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Item 15. Exhibits and Financial Statement Schedules

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Item 15. Exhibits and Financial Statement Schedules

(a)(1) Consolidated Financial Statements

The following Consolidated Financial Statements of Assurant, Inc. are attached hereto:

Page Number
Consolidated Financial Statements of Assurant, Inc.
Report of Independent Registered Public Accounting Firm (PCAOB ID 238)F-1
Consolidated Balance Sheets as of December 31, 2025 and 2024F-3
Consolidated Statements of Operations For Years Ended December 31, 2025, 2024 and 2023F-4
Consolidated Statements of Comprehensive Income For Years Ended December 31, 2025, 2024 and 2023F-5
Consolidated Statements of Changes in Stockholders’ Equity For Years Ended December 31, 2025, 2024 and 2023F-6
Consolidated Statements of Cash Flows For Years Ended December 31, 2025, 2024 and 2023F-7
Notes to the Consolidated Financial StatementsF-8

(a)(2) Consolidated Financial Statement Schedules

The following Consolidated Financial Statement Schedules of Assurant, Inc. are attached hereto:

Schedule I – Summary of Investments Other Than Investments in Related Parties as of December 31, 2025F-72
Schedule II – Parent Only Condensed Financial Statements as of December 31, 2025 and 2024 and for Years Ended December 31, 2025, 2024 and 2023F-73
Schedule III – Supplementary Insurance Information as of December 31, 2025, 2024 and 2023F-78
Schedule IV – Reinsurance as of December 31, 2025, 2024 and 2023F-79
Schedule V – Valuation and Qualifying Accounts as of December 31, 2025, 2024 and 2023F-80

*All other financial statement schedules are omitted because they are not applicable or not required or the information is included in the Consolidated Financial Statements or the notes thereto.

(a)(3) Exhibits

The following exhibits either (a) are filed with this Report or (b) have previously been filed with the SEC and are incorporated herein by reference to those prior filings.

