Document附录 99.2
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目录 | | | | 页面 |
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合并资产负债表 | | | | 3 |
合并运营报表 | | | | 4 |
财务摘要 | | | | 5 |
保险业务 | | | | 6 |
保险产品的利润 | | | | 7-9 |
收取的保费和保单收入 | | | | 10 |
健康和人寿新年化保费 | | | | 11 |
计算已发行股票的加权平均值 | | | | 12 |
年金-账户价值向前滚动 | | | | 13 |
美国保险子公司的合并法定信息 | | | | 14 |
未分配给产品系列的投资收益和分配给产品系列的投资收益 | | | | 15-18 |
其他投资数据 | | | | 18 |
重要物品 | | | | 19-20 |
注意事项 | | | | 21-22 |
CNO 金融集团有限公司
合并资产负债表
(百万美元)
(未经审计)
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| 3 月 23 日 | | 6月23日 | | 9 月 23 日 | | 12 月 23 日 | | 3 月 24 日 | | 6月24 日 | | | | |
资产 | | | | | | | | | | | | | | | |
投资: | | | | | | | | | | | | | | | |
固定到期日,可供出售,按公允价值计算 | $ | 21,107.1 | | | $ | 20,959.7 | | | $ | 20,305.2 | | | $ | 21,506.2 | | | $ | 21,648.1 | | | $ | 22,617.9 | | | | | |
按公允价值计算的股票证券 | 106.1 | | | 96.4 | | | 95.5 | | | 96.9 | | | 118.4 | | | 117.7 | | | | | |
抵押贷款 | 1,676.1 | | | 1,825.9 | | | 1,971.3 | | | 2,064.1 | | | 2,087.1 | | | 2,176.0 | | | | | |
保单贷款 | 123.0 | | | 124.2 | | | 126.4 | | | 128.5 | | | 130.3 | | | 131.3 | | | | | |
交易证券 | 208.1 | | | 218.9 | | | 221.2 | | | 222.7 | | | 222.8 | | | 207.8 | | | | | |
可变利息实体持有的投资 | 1,017.9 | | | 948.2 | | | 858.1 | | | 768.6 | | | 533.4 | | | 425.5 | | | | | |
其他投资资产 | 1,097.1 | | | 1,176.7 | | | 1,119.9 | | | 1,353.4 | | | 1,471.3 | | | 1,554.0 | | | | | |
投资总额 | 25,335.4 | | | 25,350.0 | | | 24,697.6 | | | 26,140.4 | | | 26,211.4 | | | 27,230.2 | | | | | |
现金和现金等价物-无限制 | 425.0 | | | 457.7 | | | 460.8 | | | 774.5 | | | 566.3 | | | 878.8 | | | | | |
可变利息实体持有的现金和现金等价物 | 97.1 | | | 104.2 | | | 122.0 | | | 114.5 | | | 83.5 | | | 113.3 | | | | | |
应计投资收益 | 241.3 | | | 242.1 | | | 252.3 | | | 251.5 | | | 252.0 | | | 262.5 | | | | | |
未来利润的现值 | 197.6 | | | 191.8 | | | 186.2 | | | 180.7 | | | 175.5 | | | 170.4 | | | | | |
递延收购成本 | 1,811.3 | | | 1,857.7 | | | 1,897.5 | | | 1,944.4 | | | 1,992.3 | | | 2,047.2 | | | | | |
再保险应收账款 | 4,189.6 | | | 4,029.2 | | | 4,053.2 | | | 4,040.7 | | | 3,969.0 | | | 3,910.9 | | | | | |
市场风险收益资产 | 57.8 | | | 66.0 | | | 89.3 | | | 75.4 | | | 84.1 | | | 84.5 | | | | | |
所得税资产,净额 | 988.1 | | | 1,007.1 | | | 1,039.8 | | | 936.2 | | | 886.1 | | | 882.8 | | | | | |
在单独账户中持有的资产 | 2.8 | | | 3.0 | | | 2.9 | | | 3.1 | | | 3.3 | | | 3.2 | | | | | |
其他资产 | 669.0 | | | 745.1 | | | 705.8 | | | 641.1 | | | 716.2 | | | 706.4 | | | | | |
总资产 | $ | 34,015.0 | | | $ | 34,053.9 | | | $ | 33,507.4 | | | $ | 35,102.5 | | | $ | 34,939.7 | | | $ | 36,290.2 | | | | | |
负债 | | | | | | | | | | | | | | | |
保险产品的负债: | | | | | | | | | | | | | | | |
保单持有人账户余额 | $ | 15,302.9 | | | $ | 15,387.7 | | | $ | 15,481.8 | | | $ | 15,667.8 | | | $ | 15,736.7 | | | $ | 16,637.9 | | | | | |
未来的政策好处 | 11,623.3 | | | 11,479.6 | | | 10,829.9 | | | 11,928.2 | | | 11,736.5 | | | 11,479.4 | | | | | |
市场风险收益负债 | 17.6 | | | 10.5 | | | 3.1 | | | 7.4 | | | 3.8 | | | 3.2 | | | | | |
人寿保险保单索赔的责任 | 67.6 | | | 64.6 | | | 60.8 | | | 62.1 | | | 65.1 | | | 59.6 | | | | | |
未赚取的保费和预付保费 | 243.5 | | | 233.6 | | | 221.2 | | | 218.9 | | | 226.0 | | | 220.9 | | | | | |
与独立账户相关的负债 | 2.8 | | | 3.0 | | | 2.9 | | | 3.1 | | | 3.3 | | | 3.2 | | | | | |
其他负债 | 681.3 | | | 898.9 | | | 869.6 | | | 848.8 | | | 905.0 | | | 934.4 | | | | | |
投资借款 | 1,839.6 | | | 1,839.5 | | | 2,089.4 | | | 2,189.3 | | | 2,189.1 | | | 2,189.0 | | | | | |
与可变利息实体相关的借款 | 1,065.4 | | | 1,001.0 | | | 918.5 | | | 820.8 | | | 565.5 | | | 501.4 | | | | | |
应付票据——直接公司债务 | 1,139.2 | | | 1,139.7 | | | 1,140.1 | | | 1,140.5 | | | 1,141.0 | | | 1,832.3 | | | | | |
负债总额 | 31,983.2 | | | 32,058.1 | | | 31,617.3 | | | 32,886.9 | | | 32,572.0 | | | 33,861.3 | | | | | |
股东权益 | | | | | | | | | | | | | | | |
普通股 | 1.1 | | | 1.1 | | | 1.1 | | | 1.1 | | | 1.1 | | | 1.1 | | | | | |
额外的实收资本 | 2,021.1 | | | 1,997.9 | | | 1,965.3 | | | 1,891.5 | | | 1,851.2 | | | 1,797.6 | | | | | |
留存收益 | 1,674.0 | | | 1,730.3 | | | 1,880.4 | | | 1,899.8 | | | 1,995.7 | | | 2,094.5 | | | | | |
累计其他综合亏损前的股东权益总额 | 3,696.2 | | | 3,729.3 | | | 3,846.8 | | | 3,792.4 | | | 3,848.0 | | | 3,893.2 | | | | | |
累计其他综合亏损 | (1,664.4) | | | (1,733.5) | | | (1,956.7) | | | (1,576.8) | | | (1,480.3) | | | (1,464.3) | | | | | |
股东权益总额 | 2,031.8 | | | 1,995.8 | | | 1,890.1 | | | 2,215.6 | | | 2,367.7 | | | 2,428.9 | | | | | |
负债和股东权益总额 | $ | 34,015.0 | | | $ | 34,053.9 | | | $ | 33,507.4 | | | $ | 35,102.5 | | | $ | 34,939.7 | | | $ | 36,290.2 | | | | | |
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| 3 月 23 日 | | 6月23日 | | 9 月 23 日 | | 12 月 23 日 | | 3 月 24 日 | | 6月24 日 | | | | |
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普通股每股账面价值 | $ | 17.68 | | | $ | 17.56 | | | $ | 16.85 | | | $ | 20.26 | | | $ | 21.81 | | | $ | 22.80 | | | | | |
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普通股每股账面价值,不包括累计的其他综合亏损 (1) (2) | $ | 32.17 | | | $ | 32.81 | | | $ | 34.30 | | | $ | 34.68 | | | $ | 35.44 | | | $ | 36.55 | | | | | |
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摊薄后每股账面价值 (1) (3) | $ | 31.82 | | | $ | 32.34 | | | $ | 33.75 | | | $ | 33.94 | | | $ | 34.97 | | | $ | 36.00 | | | | | |
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CNO 金融集团有限公司
合并运营报表
(百万美元)
(未经审计)
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| 1Q | | 2Q | | 3Q | | 4Q | | 年初至 | | 1Q | | 2Q | | | | | | |
| 2023 | | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 | | | | | | |
收入 | | | | | | | | | | | | | | | | | | | |
保险单收入 | $ | 625.5 | | | $ | 628.3 | | | $ | 626.0 | | | $ | 625.7 | | | $ | 2,505.5 | | | $ | 628.4 | | | $ | 641.5 | | | | | | | |
净投资收益: | | | | | | | | | | | | | | | | | | | |
普通账户资产 | 292.2 | | | 308.1 | | | 324.8 | | | 325.1 | | | 1,250.2 | | | 301.9 | | | 351.7 | | | | | | | |
保单持有人和其他特殊用途投资组合 | 50.8 | | | 91.6 | | | (33.0) | | | 140.1 | | | 249.5 | | | 167.3 | | | 57.4 | | | | | | | |
投资收益(亏损): | | | | | | | | | | | | | | | | | | | |
已实现的投资损失 | (14.6) | | | (21.8) | | | (21.6) | | | (11.3) | | | (69.3) | | | (10.0) | | | (26.3) | | | | | | | |
其他投资收益(亏损) | — | | | (13.5) | | | (7.7) | | | 21.5 | | | 0.3 | | | 17.8 | | | 9.1 | | | | | | | |
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投资收益(亏损)总额 | (14.6) | | | (35.3) | | | (29.3) | | | 10.2 | | | (69.0) | | | 7.8 | | | (17.2) | | | | | | | |
费用收入和其他收入 | 52.1 | | | 30.1 | | | 59.0 | | | 69.4 | | | 210.6 | | | 51.1 | | | 32.8 | | | | | | | |
总收入 | 1,006.0 | | | 1,022.8 | | | 947.5 | | | 1,170.5 | | | 4,146.8 | | | 1,156.5 | | | 1,066.2 | | | | | | | |
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福利和开支 | | | | | | | | | | | | | | | | | | | |
保险保单的好处 | 609.7 | | | 565.9 | | | 399.1 | | | 743.5 | | | 2,318.2 | | | 631.4 | | | 568.8 | | | | | | | |
未来保单福利的负债调整(收益)亏损 | 0.6 | | | 8.3 | | | (0.1) | | | (30.0) | | | (21.2) | | | (6.4) | | | (30.0) | | | | | | | |
市场风险收益公允价值的变化 | 14.8 | | | (17.6) | | | (33.8) | | | 15.3 | | | (21.3) | | | (13.7) | | | (0.2) | | | | | | | |
利息支出 | 54.7 | | | 57.6 | | | 62.6 | | | 63.7 | | | 238.6 | | | 60.2 | | | 64.2 | | | | | | | |
递延收购成本和未来利润现值的摊销 | 55.5 | | | 56.0 | | | 57.0 | | | 58.9 | | | 227.4 | | | 60.5 | | | 61.4 | | | | | | | |
