit characteristics of individual securities; however, we have within our municipal bond portfolio a number of securities whose ratings were enhanced by third-party insurance for the payment of principal and interest in the event of an issuer default.
We do have within our municipal bond holdings a small number of securities whose ratings were enhanced by third-party insurance for the payment of principal and interest in the event of an issuer default.
2
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[]
[ "holdings", "small" ]
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101199_16_item7_p155_s0
101199_15_item7_p156_s0
on our monthly choice of either a base rate or the London Interbank Offered Rate ("LIBOR") plus, in each case, a calculated margin amount.
The interest rate was based on our monthly choice of either a base rate or the LIBOR plus, in each case, a calculated margin amount.
2
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[]
[ "interest", "based" ]
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101199_16_item7_p14_s2
101199_15_item7_p15_s0
NM = not meaningful Consolidated Results of Operations In 2014, the decrease in net income was driven by an increase in losses and loss settlement expenses offset by an increase in property and casualty premium revenue.
In 2014, the decrease in net income was driven by an increase in losses and loss settlement expenses offset by an increase in property and casualty premium revenue.
2
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101199_16_item7_p44_s2
101199_15_item7_p15_s1
The increase in losses and loss settlement expenses is primarily attributable to an increase in catastrophe losses from spring and summer convective storms in regions of the U.S. where we conduct much of our business and an increase in frequency and severity in fire-related losses in our commercial property line of business.
The prior year results included an increase in catastrophe losses from spring and summer storms in regions of the U.S where we conduct much of our business and an increase in frequency and severity in fire-related losses in our commercial property line of business.
2
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[]
[ "prior", "year", "results", "included", "U.S" ]
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101199_16_item7_p56_s0
101199_15_item7_p15_s1
The increase in losses and loss settlement expenses is primarily attributable to an increase in catastrophe losses from spring and summer convective storms in regions of the U.S. where we conduct much of our business and an increase in frequency and severity in fire-related losses in our commercial property line of business.
In 2014, there were elevated catastrophe losses from spring and summer storms in regions of the U.S. where we conduct much of our business and an increase in frequency and severity in fire-related losses in our commercial property line of business.
2
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[ "The", "increase", "in", "losses", "and", "loss", "settlement", "expenses", "is", "primarily", "attributable", "to", "an", "increase", "in", "catastrophe", "losses", "from", "spring", "and", "summer", "convective", "storms", "in", "regions", "of", "the", "U.S.", "where", "we", "conduct", "much", "of", "our", "business", "and", "an", "increase", "in", "frequency", "and", "severity", "in", "fire", "-", "related", "losses", "in", "our", "commercial", "property", "line", "of", "business", "." ]
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[]
[ "2014", "elevated" ]
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101199_16_item7_p14_s5
101199_15_item7_p15_s5
This increase represents organic growth and is the result of a combination of rate increases across most commercial and personal lines and new business writings.
The increase in property and casualty premium revenue represents organic growth and is the result of a combination of rate increases across most commercial and personal lines and, to a lesser extent, new business writings.
2
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[]
[ "property", "casualty", "premium", "revenue", "lesser", "extent" ]
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101199_16_item7_p160_s0
101199_15_item7_p162_s0
beneficiary to receive the benefit under the policy.
Policies must remain in force for the policyholder or beneficiary to receive the benefit under the policy.
2
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[ "beneficiary", "to", "receive", "the", "benefit", "under", "the", "policy", "." ]
[ "Policies", "must", "remain", "in", "force", "for", "the", "policyholder", "or", "beneficiary", "to", "receive", "the", "benefit", "under", "the", "policy", "." ]
[]
[ "Policies", "must", "remain", "force", "policyholder" ]
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101199_16_item7_p164_s2
101199_15_item7_p165_s2
Contributions in 2015 , and in future years, are expected to be at least equal to the IRS minimum required contribution in accordance with the Act.
Contributions in 2016 , and in future years, are expected to be at least equal to the IRS minimum required contribution in accordance with the Act.
2
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[]
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101199_16_item7_p110_s0
101199_15_item7_p170_s3
Other long-term investments consist primarily of our interests in limited liability partnerships that are recorded on the equity method of accounting.
(1) Represents the change in value of our interests in limited liability partnerships that are recorded on the equity method of accounting.
2
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[]
[ "1", "Represents", "change", "value" ]
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101199_16_item7_p106_s3
101199_15_item7_p183_s1
Our accounting policy for impairment recognition requires OTTI charges to be recorded when we determine that it is more likely than not that we will be unable to collect all amounts due according to the contractual terms of the fixed maturity security or that the anticipated recovery in fair value of the equity security will not occur in a reasonable amount of time.
Our accounting policy for impairment recognition requires other-than-temporary impairment charges to be recorded when we determine that it is more likely than not that we will be unable to collect all amounts due according to the contractual terms of the fixed maturity security or that the anticipated recovery in fair value of the equity security will not occur in a reasonable amount of time.
2
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[]
[ "temporary" ]
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101199_16_item7_p195_s2
101199_15_item7_p195_s0
reasonably likely to have a significant impact on the rate of DAC amortization each year.
Of these factors, we anticipate that assumptions for claims, investment returns, expenses and persistency are reasonably likely to have a significant impact on the rate of DAC amortization each year.
2
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[ "reasonably", "likely", "to", "have", "a", "significant", "impact", "on", "the", "rate", "of", "DAC", "amortization", "each", "year", "." ]
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[]
[ "factors", "anticipate", "assumptions", "claims", "investment", "returns", "expenses", "persistency" ]
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101199_16_item7_p34_s0
101199_15_item7_p206_s0
For many long-tail liability claims, significant periods of time, ranging up to several years, may elapse between the occurrence of the loss, the reporting of the loss to us and the settlement of the claim.
For many liability claims, significant periods of time, ranging up to several years, and for certain construction defect claims, more than a decade, may elapse between the occurrence of the loss, the reporting of the loss to us and the settlement or other disposition of the claim.
2
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[ "For", "many", "long", "-", "tail", "liability", "claims", ",", "significant", "periods", "of", "time", ",", "ranging", "up", "to", "several", "years", ",", "may", "elapse", "between", "the", "occurrence", "of", "the", "loss", ",", "the", "reporting", "of", "the", "loss", "to", "us", "and", "the", "settlement", "of", "the", "claim", "." ]
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[]
[ "certain", "construction", "defect", "decade", "disposition" ]
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101199_16_item7_p207_s0
101199_15_item7_p208_s0
On a quarterly basis, United Fire's internal actuary performs a detailed analysis of IBNR reserves.
On a quarterly basis, the Company's internal actuary performs a detailed analysis of IBNR reserves.
2
[ "<tag1>", "On", "a", "quarterly", "basis", ",", "United", "Fire", "'s", "internal", "actuary", "performs", "a", "detailed", "analysis", "of", "IBNR", "reserves", ".", "<tag2>", "On", "a", "quarterly", "basis", ",", "the", "Company", "'s", "internal", "actuary", "performs", "a", "detailed", "analysis", "of", "IBNR", "reserves", ".", "<tag3>" ]
[ "On", "a", "quarterly", "basis", ",", "United", "Fire", "'s", "internal", "actuary", "performs", "a", "detailed", "analysis", "of", "IBNR", "reserves", "." ]
[ "On", "a", "quarterly", "basis", ",", "the", "Company", "'s", "internal", "actuary", "performs", "a", "detailed", "analysis", "of", "IBNR", "reserves", "." ]
[]
[ "Company" ]
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101199_16_item7_p240_s0
101199_15_item7_p208_s2
The loss projection methods include paid loss development; reported loss development; expected loss emergence based on paid losses; and expected loss emergence based on reported losses.
The four methods utilized by Regnier to project losses are: paid loss development; reported loss development; expected loss emergence based on paid losses; and expected loss emergence based on reported losses.
2
[ "<tag1>", "The", "loss", "projection", "methods", "include", "paid", "loss", "development", ";", "reported", "loss", "development", ";", "expected", "loss", "emergence", "based", "on", "paid", "losses", ";", "and", "expected", "loss", "emergence", "based", "on", "reported", "losses", ".", "<tag2>", "The", "four", "methods", "utilized", "by", "Regnier", "to", "project", "losses", "are", ":", "paid", "loss", "development", ";", "reported", "loss", "development", ";", "expected", "loss", "emergence", "based", "on", "paid", "losses", ";", "and", "expected", "loss", "emergence", "based", "on", "reported", "losses", ".", "<tag3>" ]
[ "The", "loss", "projection", "methods", "include", "paid", "loss", "development", ";", "reported", "loss", "development", ";", "expected", "loss", "emergence", "based", "on", "paid", "losses", ";", "and", "expected", "loss", "emergence", "based", "on", "reported", "losses", "." ]
[ "The", "four", "methods", "utilized", "by", "Regnier", "to", "project", "losses", "are", ":", "paid", "loss", "development", ";", "reported", "loss", "development", ";", "expected", "loss", "emergence", "based", "on", "paid", "losses", ";", "and", "expected", "loss", "emergence", "based", "on", "reported", "losses", "." ]
[]
[ "four", "utilized", "Regnier", "project" ]
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101199_16_item7_p48_s0
101199_15_item7_p224_s0
Construction defect is a liability allegation relating to defective work performed in the construction of structures such as commercial buildings, apartments, condominiums, single family dwellings or other housing, as well as the sale of defective building materials.
