Assurant 2014 Annual Report Download - page 13

Download and view the complete annual report

Please find page 13 of the 2014 Assurant annual report below. You can navigate through the pages in the report by either clicking on the pages listed below, or by using the keyword search tool below to find specific information within the annual report.

Page out of 161

  • 1
  • 2
  • 3
  • 4
  • 5
  • 6
  • 7
  • 8
  • 9
  • 10
  • 11
  • 12
  • 13
  • 14
  • 15
  • 16
  • 17
  • 18
  • 19
  • 20
  • 21
  • 22
  • 23
  • 24
  • 25
  • 26
  • 27
  • 28
  • 29
  • 30
  • 31
  • 32
  • 33
  • 34
  • 35
  • 36
  • 37
  • 38
  • 39
  • 40
  • 41
  • 42
  • 43
  • 44
  • 45
  • 46
  • 47
  • 48
  • 49
  • 50
  • 51
  • 52
  • 53
  • 54
  • 55
  • 56
  • 57
  • 58
  • 59
  • 60
  • 61
  • 62
  • 63
  • 64
  • 65
  • 66
  • 67
  • 68
  • 69
  • 70
  • 71
  • 72
  • 73
  • 74
  • 75
  • 76
  • 77
  • 78
  • 79
  • 80
  • 81
  • 82
  • 83
  • 84
  • 85
  • 86
  • 87
  • 88
  • 89
  • 90
  • 91
  • 92
  • 93
  • 94
  • 95
  • 96
  • 97
  • 98
  • 99
  • 100
  • 101
  • 102
  • 103
  • 104
  • 105
  • 106
  • 107
  • 108
  • 109
  • 110
  • 111
  • 112
  • 113
  • 114
  • 115
  • 116
  • 117
  • 118
  • 119
  • 120
  • 121
  • 122
  • 123
  • 124
  • 125
  • 126
  • 127
  • 128
  • 129
  • 130
  • 131
  • 132
  • 133
  • 134
  • 135
  • 136
  • 137
  • 138
  • 139
  • 140
  • 141
  • 142
  • 143
  • 144
  • 145
  • 146
  • 147
  • 148
  • 149
  • 150
  • 151
  • 152
  • 153
  • 154
  • 155
  • 156
  • 157
  • 158
  • 159
  • 160
  • 161

Table of Contents
PART I
3
ITEM 1
Business ........................................................................................................................................................................................................................... 3
ITEM 1A
Risk Factors ............................................................................................................................................................................................................. 15
ITEM 1B
Unresolved Staff Comments ............................................................................................................................................................. 29
ITEM 2
Properties .................................................................................................................................................................................................................. 29
ITEM 3
Legal Proceedings ......................................................................................................................................................................................... 29
ITEM 4
Mine Safety Disclosures .......................................................................................................................................................................... 29
PART II
30
ITEM 5
Market for Registrant’s Common Equity, Related Stockholder Matters
and Issuer Purchases of Equity Securities ......................................................................................................................... 30
ITEM 6
Selected Financial Data ........................................................................................................................................................................... 32
ITEM 7
Management’s Discussion and Analysis of Financial Condition
and Results of Operations ..................................................................................................................................................................... 33
ITEM 7A
Quantitative and Qualitative Disclosures About Market Risk ................................................................... 62
ITEM 8
Financial Statements and Supplementary Data ........................................................................................................ 66
ITEM 9
Changes in and Disagreements with Accountants on Accounting
and Financial Disclosure ......................................................................................................................................................................... 66
ITEM 9A
Controls and Procedures ......................................................................................................................................................................... 66
ITEM 9B
Other Information ........................................................................................................................................................................................... 67
PART III
68
ITEM 10
Directors, Executive Offi cers and Corporate Governance ........................................................................... 68
ITEM 11
Executive Compensation ........................................................................................................................................................................ 68
ITEM 12
Security Ownership of Certain Benefi cial Owners and Management
and Related Stockholder Matters ................................................................................................................................................ 69
ITEM 13
Certain Relationships and Related Transactions, and Director Independence ................... 69
ITEM 14
Principal Accounting Fees and Services .............................................................................................................................. . 69
PART IV
70
ITEM 15
Exhibits and Financial Statement Schedules................................................................................................................. 70
SIGNATURES
............................................................................................................................................................................................................................................ 74