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其他运营成本和支出 | 271.7 | | | 256.5 | | | 247.1 | | | 273.0 | | | 1,048.3 | | | 278.3 | | | 251.4 | | | | | | | |
福利和支出总额 | 1,007.0 | | | 926.7 | | | 731.9 | | | 1,124.4 | | | 3,790.0 | | | 1,010.3 | | | 915.6 | | | | | | | |
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所得税前收入(亏损) | (1.0) | | | 96.1 | | | 215.6 | | | 46.1 | | | 356.8 | | | 146.2 | | | 150.6 | | | | | | | |
期内收入(亏损)的所得税支出(收益) | (0.2) | | | 22.4 | | | 48.3 | | | 9.8 | | | 80.3 | | | 33.9 | | | 34.3 | | | | | | | |
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净收益(亏损) | $ | (0.8) | | | $ | 73.7 | | | $ | 167.3 | | | $ | 36.3 | | | $ | 276.5 | | | $ | 112.3 | | | $ | 116.3 | | | | | | | |
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CNO 金融集团有限公司
财务摘要
(以百万美元计,每股数据除外)
(未经审计)
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| 1Q | | 2Q | | 3Q | | 4Q | | 年初至 | | 1Q | | 2Q | | | | | | |
| 2023 | | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 | | | | | | |
保险产品利润 (4) | | | | | | | | | | | | | | | | | | | |
年金利润率 | $ | 57.3 | | | $ | 57.1 | | | $ | 57.0 | | | $ | 63.6 | | | $ | 235.0 | | | $ | 52.0 | | | $ | 76.1 | | | | | | | |
健康边距 | 116.5 | | | 108.2 | | | 123.2 | | | 146.4 | | | 494.3 | | | 123.0 | | | 135.9 | | | | | | | |
寿命边距 | 47.4 | | | 57.9 | | | 59.8 | | | 64.6 | | | 229.7 | | | 54.6 | | | 63.1 | | | | | | | |
保险产品利润总额 | 221.2 | | | 223.2 | | | 240.0 | | | 274.6 | | | 959.0 | | | 229.6 | | | 275.1 | | | | | | | |
分配的费用 | (157.5) | | | (149.5) | | | (153.2) | | | (138.8) | | | (599.0) | | | (161.6) | | | (154.6) | | | | | | | |
保险产品收入 (8) | 63.7 | | | 73.7 | | | 86.8 | | | 135.8 | | | 360.0 | | | 68.0 | | | 120.5 | | | | | | | |
费用收入 | 15.5 | | | 0.6 | | | (2.9) | | | 17.8 | | | 31.0 | | | 11.3 | | | 0.8 | | | | | | | |
未分配给产品线的投资收益 (9) | 15.5 | | | 28.0 | | | 38.4 | | | 38.3 | | | 120.2 | | | 12.3 | | | 44.8 | | | | | | | |
未分配给产品系列的费用 | (18.3) | | | (21.1) | | | 7.5 | | | (19.8) | | | (51.7) | | | (16.8) | | | (17.5) | | | | | | | |
税前营业收益 | 76.4 | | | 81.2 | | | 129.8 | | | 172.1 | | | 459.5 | | | 74.8 | | | 148.6 | | | | | | | |
营业收入的所得税支出 | (17.8) | | | (18.9) | | | (28.5) | | | (38.2) | | | (103.4) | | | (17.3) | | | (34.0) | | | | | | | |
净营业收入 (10) | 58.6 | | | 62.3 | | | 101.3 | | | 133.9 | | | 356.1 | | | 57.5 | | | 114.6 | | | | | | | |
来自销售、减值和信贷损失备抵变动的净已实现投资收益(亏损) | (12.7) | | | (31.3) | | | (20.1) | | | 1.4 | | | (62.7) | | | (4.6) | | | (21.9) | | | | | | | |
收益中确认的投资市值的净变动 | (1.9) | | | (4.0) | | | (9.2) | | | 8.8 | | | (6.3) | | | 12.4 | | | 4.7 | | | | | | | |
与代理人递延薪酬计划相关的公允价值变动 | — | | | — | | | 6.8 | | | (10.3) | | | (3.5) | | | — | | | 3.5 | | | | | | | |
嵌入式衍生负债公允价值的变化和市场风险收益 | (65.1) | | | 50.4 | | | 109.4 | | | (124.6) | | | (29.9) | | | 64.0 | | | 16.8 | | | | | | | |
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其他 | 2.3 | | | (0.2) | | | (1.1) | | | (1.3) | | | (0.3) | | | (0.4) | | | (1.1) | | | | | | | |
税前净营业外收入(亏损) | (77.4) | | | 14.9 | | | 85.8 | | | (126.0) | | | (102.7) | | | 71.4 | | | 2.0 | | | | | | | |
营业外收入(亏损)的所得税(支出)补助 | 18.0 | | | (3.5) | | | (19.8) | | | 28.4 | | | 23.1 | | | (16.6) | | | (0.3) | | | | | | | |
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净营业外收入(亏损) | (59.4) | | | 11.4 | | | 66.0 | | | (97.6) | | | (79.6) | | | 54.8 | | | 1.7 | | | | | | | |
净收益(亏损) | $ | (0.8) | | | $ | 73.7 | | | $ | 167.3 | | | $ | 36.3 | | | $ | 276.5 | | | $ | 112.3 | | | $ | 116.3 | | | | | | | |
摊薄后每股 | | | | | | | | | | | | | | | | | | | |
净营业收入 | $ | 0.51 | | | $ | 0.54 | | | $ | 0.88 | | | $ | 1.18 | | | $ | 3.09 | | | $ | 0.52 | | | $ | 1.05 | | | | | | | |
净营业外收入(亏损) | (0.52) | | | 0.10 | | | 0.58 | | | (0.86) | | | (0.69) | | | 0.49 | | | 0.01 | | | | | | | |
净收益(亏损) | $ | (0.01) | | | $ | 0.64 | | | $ | 1.46 | | | $ | 0.32 | | | $ | 2.40 | | | $ | 1.01 | | | $ | 1.06 | | | | | | | |
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CNO 金融集团有限公司
保险业务
(百万美元)
(未经审计)
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| 1Q | | 2Q | | 3Q | | 4Q | | 年初至 | | 1Q | | 2Q | | | | | | |
| 2023 | | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 | | | | | | |
保险产品利润 (4) | | | | | | | | | | | | | | | | | | | |
年金: | | | | | | | | | | | | | | | | | | | |
保险单收入 | $ | 5.1 | | | $ | 8.1 | | | $ | 7.2 | | | $ | 8.0 | | | $ | 28.4 | | | $ | 7.3 | | | $ | 9.3 | | | | | | | |
净投资收益 (5) (6) | 125.4 | | | 127.7 | | | 131.0 | | | 132.2 | | | 516.3 | | | 134.5 | | | 140.5 | | | | | | | |
保险保单的好处 | (8.7) | | | (10.6) | | | (9.8) | | | 0.1 | | | (29.0) | | | (11.3) | | | 8.4 | | | | | | | |
贷记利息 (6) | (48.1) | | | (50.6) | | | (53.4) | | | (57.3) | | | (209.4) | | | (58.3) | | | (61.2) | | | | | | | |
摊销和非延期佣金 | (16.4) | | | (17.5) | | | (18.0) | | | (19.4) | | | (71.3) | | | (20.2) | | | (20.9) | | | | | | | |
年金利润率 | 57.3 | | | 57.1 | | | 57.0 | | | 63.6 | | | 235.0 | | | 52.0 | | | 76.1 | | | | | | | |
健康: | | | | | | | | | | | | | | | | | | | |
保险单收入 | 401.4 | | | 397.1 | | | 397.8 | | | 398.3 | | | 1,594.6 | | | 398.4 | | | 403.6 | | | | | | | |
净投资收益 (5) | 74.0 | | | 74.3 | | | 74.2 | | | 74.2 | | | 296.7 | | | 74.3 | | | 75.1 | | | | | | | |
保险保单的好处 | (318.1) | | | (322.7) | | | (308.5) | | | (285.6) | | | (1,234.9) | | | (308.5) | | | (302.3) | | | | | | | |
摊销和非延期佣金 | (40.8) | | | (40.5) | | | (40.3) | | | (40.5) | | | (162.1) | | | (41.2) | | | (40.5) | | | | | | | |
健康边距 | 116.5 | | | 108.2 | | | 123.2 | | | 146.4 | | | 494.3 | | | 123.0 | | | 135.9 | | | | | | | |
生活: | | | | | | | | | | | | | | | | | | | |
保险单收入 | 219.0 | | | 223.1 | | | 221.0 | | | 219.4 | | | 882.5 | | | 222.7 | | | 228.6 | | | | | | | |
净投资收益 (5) (7) | 36.3 | | | 36.1 | | | 36.3 | | | 36.1 | | | 144.8 | | | 36.5 | | | 36.7 | | | | | | | |
保险保单的好处 | (147.2) | | | (142.8) | | | (140.7) | | | (139.3) | | | (570.0) | | | (144.0) | | | (144.6) | | | | | | | |
贷记利息 (7) | (12.1) | | | (12.2) | | | (12.1) | | | (12.9) | | | (49.3) | | | (12.5) | | | (12.4) | | | | | | | |
摊销和非延期佣金 | (19.9) | | | (20.8) | | | (22.1) | | | (23.0) | | | (85.8) | | | (23.5) | | | (24.3) | | | | | | | |
广告费用 | (28.7) | | | (25.5) | | | (22.6) | | | (15.7) | | | (92.5) | | | (24.6) | | | (20.9) | | | | | | | |
寿命边距 | 47.4 | | | 57.9 | | | 59.8 | | | 64.6 | | | 229.7 | | | 54.6 | | | 63.1 | | | | | | | |
保险产品利润总额 | 221.2 | | | 223.2 | | | 240.0 | | | 274.6 | | | 959.0 | | | 229.6 | | | 275.1 | | | | | | | |
分配的费用: | | | | | | | | | | | | | | | | | | | |
分支机构开支 | (19.8) | | | (15.9) | | | (16.3) | | | (12.9) | | | (64.9) | | | (19.8) | | | (16.2) | | | | | | | |
其他分配的开支 | (137.7) | | | (133.6) | | | (136.9) | | | (125.9) | | | (534.1) | | | (141.8) | | | (138.4) | | | | | | | |
保险产品收入 (8) | 63.7 | | | 73.7 | | | 86.8 | | | 135.8 | | | 360.0 | | | 68.0 | | | 120.5 | | | | | | | |
费用收入 | 15.5 | | | 0.6 | | | (2.9) | | | 17.8 | | | 31.0 | | | 11.3 | | | 0.8 | | | | | | | |
未分配给产品线的投资收益 (9) | 15.5 | | | 28.0 | | | 38.4 | | | 38.3 | | | 120.2 | | | 12.3 | | | 44.8 | | | | | | | |
未分配给产品系列的费用 | (18.3) | | | (21.1) | | | 7.5 | | | (19.8) | | | (51.7) | | | (16.8) | | | (17.5) | | | | | | | |
税前营业收益 | 76.4 | | | 81.2 | | | 129.8 | | | 172.1 | | | 459.5 | | | 74.8 | | | 148.6 | | | | | | | |