Construction defect claims generally relate to allegedly defective work performed in the construction of structures such as apartments, condominiums, single family dwellings or other housing, as well as the sale of defective building materials.
2
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[ "Construction", "defect", "is", "a", "liability", "allegation", "relating", "to", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "commercial", "buildings", ",", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", "." ]
[ "Construction", "defect", "claims", "generally", "relate", "to", "allegedly", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", "." ]
[]
[ "claims", "generally", "relate", "allegedly" ]
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101199_16_item7_p229_s1
101199_15_item7_p230_s0
particularly sensitive to assumptions about medical cost inflation, which has been steadily increasing over the past few years.
Estimates for workers' compensation are particularly sensitive to assumptions about medical cost inflation, which has been steadily increasing over the past few years.
2
[ "<tag1>", "particularly", "sensitive", "to", "assumptions", "about", "medical", "cost", "inflation", ",", "which", "has", "been", "steadily", "increasing", "over", "the", "past", "few", "years", ".", "<tag2>", "Estimates", "for", "workers", "'", "compensation", "are", "particularly", "sensitive", "to", "assumptions", "about", "medical", "cost", "inflation", ",", "which", "has", "been", "steadily", "increasing", "over", "the", "past", "few", "years", ".", "<tag3>" ]
[ "particularly", "sensitive", "to", "assumptions", "about", "medical", "cost", "inflation", ",", "which", "has", "been", "steadily", "increasing", "over", "the", "past", "few", "years", "." ]
[ "Estimates", "for", "workers", "'", "compensation", "are", "particularly", "sensitive", "to", "assumptions", "about", "medical", "cost", "inflation", ",", "which", "has", "been", "steadily", "increasing", "over", "the", "past", "few", "years", "." ]
[]
[ "Estimates", "workers", "compensation" ]
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101199_16_item7_p235_s1
101199_15_item7_p235_s0
("Regnier") as our independent actuarial firm for the property and casualty insurance segment.
During 2015 and 2014 , we engaged the services of Regnier Consulting Group, Inc. ("Regnier") as our independent actuarial firm for the property and casualty insurance segment.
2
[ "<tag1>", "(", "\"", "Regnier", "\"", ")", "as", "our", "independent", "actuarial", "firm", "for", "the", "property", "and", "casualty", "insurance", "segment", ".", "<tag2>", "During", "2015", "and", "2014", ",", "we", "engaged", "the", "services", "of", "Regnier", "Consulting", "Group", ",", "Inc.", "(", "\"", "Regnier", "\"", ")", "as", "our", "independent", "actuarial", "firm", "for", "the", "property", "and", "casualty", "insurance", "segment", ".", "<tag3>" ]
[ "(", "\"", "Regnier", "\"", ")", "as", "our", "independent", "actuarial", "firm", "for", "the", "property", "and", "casualty", "insurance", "segment", "." ]
[ "During", "2015", "and", "2014", ",", "we", "engaged", "the", "services", "of", "Regnier", "Consulting", "Group", ",", "Inc.", "(", "\"", "Regnier", "\"", ")", "as", "our", "independent", "actuarial", "firm", "for", "the", "property", "and", "casualty", "insurance", "segment", "." ]
[]
[ "2015", "2014", "engaged", "services", "Consulting", "Group", "Inc." ]
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101199_16_item7_p235_s2
101199_15_item7_p235_s1
We anticipate that this engagement will continue in 2015 .
We anticipate that this engagement will continue in 2016 .
2
[ "<tag1>", "We", "anticipate", "that", "this", "engagement", "will", "continue", "in", "2015", ".", "<tag2>", "We", "anticipate", "that", "this", "engagement", "will", "continue", "in", "2016", ".", "<tag3>" ]
[ "We", "anticipate", "that", "this", "engagement", "will", "continue", "in", "2015", "." ]
[ "We", "anticipate", "that", "this", "engagement", "will", "continue", "in", "2016", "." ]
[]
[]
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101199_16_item7_p252_s1
101199_15_item7_p235_s1
We anticipate that this engagement will continue in 2015 .
We anticipate that this engagement will continue in 2016 .
2
[ "<tag1>", "We", "anticipate", "that", "this", "engagement", "will", "continue", "in", "2015", ".", "<tag2>", "We", "anticipate", "that", "this", "engagement", "will", "continue", "in", "2016", ".", "<tag3>" ]
[ "We", "anticipate", "that", "this", "engagement", "will", "continue", "in", "2015", "." ]
[ "We", "anticipate", "that", "this", "engagement", "will", "continue", "in", "2016", "." ]
[]
[]
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101199_16_item7_p207_s2
101199_15_item7_p240_s0
The four methods utilized by Regnier to project losses are: paid loss development; reported loss development; expected loss emergence based on paid losses; and expected loss emergence based on reported losses.
The loss projection methods include paid loss development; reported loss development; expected loss emergence based on paid losses; and expected loss emergence based on reported losses.
2
[ "<tag1>", "The", "four", "methods", "utilized", "by", "Regnier", "to", "project", "losses", "are", ":", "paid", "loss", "development", ";", "reported", "loss", "development", ";", "expected", "loss", "emergence", "based", "on", "paid", "losses", ";", "and", "expected", "loss", "emergence", "based", "on", "reported", "losses", ".", "<tag2>", "The", "loss", "projection", "methods", "include", "paid", "loss", "development", ";", "reported", "loss", "development", ";", "expected", "loss", "emergence", "based", "on", "paid", "losses", ";", "and", "expected", "loss", "emergence", "based", "on", "reported", "losses", ".", "<tag3>" ]
[ "The", "four", "methods", "utilized", "by", "Regnier", "to", "project", "losses", "are", ":", "paid", "loss", "development", ";", "reported", "loss", "development", ";", "expected", "loss", "emergence", "based", "on", "paid", "losses", ";", "and", "expected", "loss", "emergence", "based", "on", "reported", "losses", "." ]
[ "The", "loss", "projection", "methods", "include", "paid", "loss", "development", ";", "reported", "loss", "development", ";", "expected", "loss", "emergence", "based", "on", "paid", "losses", ";", "and", "expected", "loss", "emergence", "based", "on", "reported", "losses", "." ]
[]
[ "projection", "include" ]
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101199_16_item7_p235_s2
101199_15_item7_p253_s1
We anticipate that this engagement will continue in 2015 .
We anticipate that this engagement will continue in 2016 .
2
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[]
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101199_16_item7_p252_s1
101199_15_item7_p253_s1
We anticipate that this engagement will continue in 2015 .
We anticipate that this engagement will continue in 2016 .
2
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[]
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101199_16_item7_p253_s3
101199_15_item7_p256_s0
We engage an independent actuarial firm to assist in evaluating and establishing assumptions used in the valuation of our benefit obligations.
We engage a consulting actuary from Principal Financial Group, an independent firm, to assist in evaluating and establishing assumptions used in the valuation of our benefit obligations.
2
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[]
[ "consulting", "actuary", "Principal", "Financial", "Group" ]
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101199_16_item7_p254_s0
101199_15_item7_p256_s5
A 100 basis point decrease in our estimated long-term rate of return on pension plan assets would increase the benefit expense for the year ended December 31, 2014 , by $1.0 million , while a 100 basis point increase in the rate would decrease benefit expense by $1.0 million , for the same period.
For the postretirement benefit plan, an increase in our estimated medical trend rate would increase the benefit expense for the year ended December 31, 2015 , by $1.6 million , while a 100 basis point decrease in the rate would decrease benefit expense by $1.2 million , for the same period.
2
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[]
[ "postretirement", "medical", "trend", "1.6", "1.2" ]
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101199_16_item7_p253_s8
101199_15_item7_p256_s6
For the postretirement benefit plan, an increase in our estimated medical trend rate would increase the benefit expense for the year ended December 31, 2014 , by $2.0 million , while a 100 basis point decrease in the rate would decrease benefit expense by $1.5 million , for the same period.
A 100 basis point decrease in our estimated long-term rate of return on pension plan assets would increase the benefit expense for the year ended December 31, 2015 , by $1.1 million , while a 100 basis point increase in the rate would decrease benefit expense by $1.1 million , for the same period.
