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922621_14_item7_p293_s1
922621_13_item7_p288_s3
At December 31, 2011 , shareholders equity decreased by $41 million , net of tax, of which $5 million represents amortization of the prior service cost and net actuarial loss and $46 million represents the current period actuarial loss .
At December 31, 2013 , shareholders equity increased by $81 million , net of tax, of which $10 million represents amortization of the prior service cost and net actuarial loss and $71 million represents the current period actuarial gain .
2
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[]
[ "increased", "gain" ]
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922621_14_item7_p89_s1
922621_13_item7_p290_s1
Consequently, in establishing premium rates, we attempt to anticipate the potential impact of inflation, including medical cost inflation, construction and auto repair cost inflation and tort issues.
Consequently, in establishing reserves, we attempt to anticipate the potential impact of inflation, including medical cost inflation, construction and auto repair cost inflation and tort issues.
2
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[]
[ "reserves" ]
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922621_14_item7_p320_s0
922621_13_item7_p294_s2
Volatility in these markets could impair our ability to sell certain of our fixed income securities or cause such securities to sell at deep discounts.
Volatility in the financial markets could impair Indemnity s ability to sell certain of its fixed income securities or cause such securities to sell at deep discounts.
2
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[]
[ "financial", "Indemnity" ]
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922621_14_item7_p302_s3
922621_13_item7_p296_s1
Increased cash from operating activities in 2012 was driven primarily by an increase in premiums collected by the Exchange driven by the increase in premiums written, a decrease in losses and loss expenses paid, and a slight increase in net investment income received.
The increase in 2012 , compared to 2011 , was primarily due to an increase in premiums collected by the Exchange driven by the increase in premiums written, a decrease in losses and loss expenses paid, and a slight increase in net investment income received.
2
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[]
[ "compared", "2011", "due" ]
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922621_14_item7_p311_s2
922621_13_item7_p308_s6
Net after-tax cash proceeds to Indemnity from this sale were $285 million.
Net after-tax cash proceeds to Indemnity from this sale were $58 million.
2
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[ "Net", "after", "-", "tax", "cash", "proceeds", "to", "Indemnity", "from", "this", "sale", "were", "$", "285", "million", "." ]
[ "Net", "after", "-", "tax", "cash", "proceeds", "to", "Indemnity", "from", "this", "sale", "were", "$", "58", "million", "." ]
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922621_14_item7_p323_s0
922621_13_item7_p315_s0
Indemnity Outside of Indemnity s normal operating and investing cash activities, future funding requirements could be met through: 1) Indemnity s cash and cash equivalents, which total approximately $12 million at December 31, 2012 , 2) a $100 million bank revolving line of credit held by Indemnity, and 3) liquidation of assets held in Indemnity s investment portfolio, including common stock, preferred stock and investment grade bonds which totaled approximately $389 million at December 31, 2012 .
Exchange Outside of the Exchange s normal operating and investing cash activities, future funding requirements could be met through: 1) the Exchange s cash and cash equivalents, which total approximately $403 million at December 31, 2013 , 2) a $300 million bank revolving line of credit held by the Exchange, and 3) liquidation of assets held in the Exchange s investment portfolio, including common stock, preferred stock, and investment grade bonds which totaled approximately $11.6 billion at December 31, 2013 .
2
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[]
[ "Exchange", "Exchange", "Exchange", "Exchange", "Exchange", "11.6", "billion" ]
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922621_14_item7_p300_s2
922621_13_item7_p316_s0
Volatility in the financial markets could impair Indemnity s ability to sell certain of its fixed income securities or cause such securities to sell at deep discounts.
Volatility in these markets could impair our ability to sell certain of our fixed income securities or cause such securities to sell at deep discounts.
2
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922621_14_item7_p326_s1
922621_13_item7_p317_s4
Indemnity was in compliance with its bank covenants at December 31, 2012 .
The Exchange was in compliance with its bank covenants at December 31, 2013 .
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[]
[ "Exchange" ]
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922621_14_item7_p319_s0
922621_13_item7_p319_s0
Exchange Outside of the Exchange s normal operating and investing cash activities, future funding requirements could be met through: 1) the Exchange s cash and cash equivalents, which total approximately $388 million at December 31, 2012 , 2) a $300 million bank revolving line of credit held by the Exchange, and 3) liquidation of assets held in the Exchange s investment portfolio, including common stock, preferred stock and investment grade bonds which totaled approximately $10.5 billion at December 31, 2012 .
Indemnity Outside of Indemnity s normal operating and investing cash activities, future funding requirements could be met through: 1) Indemnity s cash and cash equivalents, which total approximately $49 million at December 31, 2013 , 2) a $100 million bank revolving line of credit held by Indemnity, and 3) liquidation of assets held in Indemnity s investment portfolio, including common stock, preferred stock, and investment grade bonds which totaled approximately $464 million at December 31, 2013 .
2
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[ "Indemnity", "Outside", "of", "Indemnity", "s", "normal", "operating", "and", "investing", "cash", "activities", ",", "future", "funding", "requirements", "could", "be", "met", "through", ":", "1", ")", "Indemnity", "s", "cash", "and", "cash", "equivalents", ",", "which", "total", "approximately", "$", "49", "million", "at", "December", "31", ",", "2013", ",", "2", ")", "a", "$", "100", "million", "bank", "revolving", "line", "of", "credit", "held", "by", "Indemnity", ",", "and", "3", ")", "liquidation", "of", "assets", "held", "in", "Indemnity", "s", "investment", "portfolio", ",", "including", "common", "stock", ",", "preferred", "stock", ",", "and", "investment", "grade", "bonds", "which", "totaled", "approximately", "$", "464", "million", "at", "December", "31", ",", "2013", "." ]
[]
[ "Indemnity", "Indemnity", "Indemnity", "Indemnity", "Indemnity" ]
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922621_14_item7_p322_s0
922621_13_item7_p322_s0
The bank requires compliance with certain covenants, which include statutory surplus and risk based capital ratios.
The bank requires compliance with certain covenants, which include leverage ratios.
2
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[ "The", "bank", "requires", "compliance", "with", "certain", "covenants", ",", "which", "include", "statutory", "surplus", "and", "risk", "based", "capital", "ratios", "." ]
[ "The", "bank", "requires", "compliance", "with", "certain", "covenants", ",", "which", "include", "leverage", "ratios", "." ]
[]
[ "leverage" ]
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922621_14_item7_p322_s1
922621_13_item7_p322_s1
The Exchange was in compliance with its bank covenants at December 31, 2012 .