营业收入的所得税支出 | (17.8) | | | (18.9) | | | (28.5) | | | (38.2) | | | (103.4) | | | (17.3) | | | (34.0) | | | | | | | |
净营业收入 (10) | $ | 58.6 | | | $ | 62.3 | | | $ | 101.3 | | | $ | 133.9 | | | $ | 356.1 | | | $ | 57.5 | | | $ | 114.6 | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
CNO 金融集团有限公司
年金产品的利润
(百万美元)
(未经审计)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | 年初至 | | 1Q | | 2Q | | | | | | |
| 2023 | | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 | | | | | | |
年金利润率 (4): | | | | | | | | | | | | | | | | | | | |
固定指数年金 | | | | | | | | | | | | | | | | | | | |
保险单收入 | $ | 3.6 | | | $ | 5.5 | | | $ | 5.1 | | | $ | 5.5 | | | $ | 19.7 | | | $ | 6.0 | | | $ | 7.2 | | | | | | | |
净投资收益 (5) (6) | 98.8 | | | 101.2 | | | 104.4 | | | 105.9 | | | 410.3 | | | 108.4 | | | 113.8 | | | | | | | |
保险保单的好处 | (4.1) | | | (4.2) | | | (4.3) | | | 2.5 | | | (10.1) | | | (5.8) | | | (2.6) | | | | | | | |
贷记利息 (6) | (36.4) | | | (38.9) | | | (41.5) | | | (45.1) | | | (161.9) | | | (46.7) | | | (49.4) | | | | | | | |
摊销和非延期佣金 | (15.4) | | | (16.0) | | | (16.5) | | | (17.9) | | | (65.8) | | | (18.5) | | | (19.1) | | | | | | | |
固定指数年金的利润 | $ | 46.5 | | | $ | 47.6 | | | $ | 47.2 | | | $ | 50.9 | | | $ | 192.2 | | | $ | 43.4 | | | $ | 49.9 | | | | | | | |
平均净保险负债 (11) | $ | 9,183.8 | | | $ | 9,276.0 | | | $ | 9,381.0 | | | $ | 9,508.7 | | | $ | 9,337.3 | | | $ | 9,636.3 | | | $ | 9,758.1 | | | | | | | |
利润率/平均净保险负债 (12) | 2.03 | % | | 2.05 | % | | 2.01 | % | | 2.14 | % | | 2.06 | % | | 1.80 | % | | 2.05 | % | | | | | | |
固定利息年金 | | | | | | | | | | | | | | | | | | | |
保险单收入 | $ | 0.3 | | | $ | 0.2 | | | $ | 0.3 | | | $ | 0.2 | | | $ | 1.0 | | | $ | 0.1 | | | $ | 0.4 | | | | | | | |
净投资收益 (5) | 20.9 | | | 20.9 | | | 21.0 | | | 20.8 | | | 83.6 | | | 20.6 | | | 21.1 | | | | | | | |
保险保单的好处 | (0.1) | | | — | | | (0.1) | | | (0.3) | | | (0.5) | | | (0.4) | | | 0.1 | | | | | | | |
利息贷记 | (11.1) | | | (11.1) | | | (11.4) | | | (11.6) | | | (45.2) | | | (11.1) | | | (11.3) | | | | | | | |
摊销和非延期佣金 | (0.9) | | | (1.3) | | | (1.4) | | | (1.4) | | | (5.0) | | | (1.6) | | | (1.6) | | | | | | | |
固定利息年金的利润 | $ | 9.1 | | | $ | 8.7 | | | $ | 8.4 | | | $ | 7.7 | | | $ | 33.9 | | | $ | 7.6 | | | $ | 8.7 | | | | | | | |
平均净保险负债 (11) | $ | 1,630.9 | | | $ | 1,613.1 | | | $ | 1,603.0 | | | $ | 1,600.9 | | | $ | 1,612.0 | | | $ | 1,588.0 | | | $ | 1,569.4 | | | | | | | |
利润率/平均净保险负债 (12) | 2.23 | % | | 2.16 | % | | 2.10 | % | | 1.92 | % | | 2.10 | % | | 1.91 | % | | 2.22 | % | | | | | | |
其他年金 | | | | | | | | | | | | | | | | | | | |
保险单收入 | $ | 1.2 | | | $ | 2.4 | | | $ | 1.8 | | | $ | 2.3 | | | $ | 7.7 | | | $ | 1.2 | | | $ | 1.7 | | | | | | | |
净投资收益 (5) | 5.7 | | | 5.6 | | | 5.6 | | | 5.5 | | | 22.4 | | | 5.5 | | | 5.6 | | | | | | | |
保险保单的好处 | (4.5) | | | (6.4) | | | (5.4) | | | (2.1) | | | (18.4) | | | (5.1) | | | 10.9 | | | | | | | |
利息贷记 | (0.6) | | | (0.6) | | | (0.5) | | | (0.6) | | | (2.3) | | | (0.5) | | | (0.5) | | | | | | | |
摊销和非延期佣金 | (0.1) | | | (0.2) | | | (0.1) | | | (0.1) | | | (0.5) | | | (0.1) | | | (0.2) | | | | | | | |
其他年金的利润 | $ | 1.7 | | | $ | 0.8 | | | $ | 1.4 | | | $ | 5.0 | | | $ | 8.9 | | | $ | 1.0 | | | $ | 17.5 | | | | | | | |
平均净保险负债 (11) | $ | 469.5 | | | $ | 462.5 | | | $ | 455.6 | | | $ | 447.5 | | | $ | 458.8 | | | $ | 439.9 | | | $ | 426.4 | | | | | | | |
利润率/平均净保险负债 (12) | 1.45 | % | | 0.69 | % | | 1.23 | % | | 4.47 | % | | 1.94 | % | | 0.91 | % | | 16.42 | % | | | | | | |
年金总利润率 | $ | 57.3 | | | $ | 57.1 | | | $ | 57.0 | | | $ | 63.6 | | | $ | 235.0 | | | $ | 52.0 | | | $ | 76.1 | | | | | | | |
平均净保险负债 (11) | $ | 11,284.2 | | | $ | 11,351.6 | | | $ | 11,439.6 | | | $ | 11,557.1 | | | $ | 11,408.1 | | | $ | 11,664.2 | | | $ | 11,753.9 | | | | | | | |
利润率/平均净保险负债 (12) | 2.03 | % | | 2.01 | % | | 1.99 | % | | 2.20 | % | | 2.06 | % | | 1.78 | % | | 2.59 | % | | | | | | |
| | | | | | | | | | | | | | | | | | | |
CNO 金融集团有限公司
健康产品的利润
(百万美元)
(未经审计)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | 年初至 | | 1Q | | 2Q | | | | | | |
| 2023 | | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 | | | | | | |
生命值边距 (4): | | | | | | | | | | | | | | | | | | | |
补充健康 | | | | | | | | | | | | | | | | | | | |
保险单收入 | $ | 179.0 | | | $ | 176.2 | | | $ | 177.9 | | | $ | 178.1 | | | $ | 711.2 | | | $ | 179.7 | | | $ | 180.1 | | | | | | | |
净投资收益 (5) | 38.6 | | | 38.9 | | | 39.0 | | | 38.8 | | | 155.3 | | | 39.0 | | | 39.4 | | | | | | | |
保险保单的好处 | (128.2) | | | (128.9) | | | (128.0) | | | (81.0) | | | (466.1) | | | (125.8) | | | (127.4) | | | | | | | |
摊销和非延期佣金 | (26.1) | | | (26.3) | | | (26.1) | | | (27.5) | | | (106.0) | | | (27.5) | | | (27.0) | | | | | | | |
补充生命值的利润 | $ | 63.3 | | | $ | 59.9 | | | $ | 62.8 | | | $ | 108.4 | | | $ | 294.4 | | | $ | 65.4 | | | $ | 65.1 | | | | | | | |
保证金/保单收入 | 35 | % | | 34 | % | | 35 | % | | 61 | % | | 41 | % | | 36 | % | | 36 | % | | | | | | |
医疗保险补充剂 | | | | | | | | | | | | | | | | | | | |
保险单收入 | $ | 156.5 | | | $ | 155.3 | | | $ | 154.2 | | | $ | 153.9 | | | $ | 619.9 | | | $ | 151.7 | | | $ | 155.8 | | | | | | | |
净投资收益 (5) | 1.3 | | | 1.2 | | | 1.1 | | | 1.3 | | | 4.9 | | | 1.4 | | | 1.3 | | | | | | | |
保险保单的好处 | (120.5) | | | (113.4) | | | (107.4) | | | (123.4) | | | (464.7) | | | (116.4) | | | (111.5) | | | | | | | |
摊销和非延期佣金 | (11.2) | | | (10.8) | | | (10.7) | | | (10.5) | | | (43.2) | | | (10.2) | | | (10.1) | | | | | | | |
医疗保险补助金的利润 | $ | 26.1 | | | $ | 32.3 | | | $ | 37.2 | | | $ | 21.3 | | | $ | 116.9 | | | $ | 26.5 | | | $ | 35.5 | | | | | | | |
保证金/保单收入 | 17 | % | | 21 | % | | 24 | % | | 14 | % | | 19 | % | | 17 | % | | 23 | % | | | | | | |
长期护理 | | | | | | | | | | | | | | | | | | | |
保险单收入 | $ | 65.9 | | | $ | 65.6 | | | $ | 65.7 | | | $ | 66.3 | | | $ | 263.5 | | | $ | 67.0 | | | $ | 67.7 | | | | | | | |
净投资收益 (5) | 34.1 | | | 34.2 | | | 34.1 | | | 34.1 | | | 136.5 | | | 33.9 | | | 34.4 | | | | | | | |
保险保单的好处 | (69.4) | | | (80.4) | | | (73.1) | | | (81.2) | | | (304.1) | | | (66.3) | | | (63.4) | | | | | | | |
摊销和非延期佣金 | (3.5) | | | (3.4) | | | (3.5) | | | (2.5) | | | (12.9) | | | (3.5) | | | (3.4) | | | | | | | |
长期护理的利润 | $ | 27.1 | | | $ | 16.0 | | | $ | 23.2 | | | $ | 16.7 | | | $ | 83.0 | | | $ | 31.1 | | | $ | 35.3 | | | | | | | |
保证金/保单收入 | 41 | % | | 24 | % | | 35 | % | | 25 | % | | 31 | % | | 46 | % | | 52 | % | | | | | | |
总生命值边距 | $ | 116.5 | | | $ | 108.2 | | | $ | 123.2 | | | $ | 146.4 | | | $ | 494.3 | | | $ | 123.0 | | | $ | 135.9 | | | | | | | |
保证金/保单收入 | 29 | % | | 27 | % | | 31 | % | | 37 | % | | 31 | % | | 31 | % | | 34 | % | | | | | | |
| | | | | | | | | | | | | | | | | | | |
CNO 金融集团有限公司
人寿产品的利润
(百万美元)
(未经审计)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | 年初至 | | 1Q | | 2Q | | | | | | |
| 2023 | | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 | | | | | | |
生命边距 (4): | | | | | | | | | | | | | | | | | | | |
对利息敏感的生活 | | | | | | | | | | | | | | | | | | | |
保险单收入 | $ | 44.5 | | | $ | 45.3 | | | $ | 45.1 | | | $ | 46.2 | | | $ | 181.1 | | | $ | 46.6 | | | $ | 46.9 | | | | | | | |
净投资收益 (5) (7) | 13.1 | | | 12.7 | | | 12.9 | | | 12.8 | | | 51.5 | | | 13.2 | | | 13.2 | | | | | | | |
保险保单的好处 | (18.2) | | | (17.1) | | | (18.1) | | | (12.3) | | | (65.7) | | | (19.9) | | | (18.6) | | | | | | | |
