Document附錄 99.2
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| 目錄 | | | | 頁面 |
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| 合併資產負債表 | | | | 3 |
| 合併運營報表 | | | | 4 |
| 財務摘要 | | | | 5 |
| 保險業務 | | | | 6 |
| 保險產品的利潤 | | | | 7-9 |
| 收取的保費和保單收入 | | | | 10 |
| 健康和人壽新年化保費 | | | | 11 |
| 計算已發行股票的加權平均值 | | | | 12 |
| 年金-賬户價值向前滾動 | | | | 13 |
| 美國保險子公司的合併法定信息 | | | | 14 |
| 未分配給產品系列的投資收益和分配給產品系列的投資收益 | | | | 15-18 |
| 其他投資數據 | | | | 18 |
| 重要物品 | | | | 19-20 |
| 注意事項 | | | | 21-22 |
CNO 金融集團有限公司
合併資產負債表
（百萬美元）
（未經審計）
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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 | | | | |
| 資產 | | | | | | | | | | | | | | | |
| 投資： | | | | | | | | | | | | | | | |
| 固定到期日，可供出售，按公允價值計算 | $ | 21,107.1 | | | $ | 20,959.7 | | | $ | 20,305.2 | | | $ | 21,506.2 | | | $ | 21,648.1 | | | $ | 22,617.9 | | | | | |
| 按公允價值計算的股票證券 | 106.1 | | | 96.4 | | | 95.5 | | | 96.9 | | | 118.4 | | | 117.7 | | | | | |
| 抵押貸款 | 1,676.1 | | | 1,825.9 | | | 1,971.3 | | | 2,064.1 | | | 2,087.1 | | | 2,176.0 | | | | | |
| 保單貸款 | 123.0 | | | 124.2 | | | 126.4 | | | 128.5 | | | 130.3 | | | 131.3 | | | | | |
| 交易證券 | 208.1 | | | 218.9 | | | 221.2 | | | 222.7 | | | 222.8 | | | 207.8 | | | | | |
| 可變利息實體持有的投資 | 1,017.9 | | | 948.2 | | | 858.1 | | | 768.6 | | | 533.4 | | | 425.5 | | | | | |
| 其他投資資產 | 1,097.1 | | | 1,176.7 | | | 1,119.9 | | | 1,353.4 | | | 1,471.3 | | | 1,554.0 | | | | | |
| 投資總額 | 25,335.4 | | | 25,350.0 | | | 24,697.6 | | | 26,140.4 | | | 26,211.4 | | | 27,230.2 | | | | | |
| 現金和現金等價物-無限制 | 425.0 | | | 457.7 | | | 460.8 | | | 774.5 | | | 566.3 | | | 878.8 | | | | | |
| 可變利息實體持有的現金和現金等價物 | 97.1 | | | 104.2 | | | 122.0 | | | 114.5 | | | 83.5 | | | 113.3 | | | | | |
| 應計投資收益 | 241.3 | | | 242.1 | | | 252.3 | | | 251.5 | | | 252.0 | | | 262.5 | | | | | |
| 未來利潤的現值 | 197.6 | | | 191.8 | | | 186.2 | | | 180.7 | | | 175.5 | | | 170.4 | | | | | |
| 遞延收購成本 | 1,811.3 | | | 1,857.7 | | | 1,897.5 | | | 1,944.4 | | | 1,992.3 | | | 2,047.2 | | | | | |
| 再保險應收賬款 | 4,189.6 | | | 4,029.2 | | | 4,053.2 | | | 4,040.7 | | | 3,969.0 | | | 3,910.9 | | | | | |
| 市場風險收益資產 | 57.8 | | | 66.0 | | | 89.3 | | | 75.4 | | | 84.1 | | | 84.5 | | | | | |
| 所得税資產，淨額 | 988.1 | | | 1,007.1 | | | 1,039.8 | | | 936.2 | | | 886.1 | | | 882.8 | | | | | |
| 在單獨賬户中持有的資產 | 2.8 | | | 3.0 | | | 2.9 | | | 3.1 | | | 3.3 | | | 3.2 | | | | | |
| 其他資產 | 669.0 | | | 745.1 | | | 705.8 | | | 641.1 | | | 716.2 | | | 706.4 | | | | | |
| 總資產 | $ | 34,015.0 | | | $ | 34,053.9 | | | $ | 33,507.4 | | | $ | 35,102.5 | | | $ | 34,939.7 | | | $ | 36,290.2 | | | | | |
| 負債 | | | | | | | | | | | | | | | |
| 保險產品的負債： | | | | | | | | | | | | | | | |
| 保單持有人賬户餘額 | $ | 15,302.9 | | | $ | 15,387.7 | | | $ | 15,481.8 | | | $ | 15,667.8 | | | $ | 15,736.7 | | | $ | 16,637.9 | | | | | |
| 未來的政策好處 | 11,623.3 | | | 11,479.6 | | | 10,829.9 | | | 11,928.2 | | | 11,736.5 | | | 11,479.4 | | | | | |
| 市場風險收益負債 | 17.6 | | | 10.5 | | | 3.1 | | | 7.4 | | | 3.8 | | | 3.2 | | | | | |
| 人壽保險保單索賠的責任 | 67.6 | | | 64.6 | | | 60.8 | | | 62.1 | | | 65.1 | | | 59.6 | | | | | |
| 未賺取的保費和預付保費 | 243.5 | | | 233.6 | | | 221.2 | | | 218.9 | | | 226.0 | | | 220.9 | | | | | |
| 與獨立賬户相關的負債 | 2.8 | | | 3.0 | | | 2.9 | | | 3.1 | | | 3.3 | | | 3.2 | | | | | |
| 其他負債 | 681.3 | | | 898.9 | | | 869.6 | | | 848.8 | | | 905.0 | | | 934.4 | | | | | |
| 投資借款 | 1,839.6 | | | 1,839.5 | | | 2,089.4 | | | 2,189.3 | | | 2,189.1 | | | 2,189.0 | | | | | |
| 與可變利息實體相關的借款 | 1,065.4 | | | 1,001.0 | | | 918.5 | | | 820.8 | | | 565.5 | | | 501.4 | | | | | |
| 應付票據——直接公司債務 | 1,139.2 | | | 1,139.7 | | | 1,140.1 | | | 1,140.5 | | | 1,141.0 | | | 1,832.3 | | | | | |
| 負債總額 | 31,983.2 | | | 32,058.1 | | | 31,617.3 | | | 32,886.9 | | | 32,572.0 | | | 33,861.3 | | | | | |
| 股東權益 | | | | | | | | | | | | | | | |
| 普通股 | 1.1 | | | 1.1 | | | 1.1 | | | 1.1 | | | 1.1 | | | 1.1 | | | | | |
| 額外的實收資本 | 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 | | | | | |
| 累計其他綜合虧損前的股東權益總額 | 3,696.2 | | | 3,729.3 | | | 3,846.8 | | | 3,792.4 | | | 3,848.0 | | | 3,893.2 | | | | | |
| 累計其他綜合虧損 | (1,664.4) | | | (1,733.5) | | | (1,956.7) | | | (1,576.8) | | | (1,480.3) | | | (1,464.3) | | | | | |
| 股東權益總額 | 2,031.8 | | | 1,995.8 | | | 1,890.1 | | | 2,215.6 | | | 2,367.7 | | | 2,428.9 | | | | | |
| 負債和股東權益總額 | $ | 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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| 普通股每股賬面價值 | $ | 17.68 | | | $ | 17.56 | | | $ | 16.85 | | | $ | 20.26 | | | $ | 21.81 | | | $ | 22.80 | | | | | |
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| 普通股每股賬面價值，不包括累計的其他綜合虧損 (1) (2) | $ | 32.17 | | | $ | 32.81 | | | $ | 34.30 | | | $ | 34.68 | | | $ | 35.44 | | | $ | 36.55 | | | | | |
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| 攤薄後每股賬面價值 (1) (3) | $ | 31.82 | | | $ | 32.34 | | | $ | 33.75 | | | $ | 33.94 | | | $ | 34.97 | | | $ | 36.00 | | | | | |
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CNO 金融集團有限公司
合併運營報表
（百萬美元）
（未經審計）
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| 1Q | | 2Q | | 3Q | | 4Q | | 年初至 | | 1Q | | 2Q | | | | | | |
| 2023 | | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 | | | | | | |
| 收入 | | | | | | | | | | | | | | | | | | | |
| 保險單收入 | $ | 625.5 | | | $ | 628.3 | | | $ | 626.0 | | | $ | 625.7 | | | $ | 2,505.5 | | | $ | 628.4 | | | $ | 641.5 | | | | | | | |
| 淨投資收益： | | | | | | | | | | | | | | | | | | | |
| 普通賬户資產 | 292.2 | | | 308.1 | | | 324.8 | | | 325.1 | | | 1,250.2 | | | 301.9 | | | 351.7 | | | | | | | |
| 保單持有人和其他特殊用途投資組合 | 50.8 | | | 91.6 | | | (33.0) | | | 140.1 | | | 249.5 | | | 167.3 | | | 57.4 | | | | | | | |
| 投資收益（虧損）： | | | | | | | | | | | | | | | | | | | |
| 已實現的投資損失 | (14.6) | | | (21.8) | | | (21.6) | | | (11.3) | | | (69.3) | | | (10.0) | | | (26.3) | | | | | | | |
| 其他投資收益（虧損） | — | | | (13.5) | | | (7.7) | | | 21.5 | | | 0.3 | | | 17.8 | | | 9.1 | | | | | | | |
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| 投資收益（虧損）總額 | (14.6) | | | (35.3) | | | (29.3) | | | 10.2 | | | (69.0) | | | 7.8 | | | (17.2) | | | | | | | |
| 費用收入和其他收入 | 52.1 | | | 30.1 | | | 59.0 | | | 69.4 | | | 210.6 | | | 51.1 | | | 32.8 | | | | | | | |
| 總收入 | 1,006.0 | | | 1,022.8 | | | 947.5 | | | 1,170.5 | | | 4,146.8 | | | 1,156.5 | | | 1,066.2 | | | | | | | |
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| 福利和開支 | | | | | | | | | | | | | | | | | | | |
