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(Click for frequent words.) 60 COLI policies 59 insurance BOLI 58 BOLI 52 DAC unlock 51 COLI BOLI 50 BOLI COLI 50 b Excludes 50 DAC unlocking 49 GMIB 49 inforce 49 viatical settlements 49 Variable annuity 48 FAFLIC 48 policyholder dividends 48 stock basedcompensation 48 RiverSource Life 48 nonrecurring expenses 48 LILO transactions 48 AMEX Assurance 48 VUL 48 deferred annuities 48 amortizable 48 deferred variable annuity 47 GAFRI 47 Normalized EPS 47 GMDB 47 annuitization 47 NQDC plans 47 ChannelRe 47 FAS# R 47 ROTH IRA 47 Guaranteed Minimum Income 47 ROP Term 47 d Excludes 47 SFSB transaction 47 FDIC indemnification 47 GSCT program 47 d Represents 46 annuities 46 inventories revalued 46 DPAC amortization 46 variable annuity guarantees 46 Fixed Annuities 46 undistributed profits 46 PRE TAX OPERATING EARNINGS 46 FDIC indemnification asset 46 postretirement benefit 46 Variable Universal 46 recoverables 46 reinsurance commutations 46 nondeductible expenses 46 NQDC 46 fixed indexed annuities 46 LIFO accounting 46 NOL carryforwards 46 Adjustment Expenses 46 SFAS# 46 XLFA 46 securitized receivables 46 Partially offset 46 junior subordinated debentures 46 ULIPS 46 multiemployer 46 incentive accruals 46 Inviva 46 GMWBs 45 Separate Account 45 balance sheet deleveraging 45 Reinsurance Assumed 45 nonqualified deferred compensation 45 intercompany reinsurance 45 Torchmark 45 SFAS No.# 45 Expense Ratios 45 ceded reinsurance 45 debt extinguishments 45 Extra Ordinary Items 45 FASB Interpretation No. 45 warranty accruals 45 Medicare Advantage PFFS 45 Policyholder 45 Annuity Insurance 45 Unearned Premiums 45 Hedging Relationships 45 AFUDC equity 45 Items impacting comparability 45 lump sum distributions 45 OPEBs 45 infrequently occurring 45 Excludes amortization 45 FASB ASC 45 variable annuity 45 fixed annuities 45 c Represents 45 MACRS 45 actuarial liabilities 44 Indexed annuities 44 indexed annuity 44 AXA RE 44 - Adjusted [029] 44 Valuation allowance 44 Invested Capital ROIC 44 Promotions.com subsidiary 44 LIFO inventory valuation 44 Traditional IRAs 44 QSPEs 44 SILO LILO charges 44 FEGLI 44 f Represents 44 OREO valuation 44 EdgeStone Funds 44 actuarial calculations 44 Wiener Städtische 44 postretirement 44 EVLI 44 Individual Annuity 44 nonqualified retirement 44 deferred annuity 44 LAE reserves 44 c Reflects 44 nonqualified 44 Dividend reinvestment 44 MFB Corp 44 Annuity 44 preacquisition 44 annuity 44 amort 44 aC corporation 44 Balboa Reinsurance 44 OTTI charges 43 Taiping Life 43 PV originations 43 aftertax 43 Unizan merger 43 hedge ineffectiveness 43 adopting SFAS 43 Syncora Holdings 43 retrocessions 43 c Includes 43 unallocated expenses 43 undepreciated assets 43 operatingincome 43 carryforwards 43 MCCSR ratio 43 NON INTEREST EXPENSES Salaries 43 Fixed annuity 43 SILO transactions 43 accretable yield 43 - Adjusted [001] 43 adopting SFAS #R 43 Defined Benefit Plans 43 capitalizable 43 PUTs 43 Combined Ratio 43 CastlePoint Re 43 compensation accruals 43 interest entity VIE 43 depreciable assets 43 debt extinguishment 43 b Reflects 43 reinsurance recoverables 43 FIN #R 43 Plans ULIPs 43 grantor trusts 43 Income Annuities 43 deductible IRAs 43 SFAS# R 43 unrealized appreciation 43 unconsolidated investee 43 accrual 43 AEGON NV 43 Deductible 43 MuniPreferred 43 disqualifying dispositions 43 Adjusted diluted 43 - Non Shane Germann 43 Guaranteed Minimum Withdrawal 43 Gross Premiums Written 43 § #.