贷记利息 (7) | (12.0) | | | (12.0) | | | (11.9) | | | (12.8) | | | (48.7) | | | (12.3) | | | (12.3) | | | | | | | |
摊销和非延期佣金 | (4.6) | | | (4.8) | | | (5.1) | | | (5.0) | | | (19.5) | | | (5.1) | | | (5.3) | | | | | | | |
利息敏感型人寿的利润 | $ | 22.8 | | | $ | 24.1 | | | $ | 22.9 | | | $ | 28.9 | | | $ | 98.7 | | | $ | 22.5 | | | $ | 23.9 | | | | | | | |
平均净保险负债 (11) | $ | 1,032.0 | | | $ | 1,035.4 | | | $ | 1,039.6 | | | $ | 1,045.8 | | | $ | 1,038.2 | | | $ | 1,056.1 | | | $ | 1,063.0 | | | | | | | |
利息幅度 | $ | 1.1 | | | $ | 0.7 | | | $ | 1.0 | | | $ | — | | | $ | 2.8 | | | $ | 0.9 | | | $ | 0.9 | | | | | | | |
利息率/平均净保险负债 (12) | 0.43 | % | | 0.27 | % | | 0.38 | % | | — | % | | 0.27 | % | | 0.34 | % | | 0.34 | % | | | | | | |
承保利润 | $ | 21.7 | | | $ | 23.4 | | | $ | 21.9 | | | $ | 28.9 | | | $ | 95.9 | | | $ | 21.6 | | | $ | 23.0 | | | | | | | |
承保保证金/保单收入 | 49 | % | | 52 | % | | 49 | % | | 63 | % | | 53 | % | | 46 | % | | 49 | % | | | | | | |
传统生活 | | | | | | | | | | | | | | | | | | | |
保险单收入 | $ | 174.5 | | | $ | 177.8 | | | $ | 175.9 | | | $ | 173.2 | | | $ | 701.4 | | | $ | 176.1 | | | $ | 181.7 | | | | | | | |
净投资收益 (5) | 23.2 | | | 23.4 | | | 23.4 | | | 23.3 | | | 93.3 | | | 23.3 | | | 23.5 | | | | | | | |
保险保单的好处 | (129.0) | | | (125.7) | | | (122.6) | | | (127.0) | | | (504.3) | | | (124.1) | | | (126.0) | | | | | | | |
利息贷记 | (0.1) | | | (0.2) | | | (0.2) | | | (0.1) | | | (0.6) | | | (0.2) | | | (0.1) | | | | | | | |
摊销和非延期佣金 | (15.3) | | | (16.0) | | | (17.0) | | | (18.0) | | | (66.3) | | | (18.4) | | | (19.0) | | | | | | | |
广告费用 | (28.7) | | | (25.5) | | | (22.6) | | | (15.7) | | | (92.5) | | | (24.6) | | | (20.9) | | | | | | | |
与传统生活的差距 | $ | 24.6 | | | $ | 33.8 | | | $ | 36.9 | | | $ | 35.7 | | | $ | 131.0 | | | $ | 32.1 | | | $ | 39.2 | | | | | | | |
保证金/保单收入 | 14 | % | | 19 | % | | 21 | % | | 21 | % | | 19 | % | | 18 | % | | 22 | % | | | | | | |
利润率不包括广告费用/保险单收入 | 31 | % | | 33 | % | | 34 | % | | 30 | % | | 32 | % | | 32 | % | | 33 | % | | | | | | |
总寿命余量 | $ | 47.4 | | | $ | 57.9 | | | $ | 59.8 | | | $ | 64.6 | | | $ | 229.7 | | | $ | 54.6 | | | $ | 63.1 | | | | | | | |
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| | | | | | | | | | | | | | | | | | | |
CNO 金融集团有限公司
收取的保费和保单收入
(百万美元)
(未经审计)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | 年初至 | | 1Q | | 2Q | | | | | | |
| 2023 | | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 | | | | | | |
收取的保费: | | | | | | | | | | | | | | | | | | | |
年金产品 | | | | | | | | | | | | | | | | | | | |
固定指数年金 | $ | 323.3 | | | $ | 351.6 | | | $ | 321.8 | | | $ | 377.2 | | | $ | 1,373.9 | | | $ | 345.5 | | | $ | 388.5 | | | | | | | |
固定利息年金 | 46.1 | | | 46.6 | | | 48.9 | | | 58.1 | | | 199.7 | | | 45.9 | | | 49.1 | | | | | | | |
其他年金 | 1.5 | | | 3.6 | | | 1.5 | | | 3.0 | | | 9.6 | | | 1.9 | | | 1.5 | | | | | | | |
年金收取的保费总额 | 370.9 | | | 401.8 | | | 372.2 | | | 438.3 | | | 1,583.2 | | | 393.3 | | | 439.1 | | | | | | | |
健康产品 | | | | | | | | | | | | | | | | | | | |
补充健康 | 180.0 | | | 175.8 | | | 175.6 | | | 175.2 | | | 706.6 | | | 181.4 | | | 179.8 | | | | | | | |
医疗保险补充剂 | 158.4 | | | 148.4 | | | 146.6 | | | 156.0 | | | 609.4 | | | 155.7 | | | 152.4 | | | | | | | |
长期护理 | 66.5 | | | 65.1 | | | 63.9 | | | 66.3 | | | 261.8 | | | 67.7 | | | 67.9 | | | | | | | |
健康征收的保费总额 | 404.9 | | | 389.3 | | | 386.1 | | | 397.5 | | | 1,577.8 | | | 404.8 | | | 400.1 | | | | | | | |
生活用品 | | | | | | | | | | | | | | | | | | | |
对利息敏感的生活 | 58.2 | | | 60.3 | | | 58.3 | | | 60.2 | | | 237.0 | | | 60.5 | | | 61.3 | | | | | | | |
传统生活 | 176.4 | | | 176.3 | | | 175.2 | | | 172.1 | | | 700.0 | | | 176.8 | | | 181.1 | | | | | | | |
人寿保费总额 | 234.6 | | | 236.6 | | | 233.5 | | | 232.3 | | | 937.0 | | | 237.3 | | | 242.4 | | | | | | | |
收取的保费总额 | $ | 1,010.4 | | | $ | 1,027.7 | | | $ | 991.8 | | | $ | 1,068.1 | | | $ | 4,098.0 | | | $ | 1,035.4 | | | $ | 1,081.6 | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
保单收入: | | | | | | | | | | | | | | | | | | | |
年金产品 | | | | | | | | | | | | | | | | | | | |
固定指数年金 | $ | 3.6 | | | $ | 5.5 | | | $ | 5.1 | | | $ | 5.5 | | | $ | 19.7 | | | $ | 6.0 | | | $ | 7.2 | | | | | | | |
固定利息年金 | 0.3 | | | 0.2 | | | 0.3 | | | 0.2 | | | 1.0 | | | 0.1 | | | 0.4 | | | | | | | |
其他年金 | 1.2 | | | 2.4 | | | 1.8 | | | 2.3 | | | 7.7 | | | 1.2 | | | 1.7 | | | | | | | |
年金保险保单总收入 | 5.1 | | | 8.1 | | | 7.2 | | | 8.0 | | | 28.4 | | | 7.3 | | | 9.3 | | | | | | | |
健康产品 | | | | | | | | | | | | | | | | | | | |
补充健康 | 179.0 | | | 176.2 | | | 178.0 | | | 178.1 | | | 711.3 | | | 179.7 | | | 180.1 | | | | | | | |
医疗保险补充剂 | 156.5 | | | 155.3 | | | 154.1 | | | 153.9 | | | 619.8 | | | 151.7 | | | 155.8 | | | | | | | |
长期护理 | 65.9 | | | 65.6 | | | 65.7 | | | 66.3 | | | 263.5 | | | 67.0 | | | 67.7 | | | | | | | |
健康保险保单收入总额 | 401.4 | | | 397.1 | | | 397.8 | | | 398.3 | | | 1,594.6 | | | 398.4 | | | 403.6 | | | | | | | |
生活用品 | | | | | | | | | | | | | | | | | | | |
对利息敏感的生活 | 44.5 | | | 45.3 | | | 45.1 | | | 46.2 | | | 181.1 | | | 46.6 | | | 46.9 | | | | | | | |
传统生活 | 174.5 | | | 177.8 | | | 175.9 | | | 173.2 | | | 701.4 | | | 176.1 | | | 181.7 | | | | | | | |
人寿保险保单总收入 | 219.0 | | | 223.1 | | | 221.0 | | | 219.4 | | | 882.5 | | | 222.7 | | | 228.6 | | | | | | | |
保险单收入总额 | $ | 625.5 | | | $ | 628.3 | | | $ | 626.0 | | | $ | 625.7 | | | $ | 2,505.5 | | | $ | 628.4 | | | $ | 641.5 | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
CNO 金融集团有限公司
健康与生命
新的年化保费(“NAP”)
(百万美元)
(未经审计)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | 年初至 | | 1Q | | 2Q | | | | | | |
| 2023 | | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 | | | | | | |
消费者部 | | | | | | | | | | | | | | | | | | | |
健康产品: | | | | | | | | | | | | | | | | | | | |
补充健康 | $ | 17.4 | | | $ | 18.7 | | | $ | 19.2 | | | $ | 19.2 | | | $ | 74.5 | | | $ | 18.0 | | | $ | 18.2 | | | | | | | |
医疗保险补充剂 | 7.8 | | | 8.9 | | | 8.7 | | | 11.5 | | | 36.9 | | | 9.7 | | | 10.3 | | | | | | | |
长期护理 | 6.2 | | | 5.7 | | | 8.9 | | | 11.1 | | | 31.9 | | | 10.6 | | | 10.7 | | | | | | | |
消费者总部健康 NAP | 31.4 | | | 33.3 | | | 36.8 | | | 41.8 | | | 143.3 | | | 38.3 | | | 39.2 | | | | | | | |
生活用品: | | | | | | | | | | | | | | | | | | | |
对利息敏感的生活 | 4.6 | | | 6.3 | | | 4.4 | | | 4.5 | | | 19.8 | | | 4.4 | | | 5.0 | | | | | | | |
传统生活 | 49.7 | | | 46.0 | | | 41.9 | | | 35.5 | | | 173.1 | | | 48.8 | | | 43.2 | | | | | | | |
消费者部总寿命 NAP | 54.3 | | | 52.3 | | | 46.3 | | | 40.0 | | | 192.9 | | | 53.2 | | | 48.2 | | | | | | | |
消费者部健康与生命总部 NAP | $ | 85.7 | | | $ | 85.6 | | | $ | 83.1 | | | $ | 81.8 | | | $ | 336.2 | | | $ | 91.5 | | | $ | 87.4 | | | | | | | |
工作场所部 | | | | | | | | | | | | | | | | | | | |
健康产品: | | | | | | | | | | | | | | | | | | | |
补充健康 | $ | 8.1 | | | $ | 9.8 | | | $ | 11.5 | | | $ | 10.4 | | | $ | 39.8 | | | $ | 9.5 | | | $ | 11.4 | | | | | | | |
生活用品: | | | | | | | | | | | | | | | | | | | |
对利息敏感的生活 | 2.8 | | | 3.3 | | | 3.7 | | | 3.9 | | | 13.7 | | | 3.5 | | | 4.1 | | | | | | | |
工地总分部健康与生活 NAP | $ | 10.9 | | | $ | 13.1 | | | $ | 15.2 | | | $ | 14.3 | | | $ | 53.5 | | | $ | 13.0 | | | $ | 15.5 | | | | | | | |
NAP 总数(两个部门) | | | | | | | | | | | | | | | | | | | |