Exhibit NumberExhibit Description
3.1Restated Certificate of Incorporation of Assurant, Inc., effective as of May 21, 2025 (incorporated by reference from Exhibit 3.3 to the Registrant’s Current Report on Form 8-K, originally filed on May 23, 2025).
3.2Amended and Restated By-laws of Assurant, Inc., effective as of May 21, 2025 (incorporated by reference from Exhibit 3.4 to the Registrant’s Current Report on Form 8-K, originally filed on May 23, 2025).
4.1Specimen Common Stock Certificate (incorporated by reference from Exhibit 4.1 to the Registrant’s Registration Statement on Form S-1/A and amendments thereto, originally filed on January 13, 2004).
4.2Senior Debt Indenture, dated as of February 18, 2004, between Assurant, Inc. and U.S. Bank Trust Company, National Association (successor to Sun Trust Bank), as trustee (incorporated by reference from Exhibit 10.27 to the Registrant’s Annual Report on Form 10-K, originally filed on March 30, 2004).
4.3Indenture, dated as of March 28, 2013, between Assurant, Inc. and U.S. Bank Trust Company, National Association (successor to U.S. Bank National Association), as trustee (incorporated by reference from Exhibit 4.1 to the Registrant’s Form 8-K, originally filed on March 28, 2013).
4.4First Supplemental Indenture, dated as of February 28, 2023, between Assurant, Inc. and U.S. Bank Trust Company, National Association (successor to U.S. Bank National Association), as trustee (incorporated by reference from Exhibit 4.2 to the Registrant’s Form 8-K, originally filed on February 28, 2023).
4.5Subordinated Indenture, dated as of March 27, 2018, between Assurant, Inc. and U.S. Bank Trust Company, National Association (successor to U.S. Bank National Association), as trustee (incorporated by reference from Exhibit 4.2 to the Registrant’s Current Report on Form 8-K, originally filed on March 27, 2018).
4.6Description of the Registrant’s Securities.
4.7Pursuant to Item 601(b)(4)(iii) of Regulation S-K, the Registrant hereby agrees to furnish to the SEC, upon request, a copy of any other instrument defining the rights of holders of long-term debt of the Registrant and its subsidiaries.
10.1Form of Assurant, Inc. Restricted Stock Unit Award Agreement for Time-Based Awards for Directors, effective as of January 1, 2013 (incorporated by reference from Exhibit 10.2 to the Registrant’s Annual Report on Form 10-K, originally filed on February 20, 2013). *
10.2Form of Assurant, Inc. Restricted Stock Unit Award Agreement for Time-Based Awards for Directors, effective as of January 1, 2013 (incorporated by reference from Exhibit 10.3 to the Registrant’s Annual Report on Form 10-K, originally filed on February 20, 2013). *
10.3Amended and Restated Assurant, Inc. Long Term Equity Incentive Plan, effective as of January 1, 2012 (incorporated by reference from Exhibit 10.15 to the Registrant’s Annual Report on Form 10-K, originally filed on February 23, 2012). *
10.4Form of Assurant, Inc. Restricted Stock Unit Award Agreement for Time-Based Awards for Directors, under the Assurant, Inc. 2017 Long Term Equity Incentive Plan (incorporated by reference from Exhibit 10.1 to the Registrant’s Form S-8, originally filed on May 12, 2017). *
10.5Form of Assurant, Inc. Restricted Stock Unit Award Agreement for Time-Based Awards for Non-Employee Directors, effective as of January 18, 2023 (incorporated by reference from Exhibit 10.1 to the Registrant’s Current Report on Form 8-K, originally filed on March 13, 2023). *
10.6Form of Assurant, Inc. Restricted Stock Unit Award Agreement for Time-Based Awards, effective as of January 18, 2023 (incorporated by reference from Exhibit 10.1 to the Registrant’s Quarterly Report on Form 10-Q, originally filed on May 4, 2023). *
10.7Assurant, Inc. 2017 Long Term Equity Incentive Plan, as amended (incorporated by reference from Exhibit 10.1 to the Registrant’s Current Report on Form 8-K, originally filed on May 14, 2021). *
10.8Assurant, Inc. 2017 Long Term Equity Incentive Plan, as amended and restated as of December 2, 2022 (incorporated by reference from Exhibit 10.8 to the Registrant’s Annual Report on Form 10-K, originally filed on February 17, 2023). *
10.9Assurant, Inc. 2017 Long Term Equity Incentive Plan, as amended and restated as of November 8, 2023 (incorporated by reference from Exhibit 10.10 to the Registrant’s Annual Report on Form 10-K, originally filed on February 15, 2024). *
10.10Amended and Restated Assurant, Inc. Executive Short Term Incentive Plan, effective as of November 18, 2024 (incorporated by reference from Exhibit 10.12 to the Registrant’s Annual Report on Form 10-K, originally filed on February 20, 2025). *
10.11Amended and Restated Assurant Deferred Compensation Plan, effective as of January 1, 2025 (incorporated by reference from Exhibit 10.13 to the Registrant’s Annual Report on Form 10-K, originally filed on February 20, 2025). *
10.12Assurant Executive Pension Plan, amended and restated, effective as of January 1, 2009 (incorporated by reference from Exhibit 10.15 to the Registrant’s Annual Report on Form 10-K, originally filed on February 27, 2009). *
10.13Amendment No. 1 to the Assurant Executive Pension Plan, effective as of January 1, 2009 (incorporated by reference from Exhibit 10.33 to the Registrant’s Annual Report on Form 10-K, originally filed on February 23, 2012). *
10.14Amendment No. 2 to the Assurant Executive Pension Plan, effective as of January 1, 2010 (incorporated by reference from Exhibit 10.34 to the Registrant’s Annual Report on Form 10-K, originally filed on February 23, 2012). *
10.15Amendment No. 3 to the Assurant Executive Pension Plan, effective as of December 31, 2013 (incorporated by reference from Exhibit 10.38 to the Registrant’s Annual Report on Form 10-K, originally filed on February 19, 2014). *
10.16Amendment No. 4 to the Assurant Executive Pension Plan, effective as of February 29, 2016 (incorporated by reference from Exhibit 10.1 to the Registrant’s Quarterly Report on Form 10-Q, originally filed on May 3, 2016). *
10.17Amendment No. 5 to the Assurant Executive Pension Plan, as amended and restated, effective as of January 1, 2025 (incorporated by reference from Exhibit 10.19 to the Registrant’s Annual Report on Form 10-K, originally filed on February 20, 2025). *