#-# [007] 43 Defined Benefit DB 42 early extinguishments 42 loss NOL carryforward 42 - Adjusted [033] 42 PV NIM 42 Derivative Liabilities 42 Accounting Guideline 42 Unfunded Liability 42 Amortized 42 Fiserv ISS 42 CICA Section 42 nondeductible portion 42 postemployment benefits 42 LBDP 42 unamortized premiums 42 PREMIUMS 42 Visa indemnification 42 noninterest expense decreased 42 addback 42 withholdable payment 42 Radian Asset 42 variable annuities 42 equity indexed annuity 42 equity indexed annuities 42 EUR #,# Mio 42 Copano commodity 42 self insured retentions 42 - Adjusted [034] 42 intangible asset impairments 42 hedging derivative instruments 42 noninterest bearing deposits 42 Archer MSAs 42 modified coinsurance 42 loss carryforward 42 Incurred 42 -Ladies Auxiliary bingo 42 Defined Benefit 42 Pro forma EPS 42 FNMA preferred 42 d Reflects 42 Defined contribution 42 Pharmacia Monsanto 42 ASC #-#-# 42 FASB #R 42 VIEs 42 Xantic acquisition 42 Cashflows 42 Nonqualified 42 Conditional Asset 42 Folksamerica Reinsurance Company 42 Underwriting Income Loss 42 Pruco Life Insurance 42 keyman insurance 42 postretirement benefit expense 42 accretable 42 Rev. Rul 42 Och Ziff Operating 42 nonoperating expenses 42 Significant Items 42 Normalized EBITDA 42 WWS Divestiture 42 LIFO adjustments 42 #l k 42 Inventory Valuation 42 flow hedges 42 Premiums Written 42 HMO PPO 42 reinsurance treaties 42 multiemployer defined 42 Retirement Obligations 42 Cobalt Gordian 42 OPEB expense 42 LTCG 42 GAAP RATIOS 42 IRC § 42 INOVA Geophysical 42 Wajax Limited 42 FSAH acquisition 42 outwards reinsurance 42 RRGs 42 QSBS 42 NAIC RBC 42 -Alcampo 42 accretion DD & 42 xxxiii 42 Unrealised 42 SIMPLE IRAs 42 Unitrin Specialty 42 Annuities 42 Equity Investees 42 ROACE 42 IBNR reserves 42 -Edelsberg 42 Variable Annuity 42 Adjusted FIFO EBITDA 42 temporary impairments OTTI 42 OTTI charge 42 Markel Ventures 42 postretirement obligations 42 Section #/#K 42 Code § #A [002] 41 EITF #-# [001] 41 GMAB 41 reinsureds 41 NLASCO 41 StanCorp 41 ESPPs 41 rollover IRAs 41 Pro forma adjustments 41 UILIC 41 - Adjusted [022] 41 derivative instrument 41 HDHPs 41 Pro forma EBITDA 41 -Josephine Marcotty 41 Immediate Annuity 41 ceding commissions 41 Conseco Insurance 41 - Non GAAP [015] 41 MasterDex 41 Kingstone Insurance 41 excluding BIBP 41 nonvested 41 CICA Accounting Guideline 41 IBNR 41 premiums ceded 41 currency remeasurement 41 c Relates 41 depreciation depletion amortization 41 intangible assets impairment 41 Statutory surplus 41 NPREIT 41 subaccount 41 policyowner 41 CSRS Offset 41 SEK -#.# -#.