健康产品: | | | | | | | | | | | | | | | | | | | |
补充健康 | $ | 25.5 | | | $ | 28.5 | | | $ | 30.7 | | | $ | 29.6 | | | $ | 114.3 | | | $ | 27.5 | | | $ | 29.6 | | | | | | | |
医疗保险补充剂 | 7.8 | | | 8.9 | | | 8.7 | | | 11.5 | | | 36.9 | | | 9.7 | | | 10.3 | | | | | | | |
长期护理 | 6.2 | | | 5.7 | | | 8.9 | | | 11.1 | | | 31.9 | | | 10.6 | | | 10.7 | | | | | | | |
全面的健康NAP | 39.5 | | | 43.1 | | | 48.3 | | | 52.2 | | | 183.1 | | | 47.8 | | | 50.6 | | | | | | | |
生活用品: | | | | | | | | | | | | | | | | | | | |
对利息敏感的生活 | 7.4 | | | 9.6 | | | 8.1 | | | 8.4 | | | 33.5 | | | 7.9 | | | 9.1 | | | | | | | |
传统生活 | 49.7 | | | 46.0 | | | 41.9 | | | 35.5 | | | 173.1 | | | 48.8 | | | 43.2 | | | | | | | |
总寿命 NAP | 57.1 | | | 55.6 | | | 50.0 | | | 43.9 | | | 206.6 | | | 56.7 | | | 52.3 | | | | | | | |
NAP 总数 | $ | 96.6 | | | $ | 98.7 | | | $ | 98.3 | | | $ | 96.1 | | | $ | 389.7 | | | $ | 104.5 | | | $ | 102.9 | | | | | | | |
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CNO 金融集团有限公司
计算已发行股票的加权平均值
(千股)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | 年初至 | | 1Q | | 2Q | | | | | | |
| 2023 (a) | | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 | | | | | | |
基本 | | | | | | | | | | | | | | | | | | | |
期初已发行股份 | 114,343.1 | | | 114,905.2 | | | 113,673.9 | | | 112,163.2 | | | 114,343.1 | | | 109,357.5 | | | 108,568.6 | | | | | | | |
该期间的加权平均股票活动: | | | | | | | | | | | | | | | | | | | |
回购的股票 | (255.7) | | | (675.8) | | | (1,006.4) | | | (630.0) | | | (2,201.3) | | | (618.6) | | | (893.0) | | | | | | | |
与员工福利计划相关的金额 | 671.8 | | | 45.9 | | | 23.5 | | | 61.2 | | | 1,571.6 | | | 344.5 | | | 57.0 | | | | | | | |
为支付行使价和与员工福利计划相关的税款而预扣的股份 | (214.3) | | | (1.8) | | | (1.9) | | | (3.8) | | | (438.9) | | | (119.5) | | | (1.9) | | | | | | | |
该期间已发行基本股票的加权平均值 | 114,544.9 | | | 114,273.5 | | | 112,689.1 | | | 111,590.6 | | | 113,274.5 | | | 108,963.9 | | | 107,730.7 | | | | | | | |
已发行基本股票,期末 | 114,905.2 | | | 113,673.9 | | | 112,163.2 | | | 109,357.5 | | | 109,357.5 | | | 108,568.6 | | | 106,513.6 | | | | | | | |
稀释 | | | | | | | | | | | | | | | | | | | |
已发行基本股的加权平均值 | 114,544.9 | | | 114,273.5 | | | 112,689.1 | | | 111,590.6 | | | 113,274.5 | | | 108,963.9 | | | 107,730.7 | | | | | | | |
普通股等价股与以下内容有关: | | | | | | | | | | | | | | | | | | | |
员工福利计划 | — | | | 1,376.1 | | | 1,772.8 | | | 2,066.6 | | | 1,849.5 | | | 1,881.0 | | | 1,527.5 | | | | | | | |
该期间摊薄后已发行股票的加权平均值 | 114,544.9 | | | 115,649.6 | | | 114,461.9 | | | 113,657.2 | | | 115,124.0 | | | 110,844.9 | | | 109,258.2 | | | | | | | |
摊薄后的已发行股份,期末 | 116,176.0 | | | 115,303.3 | | | 113,974.7 | | | 111,750.3 | | | 111,750.3 | | | 110,036.5 | | | 108,140.0 | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
___________
(a) 由于23年第一季度确认的净亏损,2,182.5股等值普通股未包含在已发行股票的加权平均值中。
CNO 金融集团有限公司
年金-账户价值展期
(百万美元)
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| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | 年初至 | | 1Q | | 2Q | | | | | | |
| 2023 | | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 | | | | | | |
固定指数年金 | | | | | | | | | | | | | | | | | | | |
余额,期初不包括合约 100% 割让 | $ | 9,490.4 | | | $ | 9,584.3 | | | $ | 9,707.7 | | | $ | 9,819.2 | | | $ | 9,490.4 | | | $ | 9,999.2 | | | $ | 10,112.7 | | | | | | | |
发行(从新业务中筹集的资金) | 323.3 | | | 351.6 | | | 321.7 | | | 377.1 | | | 1,373.7 | | | 345.4 | | | 388.5 | | | | | | | |
收到的保费(从生效业务中收取的保费) | 0.4 | | | (0.2) | | | 0.1 | | | (0.2) | | | 0.1 | | | 0.5 | | | 0.7 | | | | | | | |
保单费用 | (4.0) | | | (5.2) | | | (5.2) | | | (5.3) | | | (19.7) | | | (6.5) | | | (7.9) | | | | | | | |
投降和提款 | (178.2) | | | (182.6) | | | (177.6) | | | (199.9) | | | (738.3) | | | (232.2) | | | (235.2) | | | | | | | |
补助金支付 | (59.2) | | | (63.1) | | | (62.7) | | | (58.9) | | | (243.9) | | | (74.4) | | | (77.6) | | | | | | | |
利息贷记 | 6.1 | | | 17.2 | | | 29.4 | | | 59.9 | | | 112.6 | | | 68.9 | | | 84.0 | | | | | | | |
其他 | 5.5 | | | 5.7 | | | 5.8 | | | 7.3 | | | 24.3 | | | 11.8 | | | 13.9 | | | | | | | |
余额,期末不包括合约 100% 割让 | $ | 9,584.3 | | | $ | 9,707.7 | | | $ | 9,819.2 | | | $ | 9,999.2 | | | $ | 9,999.2 | | | $ | 10,112.7 | | | $ | 10,279.1 | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
固定利息年金 | | | | | | | | | | | | | | | | | | | |
余额,期初不包括合约 100% 割让 | $ | 1,663.1 | | | $ | 1,649.3 | | | $ | 1,636.6 | | | $ | 1,632.5 | | | $ | 1,663.1 | | | $ | 1,636.4 | | | $ | 1,610.6 | | | | | | | |
发行(从新业务中筹集的资金) | 45.3 | | | 45.8 | | | 48.4 | | | 57.5 | | | 197.0 | | | 45.1 | | | 48.5 | | | | | | | |
收到的保费(从生效业务中收取的保费) | 0.7 | | | 0.9 | | | 0.5 | | | 0.6 | | | 2.7 | | | 1.0 | | | 0.5 | | | | | | | |
保单费用 | (0.2) | | | (0.2) | | | (0.3) | | | (0.3) | | | (1.0) | | | (0.3) | | | (0.3) | | | | | | | |
投降和提款 | (43.3) | | | (42.1) | | | (39.3) | | | (39.9) | | | (164.6) | | | (52.8) | | | (42.4) | | | | | | | |
补助金支付 | (27.7) | | | (28.2) | | | (24.9) | | | (26.1) | | | (106.9) | | | (30.2) | | | (25.8) | | | | | | | |
利息贷记 | 11.3 | | | 11.2 | | | 11.7 | | | 11.9 | | | 46.1 | | | 11.4 | | | 11.6 | | | | | | | |
其他 | 0.1 | | | (0.1) | | | (0.2) | | | 0.2 | | | — | | | — | | | (0.1) | | | | | | | |
余额,期末不包括合约 100% 割让 | $ | 1,649.3 | | | $ | 1,636.6 | | | $ | 1,632.5 | | | $ | 1,636.4 | | | $ | 1,636.4 | | | $ | 1,610.6 | | | $ | 1,602.6 | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
年金总额 | | | | | | | | | | | | | | | | | | | |
余额,期初不包括合约 100% 割让 | $ | 11,153.5 | | | $ | 11,233.6 | | | $ | 11,344.3 | | | $ | 11,451.7 | | | $ | 11,153.5 | | | $ | 11,635.6 | | | $ | 11,723.3 | | | | | | | |
发行(从新业务中筹集的资金) | 368.6 | | | 397.4 | | | 370.1 | | | 434.6 | | | 1,570.7 | | | 390.5 | | | 437.0 | | | | | | | |
收到的保费(从生效业务中收取的保费) | 1.1 | | | 0.7 | | | 0.6 | | | 0.4 | | | 2.8 | | | 1.5 | | | 1.2 | | | | | | | |
保单费用 | (4.2) | | | (5.4) | | | (5.5) | | | (5.6) | | | (20.7) | | | (6.8) | | | (8.2) | | | | | | | |
投降和提款 | (221.5) | | | (224.7) | | | (216.9) | | | (239.8) | | | (902.9) | | | (285.0) | | | (277.6) | | | | | | | |
补助金支付 | (86.9) | | | (91.3) | | | (87.6) | | | (85.0) | | | (350.8) | | | (104.6) | | | (103.4) | | | | | | | |
利息贷记 | 17.4 | | | 28.4 | | | 41.1 | | | 71.8 | | | 158.7 | | | 80.3 | | | 95.6 | | | | | | | |
其他 | 5.6 | | | 5.6 | | | 5.6 | | | 7.5 | | | 24.3 | | | 11.8 | | | 13.8 | | | | | | | |
余额,期末不包括合约 100% 割让 | $ | 11,233.6 | | | $ | 11,344.3 | | | $ | 11,451.7 | | | $ | 11,635.6 | | | $ | 11,635.6 | | | $ | 11,723.3 | | | $ | 11,881.7 | | | | | | | |
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CNO 金融集团有限公司
美国保险子公司的合并法定信息 (13)
(百万美元)
(未经审计)
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| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | 年初至 | | 1Q | | 2Q | | | | | | |
| 2023 | | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 (a) | | | | | | |
| | | | | | | | | | | | | | | | | | | |
未计利息支出和联邦所得税的运营净收益 | $ | 58.3 | | | $ | 55.6 | | | $ | 54.0 | | | $ | 67.4 | | | $ | 235.3 | | | $ | 40.3 | | | $ | 63.3 | | | | | | | |
母公司持有的剩余债券的利息支出 | 15.9 | | | 16.6 | | | 31.6 | | | 17.9 | | | 82.0 | | | 17.6 | | | 17.5 | | | | | | | |
联邦所得税前的运营净收益 | 42.4 | | | 39.0 | | | 22.4 | | | 49.5 | | | 153.3 | | | 22.7 | | | 45.8 | | | | | | | |
联邦所得税支出(福利) | 3.3 | | | 1.9 | | | (15.0) | | | 31.8 | | | 22.0 | | | 26.7 | | | 17.7 | | | | | | | |