10.18Assurant Executive 401(k) Plan, amended and restated, effective as of January 1, 2014 (incorporated by reference from Exhibit 10.1 to the Registrant’s Quarterly Report on Form 10-Q, originally filed on April 29, 2014). *
10.19Amendment No. 1 to the Assurant Executive 401(k) Plan, as amended and restated, effective as of March 1, 2016 (incorporated by reference from Exhibit 10.27 to the Registrant’s Annual Report on Form 10-K, originally filed on February 14, 2017). *
10.20Amendment No. 2 to the Assurant Executive 401(k) Plan, as amended and restated, effective as of January 1, 2017 (incorporated by reference from Exhibit 10.29 to the Registrant’s Annual Report on Form 10-K, originally filed on February 14, 2018). *
10.21Amendment No. 3 to the Assurant Executive 401(k) Plan, as amended and restated, effective as of January 1, 2025 (incorporated by reference from Exhibit 10.23 to the Registrant’s Annual Report on Form 10-K, originally filed on February 20, 2025). *
10.22Form of Assurant, Inc. Change in Control Agreement, effective as of November 18, 2024 (incorporated by reference from Exhibit 10.24 to the Registrant’s Annual Report on Form 10-K, originally filed on February 20, 2025). *
10.23Form of Assurant, Inc. Change in Control Agreement, effective as of November 18, 2024 (California Version) (incorporated by reference from Exhibit 10.25 to the Registrant’s Annual Report on Form 10-K, originally filed on February 20, 2025). *
10.24Assurant, Inc. Amended and Restated Directors Compensation Plan, effective as of May 21, 2025 (incorporated by reference from Exhibit 10.5 to the Registrant’s Quarterly Report on Form 10-Q, originally filed on August 7, 2025). *
10.25Form of Assurant, Inc. Restricted Stock Unit Award Agreement for Performance-Based Awards, effective as of January 18, 2023 (incorporated by reference from Exhibit 10.2 to the Registrant’s Quarterly Report on Form 10-Q, originally filed on May 4, 2023). *
10.26Separation Agreement, dated as of November 14, 2023, by and between Assurant, Inc. and Richard Dziadzio (incorporated by reference from Exhibit 10.36 to the Registrant’s Annual Report on Form 10-K, originally filed on February 15, 2024). *
10.27Third Amended and Restated Credit Agreement, effective as of June 18, 2025, among Assurant, Inc., as borrower, certain lenders party thereto, JPMorgan Chase Bank, N.A., as administrative agent, and Wells Fargo Bank, National Association, as syndication agent (incorporated by reference from Exhibit 10.1 to the Registrant’s Current Report on Form 8-K, originally filed on June 18, 2025).
10.28Purchase and Sale Agreement, dated as of January 22, 2025, between American Bankers Life Assurance Company of Florida (a subsidiary of the Registrant), as seller, and GPC Miami Business Park, LLC, as buyer (incorporated by reference from Exhibit 10.32 to the Registrant’s Annual Report on Form 10-K, originally filed on February 20, 2025).+
10.29First Amendment to Purchase and Sale Agreement, effective as of April 18, 2025, between American Bankers Life Assurance Company of Florida (a subsidiary of the Company), as seller, and GPC Miami Business Park, LLC, as buyer (incorporated by reference from Exhibit 10.1 to the Registrant’s Quarterly Report on Form 10-Q, originally filed on August 7, 2025). +
10.30Second Amendment to Purchase and Sale Agreement, effective as of May 1, 2025, between American Bankers Life Assurance Company of Florida (a subsidiary of the Company), as seller, and GPC Miami Business Park, LLC, as buyer (incorporated by reference from Exhibit 10.2 to the Registrant’s Quarterly Report on Form 10-Q, originally filed on August 7, 2025). +
10.31Third Amendment to Purchase and Sale Agreement, effective as of May 5, 2025, between American Bankers Life Assurance Company of Florida (a subsidiary of the Company), as seller, and GPC Miami Business Park, LLC, as buyer (incorporated by reference from Exhibit 10.3 to the Registrant’s Quarterly Report on Form 10-Q, originally filed on August 7, 2025). +
10.32Fourth Amendment to Purchase and Sale Agreement, effective as of May 7, 2025, between American Bankers Life Assurance Company of Florida (a subsidiary of the Company), as seller, and GPC Miami Business Park, LLC, as buyer (incorporated by reference from Exhibit 10.4 to the Registrant’s Quarterly Report on Form 10-Q, originally filed on August 7, 2025). +†
19Assurant, Inc. Insider Trading Policy (incorporated by reference from Exhibit 19 to the Registrant’s Annual Report on Form 10-K, originally filed on February 20, 2025).+
21Subsidiaries of the Registrant.
23Consent of PricewaterhouseCoopers LLP.
24Power of Attorney.
31.1Rule 13a-14(a)/15d-14(a) Certification of Principal Executive Officer.
31.2Rule 13a-14(a)/15d-14(a) Certification of Principal Financial Officer.
32.1Certification of Chief Executive Officer of Assurant, Inc. pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.
32.2Certification of Chief Financial Officer of Assurant, Inc. pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of the Sarbanes-Oxley Act of 2002.
97Assurant, Inc. Compensation Clawback Policy, effective as of October 2, 2023 (incorporated by reference from Exhibit 97 to the Registrant’s Annual Report on Form 10-K, originally filed on February 15, 2024). *
101The following materials from the Registrant’s Annual Report on Form 10-K for the fiscal year ended December 31, 2025, formatted in XBRL (Extensible Business Reporting Language): (i) the Consolidated Balance Sheets, (ii) the Consolidated Statements of Operations, (iii) the Consolidated Statements of Comprehensive Income, (iv) the Consolidated Statements of Changes in Stockholders’ Equity, (v) the Consolidated Statements of Cash Flows and (vi) Notes to the Consolidated Financial Statements.
104Cover Page Interactive Data File (embedded within the Inline XBRL document).

*Management contract or compensatory plan.

+Portions of this exhibit have been redacted in compliance with Regulation S-K Item 601(b)(10)(iv).

†The exhibit to the Fourth Amendment to Purchase and Sale Agreement has been omitted pursuant to Item 601(a)(5) of Regulation S-K. The Company

agrees to furnish supplementally to the SEC a copy of the omitted exhibit upon request by the SEC.

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