Indemnity was in compliance with its bank covenants at December 31, 2013 .
2
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[ "The", "Exchange", "was", "in", "compliance", "with", "its", "bank", "covenants", "at", "December", "31", ",", "2012", "." ]
[ "Indemnity", "was", "in", "compliance", "with", "its", "bank", "covenants", "at", "December", "31", ",", "2013", "." ]
[]
[ "Indemnity" ]
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922621_14_item7_p333_s3
922621_13_item7_p330_s0
At December 31, 2012 , Indemnity s total commitment to fund limited partnerships that invest in private equity securities is $15 million , mezzanine debt of $10 million , and real estate activities $13 million .
At December 31, 2013 , the Exchange s total commitment to fund limited partnerships that invest in private equity securities is $152 million , mezzanine debt of $160 million , and real estate activities $97 million .
2
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[]
[ "Exchange" ]
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922621_14_item7_p351_s0
922621_13_item7_p345_s4
Dynamic Financial Analysis (DFA) and catastrophe modeling enable us to quantify risk within our property and casualty insurance operations and investment portfolio.
Financial and catastrophe modeling enable us to quantify risk within our property and casualty insurance operations and investment portfolio.
2
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[]
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922621_14_item7_p362_s0
922621_13_item7_p356_s0
Surplus Notes Indemnity holds a surplus note for $25 million from EFL that is payable on demand on or after December 31, 2018 ; however, no principal or interest payments may be made without prior approval by the Pennsylvania Insurance Commissioner.
The Exchange holds a surplus note for $20 million from EFL that is payable on demand on or after December 31, 2025 ; however, no principal or interest payments may be made without prior approval by the Pennsylvania Insurance Commissioner.
2
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[]
[ "Exchange" ]
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922621_14_item7_p361_s0
922621_13_item7_p357_s0
The Exchange holds a surplus note for $20 million from EFL that is payable on demand on or after December 31, 2025 ; however, no principal or interest payments may be made without prior approval by the Pennsylvania Insurance Commissioner.
Surplus Notes Indemnity holds a surplus note for $25 million from EFL that is payable on demand on or after December 31, 2018 ; however, no principal or interest payments may be made without prior approval by the Pennsylvania Insurance Commissioner.
2
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[]
[ "Surplus", "Notes", "Indemnity" ]
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922621_14_item7_p182_s0
922621_13_item7_p35_s1
Management fee revenue is based upon all premiums written or assumed by the Exchange and the management fee rate, which is not to exceed 25% .
Management fee revenue Management fee revenue is based upon all premiums written or assumed by the Exchange and the management fee rate, which is determined by our Board of Directors at least annually.
2
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[]
[ "determined", "Board", "Directors", "least", "annually" ]
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922621_14_item7_p36_s0
922621_13_item7_p38_s0
The property and casualty insurance operations insure preferred and standard risks while maintaining a disciplined underwriting approach.
The p roperty and casualty insurance operations insure preferred and standard risks while maintaining a disciplined underwriting approach.
2
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[ "The", "property", "and", "casualty", "insurance", "operations", "insure", "preferred", "and", "standard", "risks", "while", "maintaining", "a", "disciplined", "underwriting", "approach", "." ]
[ "The", "p", "roperty", "and", "casualty", "insurance", "operations", "insure", "preferred", "and", "standard", "risks", "while", "maintaining", "a", "disciplined", "underwriting", "approach", "." ]
[]
[ "p", "roperty" ]
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922621_14_item7_p21_s1
922621_13_item7_p45_s1
On that basis, for presentation purposes, the life insurance operations segment discussion includes the life insurance related investment results.
On that basis, for presentation purposes, the life insurance operations in the table above include life insurance related investment results.
2
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[]
[ "table", "include" ]
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922621_14_item7_p66_s1
922621_13_item7_p65_s1
A comprehensive review is performed of the various estimation methods and reserve levels produced by each.
A com prehensive review is performed of the various estimation methods and reserve levels produced by each.
2
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[ "A", "comprehensive", "review", "is", "performed", "of", "the", "various", "estimation", "methods", "and", "reserve", "levels", "produced", "by", "each", "." ]
[ "A", "com", "prehensive", "review", "is", "performed", "of", "the", "various", "estimation", "methods", "and", "reserve", "levels", "produced", "by", "each", "." ]
[]
[ "com", "prehensive" ]
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922621_14_item7_p71_s1
922621_13_item7_p69_s1
The patterns are applied to current incurred losses by accident quarter to generate estimated ultimate losses.
The patterns are applied to current incurred losses to generate estimated ultimate losses.
2
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[ "The", "patterns", "are", "applied", "to", "current", "incurred", "losses", "by", "accident", "quarter", "to", "generate", "estimated", "ultimate", "losses", "." ]
[ "The", "patterns", "are", "applied", "to", "current", "incurred", "losses", "to", "generate", "estimated", "ultimate", "losses", "." ]
[]
[]
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922621_14_item7_p7_s0
922621_13_item7_p7_s0
Financial Statements and Supplementary Data - Note 2, Si gnificant Accounting Policies, of Notes to Consolidated Financial Statements contained within this report for a discussion of adopted and/or pending accounting pronouncements, none of which are expected to have a material impact on our future financial condition, results of operations or cash flows.
Financial Statements and Supplementary Data - Note 2, Significant Accounting Policies, of Notes to Consolidated Financial Statements contained within this report for a discussion of adopted and/or pending accounting pronouncements, none of which are expected to have a material impact on our future financial condition, results of operations or cash flows.
2
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[]
[ "Significant" ]
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922621_14_item7_p295_s1
922621_13_item7_p88_s1
Consequently, in establishing reserves, we attempt to anticipate the potential impact of inflation, including medical cost inflation, construction and auto repair cost inflation and tort issues.
Consequently, in establishing premium rates, we attempt to anticipate the potential impact of inflation, including medical cost inflation, construction and auto repair cost inflation, and tort issues.
2
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[]
[ "premium", "rates" ]
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922621_14_item7_p91_s0
922621_13_item7_p92_s0
Future cost increases and claimant mortality Future cost increase assumptions are derived from a review of historical cost increases and are assumed to persist into the future.
Future cost increase assumptions are derived from a review of historical cost increases and are assumed to persist into the future.