2
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[]
[ "long", "term", "return", "pension", "assets", "1.1", "1.1" ]
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101199_16_item7_p259_s0
101199_15_item7_p258_s2
The adoption of the new guidance had no impact on the Company's financial position or results of operations.
impact on the Company's financial position or results of operations.
2
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[]
[]
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101199_16_item7_p260_s4
101199_15_item7_p258_s2
The adoption of the new guidance had no impact on the Company's financial position or results of operations.
Management currently does not expect the adoption of the new guidance to have an impact on the Company's financial position or results of operations.
2
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[]
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101199_16_item7_p261_s4
101199_15_item7_p258_s2
The adoption of the new guidance had no impact on the Company's financial position or results of operations.
Management currently does not expect the adoption of the new guidance to have an impact on the Company's financial position or results of operations.
2
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[]
[ "Management", "currently", "expect" ]
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101199_16_item7_p262_s4
101199_15_item7_p258_s2
The adoption of the new guidance had no impact on the Company's financial position or results of operations.
Management currently does not expect the adoption of the new guidance to have an impact on the Company's financial position or results of operations.
2
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[]
[ "Management", "currently", "expect" ]
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101199_16_item7_p263_s5
101199_15_item7_p258_s2
The adoption of the new guidance had no impact on the Company's financial position or results of operations.
Management currently does not expect the adoption of the new guidance to have a material impact on the Company's financial position or results of operations.
2
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[]
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101199_16_item7_p257_s4
101199_15_item7_p259_s4
Management currently does not expect the adoption of the new guidance to have an impact on the Company's financial position or results of operations.
The adoption of the new guidance will change disclosures regarding short duration contracts, but management currently does not expect the adoption of the new guidance to have an impact on the Company's financial position or results of operations.
2
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[]
[ "change", "disclosures", "regarding", "short", "duration", "contracts", "management" ]
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101199_16_item7_p14_s5
101199_15_item7_p25_s5
Direct Premiums Written Direct premiums written increased $84.0 million in 2014 as compared to 2013 due to organic growth and is the result of a combination of rate increases across most commercial and personal lines and, to a lesser extent, new business writings.
The increase in property and casualty premium revenue represents organic growth and is the result of a combination of rate increases across most commercial and personal lines and, to a lesser extent, new business writings.
2
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[]
[ "increase", "property", "casualty", "premium", "revenue", "represents" ]
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101199_16_item7_p255_s7
101199_15_item7_p260_s2
The guidance is effective for interim and annual periods beginning after December 15, 2014.
It is effective for annual periods beginning after December 15, 2014.
2
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[ "The", "guidance", "is", "effective", "for", "interim", "and", "annual", "periods", "beginning", "after", "December", "15", ",", "2014", "." ]
[ "It", "is", "effective", "for", "annual", "periods", "beginning", "after", "December", "15", ",", "2014", "." ]
[]
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101199_16_item7_p257_s4
101199_15_item7_p260_s4
Management currently does not expect the adoption of the new guidance to have an impact on the Company's financial position or results of operations.
The adoption of the new guidance will change disclosures regarding short duration contracts, but management currently does not expect the adoption of the new guidance to have an impact on the Company's financial position or results of operations.
2
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[]
[ "change", "disclosures", "regarding", "short", "duration", "contracts", "management" ]
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101199_16_item7_p255_s2
101199_15_item7_p264_s2
It is effective for annual periods beginning after December 15, 2014.
The guidance is effective for interim and annual periods beginning after December 15, 2014.
2
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[ "The", "guidance", "is", "effective", "for", "interim", "and", "annual", "periods", "beginning", "after", "December", "15", ",", "2014", "." ]
[]
[ "guidance", "interim" ]
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101199_16_item7_p257_s4
101199_15_item7_p264_s4
Management currently does not expect the adoption of the new guidance to have an impact on the Company's financial position or results of operations.
The adoption of the new guidance will change disclosures regarding short duration contracts, but management currently does not expect the adoption of the new guidance to have an impact on the Company's financial position or results of operations.
2
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[]
[ "change", "disclosures", "regarding", "short", "duration", "contracts", "management" ]
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101199_16_item7_p27_s0
101199_15_item7_p30_s3
The increase in catastrophe losses in 2014 is primarily due to spring and summer convective storms in regions of the U.S. where we conduct much of our business.
convective storms in regions of the U.S. where we conduct much of our business.
2
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[ "convective", "storms", "in", "regions", "of", "the", "U.S.", "where", "we", "conduct", "much", "of", "our", "business", "." ]
[]
[]
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101199_16_item7_p205_s0
101199_15_item7_p38_s0
For many liability claims, significant periods of time, ranging up to several years and for certain construction defect claims more than a decade, may elapse between the occurrence of the loss, the reporting of the loss to us and the settlement or other disposition of the claim.
For many long-tail liability claims, significant periods of time, ranging up to several years, may elapse between the occurrence of the loss, the reporting of the loss to us and the settlement of the claim.
2
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[]
[ "long", "tail" ]
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101199_16_item7_p71_s1
101199_15_item7_p3_s0
life insurance, which includes deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.
Our principal life insurance products are deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.
2
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[]
[ "principal" ]
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101199_16_item7_p41_s1
101199_15_item7_p44_s1
The majority of this favorable development is related to our long-tail lines of commercial business including other liability, workers' compensation and auto liability.
The favorable reserve development on prior year reserves was primarily related to our long-tail lines of commercial business including other liability, workers' compensation and auto liability.
2
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[]
[ "reserve", "prior", "year", "reserves", "primarily" ]
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101199_16_item7_p44_s2
101199_15_item7_p47_s1
The deterioration in 2014 as compared to 2013 was primarily the result of an increase in catastrophe losses from spring and summer storms in regions of the U.S where we conduct much of our business and an increase in frequency and severity in fire-related losses in our commercial property line of business partially offset by an improvement in the loss ratio for workers' compensation and commercial automobile.
The prior year results included an increase in catastrophe losses from spring and summer storms in regions of the U.S where we conduct much of our business and an increase in frequency and severity in fire-related losses in our commercial property line of business.
2
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[ "The", "deterioration", "in", "2014", "as", "compared", "to", "2013", "was", "primarily", "the", "result", "of", "an", "increase", "in", "catastrophe", "losses", "from", "spring", "and", "summer", "storms", "in", "regions", "of", "the", "U.S", "where", "we", "conduct", "much", "of", "our", "business", "and", "an", "increase", "in", "frequency", "and", "severity", "in", "fire", "-", "related", "losses", "in", "our", "commercial", "property", "line", "of", "business", "partially", "offset", "by", "an", "improvement", "in", "the", "loss", "ratio", "for", "workers", "'", "compensation", "and", "commercial", "automobile", "." ]
[ "The", "prior", "year", "results", "included", "an", "increase", "in", "catastrophe", "losses", "from", "spring", "and", "summer", "storms", "in", "regions", "of", "the", "U.S", "where", "we", "conduct", "much", "of", "our", "business", "and", "an", "increase", "in", "frequency", "and", "severity", "in", "fire", "-", "related", "losses", "in", "our", "commercial", "property", "line", "of", "business", "." ]
[]
[ "prior", "year", "results", "included" ]
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101199_16_item7_p56_s0
101199_15_item7_p47_s1
The deterioration in 2014 as compared to 2013 was primarily the result of an increase in catastrophe losses from spring and summer storms in regions of the U.S where we conduct much of our business and an increase in frequency and severity in fire-related losses in our commercial property line of business partially offset by an improvement in the loss ratio for workers' compensation and commercial automobile.
In 2014, there were elevated catastrophe losses from spring and summer storms in regions of the U.S. where we conduct much of our business and an increase in frequency and severity in fire-related losses in our commercial property line of business.
2
[ "<tag1>", "The", "deterioration", "in", "2014", "as", "compared", "to", "2013", "was", "primarily", "the", "result", "of", "an", "increase", "in", "catastrophe", "losses", "from", "spring", "and", "summer", "storms", "in", "regions", "of", "the", "U.S", "where", "we", "conduct", "much", "of", "our", "business", "and", "an", "increase", "in", "frequency", "and", "severity", "in", "fire", "-", "related", "losses", "in", "our", "commercial", "property", "line", "of", "business", "partially", "offset", "by", "an", "improvement", "in", "the", "loss", "ratio", "for", "workers", "'", "compensation", "and", "commercial", "automobile", ".", "<tag2>", "In", "2014", ",", "there", "were", "elevated", "catastrophe", "losses", "from", "spring", "and", "summer", "storms", "in", "regions", "of", "the", "U.S.", "where", "we", "conduct", "much", "of", "our", "business", "and", "an", "increase", "in", "frequency", "and", "severity", "in", "fire", "-", "related", "losses", "in", "our", "commercial", "property", "line", "of", "business", ".", "<tag3>" ]
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[]
[ "elevated", "U.S." ]
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101199_16_item7_p34_s0
101199_15_item7_p49_s0
Because of the long-tail nature of liability claims, significant periods of time, ranging up to several years, may elapse between the occurrence of the loss, the reporting of the loss to us and the settlement of the claim.
