Assurant 2008 Annual Report Download

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Please find the complete 2008 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.

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Table of contents

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    01 Strong Financial Foundation 02 Disciplined Risk Management 03 Diversified Specialty Strategy 04 Alignment with Market Leaders 05 Customer-centric Focus 06 Customized Administrative Capabilities 07 Leadership Culture 08 Long-term Value

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    ... is helping us navigate through these challenging economic times. 01 02 03 04 05 06 07 08 Strong Financial Foundation Disciplined Risk Management Diversified Specialty Strategy Alignment with Market Leaders Customer-centric Focus Customized Administrative Capabilities Leadership Culture Long-term...

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    ... $3.75 2006 $4.68 2008 Operating Earnings Per Diluted Share Financial Highlights U.S. Dollars in Millions 2008 2007 2006 2005 Total ...2008 Year-End Excess Capital 16.7% 15.1% 15.1% 2008 1~Assurant uses net operating income (a non-GAAP financial measure) as an important measure of the company...

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    ... - - 2006 President, FedEx Express - Latin American & Caribbean Division Allen R. Freedman - - 1979 Owner and Principal, arfreedman&co; former Chairman and Chief Executive Officer, Assurant David B. Kelso - - 2007 Financial Advisor, Kelso Advisory Services Charles John Koch - - 2005 Former Chairman...

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    ... include extended service contracts on major purchases to protect against costly repairs; creditor-placed homeowners insurance; individual medical insurance with greater coverage choices geared to individual customer needs; and group dental products that allow plan members to pool dental bene...

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    ... Dental PPO network access-sharing agreement with Aetna in 2008, providing our customers and plan members with access to over 90,000 referable dental locations in the United States. We believe these results are further evidence that Assurant Employee Benefits' small-employer strategy is taking hold...

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    ...like Patient Care'sâ„¢ Individual Advocateâ„¢ and Teledocâ„¢ will help customers take greater control of their healthcare decisions. We also signed a 10-year national distribution alliance with State Farm. Continuing a key competitive advantage, this agreement provides Health with a powerful network...

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    ... Vice President and CFO, Assurant; Gene Mergelmeyer, President and CEO, Assurant Specialty Property Row 2 John S. Roberts, President and CEO, Assurant Employee Benefits; Bart Schwartz, Executive Vice President, Chief Legal Officer and Secretary, Assurant; Lesley Silvester, Executive Vice President...

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    New products, new services, and a long-term approach position Assurant Health well in the individual medical market. 10

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    ... States. In July, Assurant Health launched a new, more robust product portfolio in Individual Medical. Through new services such as Patient Care's™ Individual Advocate™ and Teledoc™, which allows customers to consult with board-certified physicians over the phone, Assurant Health is helping...

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    ... in adjacent markets. As a building block to establishing itself in the creditor-placed auto business, Assurant Specialty Property gained market share and achieved considerable scale by adding nearly 800,000 auto loans to its loan tracking facility. In renters, the business experienced double-digit...

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    One cornerstone of Assurant Specialty Property's success is disciplined risk management, helping the business continue to build upon its solid foundation. 13

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    Assurant Employee Benefits continues its momentum in the small-employer segment. 14

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    ... its dental plan members access to an extensive nationwide network of dentists. In Disability, protecting the financial security of customers who are unable to work due to illness or injury while providing the resources and support to help them "return to work" permeates everything Assurant does...

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    ...Group included a new 10-year contract that allows Assurant Solutions to market extended warranties and service contracts on GE-branded appliances in the United States. Similarly, the addition of Signal Holdings LLC's wireless handset protection programs and repair services, including a state-of-the...

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    Assurant Solutions' acquisitions of GE Consumer and Industrial's Warranty Management Group and Signal Holdings strengthen Assurant's position in the service contract market. 17

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    net operating income by business U.S. Dollars in Millions - - Year Ended December 31, 2008 Assurant Health $120.3 Assurant Specialty Property $405.2 Assurant Employee Benefits $70.6 Assurant Solutions $112.2 Total Net Operating Income $637.4* * 18 Excludes Corporate and Other segment, ...

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    ... strong prospects for building long-term value for our shareholders. Assurant operates in 12 countries worldwide, including Argentina, Brazil, Canada, China, Germany, Ireland, Italy, Mexico, Spain, United Kingdom, United States and Puerto Rico. 07 Leadership Culture 08 Long-term Value Tear here...

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    ... York, NY 10005 212.859.7029 [email protected] John Egan Vice President Investor Relations Assurant One Chase Manhattan Plaza New York, NY 10005 212.859.7197 [email protected] You may also visit our Investor Relations website: http://ir.assurant.com Paper This entire piece is printed...

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    One Chase Manhattan Plaza New York, NY 10005 212.859.7000 www.assurant.com

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