| 保險保單的好處 | 609.7 | | | 565.9 | | | 399.1 | | | 743.5 | | | 2,318.2 | | | 631.4 | | | 568.8 | | | | | | | |
| 未來保單福利的負債調整（收益）虧損 | 0.6 | | | 8.3 | | | (0.1) | | | (30.0) | | | (21.2) | | | (6.4) | | | (30.0) | | | | | | | |
| 市場風險收益公允價值的變化 | 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 | | | | | | | |
| 遞延收購成本和未來利潤現值的攤銷 | 55.5 | | | 56.0 | | | 57.0 | | | 58.9 | | | 227.4 | | | 60.5 | | | 61.4 | | | | | | | |
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| 其他運營成本和支出 | 271.7 | | | 256.5 | | | 247.1 | | | 273.0 | | | 1,048.3 | | | 278.3 | | | 251.4 | | | | | | | |
| 福利和支出總額 | 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（虧損） | (1.0) | | | 96.1 | | | 215.6 | | | 46.1 | | | 356.8 | | | 146.2 | | | 150.6 | | | | | | | |
| 期內收入（虧損）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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| 淨收益（虧損） | $ | (0.8) | | | $ | 73.7 | | | $ | 167.3 | | | $ | 36.3 | | | $ | 276.5 | | | $ | 112.3 | | | $ | 116.3 | | | | | | | |
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CNO 金融集團有限公司
財務摘要
（以百萬美元計，每股數據除外）
（未經審計）
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| 1Q | | 2Q | | 3Q | | 4Q | | 年初至 | | 1Q | | 2Q | | | | | | |
| 2023 | | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 | | | | | | |
| 保險產品利潤 (4) | | | | | | | | | | | | | | | | | | | |
| 年金利潤率 | $ | 57.3 | | | $ | 57.1 | | | $ | 57.0 | | | $ | 63.6 | | | $ | 235.0 | | | $ | 52.0 | | | $ | 76.1 | | | | | | | |
| 健康邊距 | 116.5 | | | 108.2 | | | 123.2 | | | 146.4 | | | 494.3 | | | 123.0 | | | 135.9 | | | | | | | |
| 壽命邊距 | 47.4 | | | 57.9 | | | 59.8 | | | 64.6 | | | 229.7 | | | 54.6 | | | 63.1 | | | | | | | |
| 保險產品利潤總額 | 221.2 | | | 223.2 | | | 240.0 | | | 274.6 | | | 959.0 | | | 229.6 | | | 275.1 | | | | | | | |
| 分配的費用 | (157.5) | | | (149.5) | | | (153.2) | | | (138.8) | | | (599.0) | | | (161.6) | | | (154.6) | | | | | | | |
| 保險產品收入 (8) | 63.7 | | | 73.7 | | | 86.8 | | | 135.8 | | | 360.0 | | | 68.0 | | | 120.5 | | | | | | | |
| 費用收入 | 15.5 | | | 0.6 | | | (2.9) | | | 17.8 | | | 31.0 | | | 11.3 | | | 0.8 | | | | | | | |
| 未分配給產品線的投資收益 (9) | 15.5 | | | 28.0 | | | 38.4 | | | 38.3 | | | 120.2 | | | 12.3 | | | 44.8 | | | | | | | |
| 未分配給產品系列的費用 | (18.3) | | | (21.1) | | | 7.5 | | | (19.8) | | | (51.7) | | | (16.8) | | | (17.5) | | | | | | | |
| 税前營業收益 | 76.4 | | | 81.2 | | | 129.8 | | | 172.1 | | | 459.5 | | | 74.8 | | | 148.6 | | | | | | | |
| 營業收入的所得税支出 | (17.8) | | | (18.9) | | | (28.5) | | | (38.2) | | | (103.4) | | | (17.3) | | | (34.0) | | | | | | | |
| 淨營業收入 (10) | 58.6 | | | 62.3 | | | 101.3 | | | 133.9 | | | 356.1 | | | 57.5 | | | 114.6 | | | | | | | |
| 來自銷售、減值和信貸損失備抵變動的淨已實現投資收益（虧損） | (12.7) | | | (31.3) | | | (20.1) | | | 1.4 | | | (62.7) | | | (4.6) | | | (21.9) | | | | | | | |
| 收益中確認的投資市值的淨變動 | (1.9) | | | (4.0) | | | (9.2) | | | 8.8 | | | (6.3) | | | 12.4 | | | 4.7 | | | | | | | |
| 與代理人遞延薪酬計劃相關的公允價值變動 | — | | | — | | | 6.8 | | | (10.3) | | | (3.5) | | | — | | | 3.5 | | | | | | | |
| 嵌入式衍生負債公允價值的變化和市場風險收益 | (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) | | | | | | | |
| 税前淨營業外收入（虧損） | (77.4) | | | 14.9 | | | 85.8 | | | (126.0) | | | (102.7) | | | 71.4 | | | 2.0 | | | | | | | |
| 營業外收入（虧損）的所得税（支出）補助 | 18.0 | | | (3.5) | | | (19.8) | | | 28.4 | | | 23.1 | | | (16.6) | | | (0.3) | | | | | | | |
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| 淨營業外收入（虧損） | (59.4) | | | 11.4 | | | 66.0 | | | (97.6) | | | (79.6) | | | 54.8 | | | 1.7 | | | | | | | |
| 淨收益（虧損） | $ | (0.8) | | | $ | 73.7 | | | $ | 167.3 | | | $ | 36.3 | | | $ | 276.5 | | | $ | 112.3 | | | $ | 116.3 | | | | | | | |
| 攤薄後每股 | | | | | | | | | | | | | | | | | | | |
| 淨營業收入 | $ | 0.51 | | | $ | 0.54 | | | $ | 0.88 | | | $ | 1.18 | | | $ | 3.09 | | | $ | 0.52 | | | $ | 1.05 | | | | | | | |
| 淨營業外收入（虧損） | (0.52) | | | 0.10 | | | 0.58 | | | (0.86) | | | (0.69) | | | 0.49 | | | 0.01 | | | | | | | |
| 淨收益（虧損） | $ | (0.01) | | | $ | 0.64 | | | $ | 1.46 | | | $ | 0.32 | | | $ | 2.40 | | | $ | 1.01 | | | $ | 1.06 | | | | | | | |
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CNO 金融集團有限公司
保險業務
（百萬美元）
（未經審計）
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| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | 年初至 | | 1Q | | 2Q | | | | | | |
| 2023 | | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 | | | | | | |
| 保險產品利潤 (4) | | | | | | | | | | | | | | | | | | | |
| 年金： | | | | | | | | | | | | | | | | | | | |
| 保險單收入 | $ | 5.1 | | | $ | 8.1 | | | $ | 7.2 | | | $ | 8.0 | | | $ | 28.4 | | | $ | 7.3 | | | $ | 9.3 | | | | | | | |
| 淨投資收益 (5) (6) | 125.4 | | | 127.7 | | | 131.0 | | | 132.2 | | | 516.3 | | | 134.5 | | | 140.5 | | | | | | | |
| 保險保單的好處 | (8.7) | | | (10.6) | | | (9.8) | | | 0.1 | | | (29.0) | | | (11.3) | | | 8.4 | | | | | | | |
| 貸記利息 (6) | (48.1) | | | (50.6) | | | (53.4) | | | (57.3) | | | (209.4) | | | (58.3) | | | (61.2) | | | | | | | |
| 攤銷和非延期佣金 | (16.4) | | | (17.5) | | | (18.0) | | | (19.4) | | | (71.3) | | | (20.2) | | | (20.9) | | | | | | | |
| 年金利潤率 | 57.3 | | | 57.1 | | | 57.0 | | | 63.6 | | | 235.0 | | | 52.0 | | | 76.1 | | | | | | | |
| 健康： | | | | | | | | | | | | | | | | | | | |
| 保險單收入 | 401.4 | | | 397.1 | | | 397.8 | | | 398.3 | | | 1,594.6 | | | 398.4 | | | 403.6 | | | | | | | |
| 淨投資收益 (5) | 74.0 | | | 74.3 | | | 74.2 | | | 74.2 | | | 296.7 | | | 74.3 | | | 75.1 | | | | | | | |
| 保險保單的好處 | (318.1) | | | (322.7) | | | (308.5) | | | (285.6) | | | (1,234.9) | | | (308.5) | | | (302.3) | | | | | | | |
| 攤銷和非延期佣金 | (40.8) | | | (40.5) | | | (40.3) | | | (40.5) | | | (162.1) | | | (41.2) | | | (40.5) | | | | | | | |
| 健康邊距 | 116.5 | | | 108.2 | | | 123.2 | | | 146.4 | | | 494.3 | | | 123.0 | | | 135.9 | | | | | | | |
| 生活： | | | | | | | | | | | | | | | | | | | |
| 保險單收入 | 219.0 | | | 223.1 | | | 221.0 | | | 219.4 | | | 882.5 | | | 222.7 | | | 228.6 | | | | | | | |
| 淨投資收益 (5) (7) | 36.3 | | | 36.1 | | | 36.3 | | | 36.1 | | | 144.8 | | | 36.5 | | | 36.7 | | | | | | | |
| 保險保單的好處 | (147.2) | | | (142.8) | | | (140.7) | | | (139.3) | | | (570.0) | | | (144.0) | | | (144.6) | | | | | | | |
| 貸記利息 (7) | (12.1) | | | (12.2) | | | (12.1) | | | (12.9) | | | (49.3) | | | (12.5) | | | (12.4) | | | | | | | |
| 攤銷和非延期佣金 | (19.9) | | | (20.8) | | | (22.1) | | | (23.0) | | | (85.8) | | | (23.5) | | | (24.3) | | | | | | | |