For many liability claims, significant periods of time, ranging up to several years, and for certain construction defect claims, more than a decade, may elapse between the occurrence of the loss, the reporting of the loss to us and the settlement or other disposition of the claim.
2
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[ "For", "many", "liability", "claims", ",", "significant", "periods", "of", "time", ",", "ranging", "up", "to", "several", "years", ",", "and", "for", "certain", "construction", "defect", "claims", ",", "more", "than", "a", "decade", ",", "may", "elapse", "between", "the", "occurrence", "of", "the", "loss", ",", "the", "reporting", "of", "the", "loss", "to", "us", "and", "the", "settlement", "or", "other", "disposition", "of", "the", "claim", "." ]
[]
[ "many", "certain", "construction", "defect", "decade", "disposition" ]
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101199_16_item7_p44_s2
101199_15_item7_p59_s0
The deterioration in the net loss ratio in 2014 as compared to 2013 was due to an increase in catastrophe losses from spring and summer storms in regions of the U.S where we conduct much of our business and an increase in frequency and severity in fire-related losses in our commercial property line of business.
The prior year results included an increase in catastrophe losses from spring and summer storms in regions of the U.S where we conduct much of our business and an increase in frequency and severity in fire-related losses in our commercial property line of business.
2
[ "<tag1>", "The", "deterioration", "in", "the", "net", "loss", "ratio", "in", "2014", "as", "compared", "to", "2013", "was", "due", "to", "an", "increase", "in", "catastrophe", "losses", "from", "spring", "and", "summer", "storms", "in", "regions", "of", "the", "U.S", "where", "we", "conduct", "much", "of", "our", "business", "and", "an", "increase", "in", "frequency", "and", "severity", "in", "fire", "-", "related", "losses", "in", "our", "commercial", "property", "line", "of", "business", ".", "<tag2>", "The", "prior", "year", "results", "included", "an", "increase", "in", "catastrophe", "losses", "from", "spring", "and", "summer", "storms", "in", "regions", "of", "the", "U.S", "where", "we", "conduct", "much", "of", "our", "business", "and", "an", "increase", "in", "frequency", "and", "severity", "in", "fire", "-", "related", "losses", "in", "our", "commercial", "property", "line", "of", "business", ".", "<tag3>" ]
[ "The", "deterioration", "in", "the", "net", "loss", "ratio", "in", "2014", "as", "compared", "to", "2013", "was", "due", "to", "an", "increase", "in", "catastrophe", "losses", "from", "spring", "and", "summer", "storms", "in", "regions", "of", "the", "U.S", "where", "we", "conduct", "much", "of", "our", "business", "and", "an", "increase", "in", "frequency", "and", "severity", "in", "fire", "-", "related", "losses", "in", "our", "commercial", "property", "line", "of", "business", "." ]
[ "The", "prior", "year", "results", "included", "an", "increase", "in", "catastrophe", "losses", "from", "spring", "and", "summer", "storms", "in", "regions", "of", "the", "U.S", "where", "we", "conduct", "much", "of", "our", "business", "and", "an", "increase", "in", "frequency", "and", "severity", "in", "fire", "-", "related", "losses", "in", "our", "commercial", "property", "line", "of", "business", "." ]
[]
[ "prior", "year", "results", "included" ]
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101199_16_item7_p56_s0
101199_15_item7_p59_s0
The deterioration in the net loss ratio in 2014 as compared to 2013 was due to an increase in catastrophe losses from spring and summer storms in regions of the U.S where we conduct much of our business and an increase in frequency and severity in fire-related losses in our commercial property line of business.
In 2014, there were elevated catastrophe losses from spring and summer storms in regions of the U.S. where we conduct much of our business and an increase in frequency and severity in fire-related losses in our commercial property line of business.
2
[ "<tag1>", "The", "deterioration", "in", "the", "net", "loss", "ratio", "in", "2014", "as", "compared", "to", "2013", "was", "due", "to", "an", "increase", "in", "catastrophe", "losses", "from", "spring", "and", "summer", "storms", "in", "regions", "of", "the", "U.S", "where", "we", "conduct", "much", "of", "our", "business", "and", "an", "increase", "in", "frequency", "and", "severity", "in", "fire", "-", "related", "losses", "in", "our", "commercial", "property", "line", "of", "business", ".", "<tag2>", "In", "2014", ",", "there", "were", "elevated", "catastrophe", "losses", "from", "spring", "and", "summer", "storms", "in", "regions", "of", "the", "U.S.", "where", "we", "conduct", "much", "of", "our", "business", "and", "an", "increase", "in", "frequency", "and", "severity", "in", "fire", "-", "related", "losses", "in", "our", "commercial", "property", "line", "of", "business", ".", "<tag3>" ]
[ "The", "deterioration", "in", "the", "net", "loss", "ratio", "in", "2014", "as", "compared", "to", "2013", "was", "due", "to", "an", "increase", "in", "catastrophe", "losses", "from", "spring", "and", "summer", "storms", "in", "regions", "of", "the", "U.S", "where", "we", "conduct", "much", "of", "our", "business", "and", "an", "increase", "in", "frequency", "and", "severity", "in", "fire", "-", "related", "losses", "in", "our", "commercial", "property", "line", "of", "business", "." ]
[ "In", "2014", ",", "there", "were", "elevated", "catastrophe", "losses", "from", "spring", "and", "summer", "storms", "in", "regions", "of", "the", "U.S.", "where", "we", "conduct", "much", "of", "our", "business", "and", "an", "increase", "in", "frequency", "and", "severity", "in", "fire", "-", "related", "losses", "in", "our", "commercial", "property", "line", "of", "business", "." ]
[]
[ "elevated", "U.S." ]
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101199_16_item7_p65_s1
101199_15_item7_p69_s1
We have also implemented predicative analytics and data prefill for our personal automobile line.
We have also implemented predictive analytics and data prefill for our personal automobile line.
2
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[ "We", "have", "also", "implemented", "predicative", "analytics", "and", "data", "prefill", "for", "our", "personal", "automobile", "line", "." ]
[ "We", "have", "also", "implemented", "predictive", "analytics", "and", "data", "prefill", "for", "our", "personal", "automobile", "line", "." ]
[]
[ "predictive" ]
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101199_16_item7_p71_s0
101199_15_item7_p77_s0
United Life Insurance Company underwrites all of our life insurance business.
NM =Not meaningful United Life Insurance Company underwrites all of our life insurance business.
2
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[ "United", "Life", "Insurance", "Company", "underwrites", "all", "of", "our", "life", "insurance", "business", "." ]
[ "NM", "=", "Not", "meaningful", "United", "Life", "Insurance", "Company", "underwrites", "all", "of", "our", "life", "insurance", "business", "." ]
[]
[ "NM", "meaningful" ]
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101199_16_item7_p3_s0
101199_15_item7_p77_s1
Our principal life insurance products are deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.
life insurance, which includes deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.
2
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[]
[ "includes" ]
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101199_16_item7_p72_s1
101199_15_item7_p78_s1
The decrease in net income before income taxes from 2013 to 2014 is primarily a result of a decrease in net investment income and an increase in losses and loss settlement expenses due to an increase in death benefits paid, which were partially offset by a decrease in interest on policyholders' accounts which is due to continued net withdrawals of annuity products and a decline in the increase in liability for future policy benefits as a result of a decline in sales of single premium whole life products.
The decrease in net income before income taxes from 2014 to 2015 was primarily a result of a decrease in net investment income, an increase in losses and loss settlement expenses and an increase in the increase in liability for future policy benefits, all partially offset by an increase in net premiums earned from higher sales of single premium whole life policies ("SPWL") and a decrease in interest on policyholders' accounts due to a decline in the crediting rate paid on continued net withdrawals of annuity products.
2
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[]
[ "2015", "premiums", "earned", "higher", "policies", "SPWL", "crediting", "rate" ]
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101199_17_item7_p163_s2
101199_16_item7_p106_s3
Our accounting policy for impairment recognition requires other-than-temporary impairment charges to be recorded when we determine that it is more likely than not that we will be unable to collect all amounts due according to the contractual terms of the fixed maturity security or that the anticipated recovery in fair value of the equity security will not occur in a reasonable amount of time.
Our accounting policy for impairment recognition requires OTTI charges to be recorded when we determine that it is more likely than not that we will be unable to collect all amounts due according to the contractual terms of the fixed maturity security or that the anticipated recovery in fair value of the equity security will not occur in a reasonable amount of time.