# [003] 41 pension curtailment 41 Embedded Derivatives 41 Jeevan Akshay 41 synfuel 41 Earnout 41 Hedge ineffectiveness 41 SEK -# 41 LIFO adjustment 41 intercompany balances 41 FASB Statement #R 41 Health Savings Accounts 41 % unannualized 41 STRATTEC SECURITY CORPORATION 41 CAD#m [002] 41 intangible impairments 41 perpetual preferred 41 viaticals 41 Malakoff Mederic 41 Individual Annuities segment 41 FIN #R Consolidation 41 DAC offsets 41 Goodwill impairment charge 41 depreciation accretion 41 loss carrybacks 41 per dilutedshare 41 retroactive reinstatement 41 UPCIC 41 NAICO 41 Grandfathered Plans 41 LIFO liquidation 41 -PROCTOR Water 41 noncurrent liabilities 41 USLP Plan 41 Unusual Items 41 reinsurance 41 Non GAAP Diluted EPS 41 GMWB 41 actuarially determined 41 CGAAP 41 YonY 41 postretirement expense 41 MSR impairment 41 METLIFE 41 Folksamerica 41 nonforfeitable 41 Unallocated expenses 41 OREO write downs 41 - Adjusted [028] 41 actuarial valuations 41 nondeductible 41 AIFRS 41 Regulation XXX 41 EBIAT 41 Convertible Debt 41 interim condensed consolidated 41 Gramercy Realty 41 ANICO 41 SWDCC 41 HSAs HRAs 41 mandatorily redeemable 41 - AdjusETON 41 SMART# ® 41 Delvag 41 uncollectible reinsurance 41 CIC convertible debenture 41 intangible asset 41 postretirement benefit plans 41 LTCI 41 grantor trust 41 nonroutine income 41 severance accruals 41 Surrender Value 41 recourse indebtedness 41 noninterest expense partially offset 41 Earned premiums 41 underwritings 41 Goodwill Impairment 41 non recurring 41 FEHB 41 noncurrent assets 41 indexed annuities 41 items affecting comparability 41 Coverages 41 SCOR SE 41 - Adjusted [024] 41 - -seemingly unquenchable 41 PLIC 41 SEK -#.# [003] 41 WSFG 41 Ceded premiums 41 excludes unrealized gains 41 refundings 41 excluding MYA 41 Defined Contribution Plan 41 Termination Benefits 41 accruals 41 catastrophe reinsurance reinstatement 41 deferred variable annuities 41 - Adjusted [020] 41 -triseries 41 SHKPI 41 reinsurance ceded 41 Jerneh Insurance Berhad 41 -Caged Bird Sings 41 Parent Entity 41 PVNBP 41 Accelerated depreciation 40 FAS# [001] 40 Individual Annuities 40 unamortized portion 40 Variable Interest Entities VIEs 40 QPRT 40 -Commissioner Srinagar Mehraj 40 tax deductibility 40 exclude noncash 40 Noncash 40 Enson Assets Limited 40 nonoperating expense 40 Brokered CDs 40 elective deferrals 40 -blueberry barrens 40 Special Purpose Entities 40 Expensing 40 LIFO inventory reserve 40 Fixed annuities 40 acquiree 40 principal paydowns 40 EXPENSES Employee Compensation 40 asset impairments 40 - Non GAAP [014] 40 MHPAEA 40 GBP#.#b 40 Accounting Policies 40 AMLP 40 VDM Specialists 40 HRAs 40 profitsharing 40 Swap Transactions 40 Medicare Supplement Earned 40 - Non GAAP [001] 40 NPF VI 40 b Relates 40 LPT Agreement 40 Allstate Indemnity 40 credit carryforwards 40 millioncompared 40 ASC Topic #-# 40 c Excludes 40 BVPS 40 LIFO provision 40 NFPSI 40 - - Net [033] 40 -lipid nanoparticles 40 Excluding goodwill impairment 40 Innovis Entities 40 AultCare 40 Aon Warranty Group 40 FSP FAS #-# 40 SPN Resources 40 reserve reestimates 40 Golden Goliath Uruachic 40 - - Non arachnophobes 40 Sabvest 40 SFAS#R 40 Position EITF #-#-# 40 Discontinued Lines 40 FFO FAD 40 SBLIC 40 Clarica brand 40 Curvalue 40 FSP #-# 40 adopting IFRS 40 Interest Expenses Salaries 40 - -Guldeniz 40 Defined benefit 40 NOPAT 40 intangibles amortization 40 Mortgage Servicing Rights 40 Comparable Basis 40 Visa MasterCard antitrust 40 FSP APB #-# 40 affecting mortality morbidity 40 Synthetic Fuel 40 Reconciling Items 40 LIFO inventory adjustments 40 subchapter S corporation 40 profi t 40 prioryear 40 