2
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[]
[]
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922621_14_item7_p91_s1
922621_13_item7_p92_s1
Future medical co st increases and claimant mortality a ssumptions utilized in the reserve estimates for massive injury lifetime medical claims are obtained from industry studies adjusted for our own experience.
Future medical cost increases and claimant mortality assumptions utilized in the reserve estimates for massive injury lifetime medical claims are obtained from industry studies adjusted for our own experience.
2
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[ "Future", "medical", "co", "st", "increases", "and", "claimant", "mortality", "a", "ssumptions", "utilized", "in", "the", "reserve", "estimates", "for", "massive", "injury", "lifetime", "medical", "claims", "are", "obtained", "from", "industry", "studies", "adjusted", "for", "our", "own", "experience", "." ]
[ "Future", "medical", "cost", "increases", "and", "claimant", "mortality", "assumptions", "utilized", "in", "the", "reserve", "estimates", "for", "massive", "injury", "lifetime", "medical", "claims", "are", "obtained", "from", "industry", "studies", "adjusted", "for", "our", "own", "experience", "." ]
[]
[ "cost", "assumptions" ]
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922621_14_item7_p100_s1
922621_13_item7_p99_s1
Actual experie nce, however, may emerge in a manner that is different relative to the original assumptions, which could have a significant impact on our reserve estimates.
Actual experience, however, may emerge in a manner that is different relative to the original assumptions, which could have a significant impact on our reserve estimates.
2
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[]
[ "experience" ]
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922621_14_item7_p290_s2
922621_13_item7_p99_s1
Actual experie nce, however, may emerge in a manner that is different relative to the original assumptions, which could have a significant impact on our reserve estimates.
Actual experience, however, may emerge in a manner that is different relative to the original assumptions, which could have a significant impact on our reserve estimates.
2
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[]
[ "experience" ]
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922621_15_item7_p104_s0
922621_14_item7_p108_s3
A premium deficiency exists if, based upon revised assumptions, the existing contract liabilities together with the present value of future gross premiums are not sufficient to cover the present value of future expected benefits and maintenance costs and to recover unamortized acquisition costs.
to cover the present value of future expected benefits and maintenance costs and to recover unamortized acquisition costs.
2
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[]
[]
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922621_15_item7_p123_s1
922621_14_item7_p127_s0
securities are generally determined using comparable securities or non-binding broker quotes received from outside broker dealers based upon security type and market conditions.
Fair value for these securities are generally determined using comparable securities or non-binding broker quotes received from outside broker dealers based upon security type and market conditions.
2
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[ "securities", "are", "generally", "determined", "using", "comparable", "securities", "or", "non", "-", "binding", "broker", "quotes", "received", "from", "outside", "broker", "dealers", "based", "upon", "security", "type", "and", "market", "conditions", "." ]
[ "Fair", "value", "for", "these", "securities", "are", "generally", "determined", "using", "comparable", "securities", "or", "non", "-", "binding", "broker", "quotes", "received", "from", "outside", "broker", "dealers", "based", "upon", "security", "type", "and", "market", "conditions", "." ]
[]
[ "Fair", "value" ]
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922621_15_item7_p169_s3
922621_14_item7_p131_s2
The methodologies used by the pricing service that support a Level 2 classification of a financial instrument include multiple verifiable, observable inputs including benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers, and reference data.
The methodologies used by the trustee and custodian that support a financial instrument Level 2 classification include multiple verifiable, observable inputs including benchmark yields, reported trades, broker/dealer quotes, issuers spreads, two-sided markets, benchmark securities, bids, offers, and reference data.
2
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[ "The", "methodologies", "used", "by", "the", "trustee", "and", "custodian", "that", "support", "a", "financial", "instrument", "Level", "2", "classification", "include", "multiple", "verifiable", ",", "observable", "inputs", "including", "benchmark", "yields", ",", "reported", "trades", ",", "broker", "/", "dealer", "quotes", ",", "issuers", "spreads", ",", "two", "-", "sided", "markets", ",", "benchmark", "securities", ",", "bids", ",", "offers", ",", "and", "reference", "data", "." ]
[]
[ "trustee", "custodian", "issuers" ]
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922621_15_item7_p142_s0
922621_14_item7_p147_s1
While we rely on the general partners financial statements as the best available information to record our share of the partnership unrealized gains and losses resulting from valuation changes, we adjust our financial statements for impairments of the partnership investments where appropriate.
While we perform various procedures in review of the general partners valuations, we rely on the general partners financial statements as the best available information to record our share of the partnership unrealized gains and losses resulting from valuation changes.
2
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[]
[ "perform", "various", "procedures", "review", "valuations" ]
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922621_15_item7_p145_s1
922621_14_item7_p150_s1
As a result of new accounting guidance effective in 2012, these costs are limited to the successful acquisition of new and renewal contracts.
These costs are limited to the successful acquisition of new and renewal contracts.
2
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[ "These", "costs", "are", "limited", "to", "the", "successful", "acquisition", "of", "new", "and", "renewal", "contracts", "." ]
[]
[]
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922621_15_item7_p149_s0
922621_14_item7_p154_s1
When the actual gross profits change from previously estimated gross profits, the cumulative DAC amortization is re-estimated and adjusted by a cumulative charge or credit to current operations.
amortization is re-estimated and adjusted by a cumulative charge or credit to current operations.
2
[ "<tag1>", "When", "the", "actual", "gross", "profits", "change", "from", "previously", "estimated", "gross", "profits", ",", "the", "cumulative", "DAC", "amortization", "is", "re", "-", "estimated", "and", "adjusted", "by", "a", "cumulative", "charge", "or", "credit", "to", "current", "operations", ".", "<tag2>", "amortization", "is", "re", "-", "estimated", "and", "adjusted", "by", "a", "cumulative", "charge", "or", "credit", "to", "current", "operations", ".", "<tag3>" ]
[ "When", "the", "actual", "gross", "profits", "change", "from", "previously", "estimated", "gross", "profits", ",", "the", "cumulative", "DAC", "amortization", "is", "re", "-", "estimated", "and", "adjusted", "by", "a", "cumulative", "charge", "or", "credit", "to", "current", "operations", "." ]
[ "amortization", "is", "re", "-", "estimated", "and", "adjusted", "by", "a", "cumulative", "charge", "or", "credit", "to", "current", "operations", "." ]
[]
[]
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922621_15_item7_p150_s0
922621_14_item7_p155_s0
The actuarial assumptions used to determine investment, mortality, and expense margins and surrender charges are reviewed periodically, are based upon best estimates and do not include any provision for the risk of adverse deviation.
