Assurant (AIZ) risk factors: FY2025 10-K

1. We may be unable to find suitable acquisition candidates at attractive prices, integrate acquired businesses or divest of non-strategic businesses effectively, which could have a material adverse effect on our business, financial condition and results of operations.reworded
2. Our inability to successfully recover should we experience a business continuity event could have a material adverse effect on our business, financial condition and results of operations.
3. Failure to successfully manage vendors and other third parties could adversely affect our business.
4. We face risks associated with our international operations.
5. Sales of our products and services may decline if we are unable to develop and maintain distribution sources or attract and retain sales representatives and executives with key client relationships.
6. We face risks associated with joint ventures, franchises and investments in which we share ownership or management with third parties.
7. Negative publicity relating to our business, industry or clients may have a material adverse effect on our financial results.

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1. General economic, financial market and political conditions and conditions in the markets in which we operate may materially adversely affect our results of operations and financial condition.

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1. We may be unable to accurately predict and price for claims and other costs, which could reduce our profitability.
2. A credit rating agency downgrade of our corporate senior debt rating could materially and adversely impact our business.
3. An impairment of our goodwill or other intangible assets could materially adversely affect our results of operations and book value.
4. Failure to maintain effective internal control over financial reporting could have a material adverse effect on our business and stock price.
5. Unfavorable conditions in the capital and credit markets may significantly and adversely affect our access to capital and our ability to pay our debts or expenses.
6. Our investment portfolio is subject to market risk, including changes in interest rates, that may adversely affect our results of operations and financial condition.Interest rates
7. Our investment portfolio is subject to credit, liquidity and other risks that may adversely affect our results of operations and financial condition.
8. The value of our deferred tax assets could become impaired, which could materially and adversely affect our results of operations and financial condition.
9. Reinsurance may not be adequate or available to protect us against losses, and we are subject to the credit risk of reinsurers.
10. We are exposed to risks related to the creditworthiness and reporting systems of some of our agents, third-party administrators and clients.
11. Our ability to declare and pay dividends on our capital stock may be limited.
12. Actual results may differ materially from the analytical models we use to assist in our decision-making in key areas such as pricing, catastrophe risks, reserving and capital management.

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1. The failure to effectively maintain and modernize our technology systems and infrastructure and integrate those of acquired businesses could adversely affect our business.
2. We could incur significant liability if our technology systems or those of third parties are breached or we or third parties otherwise fail to protect the security of data residing on our respective systems, which could adversely affect our business and results of operations.

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1. We are subject to extensive laws and regulations, which increase our costs and could restrict the conduct of our business, and violations or alleged violations of such laws and regulations could have a material adverse effect on our reputation, business and results of operations.
2. Changes in tax laws and regulations could have a material adverse impact on our results of operations and financial condition.
3. The costs of complying with, or our failure to comply with, U.S. and foreign laws related to privacy, data security and data protection could adversely affect our financial condition, operating results and reputation.
4. Our business is subject to risks related to reductions in the insurance premium rates we charge.

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1. Our common stock may be subject to stock price and trading volume volatility.
2. Employee misconduct could harm us by subjecting us to significant legal liability, regulatory scrutiny and reputational harm.

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