| 廣告費用 | (28.7) | | | (25.5) | | | (22.6) | | | (15.7) | | | (92.5) | | | (24.6) | | | (20.9) | | | | | | | |
| 壽命邊距 | 47.4 | | | 57.9 | | | 59.8 | | | 64.6 | | | 229.7 | | | 54.6 | | | 63.1 | | | | | | | |
| 保險產品利潤總額 | 221.2 | | | 223.2 | | | 240.0 | | | 274.6 | | | 959.0 | | | 229.6 | | | 275.1 | | | | | | | |
| 分配的費用： | | | | | | | | | | | | | | | | | | | |
| 分支機構開支 | (19.8) | | | (15.9) | | | (16.3) | | | (12.9) | | | (64.9) | | | (19.8) | | | (16.2) | | | | | | | |
| 其他分配的開支 | (137.7) | | | (133.6) | | | (136.9) | | | (125.9) | | | (534.1) | | | (141.8) | | | (138.4) | | | | | | | |
| 保險產品收入 (8) | 63.7 | | | 73.7 | | | 86.8 | | | 135.8 | | | 360.0 | | | 68.0 | | | 120.5 | | | | | | | |
| 費用收入 | 15.5 | | | 0.6 | | | (2.9) | | | 17.8 | | | 31.0 | | | 11.3 | | | 0.8 | | | | | | | |
| 未分配給產品線的投資收益 (9) | 15.5 | | | 28.0 | | | 38.4 | | | 38.3 | | | 120.2 | | | 12.3 | | | 44.8 | | | | | | | |
| 未分配給產品系列的費用 | (18.3) | | | (21.1) | | | 7.5 | | | (19.8) | | | (51.7) | | | (16.8) | | | (17.5) | | | | | | | |
| 税前營業收益 | 76.4 | | | 81.2 | | | 129.8 | | | 172.1 | | | 459.5 | | | 74.8 | | | 148.6 | | | | | | | |
| 營業收入的所得税支出 | (17.8) | | | (18.9) | | | (28.5) | | | (38.2) | | | (103.4) | | | (17.3) | | | (34.0) | | | | | | | |
| 淨營業收入 (10) | $ | 58.6 | | | $ | 62.3 | | | $ | 101.3 | | | $ | 133.9 | | | $ | 356.1 | | | $ | 57.5 | | | $ | 114.6 | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
CNO 金融集團有限公司
年金產品的利潤
（百萬美元）
（未經審計）
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | 年初至 | | 1Q | | 2Q | | | | | | |
| 2023 | | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 | | | | | | |
| 年金利潤率 (4)： | | | | | | | | | | | | | | | | | | | |
| 固定指數年金 | | | | | | | | | | | | | | | | | | | |
| 保險單收入 | $ | 3.6 | | | $ | 5.5 | | | $ | 5.1 | | | $ | 5.5 | | | $ | 19.7 | | | $ | 6.0 | | | $ | 7.2 | | | | | | | |
| 淨投資收益 (5) (6) | 98.8 | | | 101.2 | | | 104.4 | | | 105.9 | | | 410.3 | | | 108.4 | | | 113.8 | | | | | | | |
| 保險保單的好處 | (4.1) | | | (4.2) | | | (4.3) | | | 2.5 | | | (10.1) | | | (5.8) | | | (2.6) | | | | | | | |
| 貸記利息 (6) | (36.4) | | | (38.9) | | | (41.5) | | | (45.1) | | | (161.9) | | | (46.7) | | | (49.4) | | | | | | | |
| 攤銷和非延期佣金 | (15.4) | | | (16.0) | | | (16.5) | | | (17.9) | | | (65.8) | | | (18.5) | | | (19.1) | | | | | | | |
| 固定指數年金的利潤 | $ | 46.5 | | | $ | 47.6 | | | $ | 47.2 | | | $ | 50.9 | | | $ | 192.2 | | | $ | 43.4 | | | $ | 49.9 | | | | | | | |
| 平均淨保險負債 (11) | $ | 9,183.8 | | | $ | 9,276.0 | | | $ | 9,381.0 | | | $ | 9,508.7 | | | $ | 9,337.3 | | | $ | 9,636.3 | | | $ | 9,758.1 | | | | | | | |
| 利潤率/平均淨保險負債 (12) | 2.03 | % | | 2.05 | % | | 2.01 | % | | 2.14 | % | | 2.06 | % | | 1.80 | % | | 2.05 | % | | | | | | |
| 固定利息年金 | | | | | | | | | | | | | | | | | | | |
| 保險單收入 | $ | 0.3 | | | $ | 0.2 | | | $ | 0.3 | | | $ | 0.2 | | | $ | 1.0 | | | $ | 0.1 | | | $ | 0.4 | | | | | | | |
| 淨投資收益 (5) | 20.9 | | | 20.9 | | | 21.0 | | | 20.8 | | | 83.6 | | | 20.6 | | | 21.1 | | | | | | | |
| 保險保單的好處 | (0.1) | | | — | | | (0.1) | | | (0.3) | | | (0.5) | | | (0.4) | | | 0.1 | | | | | | | |
| 利息貸記 | (11.1) | | | (11.1) | | | (11.4) | | | (11.6) | | | (45.2) | | | (11.1) | | | (11.3) | | | | | | | |
| 攤銷和非延期佣金 | (0.9) | | | (1.3) | | | (1.4) | | | (1.4) | | | (5.0) | | | (1.6) | | | (1.6) | | | | | | | |
| 固定利息年金的利潤 | $ | 9.1 | | | $ | 8.7 | | | $ | 8.4 | | | $ | 7.7 | | | $ | 33.9 | | | $ | 7.6 | | | $ | 8.7 | | | | | | | |
| 平均淨保險負債 (11) | $ | 1,630.9 | | | $ | 1,613.1 | | | $ | 1,603.0 | | | $ | 1,600.9 | | | $ | 1,612.0 | | | $ | 1,588.0 | | | $ | 1,569.4 | | | | | | | |
| 利潤率/平均淨保險負債 (12) | 2.23 | % | | 2.16 | % | | 2.10 | % | | 1.92 | % | | 2.10 | % | | 1.91 | % | | 2.22 | % | | | | | | |
| 其他年金 | | | | | | | | | | | | | | | | | | | |
| 保險單收入 | $ | 1.2 | | | $ | 2.4 | | | $ | 1.8 | | | $ | 2.3 | | | $ | 7.7 | | | $ | 1.2 | | | $ | 1.7 | | | | | | | |
| 淨投資收益 (5) | 5.7 | | | 5.6 | | | 5.6 | | | 5.5 | | | 22.4 | | | 5.5 | | | 5.6 | | | | | | | |
| 保險保單的好處 | (4.5) | | | (6.4) | | | (5.4) | | | (2.1) | | | (18.4) | | | (5.1) | | | 10.9 | | | | | | | |
| 利息貸記 | (0.6) | | | (0.6) | | | (0.5) | | | (0.6) | | | (2.3) | | | (0.5) | | | (0.5) | | | | | | | |
| 攤銷和非延期佣金 | (0.1) | | | (0.2) | | | (0.1) | | | (0.1) | | | (0.5) | | | (0.1) | | | (0.2) | | | | | | | |
| 其他年金的利潤 | $ | 1.7 | | | $ | 0.8 | | | $ | 1.4 | | | $ | 5.0 | | | $ | 8.9 | | | $ | 1.0 | | | $ | 17.5 | | | | | | | |
| 平均淨保險負債 (11) | $ | 469.5 | | | $ | 462.5 | | | $ | 455.6 | | | $ | 447.5 | | | $ | 458.8 | | | $ | 439.9 | | | $ | 426.4 | | | | | | | |
| 利潤率/平均淨保險負債 (12) | 1.45 | % | | 0.69 | % | | 1.23 | % | | 4.47 | % | | 1.94 | % | | 0.91 | % | | 16.42 | % | | | | | | |
| 年金總利潤率 | $ | 57.3 | | | $ | 57.1 | | | $ | 57.0 | | | $ | 63.6 | | | $ | 235.0 | | | $ | 52.0 | | | $ | 76.1 | | | | | | | |
| 平均淨保險負債 (11) | $ | 11,284.2 | | | $ | 11,351.6 | | | $ | 11,439.6 | | | $ | 11,557.1 | | | $ | 11,408.1 | | | $ | 11,664.2 | | | $ | 11,753.9 | | | | | | | |
| 利潤率/平均淨保險負債 (12) | 2.03 | % | | 2.01 | % | | 1.99 | % | | 2.20 | % | | 2.06 | % | | 1.78 | % | | 2.59 | % | | | | | | |
| | | | | | | | | | | | | | | | | | | |
CNO 金融集團有限公司
健康產品的利潤
（百萬美元）
（未經審計）
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | 年初至 | | 1Q | | 2Q | | | | | | |
| 2023 | | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 | | | | | | |
| 生命值邊距 (4)： | | | | | | | | | | | | | | | | | | | |
| 補充健康 | | | | | | | | | | | | | | | | | | | |
| 保險單收入 | $ | 179.0 | | | $ | 176.2 | | | $ | 177.9 | | | $ | 178.1 | | | $ | 711.2 | | | $ | 179.7 | | | $ | 180.1 | | | | | | | |
| 淨投資收益 (5) | 38.6 | | | 38.9 | | | 39.0 | | | 38.8 | | | 155.3 | | | 39.0 | | | 39.4 | | | | | | | |
| 保險保單的好處 | (128.2) | | | (128.9) | | | (128.0) | | | (81.0) | | | (466.1) | | | (125.8) | | | (127.4) | | | | | | | |
| 攤銷和非延期佣金 | (26.1) | | | (26.3) | | | (26.1) | | | (27.5) | | | (106.0) | | | (27.5) | | | (27.0) | | | | | | | |
| 補充生命值的利潤 | $ | 63.3 | | | $ | 59.9 | | | $ | 62.8 | | | $ | 108.4 | | | $ | 294.4 | | | $ | 65.4 | | | $ | 65.1 | | | | | | | |
| 保證金/保單收入 | 35 | % | | 34 | % | | 35 | % | | 61 | % | | 41 | % | | 36 | % | | 36 | % | | | | | | |
| 醫療保險補充劑 | | | | | | | | | | | | | | | | | | | |
| 保險單收入 | $ | 156.5 | | | $ | 155.3 | | | $ | 154.2 | | | $ | 153.9 | | | $ | 619.9 | | | $ | 151.7 | | | $ | 155.8 | | | | | | | |
| 淨投資收益 (5) | 1.3 | | | 1.2 | | | 1.1 | | | 1.3 | | | 4.9 | | | 1.4 | | | 1.3 | | | | | | | |