The actuarial assumptions used to determine investment, mortality, and expense margins and surrender charges for universal life products and deferred annuities are reviewed periodically, are based upon best estimates and do not include any provision for the risk of adverse deviation.
2
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[ "The", "actuarial", "assumptions", "used", "to", "determine", "investment", ",", "mortality", ",", "and", "expense", "margins", "and", "surrender", "charges", "are", "reviewed", "periodically", ",", "are", "based", "upon", "best", "estimates", "and", "do", "not", "include", "any", "provision", "for", "the", "risk", "of", "adverse", "deviation", "." ]
[ "The", "actuarial", "assumptions", "used", "to", "determine", "investment", ",", "mortality", ",", "and", "expense", "margins", "and", "surrender", "charges", "for", "universal", "life", "products", "and", "deferred", "annuities", "are", "reviewed", "periodically", ",", "are", "based", "upon", "best", "estimates", "and", "do", "not", "include", "any", "provision", "for", "the", "risk", "of", "adverse", "deviation", "." ]
[]
[ "universal", "life", "products", "deferred", "annuities" ]
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922621_15_item7_p162_s2
922621_14_item7_p169_s0
the yield curve and used to discount benefit payment amounts associated with each future year.
Spot rates (zero coupon bond yields) are developed from the yield curve and used to discount benefit payment amounts associated with each future year.
2
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[ "the", "yield", "curve", "and", "used", "to", "discount", "benefit", "payment", "amounts", "associated", "with", "each", "future", "year", "." ]
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[]
[ "Spot", "rates", "zero", "coupon", "bond", "yields", "developed" ]
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922621_15_item7_p18_s0
922621_14_item7_p16_s0
other income and expenses, including income taxes, that are the responsibility of Indemnity.
other income and expenses, including income taxes, that are the responsibility of the Exchange and its subsidiaries.
2
[ "<tag1>", "other", "income", "and", "expenses", ",", "including", "income", "taxes", ",", "that", "are", "the", "responsibility", "of", "Indemnity", ".", "<tag2>", "other", "income", "and", "expenses", ",", "including", "income", "taxes", ",", "that", "are", "the", "responsibility", "of", "the", "Exchange", "and", "its", "subsidiaries", ".", "<tag3>" ]
[ "other", "income", "and", "expenses", ",", "including", "income", "taxes", ",", "that", "are", "the", "responsibility", "of", "Indemnity", "." ]
[ "other", "income", "and", "expenses", ",", "including", "income", "taxes", ",", "that", "are", "the", "responsibility", "of", "the", "Exchange", "and", "its", "subsidiaries", "." ]
[]
[ "Exchange", "subsidiaries" ]
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922621_15_item7_p167_s2
922621_14_item7_p174_s2
The market-related asset experience during 2013 that related to the actual investment return being different from that assumed during the prior year was a gain of $13 million .
The market-related asset experience during 2014 that related to the actual investment return being different from that assumed during the prior year was a gain of $42 million .
2
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[]
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922621_15_item7_p127_s2
922621_14_item7_p176_s3
The methodologies used by the trustee and custodian that support a financial instrument Level 2 classification include multiple verifiable, observable inputs including benchmark yields, reported trades, broker/dealer quotes, issuers spreads, two-sided markets, benchmark securities, bids, offers, and reference data.
The methodologies used by the pricing service that support a Level 2 classification of a financial instrument include multiple verifiable, observable inputs including benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers, and reference data.
2
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[]
[ "pricing", "service", "issuer" ]
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922621_15_item7_p186_s1
922621_14_item7_p180_s1
A summary of the results of our management operations is as follows:
A summary of the results of our property and casualty insurance operations is as follows:
2
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[ "property", "casualty", "insurance" ]
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922621_15_item7_p234_s2
922621_14_item7_p180_s1
A summary of the results of our management operations is as follows:
A summary of the results of our life insurance operations is as follows:
2
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[ "life", "insurance" ]
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922621_15_item7_p242_s1
922621_14_item7_p180_s1
A summary of the results of our management operations is as follows:
A summary of the results of our investment operations is as follows:
2
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[ "investment" ]
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922621_15_item7_p29_s1
922621_14_item7_p182_s0
Management fee revenue Management fee revenue is based upon all premiums written or assumed by the Exchange and the management fee rate, which is determined by our Board of Directors at least annually.
Management fee revenue is based upon all premiums written or assumed by the Exchange and the management fee rate, which is not to exceed 25% .
2
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[]
[ "exceed", "25" ]
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922621_15_item7_p192_s1
922621_14_item7_p184_s1
The year-over-year policy retention ratio was 90.6% at December 31, 2013 , 90.9% at December 31, 2012 , and 90.7% at December 31, 2011 .
The Property and Casualty Group s year-over-year policy retention ratio was 90.3% at December 31, 2014 , 90.6% at December 31, 2013 , and 90.9% at December 31, 2012 .
2
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[]
[ "Property", "Casualty", "Group", "90.3" ]
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922621_15_item7_p181_s2
922621_14_item7_p187_s0
reflects the continued shift in policies to the monthly direct debit payment plan, which does not incur service charges, and the no-fee single payment plan, which offers a premium discount.
The consistency in the service agreement revenue compared to the growth in policies in force reflects the continued shift in policies to the monthly direct debit payment plan, which does not incur service charges, and the no-fee single payment plan, which offers a premium discount.
2
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922621_15_item7_p16_s0
922621_14_item7_p18_s0
other income and expenses, including income taxes, that are the responsibility of the Exchange and its subsidiaries.
other income and expenses, including income taxes, that are the responsibility of Indemnity.
2
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[ "Indemnity" ]
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922621_15_item7_p174_s1
922621_14_item7_p192_s1
A summary of the results of our property and casualty insurance operations is as follows:
A summary of the results of our management operations is as follows:
2
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922621_15_item7_p234_s2
922621_14_item7_p192_s1
A summary of the results of our property and casualty insurance operations is as follows:
A summary of the results of our life insurance operations is as follows:
2
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[ "life" ]
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922621_15_item7_p242_s1
922621_14_item7_p192_s1
A summary of the results of our property and casualty insurance operations is as follows:
A summary of the results of our investment operations is as follows:
2
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[]
[ "investment" ]
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922621_15_item7_p235_s0
922621_14_item7_p193_s0
(1) The Exchange retains 100% of the income from the property and casualty insurance operations.