IRAs annuities 40 Allmerica 40 Vitality Re 40 FASB ASC #-# 40 Persistency 40 AASB #-# Amendments 40 Indexed Universal 40 trust preferreds 40 accrual reversal 40 collateralized reinsurance 40 Variable annuities 40 Projected FFO 40 commodity derivative instruments 40 FHLMC preferred stock 40 Retirement Plan 40 USAllianz 40 Mr. Mathas 40 THB# #mn 40 VALIC 40 STOLI 40 IRA Roth IRA 40 Ulip 40 VGLI 40 Accounting Guideline AcG 40 Actuarial Guideline 40 unamortized deferred 40 captive reinsurance 40 NATRECOR 40 temporary impairments 40 - - Net [047] 40 HuRLOs 40 MEP Joint Venture 40 expenses LOE 40 FSP EITF #-#-# [001] 40 NextRx 40 non capitalizable 40 finite reinsurance contracts 40 receivables securitization 40 Stable Value 40 Contribution Limits 40 Aon Benfield restructuring 40 EnPro consolidated 40 identifiable intangibles 40 Adjusted EBITDA excludes 40 STOCK BASED COMPENSATION 40 MCCSR 40 - Adjusted [015] 40 balance sheet securitizations 40 VNB 40 adopting FIN 40 Intesa Vita 40 reimbursement arrangements HRAs 40 Indemnities 40 CRIIMI MAE 40 Fixed Annuity 40 Specified Investment 40 Coverdells 40 Operating Expense Ratio 40 excluding unrealized gains 40 reinsurance commutation 40 Kereco 40 deductible goodwill impairment 40 Unvested 40 Non recurring 40 SF CDO exposure 40 ARFs 40 BIBP 40 FAS #R Share 40 - Adjusted [019] 40 MPS Vita 40 FAS CAS Pension 40 AJCA 40 disciplined underwriting 40 IRAs Roth IRAs 40 Admin Re 40 Unibanco AIG 40 defeased loans 40 SEPs 40 Gross Written Premiums 40 finite reinsurance 40 fiscal# 40 ASSET RETIREMENT OBLIGATIONS 40 Roth IRA withdrawals 40 IRAs #Ks 40 NOLs 40 Compensation Expense 40 Employee Ownership Foundation 40 Noninterest expenses 40 medigap 40 Asset Retirement Obligation 40 Ulips 40 Curtailment gain 40 Generali Pilipinas 40 Canaccord Relief Program 40 Restructuring asset impairments 40 Consolidated EBITDAR 40 Magazine newstand price 40 LIFO inventory 40 Statutory Accounting Principles 40 Non GAAP adjusted EBITDA 40 Pro Forma EBITDA 40 dealer floorplan ABS 40 Donegal Mutual 40 - Adjusted [006] 39 KICO 39 adopted SFAS #R 39 Guaranteed Lifetime 39 Debt Extinguishment 39 dealer holdback 39 excluding goodwill impairment 39 Debt Settlement Agreements 39 Astaris joint venture 39 loss carryovers 39 Unrealized Loss 39 -Al Shuaibi 39 Coinsurance 39 Life Insurance 39 SFAS No. 39 ASC Topic 39 EBITDAO 39 MSR valuation 39 concessionally taxed 39 nongroup 39 SEK -#.# [002] 39 FAS CAS pension 39 - - [054] 39 notional amounts 39 Social Security COLAs 39 - -Belusko 39 contingently convertible securities 39 Delvag Rueck 39 loss carryforwards 39 lapsation 39 Medicare Advantage MLR 39 hedging instruments 39 viatical settlement 39 EUR# mn [001] 39 noncash impairments 39 -TUMS 39 MFFO 39 UTMA accounts 39 PGP Acquisition 39 unamortized debt 39 noninterest bearing checking 39 Unitrin 39 earnings pershare 39 PTPP 39 AmerUs Group 39 unitised 39 No. #R 39 unamortized financing 39 NMHG Retail 39 nonstandard automobile 39 Transatlantic Holdings TRH 39 LAE ratio 39 Code Sec 39 Incurred losses 39 FIFO inventory 39 #R Share 39 QSI segment certain 39 EUR -#.# -#.