净已实现资本收益(亏损)前的运营净收益(亏损) | 39.1 | | | 37.1 | | | 37.4 | | | 17.7 | | | 131.3 | | | (4.0) | | | 28.1 | | | | | | | |
已实现的净资本收益(亏损) | (1.3) | | | (20.6) | | | (6.2) | | | 1.8 | | | (26.3) | | | (4.2) | | | 7.4 | | | | | | | |
净收益(亏损) | $ | 37.8 | | | $ | 16.5 | | | $ | 31.2 | | | $ | 19.5 | | | $ | 105.0 | | | $ | (8.2) | | | $ | 35.5 | | | | | | | |
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| | | | | | | | | | | | | | | | | | | |
资本和盈余 | $ | 1,831.3 | | | $ | 1,857.0 | | | $ | 1,932.6 | | | $ | 1,558.9 | | | $ | 1,558.9 | | | $ | 1,487.3 | | | $ | 1,489.5 | | | | | | | |
资产估值准备金 (AVR) | 317.8 | | | 316.5 | | | 333.9 | | | 352.5 | | | 352.5 | | | 351.8 | | | 369.8 | | | | | | | |
资本、盈余和 AVR | 2,149.1 | | | 2,173.5 | | | 2,266.5 | | | 1,911.4 | | | 1,911.4 | | | 1,839.1 | | | 1,859.3 | | | | | | | |
利息维持准备金(IMR) | 385.6 | | | 381.7 | | | 372.1 | | | 368.1 | | | 368.1 | | | 362.1 | | | 344.0 | | | | | | | |
法定资本、盈余、AVR 和 IMR 总额 | $ | 2,534.7 | | | $ | 2,555.2 | | | $ | 2,638.6 | | | $ | 2,279.5 | | | $ | 2,279.5 | | | $ | 2,201.2 | | | $ | 2,203.3 | | | | | | | |
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| | | | | | | | | | | | | | | | | | | |
基于风险的资本比率 | 380 | % | | 386 | % | | 392 | % | | 402 | % | | 402 | % | | 391 | % | | 394 | % | | | | | | |
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___________
(a) 这些金额是初步的,因为我们位于美国的保险子公司将在2024年8月14日左右向相应的保险监管机构提交24年第二季度的法定基础财务报表。
CNO 金融集团有限公司
未分配给产品线的投资收益 (9)
(百万美元)
(未经审计)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
| | 1Q | | 2Q | | 3Q | | 4Q | | 年初至 | | 1Q | | 2Q | | | | | | |
| | 2023 | | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 | | | | | | |
净投资收益 | | $ | 343.0 | | | $ | 399.7 | | | $ | 291.8 | | | $ | 465.2 | | | $ | 1,499.7 | | | $ | 469.2 | | | $ | 409.1 | | | | | | | |
分配给产品线: | | | | | | | | | | | | | | | | | | | | |
年金 | | (125.4) | | | (127.7) | | | (131.0) | | | (132.2) | | | (516.3) | | | (134.5) | | | (140.5) | | | | | | | |
健康 | | (74.0) | | | (74.3) | | | (74.2) | | | (74.2) | | | (296.7) | | | (74.3) | | | (75.1) | | | | | | | |
生活 | | (36.3) | | | (36.1) | | | (36.3) | | | (36.1) | | | (144.8) | | | (36.5) | | | (36.7) | | | | | | | |
存入保单持有人账户余额的股权回报 | | (18.6) | | | (62.3) | | | 54.6 | | | (105.2) | | | (131.5) | | | (139.7) | | | (38.9) | | | | | | | |
分配给产品系列并记入保单持有人账户余额的金额 | | (254.3) | | | (300.4) | | | (186.9) | | | (347.7) | | | (1,089.3) | | | (385.0) | | | (291.2) | | | | | | | |
与固定指数年金退保相关的年度期权没收的影响 | | — | | | 1.4 | | | 2.5 | | | 3.2 | | | 7.1 | | | 6.2 | | | 6.0 | | | | | | | |
与可变利息实体和其他非经营项目相关的金额 | | (20.9) | | | (19.0) | | | (18.7) | | | (16.2) | | | (74.8) | | | (12.6) | | | (9.6) | | | | | | | |
债务利息支出 | | (15.7) | | | (15.6) | | | (15.7) | | | (15.7) | | | (62.7) | | | (15.7) | | | (21.8) | | | | | | | |
融资安排的利息支出 | | — | | | — | | | (1.1) | | | (1.3) | | | (2.4) | | | (1.2) | | | (1.2) | | | | | | | |
联邦住房贷款银行(“FHLB”)计划投资借款的利息支出 | | (21.7) | | | (24.2) | | | (28.3) | | | (30.5) | | | (104.7) | | | (31.4) | | | (31.4) | | | | | | | |
与融资协议支持的票据(“FABN”)计划相关的费用 (a) | | (7.6) | | | (7.6) | | | (7.6) | | | (7.6) | | | (30.4) | | | (7.6) | | | (10.9) | | | | | | | |
减去存入递延薪酬计划的金额(抵消投资收益) | | (7.3) | | | (6.3) | | | 2.4 | | | (11.1) | | | (22.3) | | | (9.6) | | | (4.2) | | | | | | | |
调整总额 | | (73.2) | | | (71.3) | | | (66.5) | | | (79.2) | | | (290.2) | | | (71.9) | | | (73.1) | | | | | | | |
未分配给产品系列的投资收入 | | $ | 15.5 | | | $ | 28.0 | | | $ | 38.4 | | | $ | 38.3 | | | $ | 120.2 | | | $ | 12.3 | | | $ | 44.8 | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
___________
(a) 包括贷记利息和递延购置费用的摊销。
CNO 金融集团有限公司
未分配给产品线的投资收益 (9)
(百万美元)
(未经审计)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
| | 1Q | | 2Q | | 3Q | | 4Q | | 年初至 | | 1Q | | 2Q | | | | | | |
| | 2023 | | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 | | | | | | |
未分配的投资收益: | | | | | | | | | | | | | | | | | | | | |
不包括可变组件: | | | | | | | | | | | | | | | | | | | | |
来自普通账户资产 | | $ | 24.9 | | | $ | 26.4 | | | $ | 27.2 | | | $ | 29.8 | | | $ | 108.3 | | | $ | 27.1 | | | $ | 25.0 | | | | | | | |
其他投资收益 | | 1.9 | | | 2.0 | | | 2.4 | | | 3.0 | | | 9.3 | | | 3.1 | | | 6.8 | | | | | | | |
利差收益: | | | | | | | | | | | | | | | | | | | | |
fHLB 计划: | | | | | | | | | | | | | | | | | | | | |
匹配资产的投资收益 | | 31.8 | | | 34.7 | | | 39.4 | | | 41.5 | | | 147.4 | | | 41.7 | | | 42.4 | | | | | | | |
利息支出 | | (21.7) | | | (24.2) | | | (28.3) | | | (30.5) | | | (104.7) | | | (31.4) | | | (31.4) | | | | | | | |
fHLB 计划的净利差收入 | | 10.1 | | | 10.5 | | | 11.1 | | | 11.0 | | | 42.7 | | | 10.3 | | | 11.0 | | | | | | | |
FABN 计划: | | | | | | | | | | | | | | | | | | | | |
匹配资产的投资收益 | | 13.8 | | | 14.6 | | | 15.8 | | | 14.8 | | | 59.0 | | | 14.9 | | | 19.6 | | | | | | | |
开支 (b) | | (7.6) | | | (7.6) | | | (7.6) | | | (7.6) | | | (30.4) | | | (7.6) | | | (10.9) | | | | | | | |
FABN 计划的净利差收入 | | 6.2 | | | 7.0 | | | 8.2 | | | 7.2 | | | 28.6 | | | 7.3 | | | 8.7 | | | | | | | |
公司债务的利息支出 | | (15.7) | | | (15.6) | | | (15.7) | | | (15.7) | | | (62.7) | | | (15.7) | | | (21.8) | | | | | | | |
融资安排的利息支出 | | — | | | — | | | (1.1) | | | (1.3) | | | (2.4) | | | (1.2) | | | (1.2) | | | | | | | |
不包括可变成分的总计 | | 27.4 | | | 30.3 | | | 32.1 | | | 34.0 | | | 123.8 | | | 30.9 | | | 28.5 | | | | | | | |
可变组件: | | | | | | | | | | | | | | | | | | | | |
企业自有人寿保险(“COLI”)支持代理延期薪酬计划的净收入: | | | | | | | | | | | | | | | | | | | | |
COLI 投资价值的变化 | | 2.2 | | | 2.4 | | | 2.6 | | | 5.8 | | | 13.0 | | | 3.6 | | | 2.9 | | | | | | | |
代理人递延补偿计划的负债增加 | | (1.6) | | | (1.6) | | | (1.7) | | | (1.6) | | | (6.5) | | | (1.6) | | | (1.6) | | | | | | | |
净大肠杆菌收入(亏损) | | 0.6 | | | 0.8 | | | 0.9 | | | 4.2 | | | 6.5 | | | 2.0 | | | 1.3 | | | | | | | |
其他可变组件: | | | | | | | | | | | | | | | | | | | | |
另类投资收益(亏损): | | | | | | | | | | | | | | | | | | | | |
总计 | | (9.4) | | | 0.2 | | | 6.5 | | | 0.9 | | | (1.8) | | | (24.3) | | | 11.9 | | | | | | | |
分配给产品线 | | (7.8) | | | (7.8) | | | (7.5) | | | (7.4) | | | (30.5) | | | (7.1) | | | (6.4) | | | | | | | |
分配给 FABN 计划 | | — | | | — | | | — | | | — | | | — | | | — | | | (0.4) | | | | | | | |
超额另类投资收益(亏损) | | (17.2) | | | (7.6) | | | (1.0) | | | (6.5) | | | (32.3) | | | (31.4) | | | 5.1 | | | | | | | |
交易账户 | | 2.6 | | | 1.3 | | | 1.3 | | | 1.3 | | | 6.5 | | | 2.1 | | | 1.0 | | | | | | | |
与固定指数产品相关的套期保值差异 | | — | | | (1.0) | | | (0.3) | | | (1.2) | | | (2.5) | | | 0.5 | | | — | | | | | | | |
与固定指数年金退保相关的年度期权没收的影响 | | — | | | 1.4 | | | 2.5 | | | 3.2 | | | 7.1 | | | 6.2 | | | 6.0 | | | | | | | |
其他 (a) | | 2.1 | | | 2.8 | | | 2.9 | | | 3.3 | | | 11.1 | | | 2.0 | | | 2.9 | | | | | | | |
可变成分总数 | | (11.9) | | | (2.3) | | | 6.3 | | | 4.3 | | | (3.6) | | | (18.6) | | | 16.3 | | | | | | | |
未分配给产品线的总投资收益 | | $ | 15.5 | | | $ | 28.0 | | | $ | 38.4 | | | $ | 38.3 | | | $ | 120.2 | | | $ | 12.3 | | | $ | 44.8 | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
___________
(a) 包括预计现金流量、预付款和看涨收入以及其他投资收入变化的影响。
(b) 包括贷记利息和递延购置费用的摊销。
CNO 金融集团有限公司
分配给产品线的投资收益 (5)
(百万美元)
(未经审计)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
| | 1Q | | 2Q | | 3Q | | 4Q | | 年初至 | | 1Q | | 2Q | | | | | | |