(1) The Exchange retains 100% of the income from the life insurance operations.
2
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[]
[ "life" ]
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922621_15_item7_p178_s2
922621_14_item7_p198_s1
The Property and Casualty Group s year-over-year policy retention ratio was 90.6% at December 31, 2013 , 90.9% at December 31, 2012 , and 90.7% at December 31, 2011 .
The year-over-year policy retention ratio was 90.3% at December 31, 2014 , 90.6% at December 31, 2013 , and 90.9% at December 31, 2012 .
2
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[]
[ "90.3" ]
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922621_15_item7_p193_s1
922621_14_item7_p200_s1
Consequently, rate actions take 12 months to be fully recognized in written premium and 24 months to be fully recognized in earned premiums.
As the Property and Casualty Group writes policies with annual terms only, rate actions take 12 months to be fully recognized in written premium and 24 months to be fully recognized in earned premiums.
2
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[]
[ "Property", "Casualty", "Group", "writes", "policies", "annual", "terms" ]
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922621_15_item7_p196_s0
922621_14_item7_p203_s0
New business premiums written on personal lines increased 21.1% in 2013 , compared to 20.9% in 2012 , driven by increases in new business policies written and average premium per policy.
New business premiums written on personal lines increased 6.0% in 2014 , compared to 21.1% in 2013 , driven by increases in new business policies written in the private passenger auto and other personal lines of business and average premium per policy.
2
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[]
[ "6.0", "private", "passenger", "auto" ]
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922621_15_item7_p211_s1
922621_14_item7_p218_s0
federal assistance for personal lines terrorism losses.
There is no federal assistance for personal lines terrorism losses.
2
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[ "federal", "assistance", "for", "personal", "lines", "terrorism", "losses", "." ]
[ "There", "is", "no", "federal", "assistance", "for", "personal", "lines", "terrorism", "losses", "." ]
[]
[]
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922621_15_item7_p42_s1
922621_14_item7_p21_s1
On that basis, for presentation purposes, the life insurance operations in the table above include life insurance related investment results.
On that basis, for presentation purposes, the life insurance operations segment discussion includes the life insurance related investment results.
2
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[]
[ "segment", "discussion", "includes" ]
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922621_15_item7_p218_s1
922621_14_item7_p225_s1
The most significant factors contributing to the 2013 adverse development were:
The most significant factors contributing to the 2014 favorable development were:
2
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[]
[ "2014", "favorable" ]
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922621_15_item7_p223_s1
922621_14_item7_p225_s1
The most significant factors contributing to the 2013 adverse development were:
The most significant factors contributing to the 2012 favorable development were:
2
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[]
[ "2012", "favorable" ]
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922621_15_item7_p218_s1
922621_14_item7_p228_s1
The most significant factors contributing to the 2012 favorable development were:
The most significant factors contributing to the 2014 favorable development were:
2
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[]
[]
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922621_15_item7_p220_s1
922621_14_item7_p228_s1
The most significant factors contributing to the 2012 favorable development were:
The most significant factors contributing to the 2013 adverse development were:
2
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[ "The", "most", "significant", "factors", "contributing", "to", "the", "2013", "adverse", "development", "were", ":" ]
[]
[ "2013", "adverse" ]
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922621_15_item7_p218_s1
922621_14_item7_p233_s1
The most significant factors contributing to the 2011 favorable development were:
The most significant factors contributing to the 2014 favorable development were:
2
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[ "The", "most", "significant", "factors", "contributing", "to", "the", "2014", "favorable", "development", "were", ":" ]
[]
[]
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922621_15_item7_p220_s1
922621_14_item7_p233_s1
The most significant factors contributing to the 2011 favorable development were:
The most significant factors contributing to the 2013 adverse development were:
2
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[ "The", "most", "significant", "factors", "contributing", "to", "the", "2013", "adverse", "development", "were", ":" ]
[]
[ "2013", "adverse" ]
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922621_15_item7_p174_s1
922621_14_item7_p244_s2
A summary of the results of our life insurance operations is as follows:
A summary of the results of our management operations is as follows:
2
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[]
[ "management" ]
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922621_15_item7_p186_s1
922621_14_item7_p244_s2
A summary of the results of our life insurance operations is as follows:
A summary of the results of our property and casualty insurance operations is as follows:
2
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[]
[ "property", "casualty" ]
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922621_15_item7_p242_s1
922621_14_item7_p244_s2
A summary of the results of our life insurance operations is as follows:
A summary of the results of our investment operations is as follows:
2
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[]
[ "investment" ]
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922621_15_item7_p174_s1
922621_14_item7_p252_s1
A summary of the results of our investment operations is as follows:
A summary of the results of our management operations is as follows:
2
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[]
[ "management" ]
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922621_15_item7_p186_s1
922621_14_item7_p252_s1
A summary of the results of our investment operations is as follows:
A summary of the results of our property and casualty insurance operations is as follows:
2
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[]
[ "property", "casualty", "insurance" ]
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922621_15_item7_p234_s2
922621_14_item7_p252_s1
A summary of the results of our investment operations is as follows:
A summary of the results of our life insurance operations is as follows:
2
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[]
[ "life", "insurance" ]
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922621_15_item7_p244_s2
922621_14_item7_p254_s1
The decrease in net investment income for Indemnity in 2013 was primarily due to lower average invested balances, while the decrease for the Exchange was due to lower average yields partially offset by an increase in invested balances.
The increase in net investment income for the Exchange in 2014 was due to an increase in invested balances partially offset by lower investment yields, while the decrease in 2013 was due to lower yields partially offset by an increase in invested balances.
2
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[]
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922621_15_item7_p263_s0
922621_14_item7_p270_s2
We have the intent to sell all credit-impaired debt securities, therefore the entire amount of the impairment charges are included in earnings and no impairments are recorded in other comprehensive income.
entire amount of the impairment charges are included in earnings and no impairments are recorded in other comprehensive income.
2
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[]
[]
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922621_15_item7_p284_s1
922621_14_item7_p289_s0
reserves both decreased at December 31, 2013 , compared to December 31, 2012 , primarily due to the settlement of two pre-1986 automobile massive injury claims and the settlement of one workers compensation massive injury claim, offset somewhat by the addition of one new workers compensation massive injury claim, respectively.