2
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[]
[ "OTTI" ]
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101199_17_item7_p109_s1
101199_16_item7_p109_s0
NM=not meaningful Net Investment Income In 2015, our investment income, net of investment expenses, decreased $3.8 million to $100.8 million as compared to 2014, primarily due the decline in invested assets and decline in reinvestment interest rates from the low interest rate environment.
In 2015, our investment income, net of investment expenses, decreased $3.8 million to $100.8 million as compared to 2014, primarily due the decline in invested assets and decline in reinvestment interest rates from the low interest rate environment.
2
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[]
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101199_17_item7_p161_s3
101199_16_item7_p110_s0
(1) Represents the change in value of our interests in limited liability partnerships that are recorded on the equity method of accounting.
Other long-term investments consist primarily of our interests in limited liability partnerships that are recorded on the equity method of accounting.
2
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[]
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101199_17_item7_p114_s1
101199_16_item7_p114_s1
The decrease in unrealized gains in 2015 is the result of a decrease in the fair value of the fixed maturity portfolio due to an increase in interest rates and the decrease in the equity portfolio due to a decline in the financial markets.
The increase in unrealized gains in 2016 is the result of an increase in the fair value of the equity securities portfolio due to an increase in the financial markets, partially offset by a decline in the fair value of the fixed maturity portfolio due to an increase in interest rates.
2
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[]
[ "securities", "partially", "offset" ]
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101199_17_item7_p14_s3
101199_16_item7_p14_s0
NM = not meaningful Consolidated Results of Operations In 2015, the increase in net income was driven by a 12.4 percent increase in net premiums earned, which was the result of organic growth from new business and rate increases in the property and casualty segment.
In 2015, the increase in net income was driven by a 12.4 percent increase in net premiums earned, which was the result of organic growth from new business and rate increases in the property and casualty segment.
2
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101199_17_item7_p43_s3
101199_16_item7_p14_s3
The increase in losses and loss settlement expenses is primarily attributable to an increase in catastrophe losses from spring and summer convective storms in regions of the U.S. where we conduct much of our business and an increase in frequency and severity in fire-related losses in our commercial property line of business.
The prior year results included an increase in catastrophe losses from spring and summer storms in regions of the U.S where we conduct much of our business and an increase in frequency and severity in fire-related losses in our commercial fire allied line of business.
2
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[]
[ "prior", "year", "results", "included", "U.S", "allied" ]
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101199_17_item7_p55_s0
101199_16_item7_p14_s3
The increase in losses and loss settlement expenses is primarily attributable to an increase in catastrophe losses from spring and summer convective storms in regions of the U.S. where we conduct much of our business and an increase in frequency and severity in fire-related losses in our commercial property line of business.
In 2014, there were elevated catastrophe losses from spring and summer storms in regions of the U.S. where we conduct much of our business and an increase in frequency and severity in fire-related losses in our commercial property line of business.
2
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[]
[ "2014", "elevated" ]
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101199_17_item7_p15_s3
101199_16_item7_p15_s3
(2) The GAAP expense ratio is calculated by dividing nondeferred underwriting expenses and amortization of deferred policy acquisition costs by net premiums earned.
(2) The expense ratio is calculated by dividing nondeferred underwriting expenses and amortization of deferred policy acquisition costs by net premiums earned.
2
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[]
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101199_17_item7_p106_s4
101199_16_item7_p182_s1
Our accounting policy for impairment recognition requires OTTI charges to be recorded when we determine that it is more likely than not that we will be unable to collect all amounts due according to the contractual terms of the fixed maturity security or that the anticipated recovery in fair value of the equity security will not occur in a reasonable amount of time.
Our accounting policy for impairment recognition requires other-than-temporary impairment charges to be recorded when we determine that it is more likely than not that we will be unable to collect all amounts due according to the contractual terms of the fixed maturity security or that the anticipated recovery in fair value of the equity security will not occur in a reasonable amount of time.
2
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[]
[ "temporary" ]
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101199_17_item7_p34_s0
101199_16_item7_p205_s0
For many long-tail liability claims, significant periods of time, ranging up to several years, may elapse between the occurrence of the loss, the reporting of the loss to us and the settlement of the claim.
For many liability claims, significant periods of time, ranging up to several years, and for certain construction defect claims, more than a decade, may elapse between the occurrence of the loss, the reporting of the loss to us and the settlement or other disposition of the claim.
2
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[]
[ "certain", "construction", "defect", "decade", "disposition" ]
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101199_17_item7_p219_s0
101199_16_item7_p207_s2
The loss projection methods include paid loss development; reported loss development; expected loss emergence based on paid losses; and expected loss emergence based on reported losses.
The four methods utilized by Regnier to project losses are: paid loss development; reported loss development; expected loss emergence based on paid losses; and expected loss emergence based on reported losses.
2
[ "<tag1>", "The", "loss", "projection", "methods", "include", "paid", "loss", "development", ";", "reported", "loss", "development", ";", "expected", "loss", "emergence", "based", "on", "paid", "losses", ";", "and", "expected", "loss", "emergence", "based", "on", "reported", "losses", ".", "<tag2>", "The", "four", "methods", "utilized", "by", "Regnier", "to", "project", "losses", "are", ":", "paid", "loss", "development", ";", "reported", "loss", "development", ";", "expected", "loss", "emergence", "based", "on", "paid", "losses", ";", "and", "expected", "loss", "emergence", "based", "on", "reported", "losses", ".", "<tag3>" ]
[ "The", "loss", "projection", "methods", "include", "paid", "loss", "development", ";", "reported", "loss", "development", ";", "expected", "loss", "emergence", "based", "on", "paid", "losses", ";", "and", "expected", "loss", "emergence", "based", "on", "reported", "losses", "." ]
[ "The", "four", "methods", "utilized", "by", "Regnier", "to", "project", "losses", "are", ":", "paid", "loss", "development", ";", "reported", "loss", "development", ";", "expected", "loss", "emergence", "based", "on", "paid", "losses", ";", "and", "expected", "loss", "emergence", "based", "on", "reported", "losses", "." ]
[]
[ "four", "utilized", "Regnier", "project" ]
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101199_17_item7_p187_s4
101199_16_item7_p207_s4
Results of the projection methods are compared and a point estimate of ultimate loss (or LAE) is established.
Results of the projection methods are compared and a point estimate of ultimate loss (or LAE) is established for each individual year and line of business.
2
[ "<tag1>", "Results", "of", "the", "projection", "methods", "are", "compared", "and", "a", "point", "estimate", "of", "ultimate", "loss", "(", "or", "LAE", ")", "is", "established", ".", "<tag2>", "Results", "of", "the", "projection", "methods", "are", "compared", "and", "a", "point", "estimate", "of", "ultimate", "loss", "(", "or", "LAE", ")", "is", "established", "for", "each", "individual", "year", "and", "line", "of", "business", ".", "<tag3>" ]
[ "Results", "of", "the", "projection", "methods", "are", "compared", "and", "a", "point", "estimate", "of", "ultimate", "loss", "(", "or", "LAE", ")", "is", "established", "." ]
[ "Results", "of", "the", "projection", "methods", "are", "compared", "and", "a", "point", "estimate", "of", "ultimate", "loss", "(", "or", "LAE", ")", "is", "established", "for", "each", "individual", "year", "and", "line", "of", "business", "." ]
[]
[ "individual", "year", "line", "business" ]
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101199_17_item7_p20_s8
101199_16_item7_p20_s9
In 2015, we also renewed our participation in all of our assumed programs.
In 2016, we renewed our participation in all of our assumed programs.
2
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[ "In", "2015", ",", "we", "also", "renewed", "our", "participation", "in", "all", "of", "our", "assumed", "programs", "." ]
[ "In", "2016", ",", "we", "renewed", "our", "participation", "in", "all", "of", "our", "assumed", "programs", "." ]
[]
[]
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101199_17_item7_p66_s0
101199_16_item7_p20_s9
In 2015, we also renewed our participation in all of our assumed programs.
In 2016, we renewed our participation in all of our assumed programs.
2
[ "<tag1>", "In", "2015", ",", "we", "also", "renewed", "our", "participation", "in", "all", "of", "our", "assumed", "programs", ".", "<tag2>", "In", "2016", ",", "we", "renewed", "our", "participation", "in", "all", "of", "our", "assumed", "programs", ".", "<tag3>" ]
[ "In", "2015", ",", "we", "also", "renewed", "our", "participation", "in", "all", "of", "our", "assumed", "programs", "." ]
[ "In", "2016", ",", "we", "renewed", "our", "participation", "in", "all", "of", "our", "assumed", "programs", "." ]
[]
[]
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[ -1, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, 0, -1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, 1, -1 ]
101199_17_item7_p193_s0
101199_16_item7_p212_s4
Because short-tail lines of business settle much more quickly and the costs are easier to determine, loss settlement expense reserves for such claims constitute a smaller portion of the total reserves.
easier to determine, loss settlement expense reserves for such claims constitute a smaller portion of the total reserves.