# [001] 39 Postemployment 39 CIIH 39 First Allmerica Financial 39 ESPP 39 Noninterest 39 pension S2P 39 Assurant Preneed 39 Erie Indemnity 39 CICA Handbook section 39 accretion expense 39 IncomeFlex 39 Conning Asset Management 39 Uncompensated 39 NOL utilization 39 lien RMBS 39 carryforward 39 recoupments 39 subaccounting 39 #.# perdiluted 39 MGIC Radian 39 Stub Period 39 Expense Benefit 39 LIFO inventory decrement 39 Medicare Part 39 ESOPs 39 APB# 39 Realised gains 39 LMGI 39 EquiTrust 39 Brooks Eckerd acquisition 39 c Calculated 39 ALTIN 39 PLR # 39 includible 39 securitization exposures 39 ING Asigurari de Viata 39 Kingstone Cos. Inc. 39 intangible amortization 39 YoverY 39 escheat laws 39 Non GAAP adjustments 39 SFAS 39 Flow Through SIFT 39 Scrip Dividend Scheme 39 derivative contracts 39 derivative instruments 39 identifiable intangible 39 expense LOE 39 RAAs 39 income1 39 CDO financings 39 NON CASH INVESTING 39 Asset Impairment 39 Adjusted EBTIDA 39 SunAmerica Financial 39 undepreciated 39 Defined Benefit Plan 39 excludes depreciation amortization 39 American Amicable 39 unrealized derivative 39 unamortized discount 39 reclassed 39 DIM Vastgoed 39 SFSB Inc. 39 noninterest expenses 39 VIST Insurance 39 Fairquest 39 Consolidated OIBDA 39 readily determinable 39 mutualized 39 nonaccrual loan 39 non gaap 39 SIFTs 39 undistributed earnings 39 interest entities VIEs 39 Nationwide YourLife 39 receivable securitization 39 f Reflects 39 LIFO inventory valuations 39 acquisitions divestitures strategic alliances 39 unamortized issuance costs 39 Health Reimbursement Arrangement 39 Variable Annuity Life 39 AFLIC 39 Qualified Retirement 39 intangible impairment 39 NextRx pharmacy benefit 39 Gaap 39 - Non GAAP [028] 39 Expense ratio 39 nondeductible IRAs 39 Insureds 39 MNYL 39 nbAccelerator 39 #k #b 39 Restructuring impairment 39 j Includes 39 DISCUSSION AND POSSIBLE APPROVAL 39 Withdrawal Benefit 39 LibertyBank Acquisition 39 § #A [003] 39 Policyholders dividends 39 Unitrin Direct segment 39 Specified Items 39 QSPE 39 SecurePath 39 - Adjusted [016] 39 ILIT 39 HRBFA 39 ASC #-# 39 Timeshare segment 39 NWD Investment 39 PERILS 39 asset impairments restructuring 39 RIMS Benchmark Survey 39 - EBITDA [003] 39 Symphony GenIsis 39 IFRS changeover 39 Plans ESOPs 39 - Adjusted [010] 39 Mangazeisky Project 39 REIT Exemption 39 alternate payee 39 + Stable/- 39 premiums 39 mezzanine financings 39 retrospectively adjusted 39 Syncora Holdings Ltd. 39 Vyvx Advertising Distribution 39 reinsuring 39 MullinTBG 39 reinsurance cessions 39 USHEALTH Group Inc. 39 Unamortized discount 39 reinstatement premiums 39 policyholder 39 Contingent Consideration 39 Unitholder distributions 39 SIMPLE IRA 39 Adjusted Diluted EPS 39 PERH 39 AGCS AG 39 #.#/BOE [002] 39 Convertible debenture 39 leaseback transactions 39 actuarial soundness 39 SEP IRAs 39 Mileage Rates 39 annuitized 39 Reinsurance recoverables 39 - -DARDEN 39 b Represents 39 mortgage loan originations 39 Than Temporary Impairments 39 GNY 39 NYSHIP 38 Birner Dental 38 HSAs 38 Reclassifications 38 High Deductible 38 Restricted Share 38 NETg acquisition 38 perpetual debentures 38 EUR1 #mn 38 receivables factoring 38 Lubrizol Additives segment 38 noncash writedown 38 Carrier ARW 38 LSA RS #:# [001] 38 Cleartel 38 liabilities# [001] 38 Contingent consideration 38 EMEA Subsidiaries 38 Excludes