The pre-1986 automobile and workers compensation massive injury gross reserves both decreased at December 31, 2014 , compared to December 31, 2013 , primarily due to continued payments on the pre-1986 automobile massive injury claims and the settlement of two workers compensation massive injury claims, offset somewhat by the addition of two new workers compensation massive injury claims, respectively.
2
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[]
[ "gross", "continued", "payments" ]
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922621_15_item7_p287_s1
922621_14_item7_p293_s1
At December 31, 2013 , shareholders equity increased by $81 million , net of tax, of which $10 million represents amortization of the prior service cost and net actuarial loss and $71 million represents the current period actuarial gain .
At December 31, 2014 , shareholders equity decreased by $60 million , net of tax, of which $5 million represents amortization of the prior service cost and net actuarial loss and $65 million represents the current period actuarial loss .
2
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[]
[ "decreased" ]
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922621_15_item7_p287_s2
922621_14_item7_p293_s2
The 2013 actuarial gain was primarily due to the change in the discount rate assumption used to measure the future benefit obligations to 5.11% in 2013 , from 4.19% in 2012 .
The 2014 actuarial loss was primarily due to the change in the discount rate assumption used to measure the future benefit obligations to 4.17% in 2014 , from 5.11% in 2013 .
2
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[]
[ "loss", "4.17" ]
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922621_15_item7_p287_s3
922621_14_item7_p293_s3
At December 31, 2012 , shareholders equity decreased by $30 million , net of tax, of which $8 million represents amortization of the prior service cost and net actuarial loss and $38 million represents the current period actuarial loss .
At December 31, 2013 , shareholders equity increased by $81 million , net of tax, of which $10 million represents amortization of the prior service cost and net actuarial loss and $71 million represents the current period actuarial gain .
2
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[ "At", "December", "31", ",", "2013", ",", "shareholders", "equity", "increased", "by", "$", "81", "million", ",", "net", "of", "tax", ",", "of", "which", "$", "10", "million", "represents", "amortization", "of", "the", "prior", "service", "cost", "and", "net", "actuarial", "loss", "and", "$", "71", "million", "represents", "the", "current", "period", "actuarial", "gain", "." ]
[]
[ "increased", "gain" ]
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922621_15_item7_p287_s4
922621_14_item7_p293_s4
The 2012 actuarial loss was primarily due to the change in the discount rate assumption used to measure the future benefit obligations to 4.19% in 2012 , from 4.99% in 2011 .
The 2013 actuarial gain was primarily due to the change in the discount rate assumption used to measure the future benefit obligations to 5.11% in 2013 , from 4.19% in 2012 .
2
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[ "The", "2013", "actuarial", "gain", "was", "primarily", "due", "to", "the", "change", "in", "the", "discount", "rate", "assumption", "used", "to", "measure", "the", "future", "benefit", "obligations", "to", "5.11", "%", "in", "2013", ",", "from", "4.19", "%", "in", "2012", "." ]
[]
[ "gain", "5.11" ]
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922621_15_item7_p86_s1
922621_14_item7_p295_s1
Consequently, in establishing premium rates, we attempt to anticipate the potential impact of inflation, including medical cost inflation, construction and auto repair cost inflation, and tort issues.
Consequently, in establishing reserves, we attempt to anticipate the potential impact of inflation, including medical cost inflation, construction and auto repair cost inflation and tort issues.
2
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[]
[ "reserves" ]
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922621_15_item7_p315_s0
922621_14_item7_p300_s2
Volatility in these markets could impair our ability to sell certain of our fixed income securities or cause such securities to sell at deep discounts.
Volatility in the financial markets could impair Indemnity s ability to sell certain of its fixed income securities or cause such securities to sell at deep discounts.
2
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[ "Volatility", "in", "these", "markets", "could", "impair", "our", "ability", "to", "sell", "certain", "of", "our", "fixed", "income", "securities", "or", "cause", "such", "securities", "to", "sell", "at", "deep", "discounts", "." ]
[ "Volatility", "in", "the", "financial", "markets", "could", "impair", "Indemnity", "s", "ability", "to", "sell", "certain", "of", "its", "fixed", "income", "securities", "or", "cause", "such", "securities", "to", "sell", "at", "deep", "discounts", "." ]
[]
[ "financial", "Indemnity" ]
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922621_15_item7_p296_s3
922621_14_item7_p302_s1
Increased cash from operating activities in 2013 was primarily due to an increase in premiums collected by the Exchange driven by the increase in premiums written, a decrease in losses and loss expense paid, and a slight increase in limited partnership distributions received.
The increase in 2013 , compared to 2012 , was primarily due to an increase in premiums collected by the Exchange driven by the increase in premiums written, a decrease in losses and loss expense paid, and a slight increase in limited partnership distributions received.
2
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[]
[ "compared" ]
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922621_15_item7_p303_s0
922621_14_item7_p308_s0
Net cash provided by Indemnity s operating activities increased to $218 million in 2013 , compared to $205 million in 2012 , and $169 million in 2011 .
Net cash provided by Indemnity s operating activities decreased to $186 million in 2014 , compared to $218 million in 2013 , and $205 million in 2012 .
2
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[ "Net", "cash", "provided", "by", "Indemnity", "s", "operating", "activities", "increased", "to", "$", "218", "million", "in", "2013", ",", "compared", "to", "$", "205", "million", "in", "2012", ",", "and", "$", "169", "million", "in", "2011", "." ]
[ "Net", "cash", "provided", "by", "Indemnity", "s", "operating", "activities", "decreased", "to", "$", "186", "million", "in", "2014", ",", "compared", "to", "$", "218", "million", "in", "2013", ",", "and", "$", "205", "million", "in", "2012", "." ]
[]
[ "decreased" ]
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922621_15_item7_p304_s0
922621_14_item7_p309_s0
Indemnity s policy for funding its pension plan is generally to contribute an amount equal to the greater of the IRS minimum required contribution or the target normal cost for the year plus interest to the date the contribution is made.
Our funding policy is generally to contribute an amount equal to the greater of the target normal cost for the plan year or the amount necessary to fund the plan to 100% plus interest to the date the contribution is made.
2
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[]
[ "necessary", "fund", "100" ]
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922621_15_item7_p327_s2
922621_14_item7_p310_s3
Of this amount, the total remaining commitment to fund limited partnerships that invest in private equity securities was $14 million , mezzanine debt securities was $9 million , and real estate activities was $6 million .