2
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[ "Because", "short", "-", "tail", "lines", "of", "business", "settle", "much", "more", "quickly", "and", "the", "costs", "are", "easier", "to", "determine", ",", "loss", "settlement", "expense", "reserves", "for", "such", "claims", "constitute", "a", "smaller", "portion", "of", "the", "total", "reserves", "." ]
[ "easier", "to", "determine", ",", "loss", "settlement", "expense", "reserves", "for", "such", "claims", "constitute", "a", "smaller", "portion", "of", "the", "total", "reserves", "." ]
[]
[]
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101199_17_item7_p187_s2
101199_16_item7_p240_s0
The four methods utilized by Regnier to project losses are: paid loss development; reported loss development; expected loss emergence based on paid losses; and expected loss emergence based on reported losses.
The loss projection methods include paid loss development; reported loss development; expected loss emergence based on paid losses; and expected loss emergence based on reported losses.
2
[ "<tag1>", "The", "four", "methods", "utilized", "by", "Regnier", "to", "project", "losses", "are", ":", "paid", "loss", "development", ";", "reported", "loss", "development", ";", "expected", "loss", "emergence", "based", "on", "paid", "losses", ";", "and", "expected", "loss", "emergence", "based", "on", "reported", "losses", ".", "<tag2>", "The", "loss", "projection", "methods", "include", "paid", "loss", "development", ";", "reported", "loss", "development", ";", "expected", "loss", "emergence", "based", "on", "paid", "losses", ";", "and", "expected", "loss", "emergence", "based", "on", "reported", "losses", ".", "<tag3>" ]
[ "The", "four", "methods", "utilized", "by", "Regnier", "to", "project", "losses", "are", ":", "paid", "loss", "development", ";", "reported", "loss", "development", ";", "expected", "loss", "emergence", "based", "on", "paid", "losses", ";", "and", "expected", "loss", "emergence", "based", "on", "reported", "losses", "." ]
[ "The", "loss", "projection", "methods", "include", "paid", "loss", "development", ";", "reported", "loss", "development", ";", "expected", "loss", "emergence", "based", "on", "paid", "losses", ";", "and", "expected", "loss", "emergence", "based", "on", "reported", "losses", "." ]
[]
[ "projection", "include" ]
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101199_17_item7_p223_s4
101199_16_item7_p243_s2
We periodically review the adequacy of these reserves and recoverability of DAC for these contracts on an aggregate basis using actual experience.
We periodically review the adequacy of traditional life product reserves and recoverability of DAC for these contracts on an aggregate basis using actual experience.
2
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[ "We", "periodically", "review", "the", "adequacy", "of", "these", "reserves", "and", "recoverability", "of", "DAC", "for", "these", "contracts", "on", "an", "aggregate", "basis", "using", "actual", "experience", "." ]
[ "We", "periodically", "review", "the", "adequacy", "of", "traditional", "life", "product", "reserves", "and", "recoverability", "of", "DAC", "for", "these", "contracts", "on", "an", "aggregate", "basis", "using", "actual", "experience", "." ]
[]
[ "traditional", "life", "product" ]
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101199_17_item7_p228_s3
101199_16_item7_p250_s0
Assumption Determination Methodology Potential One-Time Effect on DAC Asset, Net of Unearned Revenue Liabilities Mortality Experience Based on our mortality experience with consideration given to industry experience and trends A 10.0% increase in expected mortality experience for all future years would result in a reduction in DAC and an increase in current period amortization expense of $2.8 million.
Surrender Rates Based on our policy surrender experience with consideration given to industry experience and trends A 10.0% increase in expected surrender rates for all future years would result in a reduction in DAC and an increase in current period amortization expense of $1.6 million.
2
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[ "Assumption", "Determination", "Methodology", "Potential", "One", "-", "Time", "Effect", "on", "DAC", "Asset", ",", "Net", "of", "Unearned", "Revenue", "Liabilities", "Mortality", "Experience", "Based", "on", "our", "mortality", "experience", "with", "consideration", "given", "to", "industry", "experience", "and", "trends", "A", "10.0", "%", "increase", "in", "expected", "mortality", "experience", "for", "all", "future", "years", "would", "result", "in", "a", "reduction", "in", "DAC", "and", "an", "increase", "in", "current", "period", "amortization", "expense", "of", "$", "2.8", "million", "." ]
[ "Surrender", "Rates", "Based", "on", "our", "policy", "surrender", "experience", "with", "consideration", "given", "to", "industry", "experience", "and", "trends", "A", "10.0", "%", "increase", "in", "expected", "surrender", "rates", "for", "all", "future", "years", "would", "result", "in", "a", "reduction", "in", "DAC", "and", "an", "increase", "in", "current", "period", "amortization", "expense", "of", "$", "1.6", "million", "." ]
[]
[ "Surrender", "Rates", "policy", "surrender", "surrender", "rates", "1.6" ]
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101199_17_item7_p232_s1
101199_16_item7_p253_s8
A 100 basis point decrease in our estimated long-term rate of return on pension plan assets would increase the benefit expense for the year ended December 31, 2015 , by $1.1 million , while a 100 basis point increase in the rate would decrease benefit expense by $1.1 million , for the same period.
For the post-retirement benefit plan, a 100 basis point increase in our estimated medical trend rate would increase the benefit expense for the year ended December 31, 2016 , by $0.8 million , while a 100 basis point decrease in the rate would decrease benefit expense by $0.7 million , for the same period.
2
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[ "For", "the", "post", "-", "retirement", "benefit", "plan", ",", "a", "100", "basis", "point", "increase", "in", "our", "estimated", "medical", "trend", "rate", "would", "increase", "the", "benefit", "expense", "for", "the", "year", "ended", "December", "31", ",", "2016", ",", "by", "$", "0.8", "million", ",", "while", "a", "100", "basis", "point", "decrease", "in", "the", "rate", "would", "decrease", "benefit", "expense", "by", "$", "0.7", "million", ",", "for", "the", "same", "period", "." ]
[]
[ "post", "retirement", "medical", "trend", "0.8", "0.7" ]
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101199_17_item7_p232_s0
101199_16_item7_p254_s0
For the postretirement benefit plan, an increase in our estimated medical trend rate would increase the benefit expense for the year ended December 31, 2015 , by $1.6 million , while a 100 basis point decrease in the rate would decrease benefit expense by $1.2 million , for the same period.
A 100 basis point decrease in our estimated long-term rate of return on pension plan assets would increase the benefit expense for the year ended December 31, 2016 , by $1.3 million , while a 100 basis point increase in the rate would decrease benefit expense by $1.3 million , for the same period.
2
[ "<tag1>", "For", "the", "postretirement", "benefit", "plan", ",", "an", "increase", "in", "our", "estimated", "medical", "trend", "rate", "would", "increase", "the", "benefit", "expense", "for", "the", "year", "ended", "December", "31", ",", "2015", ",", "by", "$", "1.6", "million", ",", "while", "a", "100", "basis", "point", "decrease", "in", "the", "rate", "would", "decrease", "benefit", "expense", "by", "$", "1.2", "million", ",", "for", "the", "same", "period", ".", "<tag2>", "A", "100", "basis", "point", "decrease", "in", "our", "estimated", "long", "-", "term", "rate", "of", "return", "on", "pension", "plan", "assets", "would", "increase", "the", "benefit", "expense", "for", "the", "year", "ended", "December", "31", ",", "2016", ",", "by", "$", "1.3", "million", ",", "while", "a", "100", "basis", "point", "increase", "in", "the", "rate", "would", "decrease", "benefit", "expense", "by", "$", "1.3", "million", ",", "for", "the", "same", "period", ".", "<tag3>" ]
[ "For", "the", "postretirement", "benefit", "plan", ",", "an", "increase", "in", "our", "estimated", "medical", "trend", "rate", "would", "increase", "the", "benefit", "expense", "for", "the", "year", "ended", "December", "31", ",", "2015", ",", "by", "$", "1.6", "million", ",", "while", "a", "100", "basis", "point", "decrease", "in", "the", "rate", "would", "decrease", "benefit", "expense", "by", "$", "1.2", "million", ",", "for", "the", "same", "period", "." ]
[ "A", "100", "basis", "point", "decrease", "in", "our", "estimated", "long", "-", "term", "rate", "of", "return", "on", "pension", "plan", "assets", "would", "increase", "the", "benefit", "expense", "for", "the", "year", "ended", "December", "31", ",", "2016", ",", "by", "$", "1.3", "million", ",", "while", "a", "100", "basis", "point", "increase", "in", "the", "rate", "would", "decrease", "benefit", "expense", "by", "$", "1.3", "million", ",", "for", "the", "same", "period", "." ]
[]
[ "long", "term", "return", "pension", "assets", "1.3", "1.3" ]
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101199_17_item7_p232_s1
101199_16_item7_p254_s0
For the postretirement benefit plan, an increase in our estimated medical trend rate would increase the benefit expense for the year ended December 31, 2015 , by $1.6 million , while a 100 basis point decrease in the rate would decrease benefit expense by $1.2 million , for the same period.