| 保險保單的好處 | (120.5) | | | (113.4) | | | (107.4) | | | (123.4) | | | (464.7) | | | (116.4) | | | (111.5) | | | | | | | |
| 攤銷和非延期佣金 | (11.2) | | | (10.8) | | | (10.7) | | | (10.5) | | | (43.2) | | | (10.2) | | | (10.1) | | | | | | | |
| 醫療保險補助金的利潤 | $ | 26.1 | | | $ | 32.3 | | | $ | 37.2 | | | $ | 21.3 | | | $ | 116.9 | | | $ | 26.5 | | | $ | 35.5 | | | | | | | |
| 保證金/保單收入 | 17 | % | | 21 | % | | 24 | % | | 14 | % | | 19 | % | | 17 | % | | 23 | % | | | | | | |
| 長期護理 | | | | | | | | | | | | | | | | | | | |
| 保險單收入 | $ | 65.9 | | | $ | 65.6 | | | $ | 65.7 | | | $ | 66.3 | | | $ | 263.5 | | | $ | 67.0 | | | $ | 67.7 | | | | | | | |
| 淨投資收益 (5) | 34.1 | | | 34.2 | | | 34.1 | | | 34.1 | | | 136.5 | | | 33.9 | | | 34.4 | | | | | | | |
| 保險保單的好處 | (69.4) | | | (80.4) | | | (73.1) | | | (81.2) | | | (304.1) | | | (66.3) | | | (63.4) | | | | | | | |
| 攤銷和非延期佣金 | (3.5) | | | (3.4) | | | (3.5) | | | (2.5) | | | (12.9) | | | (3.5) | | | (3.4) | | | | | | | |
| 長期護理的利潤 | $ | 27.1 | | | $ | 16.0 | | | $ | 23.2 | | | $ | 16.7 | | | $ | 83.0 | | | $ | 31.1 | | | $ | 35.3 | | | | | | | |
| 保證金/保單收入 | 41 | % | | 24 | % | | 35 | % | | 25 | % | | 31 | % | | 46 | % | | 52 | % | | | | | | |
| 總生命值邊距 | $ | 116.5 | | | $ | 108.2 | | | $ | 123.2 | | | $ | 146.4 | | | $ | 494.3 | | | $ | 123.0 | | | $ | 135.9 | | | | | | | |
| 保證金/保單收入 | 29 | % | | 27 | % | | 31 | % | | 37 | % | | 31 | % | | 31 | % | | 34 | % | | | | | | |
| | | | | | | | | | | | | | | | | | | |
CNO 金融集團有限公司
人壽產品的利潤
（百萬美元）
（未經審計）
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | 年初至 | | 1Q | | 2Q | | | | | | |
| 2023 | | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 | | | | | | |
| 生命邊距 (4): | | | | | | | | | | | | | | | | | | | |
| 對利息敏感的生活 | | | | | | | | | | | | | | | | | | | |
| 保險單收入 | $ | 44.5 | | | $ | 45.3 | | | $ | 45.1 | | | $ | 46.2 | | | $ | 181.1 | | | $ | 46.6 | | | $ | 46.9 | | | | | | | |
| 淨投資收益 (5) (7) | 13.1 | | | 12.7 | | | 12.9 | | | 12.8 | | | 51.5 | | | 13.2 | | | 13.2 | | | | | | | |
| 保險保單的好處 | (18.2) | | | (17.1) | | | (18.1) | | | (12.3) | | | (65.7) | | | (19.9) | | | (18.6) | | | | | | | |
| 貸記利息 (7) | (12.0) | | | (12.0) | | | (11.9) | | | (12.8) | | | (48.7) | | | (12.3) | | | (12.3) | | | | | | | |
| 攤銷和非延期佣金 | (4.6) | | | (4.8) | | | (5.1) | | | (5.0) | | | (19.5) | | | (5.1) | | | (5.3) | | | | | | | |
| 利息敏感型人壽的利潤 | $ | 22.8 | | | $ | 24.1 | | | $ | 22.9 | | | $ | 28.9 | | | $ | 98.7 | | | $ | 22.5 | | | $ | 23.9 | | | | | | | |
| 平均淨保險負債 (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/平均淨保險負債 (12) | 0.43 | % | | 0.27 | % | | 0.38 | % | | — | % | | 0.27 | % | | 0.34 | % | | 0.34 | % | | | | | | |
| 承保利潤 | $ | 21.7 | | | $ | 23.4 | | | $ | 21.9 | | | $ | 28.9 | | | $ | 95.9 | | | $ | 21.6 | | | $ | 23.0 | | | | | | | |
| 承保保證金/保單收入 | 49 | % | | 52 | % | | 49 | % | | 63 | % | | 53 | % | | 46 | % | | 49 | % | | | | | | |
| 傳統生活 | | | | | | | | | | | | | | | | | | | |
| 保險單收入 | $ | 174.5 | | | $ | 177.8 | | | $ | 175.9 | | | $ | 173.2 | | | $ | 701.4 | | | $ | 176.1 | | | $ | 181.7 | | | | | | | |
| 淨投資收益 (5) | 23.2 | | | 23.4 | | | 23.4 | | | 23.3 | | | 93.3 | | | 23.3 | | | 23.5 | | | | | | | |
| 保險保單的好處 | (129.0) | | | (125.7) | | | (122.6) | | | (127.0) | | | (504.3) | | | (124.1) | | | (126.0) | | | | | | | |
| 利息貸記 | (0.1) | | | (0.2) | | | (0.2) | | | (0.1) | | | (0.6) | | | (0.2) | | | (0.1) | | | | | | | |
| 攤銷和非延期佣金 | (15.3) | | | (16.0) | | | (17.0) | | | (18.0) | | | (66.3) | | | (18.4) | | | (19.0) | | | | | | | |
| 廣告費用 | (28.7) | | | (25.5) | | | (22.6) | | | (15.7) | | | (92.5) | | | (24.6) | | | (20.9) | | | | | | | |
| 與傳統生活的差距 | $ | 24.6 | | | $ | 33.8 | | | $ | 36.9 | | | $ | 35.7 | | | $ | 131.0 | | | $ | 32.1 | | | $ | 39.2 | | | | | | | |
| 保證金/保單收入 | 14 | % | | 19 | % | | 21 | % | | 21 | % | | 19 | % | | 18 | % | | 22 | % | | | | | | |
| 利潤率不包括廣告費用/保險單收入 | 31 | % | | 33 | % | | 34 | % | | 30 | % | | 32 | % | | 32 | % | | 33 | % | | | | | | |
| 總壽命餘量 | $ | 47.4 | | | $ | 57.9 | | | $ | 59.8 | | | $ | 64.6 | | | $ | 229.7 | | | $ | 54.6 | | | $ | 63.1 | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
CNO 金融集團有限公司
收取的保費和保單收入
（百萬美元）
（未經審計）
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | 年初至 | | 1Q | | 2Q | | | | | | |
| 2023 | | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 | | | | | | |
| 收取的保費： | | | | | | | | | | | | | | | | | | | |
| 年金產品 | | | | | | | | | | | | | | | | | | | |
| 固定指數年金 | $ | 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 | | | | | | | |
| 年金收取的保費總額 | 370.9 | | | 401.8 | | | 372.2 | | | 438.3 | | | 1,583.2 | | | 393.3 | | | 439.1 | | | | | | | |
| 健康產品 | | | | | | | | | | | | | | | | | | | |
| 補充健康 | 180.0 | | | 175.8 | | | 175.6 | | | 175.2 | | | 706.6 | | | 181.4 | | | 179.8 | | | | | | | |
| 醫療保險補充劑 | 158.4 | | | 148.4 | | | 146.6 | | | 156.0 | | | 609.4 | | | 155.7 | | | 152.4 | | | | | | | |
| 長期護理 | 66.5 | | | 65.1 | | | 63.9 | | | 66.3 | | | 261.8 | | | 67.7 | | | 67.9 | | | | | | | |
| 健康徵收的保費總額 | 404.9 | | | 389.3 | | | 386.1 | | | 397.5 | | | 1,577.8 | | | 404.8 | | | 400.1 | | | | | | | |
| 生活用品 | | | | | | | | | | | | | | | | | | | |
| 對利息敏感的生活 | 58.2 | | | 60.3 | | | 58.3 | | | 60.2 | | | 237.0 | | | 60.5 | | | 61.3 | | | | | | | |
| 傳統生活 | 176.4 | | | 176.3 | | | 175.2 | | | 172.1 | | | 700.0 | | | 176.8 | | | 181.1 | | | | | | | |
| 人壽保費總額 | 234.6 | | | 236.6 | | | 233.5 | | | 232.3 | | | 937.0 | | | 237.3 | | | 242.4 | | | | | | | |
| 收取的保費總額 | $ | 1,010.4 | | | $ | 1,027.7 | | | $ | 991.8 | | | $ | 1,068.1 | | | $ | 4,098.0 | | | $ | 1,035.4 | | | $ | 1,081.6 | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 保單收入： | | | | | | | | | | | | | | | | | | | |
| 年金產品 | | | | | | | | | | | | | | | | | | | |
| 固定指數年金 | $ | 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 | | | | | | | |
| 年金保險保單總收入 | 5.1 | | | 8.1 | | | 7.2 | | | 8.0 | | | 28.4 | | | 7.3 | | | 9.3 | | | | | | | |
| 健康產品 | | | | | | | | | | | | | | | | | | | |
| 補充健康 | 179.0 | | | 176.2 | | | 178.0 | | | 178.1 | | | 711.3 | | | 179.7 | | | 180.1 | | | | | | | |
| 醫療保險補充劑 | 156.5 | | | 155.3 | | | 154.1 | | | 153.9 | | | 619.8 | | | 151.7 | | | 155.8 | | | | | | | |
| 長期護理 | 65.9 | | | 65.6 | | | 65.7 | | | 66.3 | | | 263.5 | | | 67.0 | | | 67.7 | | | | | | | |