goodwill 38 Altegris Companies 38 written NPW 38 LTCi 38 EGTRRA 38 FIAs 38 Disinterested shareholders 38 Convertible Preferred Shares 38 PacificMas 38 ULIPs 38 SCOR Vie 38 LifeGuard Freedom 38 incentive LTI 38 ONEOK Partners segment 38 NATIXIS 38 Liquidation Preference 38 excluding nonrecurring 38 Nipponkoa 38 CORPORATE AND OTHER 38 viatical 38 Earned Premiums 38 MSEK -# [002] 38 intercompany loans 38 -Senanu 38 AXXX 38 AgriFinancial 38 accrual reversals 38 Bexil 38 medically underwritten 38 Cumulative Redeemable Convertible Preferred 38 Covered Calls 38 Simplified Employee Pensions 38 Drivetrain segment 38 UNUSUAL ITEMS 38 Non Recurring 38 - Non GAAP [009] 38 Southside Bancshares 38 TRUPS 38 unaudited consolidated balance sheets 38 unevaluated properties 38 valuation adjustments 38 FHLB advances decreased 38 AmAssurance 38 Informal Agreements 38 Hardwoods LP 38 Chemicals Segment 38 #,#,# #,#,# #,#,# #,#,# [001] 38 Endo Pharma LLC 38 Adjusted Gross Profit 38 Converium Holding AG 38 AmerUs 38 IncomePlus 38 noncancelable 38 Therics LLC 38 allowable deductions 38 MEDICAID 38 intersegment revenues 38 KFSI 38 Realized gains 38 elective deferral 38 annuitant 38 NON INTEREST EXPENSE Salaries 38 Health Reimbursement Account 38 discount accretion 38 Dollar denominated 38 CapMan Plc 38 ESOP 38 subchapter S 38 netincome 38 guaranty insurers 38 STOLI transactions 38 Code Section #A 38 Business.com Acquisition 38 LIMRA 38 Qualcomm Strategic Initiatives 38 -GUSTAV SANDSTROM 38 -Artunduaga 38 operating loss carryforwards 38 Customer Repo 38 Variable Annuities 38 unrealized gains 38 Aegon NV -#.# 38 LTCH PPS 38 Catastrophe losses 38 unrealized derivative gains 38 Livestock Gross Margin 38 Fortegra Financial 38 Unrealised gains 38 policyholder surplus 38 HEALTH INSURANCE 38 Overhead Expense 38 Repurchased 38 surance 38 joint ventures strategic alliances 38 Navigators Specialty 38 EUR#b 38 UPREIT 38 Loan originations 38 AmCOMP 38 Century Indemnity 38 IFS Ratings 38 nonadmitted 38 Trups 38 Deferred Compensation Plans 38 Term Securitization 38 Genworth Financial NYSE GNW 38 Ps.#.# [002] 38 FIGA assessment 38 ULIP 38 FRBNY Facility 38 LIFO 38 Tecstar Automotive Group 38 LIFO inventory accounting 38 excluding depreciation depletion 38 Medicare Set Asides 38 ultrashort bond 38 - -Labyer 38 Realizable Value 38 goodwill impairments 38 Allianz Leben 38 CNY# #mn 38 demutualizations 38 INSURANCE 38 TIAA Traditional 38 PVNBP basis 38 Assistance Program NAP 38 Diluted earnings 38 operating income1 38 Accelerated Depreciation 38 Compensation Expenses 38 noninterest expense 38 FDIC TLGP 38 Intangibles amortization 38 Ansvar 38 Impairment Charges 38 Share repurchases 38 NYSE AEL 38 Floating Contracts 38 - -champioship 38 Transsib Re 38 FASB Statement 38 c Consists 38 unrealized losses 38 - Loss [020] 38 Hiscox Bermuda 38 reinsurance recoverable 38 Unconsolidated Investments 38 BrasilPrev 38 Franchised restaurants 38 pd ratings 38 Cumulative Perpetual Preferred Stock 38 unrealized gains losses 38 EURO#.# [002] 38 foreign currency remeasurement 38 grantor retained annuity 38 NBV margin 38 Foreign Currency Translation 38 China LIfe Insurance 38 value reductions MVRs 38 insureds 38 Transamerica Retirement 38 Normalised earnings