At December 31, 2014 , Indemnity s total commitment to fund limited partnerships that invest in private equity securities was $10 million , mezzanine debt was $9 million , and real estate activities was $5 million .
2
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[]
[ "December", "31", "Indemnity" ]
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922621_15_item7_p318_s0
922621_14_item7_p319_s0
Indemnity Outside of Indemnity s normal operating and investing cash activities, future funding requirements could be met through: 1) Indemnity s cash and cash equivalents, which total approximately $49 million at December 31, 2013 , 2) a $100 million bank revolving line of credit held by Indemnity, and 3) liquidation of assets held in Indemnity s investment portfolio, including common stock, preferred stock, and investment grade bonds which totaled approximately $464 million at December 31, 2013 .
Exchange Outside of the Exchange s normal operating and investing cash activities, future funding requirements could be met through: 1) the Exchange s cash and cash equivalents, which total approximately $422 million at December 31, 2014 , 2) a $300 million bank revolving line of credit held by the Exchange, and 3) liquidation of assets held in the Exchange s investment portfolio, including common stock, preferred stock, and investment grade bonds which totaled approximately $12.1 billion at December 31, 2014 .
2
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[]
[ "Exchange", "Exchange", "Exchange", "Exchange", "Exchange", "12.1", "billion" ]
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922621_15_item7_p294_s2
922621_14_item7_p320_s0
Volatility in the financial markets could impair Indemnity s ability to sell certain of its fixed income securities or cause such securities to sell at deep discounts.
Volatility in these markets could impair our ability to sell certain of our fixed income securities or cause such securities to sell at deep discounts.
2
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922621_15_item7_p320_s0
922621_14_item7_p321_s1
As of December 31, 2013 , Indemnity has access to a $100 million bank revolving line of credit with a $25 million letter of credit sublimit that expires on November 3, 2018 .
As of December 31, 2014 , the Exchange has access to a $300 million bank revolving line of credit with a $25 million letter of credit sublimit that expires on October 25, 2018 .
2
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[]
[ "Exchange", "October" ]
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922621_15_item7_p320_s2
922621_14_item7_p321_s3
Indemnity had no borrowings outstanding on its line of credit as of December 31, 2013 .
The Exchange had no borrowings outstanding on its line of credit as of December 31, 2014 .
2
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[]
[ "Exchange" ]
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922621_15_item7_p320_s5
922621_14_item7_p322_s0
The bank requires compliance with certain covenants, which include leverage ratios.
The bank requires compliance with certain covenants, which include statutory surplus and risk based capital ratios.
2
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[]
[ "statutory", "surplus", "risk", "based", "capital" ]
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922621_15_item7_p320_s6
922621_14_item7_p322_s1
Indemnity was in compliance with its bank covenants at December 31, 2013 .
The Exchange was in compliance with its bank covenants at December 31, 2014 .
2
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[]
[ "Exchange" ]
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922621_15_item7_p314_s0
922621_14_item7_p323_s0
Exchange Outside of the Exchange s normal operating and investing cash activities, future funding requirements could be met through: 1) the Exchange s cash and cash equivalents, which total approximately $403 million at December 31, 2013 , 2) a $300 million bank revolving line of credit held by the Exchange, and 3) liquidation of assets held in the Exchange s investment portfolio, including common stock, preferred stock, and investment grade bonds which totaled approximately $11.6 billion at December 31, 2013 .
Indemnity Outside of Indemnity s normal operating and investing cash activities, future funding requirements could be met through: 1) Indemnity s cash and cash equivalents, which total approximately $92 million at December 31, 2014 , 2) a $100 million bank revolving line of credit held by Indemnity, and 3) liquidation of assets held in Indemnity s investment portfolio, including common stock, preferred stock, and investment grade bonds which totaled approximately $411 million at December 31, 2014 .
2
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[]
[ "Indemnity", "Indemnity", "Indemnity", "Indemnity", "Indemnity" ]
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922621_15_item7_p316_s0
922621_14_item7_p325_s1
As of December 31, 2013 , the Exchange has access to a $300 million bank revolving line of credit with a $25 million letter of credit sublimit that expires on October 25, 2018 .
As of December 31, 2014 , Indemnity has access to a $100 million bank revolving line of credit with a $25 million letter of credit sublimit that expires on November 3, 2018 .
2
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[ "As", "of", "December", "31", ",", "2013", ",", "the", "Exchange", "has", "access", "to", "a", "$", "300", "million", "bank", "revolving", "line", "of", "credit", "with", "a", "$", "25", "million", "letter", "of", "credit", "sublimit", "that", "expires", "on", "October", "25", ",", "2018", "." ]
[ "As", "of", "December", "31", ",", "2014", ",", "Indemnity", "has", "access", "to", "a", "$", "100", "million", "bank", "revolving", "line", "of", "credit", "with", "a", "$", "25", "million", "letter", "of", "credit", "sublimit", "that", "expires", "on", "November", "3", ",", "2018", "." ]
[]
[ "Indemnity", "November", "3" ]
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922621_15_item7_p316_s2
922621_14_item7_p325_s3
The Exchange had no borrowings outstanding on its line of credit as of December 31, 2013 .
Indemnity had no borrowings outstanding on its line of credit as of December 31, 2014 .
2
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[ "The", "Exchange", "had", "no", "borrowings", "outstanding", "on", "its", "line", "of", "credit", "as", "of", "December", "31", ",", "2013", "." ]
[ "Indemnity", "had", "no", "borrowings", "outstanding", "on", "its", "line", "of", "credit", "as", "of", "December", "31", ",", "2014", "." ]
[]
[ "Indemnity" ]
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922621_15_item7_p317_s0
922621_14_item7_p326_s0
The bank requires compliance with certain covenants, which include statutory surplus and risk based capital ratios.
The bank requires compliance with certain covenants, which include leverage ratios.
2
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[ "The", "bank", "requires", "compliance", "with", "certain", "covenants", ",", "which", "include", "statutory", "surplus", "and", "risk", "based", "capital", "ratios", "." ]
[ "The", "bank", "requires", "compliance", "with", "certain", "covenants", ",", "which", "include", "leverage", "ratios", "." ]
[]
[ "leverage" ]
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922621_15_item7_p317_s1
922621_14_item7_p326_s1
The Exchange was in compliance with its bank covenants at December 31, 2013 .