| 健康保險保單收入總額 | 401.4 | | | 397.1 | | | 397.8 | | | 398.3 | | | 1,594.6 | | | 398.4 | | | 403.6 | | | | | | | |
| 生活用品 | | | | | | | | | | | | | | | | | | | |
| 對利息敏感的生活 | 44.5 | | | 45.3 | | | 45.1 | | | 46.2 | | | 181.1 | | | 46.6 | | | 46.9 | | | | | | | |
| 傳統生活 | 174.5 | | | 177.8 | | | 175.9 | | | 173.2 | | | 701.4 | | | 176.1 | | | 181.7 | | | | | | | |
| 人壽保險保單總收入 | 219.0 | | | 223.1 | | | 221.0 | | | 219.4 | | | 882.5 | | | 222.7 | | | 228.6 | | | | | | | |
| 保險單收入總額 | $ | 625.5 | | | $ | 628.3 | | | $ | 626.0 | | | $ | 625.7 | | | $ | 2,505.5 | | | $ | 628.4 | | | $ | 641.5 | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
CNO 金融集團有限公司
健康與生命
新的年化保費（“NAP”）
（百萬美元）
（未經審計）
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | 年初至 | | 1Q | | 2Q | | | | | | |
| 2023 | | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 | | | | | | |
| 消費者部 | | | | | | | | | | | | | | | | | | | |
| 健康產品： | | | | | | | | | | | | | | | | | | | |
| 補充健康 | $ | 17.4 | | | $ | 18.7 | | | $ | 19.2 | | | $ | 19.2 | | | $ | 74.5 | | | $ | 18.0 | | | $ | 18.2 | | | | | | | |
| 醫療保險補充劑 | 7.8 | | | 8.9 | | | 8.7 | | | 11.5 | | | 36.9 | | | 9.7 | | | 10.3 | | | | | | | |
| 長期護理 | 6.2 | | | 5.7 | | | 8.9 | | | 11.1 | | | 31.9 | | | 10.6 | | | 10.7 | | | | | | | |
| 消費者總部健康 NAP | 31.4 | | | 33.3 | | | 36.8 | | | 41.8 | | | 143.3 | | | 38.3 | | | 39.2 | | | | | | | |
| 生活用品： | | | | | | | | | | | | | | | | | | | |
| 對利息敏感的生活 | 4.6 | | | 6.3 | | | 4.4 | | | 4.5 | | | 19.8 | | | 4.4 | | | 5.0 | | | | | | | |
| 傳統生活 | 49.7 | | | 46.0 | | | 41.9 | | | 35.5 | | | 173.1 | | | 48.8 | | | 43.2 | | | | | | | |
| 消費者部總壽命 NAP | 54.3 | | | 52.3 | | | 46.3 | | | 40.0 | | | 192.9 | | | 53.2 | | | 48.2 | | | | | | | |
| 消費者部健康與生命總部 NAP | $ | 85.7 | | | $ | 85.6 | | | $ | 83.1 | | | $ | 81.8 | | | $ | 336.2 | | | $ | 91.5 | | | $ | 87.4 | | | | | | | |
| 工作場所部 | | | | | | | | | | | | | | | | | | | |
| 健康產品： | | | | | | | | | | | | | | | | | | | |
| 補充健康 | $ | 8.1 | | | $ | 9.8 | | | $ | 11.5 | | | $ | 10.4 | | | $ | 39.8 | | | $ | 9.5 | | | $ | 11.4 | | | | | | | |
| 生活用品： | | | | | | | | | | | | | | | | | | | |
| 對利息敏感的生活 | 2.8 | | | 3.3 | | | 3.7 | | | 3.9 | | | 13.7 | | | 3.5 | | | 4.1 | | | | | | | |
| 工地總分部健康與生活 NAP | $ | 10.9 | | | $ | 13.1 | | | $ | 15.2 | | | $ | 14.3 | | | $ | 53.5 | | | $ | 13.0 | | | $ | 15.5 | | | | | | | |
| NAP 總數（兩個部門） | | | | | | | | | | | | | | | | | | | |
| 健康產品： | | | | | | | | | | | | | | | | | | | |
| 補充健康 | $ | 25.5 | | | $ | 28.5 | | | $ | 30.7 | | | $ | 29.6 | | | $ | 114.3 | | | $ | 27.5 | | | $ | 29.6 | | | | | | | |
| 醫療保險補充劑 | 7.8 | | | 8.9 | | | 8.7 | | | 11.5 | | | 36.9 | | | 9.7 | | | 10.3 | | | | | | | |
| 長期護理 | 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： | | | | | | | | | | | | | | | | | | | |
| 對利息敏感的生活 | 7.4 | | | 9.6 | | | 8.1 | | | 8.4 | | | 33.5 | | | 7.9 | | | 9.1 | | | | | | | |
| 傳統生活 | 49.7 | | | 46.0 | | | 41.9 | | | 35.5 | | | 173.1 | | | 48.8 | | | 43.2 | | | | | | | |
| 總壽命 NAP | 57.1 | | | 55.6 | | | 50.0 | | | 43.9 | | | 206.6 | | | 56.7 | | | 52.3 | | | | | | | |
| NAP 總數 | $ | 96.6 | | | $ | 98.7 | | | $ | 98.3 | | | $ | 96.1 | | | $ | 389.7 | | | $ | 104.5 | | | $ | 102.9 | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
CNO 金融集團有限公司
計算已發行股票的加權平均值
（千股）
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | 年初至 | | 1Q | | 2Q | | | | | | |
| 2023 (a) | | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 | | | | | | |
| 基本 | | | | | | | | | | | | | | | | | | | |
| 期初已發行股份 | 114,343.1 | | | 114,905.2 | | | 113,673.9 | | | 112,163.2 | | | 114,343.1 | | | 109,357.5 | | | 108,568.6 | | | | | | | |
| 該期間的加權平均股票活動： | | | | | | | | | | | | | | | | | | | |
| 回購的股票 | (255.7) | | | (675.8) | | | (1,006.4) | | | (630.0) | | | (2,201.3) | | | (618.6) | | | (893.0) | | | | | | | |
| 與員工福利計劃相關的金額 | 671.8 | | | 45.9 | | | 23.5 | | | 61.2 | | | 1,571.6 | | | 344.5 | | | 57.0 | | | | | | | |
| 為支付行使價和與員工福利計劃相關的税款而預扣的股份 | (214.3) | | | (1.8) | | | (1.9) | | | (3.8) | | | (438.9) | | | (119.5) | | | (1.9) | | | | | | | |
| 該期間已發行基本股票的加權平均值 | 114,544.9 | | | 114,273.5 | | | 112,689.1 | | | 111,590.6 | | | 113,274.5 | | | 108,963.9 | | | 107,730.7 | | | | | | | |
| 已發行基本股票，期末 | 114,905.2 | | | 113,673.9 | | | 112,163.2 | | | 109,357.5 | | | 109,357.5 | | | 108,568.6 | | | 106,513.6 | | | | | | | |
| 稀釋 | | | | | | | | | | | | | | | | | | | |
| 已發行基本股的加權平均值 | 114,544.9 | | | 114,273.5 | | | 112,689.1 | | | 111,590.6 | | | 113,274.5 | | | 108,963.9 | | | 107,730.7 | | | | | | | |
| 普通股等價股與以下內容有關： | | | | | | | | | | | | | | | | | | | |
| 員工福利計劃 | — | | | 1,376.1 | | | 1,772.8 | | | 2,066.6 | | | 1,849.5 | | | 1,881.0 | | | 1,527.5 | | | | | | | |
| 該期間攤薄後已發行股票的加權平均值 | 114,544.9 | | | 115,649.6 | | | 114,461.9 | | | 113,657.2 | | | 115,124.0 | | | 110,844.9 | | | 109,258.2 | | | | | | | |
| 攤薄後的已發行股份，期末 | 116,176.0 | | | 115,303.3 | | | 113,974.7 | | | 111,750.3 | | | 111,750.3 | | | 110,036.5 | | | 108,140.0 | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
___________
(a) 由於23年第一季度確認的淨虧損，2,182.5股等值普通股未包含在已發行股票的加權平均值中。
CNO 金融集團有限公司
年金-賬户價值展期
（百萬美元）
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | 年初至 | | 1Q | | 2Q | | | | | | |
| 2023 | | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 | | | | | | |
| 固定指數年金 | | | | | | | | | | | | | | | | | | | |
| 餘額，期初不包括合約 100% 割讓 | $ | 9,490.4 | | | $ | 9,584.3 | | | $ | 9,707.7 | | | $ | 9,819.2 | | | $ | 9,490.4 | | | $ | 9,999.2 | | | $ | 10,112.7 | | | | | | | |
| 發行（從新業務中籌集的資金） | 323.3 | | | 351.6 | | | 321.7 | | | 377.1 | | | 1,373.7 | | | 345.4 | | | 388.5 | | | | | | | |
| 收到的保費（從生效業務中收取的保費） | 0.4 | | | (0.2) | | | 0.1 | | | (0.2) | | | 0.1 | | | 0.5 | | | 0.7 | | | | | | | |
| 保單費用 | (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) | | | | | | | |
| 補助金支付 | (59.2) | | | (63.1) | | | (62.7) | | | (58.9) | | | (243.9) | | | (74.4) | | | (77.6) | | | | | | | |
| 利息貸記 | 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 | | | | | | | |
| 餘額，期末不包括合約 100% 割讓 | $ | 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 | | | | | | | | | | | | | | | | | | | |
| 餘額，期初不包括合約 100% 割讓 | $ | 1,663.1 | | | $ | 1,649.3 | | | $ | 1,636.6 | | | $ | 1,632.5 | | | $ | 1,663.1 | | | $ | 1,636.4 | | | $ | 1,610.6 | | | | | | | |
| 發行（從新業務中籌集的資金） | 45.3 | | | 45.8 | | | 48.4 | | | 57.5 | | | 197.0 | | | 45.1 | | | 48.5 | | | | | | | |