| | 2023 | | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 | | | | | | |
平均净保险负债 (11) | | | | | | | | | | | | | | | | | | | | |
年金: | | | | | | | | | | | | | | | | | | | | |
固定指数年金 | | $ | 9,183.8 | | | $ | 9,276.0 | | | $ | 9,381.0 | | | $ | 9,508.7 | | | $ | 9,337.3 | | | $ | 9,636.3 | | | $ | 9,758.1 | | | | | | | |
固定利息年金 | | 1,630.9 | | | 1,613.1 | | | 1,603.0 | | | 1,600.9 | | | 1,612.0 | | | 1,588.0 | | | 1,569.4 | | | | | | | |
其他年金 | | 469.5 | | | 462.5 | | | 455.6 | | | 447.5 | | | 458.8 | | | 439.9 | | | 426.4 | | | | | | | |
年金平均净保险负债总额 (11) | | 11,284.2 | | | 11,351.6 | | | 11,439.6 | | | 11,557.1 | | | 11,408.1 | | | 11,664.2 | | | 11,753.9 | | | | | | | |
健康: | | | | | | | | | | | | | | | | | | | | |
补充健康 | | 3,331.0 | | | 3,350.6 | | | 3,365.8 | | | 3,356.9 | | | 3,351.1 | | | 3,346.3 | | | 3,351.1 | | | | | | | |
医疗保险补充剂 | | 124.2 | | | 118.7 | | | 107.1 | | | 106.7 | | | 114.2 | | | 114.8 | | | 111.6 | | | | | | | |
长期护理 | | 2,659.8 | | | 2,670.5 | | | 2,681.9 | | | 2,692.5 | | | 2,676.1 | | | 2,698.7 | | | 2,696.1 | | | | | | | |
健康平均净保险负债总额 (11) | | 6,115.0 | | | 6,139.8 | | | 6,154.8 | | | 6,156.1 | | | 6,141.4 | | | 6,159.8 | | | 6,158.8 | | | | | | | |
生活: | | | | | | | | | | | | | | | | | | | | |
对利息敏感 | | 1,032.0 | | | 1,035.4 | | | 1,039.6 | | | 1,045.8 | | | 1,038.2 | | | 1,056.1 | | | 1,063.0 | | | | | | | |
传统 | | 1,973.0 | | | 1,975.3 | | | 1,981.8 | | | 1,989.0 | | | 1,979.8 | | | 1,994.1 | | | 1,997.3 | | | | | | | |
人寿平均净保险负债总额 (11) | | 3,005.0 | | | 3,010.7 | | | 3,021.4 | | | 3,034.8 | | | 3,018.0 | | | 3,050.2 | | | 3,060.3 | | | | | | | |
平均净保险负债总额 (11) | | $ | 20,404.2 | | | $ | 20,502.1 | | | $ | 20,615.8 | | | $ | 20,748.0 | | | $ | 20,567.5 | | | $ | 20,874.2 | | | $ | 20,973.0 | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
分配投资的平均收益率 | | | | | | | | | | | | | | | | | | | | |
年金: | | | | | | | | | | | | | | | | | | | | |
固定指数年金 | | 4.30 | % | | 4.36 | % | | 4.45 | % | | 4.45 | % | | 4.39 | % | | 4.50 | % | | 4.66 | % | | | | | | |
固定利息年金 | | 5.13 | % | | 5.18 | % | | 5.24 | % | | 5.20 | % | | 5.19 | % | | 5.19 | % | | 5.38 | % | | | | | | |
其他年金 | | 4.86 | % | | 4.84 | % | | 4.92 | % | | 4.92 | % | | 4.88 | % | | 5.00 | % | | 5.25 | % | | | | | | |
分配给年金的投资的平均收益率 | | 4.45 | % | | 4.50 | % | | 4.58 | % | | 4.58 | % | | 4.53 | % | | 4.61 | % | | 4.78 | % | | | | | | |
健康: | | | | | | | | | | | | | | | | | | | | |
补充健康 | | 4.64 | % | | 4.64 | % | | 4.63 | % | | 4.62 | % | | 4.63 | % | | 4.66 | % | | 4.70 | % | | | | | | |
医疗保险补充剂 | | 4.13 | % | | 4.19 | % | | 4.25 | % | | 4.42 | % | | 4.24 | % | | 4.73 | % | | 4.89 | % | | | | | | |
长期护理 | | 5.13 | % | | 5.12 | % | | 5.09 | % | | 5.07 | % | | 5.10 | % | | 5.02 | % | | 5.10 | % | | | | | | |
分配给健康产品的投资的平均收益率 | | 4.84 | % | | 4.84 | % | | 4.82 | % | | 4.82 | % | | 4.83 | % | | 4.82 | % | | 4.88 | % | | | | | | |
生活: | | | | | | | | | | | | | | | | | | | | |
对利息敏感 | | 5.08 | % | | 4.91 | % | | 4.96 | % | | 4.90 | % | | 4.96 | % | | 5.00 | % | | 4.97 | % | | | | | | |
传统 | | 4.70 | % | | 4.74 | % | | 4.72 | % | | 4.69 | % | | 4.71 | % | | 4.67 | % | | 4.71 | % | | | | | | |
分配给人寿产品的投资的平均收益率 | | 4.83 | % | | 4.80 | % | | 4.81 | % | | 4.76 | % | | 4.80 | % | | 4.79 | % | | 4.80 | % | | | | | | |
总平均收益率 | | 4.62 | % | | 4.65 | % | | 4.69 | % | | 4.68 | % | | 4.66 | % | | 4.70 | % | | 4.81 | % | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
分配的投资收益 | | | | | | | | | | | | | | | | | | | | |
年金: | | | | | | | | | | | | | | | | | | | | |
固定指数年金 | | $ | 98.8 | | | $ | 101.2 | | | $ | 104.4 | | | $ | 105.9 | | | $ | 410.3 | | | $ | 108.4 | | | $ | 113.8 | | | | | | | |
固定利息年金 | | 20.9 | | | 20.9 | | | 21.0 | | | 20.8 | | | 83.6 | | | 20.6 | | | 21.1 | | | | | | | |
其他年金 | | 5.7 | | | 5.6 | | | 5.6 | | | 5.5 | | | 22.4 | | | 5.5 | | | 5.6 | | | | | | | |
分配给年金的总投资收益 | | 125.4 | | | 127.7 | | | 131.0 | | | 132.2 | | | 516.3 | | | 134.5 | | | 140.5 | | | | | | | |
健康: | | | | | | | | | | | | | | | | | | | | |
补充健康 | | 38.6 | | | 38.9 | | | 39.0 | | | 38.8 | | | 155.3 | | | 39.0 | | | 39.4 | | | | | | | |
医疗保险补充剂 | | 1.3 | | | 1.2 | | | 1.1 | | | 1.3 | | | 4.9 | | | 1.4 | | | 1.3 | | | | | | | |
长期护理 | | 34.1 | | | 34.2 | | | 34.1 | | | 34.1 | | | 136.5 | | | 33.9 | | | 34.4 | | | | | | | |
分配给健康产品的总投资收益 | | 74.0 | | | 74.3 | | | 74.2 | | | 74.2 | | | 296.7 | | | 74.3 | | | 75.1 | | | | | | | |
生活: | | | | | | | | | | | | | | | | | | | | |
对利息敏感 | | 13.1 | | | 12.7 | | | 12.9 | | | 12.8 | | | 51.5 | | | 13.2 | | | 13.2 | | | | | | | |
传统 | | 23.2 | | | 23.4 | | | 23.4 | | | 23.3 | | | 93.3 | | | 23.3 | | | 23.5 | | | | | | | |
分配给人寿产品的总投资收益 | | 36.3 | | | 36.1 | | | 36.3 | | | 36.1 | | | 144.8 | | | 36.5 | | | 36.7 | | | | | | | |
分配的投资收益总额 | | $ | 235.7 | | | $ | 238.1 | | | $ | 241.5 | | | $ | 242.5 | | | $ | 957.8 | | | $ | 245.3 | | | $ | 252.3 | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
CNO 金融集团有限公司
未分配给产品线的投资收益 (9)
(百万美元)
(未经审计)
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
| | 1Q | | 2Q | | 3Q | | 4Q | | 年初至 | | 1Q | | 2Q | | | | | | |
| | 2023 | | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 | | | | | | |
普通账户资产投资收益 | | $ | 292.2 | | | $ | 308.1 | | | $ | 324.8 | | | $ | 325.1 | | | $ | 1,250.2 | | | $ | 301.9 | | | $ | 351.7 | | | | | | | |
保单持有人和其他特殊用途的投资组合投资收益(亏损) | | 50.8 | | | 91.6 | | | (33.0) | | | 140.1 | | | 249.5 | | | 167.3 | | | 57.4 | | | | | | | |
减去存入保单持有人的股票回报: | | | | | | | | | | | | | | | | | | | | |
年金 | | (16.5) | | | (56.1) | | | 49.8 | | | (95.5) | | | (118.3) | | | (128.6) | | | (34.9) | | | | | | | |
生活 | | (2.1) | | | (6.2) | | | 4.8 | | | (9.7) | | | (13.2) | | | (11.1) | | | (4.0) | | | | | | | |
减去与可变利息实体相关的金额 | | (20.9) | | | (19.0) | | | (18.7) | | | (16.2) | | | (74.8) | | | (12.6) | | | (9.6) | | | | | | | |
减去存入递延薪酬计划的金额 | | (7.3) | | | (6.3) | | | 2.4 | | | (11.1) | | | (22.3) | | | (9.6) | | | (4.2) | | | | | | | |
其他特殊用途证券投资收益(亏损) | | 4.0 | | | 4.0 | | | 5.3 | | | 7.6 | | | 20.9 | | | 5.4 | | | 4.7 | | | | | | | |
调整后的净投资收益 | | 296.2 | | | 312.1 | | | 330.1 | | | 332.7 | | | 1,271.1 | | | 307.3 | | | 356.4 | | | | | | | |
减少分配给产品线的金额 | | | | | | | | | | | | | | | | | | | | |
年金 | | (125.4) | | | (127.7) | | | (131.0) | | | (132.2) | | | (516.3) | | | (134.5) | | | (140.5) | | | | | | | |
健康 | | (74.0) | | | (74.3) | | | (74.2) | | | (74.2) | | | (296.7) | | | (74.3) | | | (75.1) | | | | | | | |
生活 | | (36.3) | | | (36.1) | | | (36.3) | | | (36.1) | | | (144.8) | | | (36.5) | | | (36.7) | | | | | | | |
分配给产品线的总投资收入 | | (235.7) | | | (238.1) | | | (241.5) | | | (242.5) | | | (957.8) | | | (245.3) | | | (252.3) | | | | | | | |
与固定指数年金退保相关的年度期权没收的影响 | | — | | | 1.4 | | | 2.5 | | | 3.2 | | | 7.1 | | | 6.2 | | | 6.0 | | | | | | | |
减少从fHLB计划中借款的投资的利息支出 | | (21.7) | | | (24.2) | | | (28.3) | | | (30.5) | | | (104.7) | | | (31.4) | | | (31.4) | | | | | | | |
减少与 FABN 计划相关的费用 | | (7.6) | | | (7.6) | | | (7.6) | | | (7.6) | | | (30.4) | | | (7.6) | | | (10.9) | | | | | | | |
减少债务利息支出 | | (15.7) | | | (15.6) | | | (15.7) | | | (15.7) | | | (62.7) | | | (15.7) | | | (21.8) | | | | | | | |
减去融资安排的利息支出 | | — | | | — | | | (1.1) | | | (1.3) | | | (2.4) | | | (1.2) | | | (1.2) | | | | | | | |