For the post-retirement benefit plan, a 100 basis point increase in our estimated medical trend rate would increase the benefit expense for the year ended December 31, 2016 , by $0.8 million , while a 100 basis point decrease in the rate would decrease benefit expense by $0.7 million , for the same period.
2
[ "<tag1>", "For", "the", "postretirement", "benefit", "plan", ",", "an", "increase", "in", "our", "estimated", "medical", "trend", "rate", "would", "increase", "the", "benefit", "expense", "for", "the", "year", "ended", "December", "31", ",", "2015", ",", "by", "$", "1.6", "million", ",", "while", "a", "100", "basis", "point", "decrease", "in", "the", "rate", "would", "decrease", "benefit", "expense", "by", "$", "1.2", "million", ",", "for", "the", "same", "period", ".", "<tag2>", "For", "the", "post", "-", "retirement", "benefit", "plan", ",", "a", "100", "basis", "point", "increase", "in", "our", "estimated", "medical", "trend", "rate", "would", "increase", "the", "benefit", "expense", "for", "the", "year", "ended", "December", "31", ",", "2016", ",", "by", "$", "0.8", "million", ",", "while", "a", "100", "basis", "point", "decrease", "in", "the", "rate", "would", "decrease", "benefit", "expense", "by", "$", "0.7", "million", ",", "for", "the", "same", "period", ".", "<tag3>" ]
[ "For", "the", "postretirement", "benefit", "plan", ",", "an", "increase", "in", "our", "estimated", "medical", "trend", "rate", "would", "increase", "the", "benefit", "expense", "for", "the", "year", "ended", "December", "31", ",", "2015", ",", "by", "$", "1.6", "million", ",", "while", "a", "100", "basis", "point", "decrease", "in", "the", "rate", "would", "decrease", "benefit", "expense", "by", "$", "1.2", "million", ",", "for", "the", "same", "period", "." ]
[ "For", "the", "post", "-", "retirement", "benefit", "plan", ",", "a", "100", "basis", "point", "increase", "in", "our", "estimated", "medical", "trend", "rate", "would", "increase", "the", "benefit", "expense", "for", "the", "year", "ended", "December", "31", ",", "2016", ",", "by", "$", "0.8", "million", ",", "while", "a", "100", "basis", "point", "decrease", "in", "the", "rate", "would", "decrease", "benefit", "expense", "by", "$", "0.7", "million", ",", "for", "the", "same", "period", "." ]
[]
[ "post", "retirement", "0.8", "0.7" ]
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101199_17_item7_p185_s0
101199_16_item7_p34_s0
For many liability claims, significant periods of time, ranging up to several years, and for certain construction defect claims, more than a decade, may elapse between the occurrence of the loss, the reporting of the loss to us and the settlement or other disposition of the claim.
For many long-tail liability claims, significant periods of time, ranging up to several years, may elapse between the occurrence of the loss, the reporting of the loss to us and the settlement of the claim.
2
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[ "For", "many", "liability", "claims", ",", "significant", "periods", "of", "time", ",", "ranging", "up", "to", "several", "years", ",", "and", "for", "certain", "construction", "defect", "claims", ",", "more", "than", "a", "decade", ",", "may", "elapse", "between", "the", "occurrence", "of", "the", "loss", ",", "the", "reporting", "of", "the", "loss", "to", "us", "and", "the", "settlement", "or", "other", "disposition", "of", "the", "claim", "." ]
[ "For", "many", "long", "-", "tail", "liability", "claims", ",", "significant", "periods", "of", "time", ",", "ranging", "up", "to", "several", "years", ",", "may", "elapse", "between", "the", "occurrence", "of", "the", "loss", ",", "the", "reporting", "of", "the", "loss", "to", "us", "and", "the", "settlement", "of", "the", "claim", "." ]
[]
[ "long", "tail" ]
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101199_17_item7_p45_s0
101199_16_item7_p34_s0
For many liability claims, significant periods of time, ranging up to several years, and for certain construction defect claims, more than a decade, may elapse between the occurrence of the loss, the reporting of the loss to us and the settlement or other disposition of the claim.
Because of the long-tail nature of liability claims, significant periods of time, ranging up to several years, may elapse between the occurrence of the loss, the reporting of the loss to us and the settlement of the claim.
2
[ "<tag1>", "For", "many", "liability", "claims", ",", "significant", "periods", "of", "time", ",", "ranging", "up", "to", "several", "years", ",", "and", "for", "certain", "construction", "defect", "claims", ",", "more", "than", "a", "decade", ",", "may", "elapse", "between", "the", "occurrence", "of", "the", "loss", ",", "the", "reporting", "of", "the", "loss", "to", "us", "and", "the", "settlement", "or", "other", "disposition", "of", "the", "claim", ".", "<tag2>", "Because", "of", "the", "long", "-", "tail", "nature", "of", "liability", "claims", ",", "significant", "periods", "of", "time", ",", "ranging", "up", "to", "several", "years", ",", "may", "elapse", "between", "the", "occurrence", "of", "the", "loss", ",", "the", "reporting", "of", "the", "loss", "to", "us", "and", "the", "settlement", "of", "the", "claim", ".", "<tag3>" ]
[ "For", "many", "liability", "claims", ",", "significant", "periods", "of", "time", ",", "ranging", "up", "to", "several", "years", ",", "and", "for", "certain", "construction", "defect", "claims", ",", "more", "than", "a", "decade", ",", "may", "elapse", "between", "the", "occurrence", "of", "the", "loss", ",", "the", "reporting", "of", "the", "loss", "to", "us", "and", "the", "settlement", "or", "other", "disposition", "of", "the", "claim", "." ]
[ "Because", "of", "the", "long", "-", "tail", "nature", "of", "liability", "claims", ",", "significant", "periods", "of", "time", ",", "ranging", "up", "to", "several", "years", ",", "may", "elapse", "between", "the", "occurrence", "of", "the", "loss", ",", "the", "reporting", "of", "the", "loss", "to", "us", "and", "the", "settlement", "of", "the", "claim", "." ]
[]
[ "long", "tail", "nature" ]
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101199_17_item7_p69_s1
101199_16_item7_p3_s0
life insurance, which includes deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.
Our principal life insurance products are deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.
2
[ "<tag1>", "life", "insurance", ",", "which", "includes", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", ".", "<tag2>", "Our", "principal", "life", "insurance", "products", "are", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", ".", "<tag3>" ]
[ "life", "insurance", ",", "which", "includes", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", "." ]
[ "Our", "principal", "life", "insurance", "products", "are", "deferred", "and", "immediate", "annuities", ",", "universal", "life", "products", "and", "traditional", "life", "(", "primarily", "single", "premium", "whole", "life", "insurance", ")", "products", "." ]
[]
[ "principal" ]
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101199_17_item7_p43_s3
101199_16_item7_p44_s3
The deterioration in 2014 as compared to 2013 was primarily the result of an increase in catastrophe losses from spring and summer storms in regions of the U.S where we conduct much of our business and an increase in frequency and severity in fire-related losses in our commercial property line of business partially offset by an improvement in the loss ratio for workers' compensation and commercial automobile insurance.
The prior year results included an increase in catastrophe losses from spring and summer storms in regions of the U.S where we conduct much of our business and an increase in frequency and severity in fire-related losses in our commercial fire allied line of business.