| 收到的保費（從生效業務中收取的保費） | 0.7 | | | 0.9 | | | 0.5 | | | 0.6 | | | 2.7 | | | 1.0 | | | 0.5 | | | | | | | |
| 保單費用 | (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) | | | | | | | |
| 補助金支付 | (27.7) | | | (28.2) | | | (24.9) | | | (26.1) | | | (106.9) | | | (30.2) | | | (25.8) | | | | | | | |
| 利息貸記 | 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) | | | | | | | |
| 餘額，期末不包括合約 100% 割讓 | $ | 1,649.3 | | | $ | 1,636.6 | | | $ | 1,632.5 | | | $ | 1,636.4 | | | $ | 1,636.4 | | | $ | 1,610.6 | | | $ | 1,602.6 | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 年金總額 | | | | | | | | | | | | | | | | | | | |
| 餘額，期初不包括合約 100% 割讓 | $ | 11,153.5 | | | $ | 11,233.6 | | | $ | 11,344.3 | | | $ | 11,451.7 | | | $ | 11,153.5 | | | $ | 11,635.6 | | | $ | 11,723.3 | | | | | | | |
| 發行（從新業務中籌集的資金） | 368.6 | | | 397.4 | | | 370.1 | | | 434.6 | | | 1,570.7 | | | 390.5 | | | 437.0 | | | | | | | |
| 收到的保費（從生效業務中收取的保費） | 1.1 | | | 0.7 | | | 0.6 | | | 0.4 | | | 2.8 | | | 1.5 | | | 1.2 | | | | | | | |
| 保單費用 | (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) | | | | | | | |
| 補助金支付 | (86.9) | | | (91.3) | | | (87.6) | | | (85.0) | | | (350.8) | | | (104.6) | | | (103.4) | | | | | | | |
| 利息貸記 | 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 | | | | | | | |
| 餘額，期末不包括合約 100% 割讓 | $ | 11,233.6 | | | $ | 11,344.3 | | | $ | 11,451.7 | | | $ | 11,635.6 | | | $ | 11,635.6 | | | $ | 11,723.3 | | | $ | 11,881.7 | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
CNO 金融集團有限公司
美國保險子公司的合併法定信息 (13)
（百萬美元）
（未經審計）
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 1Q | | 2Q | | 3Q | | 4Q | | 年初至 | | 1Q | | 2Q | | | | | | |
| 2023 | | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 (a) | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 未計利息支出和聯邦所得税的運營淨收益 | $ | 58.3 | | | $ | 55.6 | | | $ | 54.0 | | | $ | 67.4 | | | $ | 235.3 | | | $ | 40.3 | | | $ | 63.3 | | | | | | | |
| 母公司持有的剩餘債券的利息支出 | 15.9 | | | 16.6 | | | 31.6 | | | 17.9 | | | 82.0 | | | 17.6 | | | 17.5 | | | | | | | |
| 聯邦所得税前的運營淨收益 | 42.4 | | | 39.0 | | | 22.4 | | | 49.5 | | | 153.3 | | | 22.7 | | | 45.8 | | | | | | | |
| 聯邦所得税支出（福利） | 3.3 | | | 1.9 | | | (15.0) | | | 31.8 | | | 22.0 | | | 26.7 | | | 17.7 | | | | | | | |
| 淨已實現資本收益（虧損）前的運營淨收益（虧損） | 39.1 | | | 37.1 | | | 37.4 | | | 17.7 | | | 131.3 | | | (4.0) | | | 28.1 | | | | | | | |
| 已實現的淨資本收益（虧損） | (1.3) | | | (20.6) | | | (6.2) | | | 1.8 | | | (26.3) | | | (4.2) | | | 7.4 | | | | | | | |
| 淨收益（虧損） | $ | 37.8 | | | $ | 16.5 | | | $ | 31.2 | | | $ | 19.5 | | | $ | 105.0 | | | $ | (8.2) | | | $ | 35.5 | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 資本和盈餘 | $ | 1,831.3 | | | $ | 1,857.0 | | | $ | 1,932.6 | | | $ | 1,558.9 | | | $ | 1,558.9 | | | $ | 1,487.3 | | | $ | 1,489.5 | | | | | | | |
| 資產估值準備金 (AVR) | 317.8 | | | 316.5 | | | 333.9 | | | 352.5 | | | 352.5 | | | 351.8 | | | 369.8 | | | | | | | |
| 資本、盈餘和 AVR | 2,149.1 | | | 2,173.5 | | | 2,266.5 | | | 1,911.4 | | | 1,911.4 | | | 1,839.1 | | | 1,859.3 | | | | | | | |
| 利息維持準備金（IMR） | 385.6 | | | 381.7 | | | 372.1 | | | 368.1 | | | 368.1 | | | 362.1 | | | 344.0 | | | | | | | |
| 法定資本、盈餘、AVR 和 IMR 總額 | $ | 2,534.7 | | | $ | 2,555.2 | | | $ | 2,638.6 | | | $ | 2,279.5 | | | $ | 2,279.5 | | | $ | 2,201.2 | | | $ | 2,203.3 | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | |
| 基於風險的資本比率 | 380 | % | | 386 | % | | 392 | % | | 402 | % | | 402 | % | | 391 | % | | 394 | % | | | | | | |
| | | | | | | | | | | | | | | | | | | |
___________
(a) 這些金額是初步的，因為我們位於美國的保險子公司將在2024年8月14日左右向相應的保險監管機構提交24年第二季度的法定基礎財務報表。
CNO 金融集團有限公司
未分配給產品線的投資收益 (9)
（百萬美元）
（未經審計）
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
| | 1Q | | 2Q | | 3Q | | 4Q | | 年初至 | | 1Q | | 2Q | | | | | | |
| | 2023 | | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 | | | | | | |
| 淨投資收益 | | $ | 343.0 | | | $ | 399.7 | | | $ | 291.8 | | | $ | 465.2 | | | $ | 1,499.7 | | | $ | 469.2 | | | $ | 409.1 | | | | | | | |
| 分配給產品線： | | | | | | | | | | | | | | | | | | | | |
| 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) | | | | | | | |
| 存入保單持有人賬户餘額的股權回報 | | (18.6) | | | (62.3) | | | 54.6 | | | (105.2) | | | (131.5) | | | (139.7) | | | (38.9) | | | | | | | |
| 分配給產品系列並記入保單持有人賬户餘額的金額 | | (254.3) | | | (300.4) | | | (186.9) | | | (347.7) | | | (1,089.3) | | | (385.0) | | | (291.2) | | | | | | | |
| 與固定指數年金退保相關的年度期權沒收的影響 | | — | | | 1.4 | | | 2.5 | | | 3.2 | | | 7.1 | | | 6.2 | | | 6.0 | | | | | | | |
| 與可變利息實體和其他非經營項目相關的金額 | | (20.9) | | | (19.0) | | | (18.7) | | | (16.2) | | | (74.8) | | | (12.6) | | | (9.6) | | | | | | | |
| 債務利息支出 | | (15.7) | | | (15.6) | | | (15.7) | | | (15.7) | | | (62.7) | | | (15.7) | | | (21.8) | | | | | | | |
| 融資安排的利息支出 | | — | | | — | | | (1.1) | | | (1.3) | | | (2.4) | | | (1.2) | | | (1.2) | | | | | | | |
| 聯邦住房貸款銀行（“FHLB”）計劃投資借款的利息支出 | | (21.7) | | | (24.2) | | | (28.3) | | | (30.5) | | | (104.7) | | | (31.4) | | | (31.4) | | | | | | | |
| 與融資協議支持的票據（“FABN”）計劃相關的費用 (a) | | (7.6) | | | (7.6) | | | (7.6) | | | (7.6) | | | (30.4) | | | (7.6) | | | (10.9) | | | | | | | |
| 減去存入遞延薪酬計劃的金額（抵消投資收益） | | (7.3) | | | (6.3) | | | 2.4 | | | (11.1) | | | (22.3) | | | (9.6) | | | (4.2) | | | | | | | |
| 調整總額 | | (73.2) | | | (71.3) | | | (66.5) | | | (79.2) | | | (290.2) | | | (71.9) | | | (73.1) | | | | | | | |
| 未分配給產品系列的投資收入 | | $ | 15.5 | | | $ | 28.0 | | | $ | 38.4 | | | $ | 38.3 | | | $ | 120.2 | | | $ | 12.3 | | | $ | 44.8 | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
___________
(a) 包括貸記利息和遞延購置費用的攤銷。
CNO 金融集團有限公司
未分配給產品線的投資收益 (9)
（百萬美元）
（未經審計）
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
| | 1Q | | 2Q | | 3Q | | 4Q | | 年初至 | | 1Q | | 2Q | | | | | | |
| | 2023 | | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 | | | | | | |
| 未分配的投資收益： | | | | | | | | | | | | | | | | | | | | |
| 不包括可變組件： | | | | | | | | | | | | | | | | | | | | |
| 來自普通賬户資產 | | $ | 24.9 | | | $ | 26.4 | | | $ | 27.2 | | | $ | 29.8 | | | $ | 108.3 | | | $ | 27.1 | | | $ | 25.0 | | | | | | | |
| 其他投資收益 | | 1.9 | | | 2.0 | | | 2.4 | | | 3.0 | | | 9.3 | | | 3.1 | | | 6.8 | | | | | | | |
| 利差收益： | | | | | | | | | | | | | | | | | | | | |
| fHLB 計劃： | | | | | | | | | | | | | | | | | | | | |
| 匹配資產的投資收益 | | 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 計劃的淨利差收入 | | 10.1 | | | 10.5 | | | 11.1 | | | 11.0 | | | 42.7 | | | 10.3 | | | 11.0 | | | | | | | |