Indemnity was in compliance with its bank covenants at December 31, 2014 .
2
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[ "The", "Exchange", "was", "in", "compliance", "with", "its", "bank", "covenants", "at", "December", "31", ",", "2013", "." ]
[ "Indemnity", "was", "in", "compliance", "with", "its", "bank", "covenants", "at", "December", "31", ",", "2014", "." ]
[]
[ "Indemnity" ]
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922621_15_item7_p176_s0
922621_14_item7_p32_s1
Management fee revenue is based upon all premiums written or assumed by the Exchange and the management fee rate, which is not to exceed 25% .
Management fee revenue Management fee revenue is based upon all premiums written or assumed by the Exchange and the management fee rate, which is determined by our Board of Directors at least annually.
2
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[ "Management", "fee", "revenue", "Management", "fee", "revenue", "is", "based", "upon", "all", "premiums", "written", "or", "assumed", "by", "the", "Exchange", "and", "the", "management", "fee", "rate", ",", "which", "is", "determined", "by", "our", "Board", "of", "Directors", "at", "least", "annually", "." ]
[]
[ "determined", "Board", "Directors", "least", "annually" ]
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922621_15_item7_p307_s3
922621_14_item7_p333_s2
At December 31, 2013 , Indemnity s total commitment to fund limited partnerships that invest in private equity securities was $14 million , mezzanine debt was $9 million , and real estate activities was $6 million .
Of this amount, the total remaining commitment to fund limited partnerships that invest in private equity securities was $10 million , mezzanine debt securities was $9 million , and real estate activities was $5 million .
2
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[ "Of", "this", "amount", ",", "the", "total", "remaining", "commitment", "to", "fund", "limited", "partnerships", "that", "invest", "in", "private", "equity", "securities", "was", "$", "10", "million", ",", "mezzanine", "debt", "securities", "was", "$", "9", "million", ",", "and", "real", "estate", "activities", "was", "$", "5", "million", "." ]
[]
[ "amount", "remaining" ]
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922621_15_item7_p327_s3
922621_14_item7_p333_s2
At December 31, 2013 , Indemnity s total commitment to fund limited partnerships that invest in private equity securities was $14 million , mezzanine debt was $9 million , and real estate activities was $6 million .
At December 31, 2014 , the Exchange s total commitment to fund limited partnerships that invest in private equity securities was $141 million , mezzanine debt was $156 million , and real estate activities was $162 million .
2
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[]
[ "Exchange" ]
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922621_15_item7_p357_s0
922621_14_item7_p361_s0
Surplus Notes Indemnity holds a surplus note for $25 million from EFL that is payable on demand on or after December 31, 2018 ; however, no principal or interest payments may be made without prior approval by the Pennsylvania Insurance Commissioner.
The Exchange holds a surplus note for $20 million from EFL that is payable on demand on or after December 31, 2025 ; however, no principal or interest payments may be made without prior approval by the Pennsylvania Insurance Commissioner.
2
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[ "The", "Exchange", "holds", "a", "surplus", "note", "for", "$", "20", "million", "from", "EFL", "that", "is", "payable", "on", "demand", "on", "or", "after", "December", "31", ",", "2025", ";", "however", ",", "no", "principal", "or", "interest", "payments", "may", "be", "made", "without", "prior", "approval", "by", "the", "Pennsylvania", "Insurance", "Commissioner", "." ]
[]
[ "Exchange" ]
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922621_15_item7_p356_s0
922621_14_item7_p362_s0
The Exchange holds a surplus note for $20 million from EFL that is payable on demand on or after December 31, 2025 ; however, no principal or interest payments may be made without prior approval by the Pennsylvania Insurance Commissioner.
Surplus Notes Indemnity holds a surplus note for $25 million from EFL that is payable on demand on or after December 31, 2018 ; however, no principal or interest payments may be made without prior approval by the Pennsylvania Insurance Commissioner.
2
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[]
[ "Surplus", "Notes", "Indemnity" ]
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922621_15_item7_p34_s0
922621_14_item7_p36_s0
The p roperty and casualty insurance operations insure preferred and standard risks while maintaining a disciplined underwriting approach.
The property and casualty insurance operations insure preferred and standard risks while maintaining a disciplined underwriting approach.
2
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[]
[ "property" ]
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922621_15_item7_p3_s0
922621_14_item7_p3_s0
outcome of pending and potential litigation against Indemnity.
outcome of pending and potential litigation.
2
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[ "outcome", "of", "pending", "and", "potential", "litigation", "against", "Indemnity", "." ]
[ "outcome", "of", "pending", "and", "potential", "litigation", "." ]
[]
[]
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922621_15_item7_p20_s1
922621_14_item7_p45_s1
On that basis, for presentation purposes, the life insurance operations segment discussion includes the life insurance related investment results.
On that basis, for presentation purposes, the life insurance operations in the table above include life insurance related investment results.
2
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[]
[ "table", "include" ]
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922621_15_item7_p63_s1
922621_14_item7_p66_s1
A com prehensive review is performed of the various estimation methods and reserve levels produced by each.
A comprehensive review is performed of the various estimation methods and reserve levels produced by each.
2
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[ "A", "com", "prehensive", "review", "is", "performed", "of", "the", "various", "estimation", "methods", "and", "reserve", "levels", "produced", "by", "each", "." ]
[ "A", "comprehensive", "review", "is", "performed", "of", "the", "various", "estimation", "methods", "and", "reserve", "levels", "produced", "by", "each", "." ]
[]
[ "comprehensive" ]
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922621_15_item7_p289_s1
922621_14_item7_p89_s1
Consequently, in establishing reserves, we attempt to anticipate the potential impact of inflation, including medical cost inflation, construction and auto repair cost inflation and tort issues.
Consequently, in establishing premium rates, we attempt to anticipate the potential impact of inflation, including medical cost inflation, construction and auto repair cost inflation, and tort issues.
2
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[]
[ "premium", "rates" ]
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922621_15_item7_p96_s3
922621_14_item7_p98_s0
Workers compensation massive injury claims have been segregated from the total population of claims.
These claims have been segregated from the total population of claims.
2
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[ "Workers", "compensation", "massive", "injury", "claims", "have", "been", "segregated", "from", "the", "total", "population", "of", "claims", "." ]
[ "These", "claims", "have", "been", "segregated", "from", "the", "total", "population", "of", "claims", "." ]
[]
[]
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