2
[ "<tag1>", "The", "deterioration", "in", "2014", "as", "compared", "to", "2013", "was", "primarily", "the", "result", "of", "an", "increase", "in", "catastrophe", "losses", "from", "spring", "and", "summer", "storms", "in", "regions", "of", "the", "U.S", "where", "we", "conduct", "much", "of", "our", "business", "and", "an", "increase", "in", "frequency", "and", "severity", "in", "fire", "-", "related", "losses", "in", "our", "commercial", "property", "line", "of", "business", "partially", "offset", "by", "an", "improvement", "in", "the", "loss", "ratio", "for", "workers", "'", "compensation", "and", "commercial", "automobile", "insurance", ".", "<tag2>", "The", "prior", "year", "results", "included", "an", "increase", "in", "catastrophe", "losses", "from", "spring", "and", "summer", "storms", "in", "regions", "of", "the", "U.S", "where", "we", "conduct", "much", "of", "our", "business", "and", "an", "increase", "in", "frequency", "and", "severity", "in", "fire", "-", "related", "losses", "in", "our", "commercial", "fire", "allied", "line", "of", "business", ".", "<tag3>" ]
[ "The", "deterioration", "in", "2014", "as", "compared", "to", "2013", "was", "primarily", "the", "result", "of", "an", "increase", "in", "catastrophe", "losses", "from", "spring", "and", "summer", "storms", "in", "regions", "of", "the", "U.S", "where", "we", "conduct", "much", "of", "our", "business", "and", "an", "increase", "in", "frequency", "and", "severity", "in", "fire", "-", "related", "losses", "in", "our", "commercial", "property", "line", "of", "business", "partially", "offset", "by", "an", "improvement", "in", "the", "loss", "ratio", "for", "workers", "'", "compensation", "and", "commercial", "automobile", "insurance", "." ]
[ "The", "prior", "year", "results", "included", "an", "increase", "in", "catastrophe", "losses", "from", "spring", "and", "summer", "storms", "in", "regions", "of", "the", "U.S", "where", "we", "conduct", "much", "of", "our", "business", "and", "an", "increase", "in", "frequency", "and", "severity", "in", "fire", "-", "related", "losses", "in", "our", "commercial", "fire", "allied", "line", "of", "business", "." ]
[]
[ "prior", "year", "results", "included", "allied" ]
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101199_17_item7_p55_s0
101199_16_item7_p44_s3
The deterioration in 2014 as compared to 2013 was primarily the result of an increase in catastrophe losses from spring and summer storms in regions of the U.S where we conduct much of our business and an increase in frequency and severity in fire-related losses in our commercial property line of business partially offset by an improvement in the loss ratio for workers' compensation and commercial automobile insurance.
In 2014, there were elevated catastrophe losses from spring and summer storms in regions of the U.S. where we conduct much of our business and an increase in frequency and severity in fire-related losses in our commercial property line of business.
2
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[]
[ "elevated", "U.S." ]
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101199_17_item7_p34_s0
101199_16_item7_p46_s0
Because of the long-tail nature of liability claims, significant periods of time, ranging up to several years, may elapse between the occurrence of the loss, the reporting of the loss to us and the settlement of the claim.
For many liability claims, significant periods of time, ranging up to several years, and for certain construction defect claims, more than a decade, may elapse between the occurrence of the loss, the reporting of the loss to us and the settlement or other disposition of the claim.
2
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[]
[ "many", "certain", "construction", "defect", "decade", "disposition" ]
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101199_17_item7_p204_s0
101199_16_item7_p48_s0
Construction defect claims generally relate to allegedly defective work performed in the construction of structures such as apartments, condominiums, single family dwellings or other housing, as well as the sale of defective building materials.
Construction defect is a liability allegation relating to defective work performed in the construction of structures such as commercial buildings, apartments, condominiums, single family dwellings or other housing, as well as the sale of defective building materials.
2
[ "<tag1>", "Construction", "defect", "claims", "generally", "relate", "to", "allegedly", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", ".", "<tag2>", "Construction", "defect", "is", "a", "liability", "allegation", "relating", "to", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "commercial", "buildings", ",", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", ".", "<tag3>" ]
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[ "Construction", "defect", "is", "a", "liability", "allegation", "relating", "to", "defective", "work", "performed", "in", "the", "construction", "of", "structures", "such", "as", "commercial", "buildings", ",", "apartments", ",", "condominiums", ",", "single", "family", "dwellings", "or", "other", "housing", ",", "as", "well", "as", "the", "sale", "of", "defective", "building", "materials", "." ]
[]
[ "liability", "allegation", "relating", "commercial", "buildings" ]
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101199_17_item7_p43_s3
101199_16_item7_p56_s1
The deterioration in the net loss ratio in 2014 as compared to 2013 , was due to an increase in catastrophe losses from spring and summer storms in regions of the U.S. where we conduct much of our business and an increase in frequency and severity in fire-related losses in our commercial property line of business.
The prior year results included an increase in catastrophe losses from spring and summer storms in regions of the U.S where we conduct much of our business and an increase in frequency and severity in fire-related losses in our commercial fire allied line of business.
2
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[]
[ "prior", "year", "results", "included", "U.S", "allied" ]
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101199_17_item7_p55_s0
101199_16_item7_p56_s1
The deterioration in the net loss ratio in 2014 as compared to 2013 , was due to an increase in catastrophe losses from spring and summer storms in regions of the U.S. where we conduct much of our business and an increase in frequency and severity in fire-related losses in our commercial property line of business.
In 2014, there were elevated catastrophe losses from spring and summer storms in regions of the U.S. where we conduct much of our business and an increase in frequency and severity in fire-related losses in our commercial property line of business.
2
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[]
[ "elevated" ]
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101199_17_item7_p68_s4
101199_16_item7_p70_s0
ratio improved slightly in 2015 due to the improvement in the profitability in certain lines of business, which led to an increase in the amount of underwriting expenese eligible for deferral, elimination of duplicate costs associated with the previously disclosed Mercer Insurance Group, Inc. integration and completion of technology projects, all partially offset by an increase in post-retirement benefit costs.
The underwriting expense ratio improved slightly in 2015 due to the improvement in the profitability in certain lines of business, which led to an increase in the amount of underwriting expenses eligible for deferral, elimination of duplicate costs associated with the previously disclosed Mercer Insurance Group, Inc. integration and completion of technology projects, all partially offset by an increase in post-retirement benefit costs.
2
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[]
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101199_17_item7_p3_s0
101199_16_item7_p71_s1
Our principal life insurance products are deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.
life insurance, which includes deferred and immediate annuities, universal life products and traditional life (primarily single premium whole life insurance) products.
2
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[]
[ "includes" ]
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101199_17_item7_p78_s0
101199_16_item7_p80_s0
As of December 31, 2015 , we had no alternative minimum tax ("AMT") credit carryforwards.
As of December 31, 2016 , we had $1.2 million of alternative minimum tax ("AMT") credit carryforwards.
2
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[]
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101199_17_item7_p82_s0
101199_16_item7_p84_s0
The Company's assets are invested to meet liquidity needs and maximize after-tax returns while maintaining an appropriate balance of risk.
The Company's assets are invested to preserve capital and maximize after-tax returns while maintaining an appropriate balance of risk.
2
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[]
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101199_17_item7_p88_s0
101199_16_item7_p89_s1
We administer our investment portfolio based on investment guidelines approved by management and the investment committee of our Board of Directors that comply with applicable statutory regulations.
approved by management and the investment committee of our Board of Directors that comply with applicable statutory regulations.
2
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[]
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101199_17_item7_p97_s0
101199_16_item7_p97_s1
Duration is a measurement used to quantify our inherent interest rate risk and analyze our ability to match our invested assets to our reserve liabilities.
analyze our ability to match our invested assets to our reserve liabilities.
2
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[]
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101199_18_item7_p160_s1
101199_17_item7_p106_s4
Our accounting policy for impairment recognition requires other-than-temporary impairment charges to be recorded when we determine that it is more likely than not that we will be unable to collect all amounts due according to the contractual terms of the fixed maturity security or that the anticipated recovery in fair value of the equity security will not occur in a reasonable amount of time.
Our accounting policy for impairment recognition requires OTTI charges to be recorded when we determine that it is more likely than not that we will be unable to collect all amounts due according to the contractual terms of the fixed maturity security or that the anticipated recovery in fair value of the equity security will not occur in a reasonable amount of time.
2
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[]
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101199_18_item7_p108_s0
101199_17_item7_p109_s0
NM=not meaningful Net Investment Income In 2016, our investment income, net of investment expenses, increased $6.0 million to $106.8 million as compared to 2015, primarily due to the change in value of our investments in limited liability partnerships, specifically related to financial institutions.
Net Investment Income In 2017, our investment income, net of investment expenses, decreased $5.9 million to $100.9 million as compared to 2016, primarily due to the change in value of our investments in limited liability partnerships, specifically related to financial institutions.
2
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[]
[ "decreased", "5.9", "100.9" ]
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101199_18_item7_p108_s1
101199_17_item7_p109_s0
NM=not meaningful Net Investment Income In 2016, our investment income, net of investment expenses, increased $6.0 million to $106.8 million as compared to 2015, primarily due to the change in value of our investments in limited liability partnerships, specifically related to financial institutions.
In 2016, our investment income, net of investment expenses, increased $6.0 million to $106.8 million as compared to 2015, primarily due to the change in value of our investments in limited liability partnerships, specifically related to financial institutions.
2
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[]
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