| FABN 計劃： | | | | | | | | | | | | | | | | | | | | |
| 匹配資產的投資收益 | | 13.8 | | | 14.6 | | | 15.8 | | | 14.8 | | | 59.0 | | | 14.9 | | | 19.6 | | | | | | | |
| 開支 (b) | | (7.6) | | | (7.6) | | | (7.6) | | | (7.6) | | | (30.4) | | | (7.6) | | | (10.9) | | | | | | | |
| FABN 計劃的淨利差收入 | | 6.2 | | | 7.0 | | | 8.2 | | | 7.2 | | | 28.6 | | | 7.3 | | | 8.7 | | | | | | | |
| 公司債務的利息支出 | | (15.7) | | | (15.6) | | | (15.7) | | | (15.7) | | | (62.7) | | | (15.7) | | | (21.8) | | | | | | | |
| 融資安排的利息支出 | | — | | | — | | | (1.1) | | | (1.3) | | | (2.4) | | | (1.2) | | | (1.2) | | | | | | | |
| 不包括可變成分的總計 | | 27.4 | | | 30.3 | | | 32.1 | | | 34.0 | | | 123.8 | | | 30.9 | | | 28.5 | | | | | | | |
| 可變組件： | | | | | | | | | | | | | | | | | | | | |
| 企業自有人壽保險（“COLI”）支持代理延期薪酬計劃的淨收入： | | | | | | | | | | | | | | | | | | | | |
| COLI 投資價值的變化 | | 2.2 | | | 2.4 | | | 2.6 | | | 5.8 | | | 13.0 | | | 3.6 | | | 2.9 | | | | | | | |
| 代理人遞延補償計劃的負債增加 | | (1.6) | | | (1.6) | | | (1.7) | | | (1.6) | | | (6.5) | | | (1.6) | | | (1.6) | | | | | | | |
| 淨大腸桿菌收入（虧損） | | 0.6 | | | 0.8 | | | 0.9 | | | 4.2 | | | 6.5 | | | 2.0 | | | 1.3 | | | | | | | |
| 其他可變組件： | | | | | | | | | | | | | | | | | | | | |
| 另類投資收益（虧損）： | | | | | | | | | | | | | | | | | | | | |
| 總計 | | (9.4) | | | 0.2 | | | 6.5 | | | 0.9 | | | (1.8) | | | (24.3) | | | 11.9 | | | | | | | |
| 分配給產品線 | | (7.8) | | | (7.8) | | | (7.5) | | | (7.4) | | | (30.5) | | | (7.1) | | | (6.4) | | | | | | | |
| 分配給 FABN 計劃 | | — | | | — | | | — | | | — | | | — | | | — | | | (0.4) | | | | | | | |
| 超額另類投資收益（虧損） | | (17.2) | | | (7.6) | | | (1.0) | | | (6.5) | | | (32.3) | | | (31.4) | | | 5.1 | | | | | | | |
| 交易賬户 | | 2.6 | | | 1.3 | | | 1.3 | | | 1.3 | | | 6.5 | | | 2.1 | | | 1.0 | | | | | | | |
| 與固定指數產品相關的套期保值差異 | | — | | | (1.0) | | | (0.3) | | | (1.2) | | | (2.5) | | | 0.5 | | | — | | | | | | | |
| 與固定指數年金退保相關的年度期權沒收的影響 | | — | | | 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 | | | | | | | |
| 可變成分總數 | | (11.9) | | | (2.3) | | | 6.3 | | | 4.3 | | | (3.6) | | | (18.6) | | | 16.3 | | | | | | | |
| 未分配給產品線的總投資收益 | | $ | 15.5 | | | $ | 28.0 | | | $ | 38.4 | | | $ | 38.3 | | | $ | 120.2 | | | $ | 12.3 | | | $ | 44.8 | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
___________
(a) 包括預計現金流量、預付款和看漲收入以及其他投資收入變化的影響。
(b) 包括貸記利息和遞延購置費用的攤銷。
CNO 金融集團有限公司
分配給產品線的投資收益 (5)
（百萬美元）
（未經審計）
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
| | 1Q | | 2Q | | 3Q | | 4Q | | 年初至 | | 1Q | | 2Q | | | | | | |
| | 2023 | | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 | | | | | | |
平均淨保險負債 (11) | | | | | | | | | | | | | | | | | | | | |
| 年金： | | | | | | | | | | | | | | | | | | | | |
| 固定指數年金 | | $ | 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 | | | | | | | |
| 年金平均淨保險負債總額 (11) | | 11,284.2 | | | 11,351.6 | | | 11,439.6 | | | 11,557.1 | | | 11,408.1 | | | 11,664.2 | | | 11,753.9 | | | | | | | |
| 健康： | | | | | | | | | | | | | | | | | | | | |
| 補充健康 | | 3,331.0 | | | 3,350.6 | | | 3,365.8 | | | 3,356.9 | | | 3,351.1 | | | 3,346.3 | | | 3,351.1 | | | | | | | |
| 醫療保險補充劑 | | 124.2 | | | 118.7 | | | 107.1 | | | 106.7 | | | 114.2 | | | 114.8 | | | 111.6 | | | | | | | |
| 長期護理 | | 2,659.8 | | | 2,670.5 | | | 2,681.9 | | | 2,692.5 | | | 2,676.1 | | | 2,698.7 | | | 2,696.1 | | | | | | | |
| 健康平均淨保險負債總額 (11) | | 6,115.0 | | | 6,139.8 | | | 6,154.8 | | | 6,156.1 | | | 6,141.4 | | | 6,159.8 | | | 6,158.8 | | | | | | | |
| 生活： | | | | | | | | | | | | | | | | | | | | |
| 對利息敏感 | | 1,032.0 | | | 1,035.4 | | | 1,039.6 | | | 1,045.8 | | | 1,038.2 | | | 1,056.1 | | | 1,063.0 | | | | | | | |
| 傳統 | | 1,973.0 | | | 1,975.3 | | | 1,981.8 | | | 1,989.0 | | | 1,979.8 | | | 1,994.1 | | | 1,997.3 | | | | | | | |
| 人壽平均淨保險負債總額 (11) | | 3,005.0 | | | 3,010.7 | | | 3,021.4 | | | 3,034.8 | | | 3,018.0 | | | 3,050.2 | | | 3,060.3 | | | | | | | |
| 平均淨保險負債總額 (11) | | $ | 20,404.2 | | | $ | 20,502.1 | | | $ | 20,615.8 | | | $ | 20,748.0 | | | $ | 20,567.5 | | | $ | 20,874.2 | | | $ | 20,973.0 | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| 分配投資的平均收益率 | | | | | | | | | | | | | | | | | | | | |
| 年金： | | | | | | | | | | | | | | | | | | | | |
| 固定指數年金 | | 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 | % | | | | | | |
| 分配給年金的投資的平均收益率 | | 4.45 | % | | 4.50 | % | | 4.58 | % | | 4.58 | % | | 4.53 | % | | 4.61 | % | | 4.78 | % | | | | | | |
| 健康： | | | | | | | | | | | | | | | | | | | | |
| 補充健康 | | 4.64 | % | | 4.64 | % | | 4.63 | % | | 4.62 | % | | 4.63 | % | | 4.66 | % | | 4.70 | % | | | | | | |
| 醫療保險補充劑 | | 4.13 | % | | 4.19 | % | | 4.25 | % | | 4.42 | % | | 4.24 | % | | 4.73 | % | | 4.89 | % | | | | | | |
| 長期護理 | | 5.13 | % | | 5.12 | % | | 5.09 | % | | 5.07 | % | | 5.10 | % | | 5.02 | % | | 5.10 | % | | | | | | |
| 分配給健康產品的投資的平均收益率 | | 4.84 | % | | 4.84 | % | | 4.82 | % | | 4.82 | % | | 4.83 | % | | 4.82 | % | | 4.88 | % | | | | | | |
| 生活： | | | | | | | | | | | | | | | | | | | | |
| 對利息敏感 | | 5.08 | % | | 4.91 | % | | 4.96 | % | | 4.90 | % | | 4.96 | % | | 5.00 | % | | 4.97 | % | | | | | | |
| 傳統 | | 4.70 | % | | 4.74 | % | | 4.72 | % | | 4.69 | % | | 4.71 | % | | 4.67 | % | | 4.71 | % | | | | | | |
| 分配給人壽產品的投資的平均收益率 | | 4.83 | % | | 4.80 | % | | 4.81 | % | | 4.76 | % | | 4.80 | % | | 4.79 | % | | 4.80 | % | | | | | | |
| 總平均收益率 | | 4.62 | % | | 4.65 | % | | 4.69 | % | | 4.68 | % | | 4.66 | % | | 4.70 | % | | 4.81 | % | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
| | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | | |
| 分配的投資收益 | | | | | | | | | | | | | | | | | | | | |
| 年金： | | | | | | | | | | | | | | | | | | | | |
| 固定指數年金 | | $ | 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 | | | | | | | |
| 分配給年金的總投資收益 | | 125.4 | | | 127.7 | | | 131.0 | | | 132.2 | | | 516.3 | | | 134.5 | | | 140.5 | | | | | | | |
| 健康： | | | | | | | | | | | | | | | | | | | | |
| 補充健康 | | 38.6 | | | 38.9 | | | 39.0 | | | 38.8 | | | 155.3 | | | 39.0 | | | 39.4 | | | | | | | |
| 醫療保險補充劑 | | 1.3 | | | 1.2 | | | 1.1 | | | 1.3 | | | 4.9 | | | 1.4 | | | 1.3 | | | | | | | |
| 長期護理 | | 34.1 | | | 34.2 | | | 34.1 | | | 34.1 | | | 136.5 | | | 33.9 | | | 34.4 | | | | | | | |
| 分配給健康產品的總投資收益 | | 74.0 | | | 74.3 | | | 74.2 | | | 74.2 | | | 296.7 | | | 74.3 | | | 75.1 | | | | | | | |
| 生活： | | | | | | | | | | | | | | | | | | | | |
| 對利息敏感 | | 13.1 | | | 12.7 | | | 12.9 | | | 12.8 | | | 51.5 | | | 13.2 | | | 13.2 | | | | | | | |