未分配给产品系列的投资收入 | | $ | 15.5 | | | $ | 28.0 | | | $ | 38.4 | | | $ | 38.3 | | | $ | 120.2 | | | $ | 12.3 | | | $ | 44.8 | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
其他投资数据
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | |
| | 1Q | | 2Q | | 3Q | | 4Q | | 1Q | | 2Q | | | | |
| | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 | | | | |
投资资产和现金的平均账面价值 | | $ | 26,801.8 | | | $ | 26,900.3 | | | $ | 27,287.6 | | | $ | 27,648.7 | | | $ | 27,897.0 | | | $ | 28,577.4 | | | | | |
来自普通账户投资的净投资收益 | | 292.2 | | | 308.1 | | | 324.8 | | | 325.1 | | | 301.9 | | | 351.7 | | | | | |
新货币利率 (14) | | 6.34 | % | | 6.32 | % | | 6.03 | % | | 6.92 | % | | 6.17 | % | | 6.41 | % | | | | |
账面收益率 (15) | | 4.56 | % | | 4.58 | % | | 4.60 | % | | 4.62 | % | | 4.64 | % | | 4.73 | % | | | | |
所得收益率 (16) | | 4.22 | % | | 4.41 | % | | 4.55 | % | | 4.49 | % | | 4.06 | % | | 4.71 | % | | | | |
另类投资收益(亏损) | | (9.4) | | | 0.2 | | | 6.5 | | | 0.9 | | | (24.3) | | | 11.9 | | | | | |
| | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | |
CNO 金融集团有限公司
23 年第 4 季度重要项目
(以百万美元计,每股金额除外)
(未经审计)
下表汇总了重要项目对我们 23 年第四季度净营业收入的财务影响。管理层认为,确定这些项目的影响可以增强对我们经营业绩的理解。
| | | | | | | | | | | | | | | | | | | | |
| | 三个月结束了 |
| | 2023 年 12 月 31 日 |
| | 实际结果 | | 重要物品 | | 不包括重大 项目 |
保险产品利润 (4) | | | | | | |
年金利润率 | | $ | 63.6 | | | $ | (12.9) | | (a) | $ | 50.7 | |
健康边距 | | 146.4 | | | (22.3) | | (a) | 124.1 | |
寿命边距 | | 64.6 | | | 1.3 | | (a) | 65.9 | |
保险产品利润总额 | | 274.6 | | | (33.9) | | | 240.7 | |
分配的费用 | | (138.8) | | | — | | | (138.8) | |
保险产品收入 (5) | | 135.8 | | | (33.9) | | | 101.9 | |
费用收入 | | 17.8 | | | — | | | 17.8 | |
未分配给产品线的投资收益 (9) | | 38.3 | | | — | | | 38.3 | |
未分配给产品系列的费用 | | (19.8) | | | — | | | (19.8) | |
税前营业收益 | | 172.1 | | | (33.9) | | | 138.2 | |
营业收入的所得税(支出)补助 | | (38.2) | | | 7.5 | | | (30.7) | |
净营业收入 (10) | | $ | 133.9 | | | $ | (26.4) | | | $ | 107.5 | |
| | | | | | |
摊薄后每股净营业收入 | | $ | 1.18 | | | $ | (0.23) | | | $ | 0.95 | |
___________
(a) 包括我们的年度综合精算假设和模型审查产生的净有利影响3 390万美元。
CNO 金融集团有限公司
23 年第 3 季度重要项目
(以百万美元计,每股金额除外)
(未经审计)
下表汇总了重要项目对我们 23 年第三季度净营业收入的财务影响。管理层认为,确定这些项目的影响可以增强对我们经营业绩的理解。
| | | | | | | | | | | | | | | | | | | | |
| | 三个月结束了 |
| | 2023年9月30日 |
| | 实际结果 | | 重要物品 | | 不包括重大 项目 |
保险产品利润 (4) | | | | | | |
年金利润率 | | $ | 57.0 | | | $ | — | | | $ | 57.0 | |
健康边距 | | 123.2 | | | — | | | 123.2 | |
寿命边距 | | 59.8 | | | — | | | 59.8 | |
保险产品利润总额 | | 240.0 | | | — | | | 240.0 | |
分配的费用 | | (153.2) | | | — | | | (153.2) | |
保险产品收入 (5) | | 86.8 | | | — | | | 86.8 | |
费用收入 | | (2.9) | | | — | | | (2.9) | |
未分配给产品线的投资收益 (9) | | 38.4 | | | — | | | 38.4 | |
未分配给产品系列的费用 | | 7.5 | | | (21.7) | | (a) | (14.2) | |
税前营业收益 | | 129.8 | | | (21.7) | | | 108.1 | |
营业收入的所得税(支出)补助 | | (28.5) | | | 4.8 | | | (23.7) | |
净营业收入 (10) | | $ | 101.3 | | | $ | (16.9) | | | $ | 84.4 | |
| | | | | | |
摊薄后每股净营业收入 | | $ | 0.88 | | | $ | (0.14) | | | $ | 0.74 | |
___________
(a) 包括扣除费用和增加的法定应计款项后的2 170万美元的合法追回款。
CNO 金融集团有限公司
22 年第 4 季度重要项目
(以百万美元计,每股金额除外)
(未经审计)
下表汇总了重要项目对我们 22 年第四季度净营业收入的财务影响。管理层认为,确定这些项目的影响可以增强对我们经营业绩的理解。
| | | | | | | | | | | | | | | | | | | | |
| | 三个月结束了 |
| | 2022年12月31日 |
| | 实际结果 | | 重要物品 | | 不包括重大 项目 |
保险产品利润 (4) | | | | | | |
年金利润率 | | $ | 50.8 | | | $ | 3.2 | | (a) | $ | 54.0 | |
健康边距 | | 140.4 | | | (18.3) | | (a) | 122.1 | |
寿命边距 | | 43.3 | | | 14.4 | | (a) | 57.7 | |
保险产品利润总额 | | 234.5 | | | (0.7) | | | 233.8 | |
分配的费用 | | (149.1) | | | — | | | (149.1) | |
保险产品收入 (5) | | 85.4 | | | (0.7) | | | 84.7 | |
费用收入 | | 9.2 | | | — | | | 9.2 | |
未分配给产品线的投资收益 (9) | | 25.2 | | | — | | | 25.2 | |
未分配给产品系列的费用 | | (12.8) | | | — | | | (12.8) | |
税前营业收益 | | 107.0 | | | (0.7) | | | 106.3 | |
营业收入的所得税(支出)补助 | | (24.1) | | | 0.2 | | | (23.9) | |
净营业收入 (10) | | $ | 82.9 | | | $ | (0.5) | | | $ | 82.4 | |
| | | | | | |
摊薄后每股净营业收入 | | $ | 0.71 | | | $ | — | | | $ | 0.71 | |
___________
(a) 由我们的年度综合精算假设和模型审查产生的700万美元净有利影响组成。
CNO 金融集团有限公司
22 年第二季度重要项目
(以百万美元计,每股金额除外)
(未经审计)
下表汇总了重要项目对我们 22 年第二季度净营业收入的财务影响。管理层认为,确定这些项目的影响可以增强对我们经营业绩的理解。
| | | | | | | | | | | | | | | | | | | | |
| | 三个月结束了 |
| | 2022年6月30日 |
| | 实际结果 | | 重要物品 | | 不包括重大 项目 |
保险产品利润 (4) | | | | | | |
年金利润率 | | $ | 60.1 | | | $ | — | | | $ | 60.1 | |
健康边距 | | 125.4 | | | — | | | 125.4 | |
寿命边距 | | 70.2 | | | — | | | 70.2 | |
保险产品利润总额 | | 255.7 | | | — | | | 255.7 | |
分配的费用 | | (152.2) | | | — | | | (152.2) | |
保险产品收入 (5) | | 103.5 | | | — | | | 103.5 | |
费用收入 | | 3.2 | | | — | | | 3.2 | |
未分配给产品线的投资收益 (9) | | 64.6 | | | — | | | 64.6 | |
未分配给产品系列的费用 | | 2.9 | | | (22.5) | | (a) | (19.6) | |
税前营业收益 | | 174.2 | | | (22.5) | | | 151.7 | |
营业收入的所得税(支出)补助 | | (39.1) | | | 5.1 | | | (34.0) | |
净营业收入 (10) | | $ | 135.1 | | | $ | (17.4) | | | $ | 117.7 | |
| | | | | | |
摊薄后每股净营业收入 | | $ | 1.15 | | | $ | (0.15) | | | $ | 1.00 | |
___________
(a) 包括与再保险协议相关的2 250万美元经验退款。
注意事项
(1) 不包括累计的其他综合收益(亏损)。管理层认为,这种非公认会计准则指标很有用,因为它消除了因投资未实现升值(折旧)变化而产生的波动性。
(2) 股东权益除以已发行普通股。
(3) 摊薄后每股账面价值反映了行使未发行股票期权并将限制性股票和绩效单位归属时可能发生的稀释情况。期权、限制性股票和绩效单位的稀释使用库存股法计算。根据这种方法,我们假设行使期权的收益(或与限制性股票和绩效单位相关的未确认的薪酬支出)将用于以期限最后一天的收盘价购买我们的普通股。
(4) 保险利润率是管理层衡量其年金、健康和人寿产品系列业绩盈利能力的指标,包括保单收入加上分配的投资收益减去保单福利、贷记利息、佣金、广告费用和收购成本摊销。保险产品的收入是年金、健康和人寿产品系列的保险利润减去分配给保险产品系列的支出之和。它不包括我们的费用收入业务的收入、未分配给产品线的投资收益、未分配给产品系列的净支出(主要是持有公司支出)和所得税。管理层认为,这些信息有助于更好地了解业务,并对我们的保险产品线的结果进行更有意义的分析。保险产品收入是一项非公认会计准则指标,是净营业收入的组成部分,在本季度财务补充文件第5页中,净营业收入与净收入进行了对账。
(5) 使用支持该业务区块的投资的账面收益率将投资收益分配给产品系列,该收益适用于该区块在每个时期的平均净保险负债。净保险负债的定义见附注 (11)。
(6) 不包括支持固定指数年金产品的标的期权的市值变化以及记入保单持有人账户余额的相应金额。在23年第一季度、23年第二季度、23年第三季度、23年第三季度、23年第四季度、24年第一季度和第二季度,这些金额分别为1,650万美元、5,610万美元、(4,980万美元)、9,550万美元、1.286亿美元和3,490万美元。
(7) 不包括支持固定指数人寿产品的标的期权的市值变化以及记入保单持有人账户余额的相应金额。在23年第一季度、23年第二季度、23年第三季度、23年第四季度、第二季度以及24年第二季度,这些金额分别为210万美元、620万美元、(480万美元)、970万美元、1,110万美元和400万美元。
(8) 保险产品的收入是年金、健康和人寿产品系列的保险利润减去分配给保险项目的支出之和。它不包括我们的费用收入业务的收入、未分配给产品线的投资收益、未分配给产品系列的净支出(主要是持有公司支出)和所得税。管理层认为,这些信息有助于更好地了解业务,并对我们的保险产品线的结果进行更有意义的分析。保险产品收入是一项非公认会计准则指标,是净营业收入的组成部分,在本季度财务补充文件第5页中,净营业收入与净收入进行了对账。
(9) 未分配给产品系列的投资收益表示净投资收益减去:(i)记入保单持有人账户余额的股票回报;(ii)分配给我们产品系列的投资收益;(iii)应付票据、投资借款和融资安排的利息支出;(iv)与FABN计划相关的支出;(v)与福利计划相关的某些费用,但被特殊用途投资收益所抵消;以及(vi)年度期权的影响与固定指数年金退保有关的没收。未分配给产品系列的投资收益包括超过产品系列分配金额的投资收益、我们的控股公司持有的投资、我们从联邦住房贷款银行投资借款和FABN计划中获得的利差以及投资收益的可变组成部分(包括看涨和预付收入)、现金流变化对结构性证券回报率的调整、公司自有人寿保险(“COLI”)的收入(亏损)和未分配给产品系列的另类投资收入),扣除公司债务和融资安排的利息支出。
(10) 管理层认为,对扣除税款后净收益的分析适用于普通股:(i)扣除税款后的销售、减值和信贷损失备抵变动的净已实现投资收益或亏损;(ii)扣除税款后已确认收益的投资市值的净变化;(iii)与固定指数年金相关的嵌入式衍生负债的公允价值变动;(iv)公允价值变动与代理人递延补偿计划有关,扣除税款;(v)与再保险相关的损失扣除税款的交易;(vi)扣除税款的债务清偿损失;(vii)递延所得税资产和其他税收项目的估值补贴的变动;以及(viii)其他非经营项目,主要由可变利息实体扣除税收后的收益(“净营业收入”,非公认会计准则财务指标)对评估公司的财务业绩非常重要,也是人寿保险行业常用的关键指标。管理层使用这种衡量标准来评估业绩,因为不包括在净营业收入中的项目可能会受到与公司基本面无关的事件的影响。
(11) 用于向产品系列分配投资收益的净保险负债等于:(i)年金产品的保单持有人账户余额;(ii)所有其他产品的累计其他综合收益(亏损)(如果适用)中反映的公允价值调整前的准备金总额;减去(iii)与再保险业务相关的金额;(iv)递延收购成本;(v)未来利润的现值;以及(vi)价值记入保险负债的未到期期权的百分比。
(12) 季度利润率/平均净保险负债的计算方法是按年计算季度利润率除以平均净保险负债。
(13) 根据监管机构为CNO Financial的美国保险子公司规定或允许的法定会计惯例,在适当取消此类子公司的公司间账户后。这种会计惯例不同于GAAP。
(14) 新的货币利率适用于在此期间为支持我们的保险产品和资本而购买的投资。它不包括根据我们的联邦住房贷款银行和FABN计划通过投资借款购买的投资以及可变利息实体购买的投资的新货币利率。
注意事项(续)
(15)固定期限投资的账面收益率,不包括在:(i)联邦住房贷款银行和FABN计划中持有的投资;以及(ii)可变利息实体持有的投资。
(16)所得收益率是该期间赚取的投资收益除以投资组合的平均账面价值,不包括:(i)在联邦住房贷款银行和FABN计划中持有的投资;以及(ii)可变利息实体持有的投资。