| 傳統 | | 23.2 | | | 23.4 | | | 23.4 | | | 23.3 | | | 93.3 | | | 23.3 | | | 23.5 | | | | | | | |
| 分配給人壽產品的總投資收益 | | 36.3 | | | 36.1 | | | 36.3 | | | 36.1 | | | 144.8 | | | 36.5 | | | 36.7 | | | | | | | |
| 分配的投資收益總額 | | $ | 235.7 | | | $ | 238.1 | | | $ | 241.5 | | | $ | 242.5 | | | $ | 957.8 | | | $ | 245.3 | | | $ | 252.3 | | | | | | | |
| | | | | | | | | | | | | | | | | | | | |
CNO 金融集團有限公司
未分配給產品線的投資收益 (9)
（百萬美元）
（未經審計）
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| | | | | | | | | | | | | | | | | | | | |
| | 1Q | | 2Q | | 3Q | | 4Q | | 年初至 | | 1Q | | 2Q | | | | | | |
| | 2023 | | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 | | | | | | |
| 普通賬户資產投資收益 | | $ | 292.2 | | | $ | 308.1 | | | $ | 324.8 | | | $ | 325.1 | | | $ | 1,250.2 | | | $ | 301.9 | | | $ | 351.7 | | | | | | | |
| 保單持有人和其他特殊用途的投資組合投資收益（虧損） | | 50.8 | | | 91.6 | | | (33.0) | | | 140.1 | | | 249.5 | | | 167.3 | | | 57.4 | | | | | | | |
| 減去存入保單持有人的股票回報： | | | | | | | | | | | | | | | | | | | | |
| 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) | | | | | | | |
| 減去與可變利息實體相關的金額 | | (20.9) | | | (19.0) | | | (18.7) | | | (16.2) | | | (74.8) | | | (12.6) | | | (9.6) | | | | | | | |
| 減去存入遞延薪酬計劃的金額 | | (7.3) | | | (6.3) | | | 2.4 | | | (11.1) | | | (22.3) | | | (9.6) | | | (4.2) | | | | | | | |
| 其他特殊用途證券投資收益（虧損） | | 4.0 | | | 4.0 | | | 5.3 | | | 7.6 | | | 20.9 | | | 5.4 | | | 4.7 | | | | | | | |
| 調整後的淨投資收益 | | 296.2 | | | 312.1 | | | 330.1 | | | 332.7 | | | 1,271.1 | | | 307.3 | | | 356.4 | | | | | | | |
| 減少分配給產品線的金額 | | | | | | | | | | | | | | | | | | | | |
| 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) | | | | | | | |
| 分配給產品線的總投資收入 | | (235.7) | | | (238.1) | | | (241.5) | | | (242.5) | | | (957.8) | | | (245.3) | | | (252.3) | | | | | | | |
| 與固定指數年金退保相關的年度期權沒收的影響 | | — | | | 1.4 | | | 2.5 | | | 3.2 | | | 7.1 | | | 6.2 | | | 6.0 | | | | | | | |
| 減少從fHLB計劃中借款的投資的利息支出 | | (21.7) | | | (24.2) | | | (28.3) | | | (30.5) | | | (104.7) | | | (31.4) | | | (31.4) | | | | | | | |
| 減少與 FABN 計劃相關的費用 | | (7.6) | | | (7.6) | | | (7.6) | | | (7.6) | | | (30.4) | | | (7.6) | | | (10.9) | | | | | | | |
| 減少債務利息支出 | | (15.7) | | | (15.6) | | | (15.7) | | | (15.7) | | | (62.7) | | | (15.7) | | | (21.8) | | | | | | | |
| 減去融資安排的利息支出 | | — | | | — | | | (1.1) | | | (1.3) | | | (2.4) | | | (1.2) | | | (1.2) | | | | | | | |
| 未分配給產品系列的投資收入 | | $ | 15.5 | | | $ | 28.0 | | | $ | 38.4 | | | $ | 38.3 | | | $ | 120.2 | | | $ | 12.3 | | | $ | 44.8 | | | | | | | |
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其他投資數據
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| | | | | | | | | | | | | | | | |
| | 1Q | | 2Q | | 3Q | | 4Q | | 1Q | | 2Q | | | | |
| | 2023 | | 2023 | | 2023 | | 2023 | | 2024 | | 2024 | | | | |
| 投資資產和現金的平均賬面價值 | | $ | 26,801.8 | | | $ | 26,900.3 | | | $ | 27,287.6 | | | $ | 27,648.7 | | | $ | 27,897.0 | | | $ | 28,577.4 | | | | | |
| 來自普通賬户投資的淨投資收益 | | 292.2 | | | 308.1 | | | 324.8 | | | 325.1 | | | 301.9 | | | 351.7 | | | | | |
| 新貨幣利率 (14) | | 6.34 | % | | 6.32 | % | | 6.03 | % | | 6.92 | % | | 6.17 | % | | 6.41 | % | | | | |
| 賬面收益率 (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 | % | | | | |
| 另類投資收益（虧損） | | (9.4) | | | 0.2 | | | 6.5 | | | 0.9 | | | (24.3) | | | 11.9 | | | | | |
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CNO 金融集團有限公司
23 年第 4 季度重要項目
（以百萬美元計，每股金額除外）
（未經審計）
下表彙總了重要項目對我們 23 年第四季度淨營業收入的財務影響。管理層認為，確定這些項目的影響可以增強對我們經營業績的理解。
| | | | | | | | | | | | | | | | | | | | |
| | 三個月結束了 |
| | 2023 年 12 月 31 日 |
| | 實際結果 | | 重要物品 | | 不包括重大
項目 |
| 保險產品利潤 (4) | | | | | | |
| 年金利潤率 | | $ | 63.6 | | | $ | (12.9) | | (a) | $ | 50.7 | |
| 健康邊距 | | 146.4 | | | (22.3) | | (a) | 124.1 | |
| 壽命邊距 | | 64.6 | | | 1.3 | | (a) | 65.9 | |
| 保險產品利潤總額 | | 274.6 | | | (33.9) | | | 240.7 | |
| 分配的費用 | | (138.8) | | | — | | | (138.8) | |
| 保險產品收入 (5) | | 135.8 | | | (33.9) | | | 101.9 | |
| 費用收入 | | 17.8 | | | — | | | 17.8 | |
| 未分配給產品線的投資收益 (9) | | 38.3 | | | — | | | 38.3 | |
| 未分配給產品系列的費用 | | (19.8) | | | — | | | (19.8) | |
| 税前營業收益 | | 172.1 | | | (33.9) | | | 138.2 | |
| 營業收入的所得税（支出）補助 | | (38.2) | | | 7.5 | | | (30.7) | |
| 淨營業收入 (10) | | $ | 133.9 | | | $ | (26.4) | | | $ | 107.5 | |
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| 攤薄後每股淨營業收入 | | $ | 1.18 | | | $ | (0.23) | | | $ | 0.95 | |
___________
(a) 包括我們的年度綜合精算假設和模型審查產生的淨有利影響3 390萬美元。
CNO 金融集團有限公司
23 年第 3 季度重要項目
（以百萬美元計，每股金額除外）
（未經審計）
下表彙總了重要項目對我們 23 年第三季度淨營業收入的財務影響。管理層認為，確定這些項目的影響可以增強對我們經營業績的理解。
| | | | | | | | | | | | | | | | | | | | |
| | 三個月結束了 |
| | 2023年9月30日 |
| | 實際結果 | | 重要物品 | | 不包括重大
項目 |
| 保險產品利潤 (4) | | | | | | |
| 年金利潤率 | | $ | 57.0 | | | $ | — | | | $ | 57.0 | |
| 健康邊距 | | 123.2 | | | — | | | 123.2 | |
| 壽命邊距 | | 59.8 | | | — | | | 59.8 | |
| 保險產品利潤總額 | | 240.0 | | | — | | | 240.0 | |
| 分配的費用 | | (153.2) | | | — | | | (153.2) | |
| 保險產品收入 (5) | | 86.8 | | | — | | | 86.8 | |
| 費用收入 | | (2.9) | | | — | | | (2.9) | |
| 未分配給產品線的投資收益 (9) | | 38.4 | | | — | | | 38.4 | |
| 未分配給產品系列的費用 | | 7.5 | | | (21.7) | | (a) | (14.2) | |
| 税前營業收益 | | 129.8 | | | (21.7) | | | 108.1 | |
| 營業收入的所得税（支出）補助 | | (28.5) | | | 4.8 | | | (23.7) | |
| 淨營業收入 (10) | | $ | 101.3 | | | $ | (16.9) | | | $ | 84.4 | |
| | | | | | |
| 攤薄後每股淨營業收入 | | $ | 0.88 | | | $ | (0.14) | | | $ | 0.74 | |
___________
(a) 包括扣除費用和增加的法定應計款項後的2 170萬美元的合法追回款。
CNO 金融集團有限公司
22 年第 4 季度重要項目
（以百萬美元計，每股金額除外）
（未經審計）
下表彙總了重要項目對我們 22 年第四季度淨營業收入的財務影響。管理層認為，確定這些項目的影響可以增強對我們經營業績的理解。
| | | | | | | | | | | | | | | | | | | | |
| | 三個月結束了 |
| | 2022年12月31日 |
| | 實際結果 | | 重要物品 | | 不包括重大
項目 |
| 保險產品利潤 (4) | | | | | | |
| 年金利潤率 | | $ | 50.8 | | | $ | 3.2 | | (a) | $ | 54.0 | |
| 健康邊距 | | 140.4 | | | (18.3) | | (a) | 122.1 | |
| 壽命邊距 | | 43.3 | | | 14.4 | | (a) | 57.7 | |
| 保險產品利潤總額 | | 234.5 | | | (0.7) | | | 233.8 | |
| 分配的費用 | | (149.1) | | | — | | | (149.1) | |
| 保險產品收入 (5) | | 85.4 | | | (0.7) | | | 84.7 | |
| 費用收入 | | 9.2 | | | — | | | 9.2 | |
| 未分配給產品線的投資收益 (9) | | 25.2 | | | — | | | 25.2 | |
| 未分配給產品系列的費用 | | (12.8) | | | — | | | (12.8) | |
| 税前營業收益 | | 107.0 | | | (0.7) | | | 106.3 | |
| 營業收入的所得税（支出）補助 | | (24.1) | | | 0.2 | | | (23.9) | |
| 淨營業收入 (10) | | $ | 82.9 | | | $ | (0.5) | | | $ | 82.4 | |
| | | | | | |
| 攤薄後每股淨營業收入 | | $ | 0.71 | | | $ | — | | | $ | 0.71 | |
___________
(a) 由我們的年度綜合精算假設和模型審查產生的700萬美元淨有利影響組成。
CNO 金融集團有限公司
22 年第二季度重要項目
（以百萬美元計，每股金額除外）
（未經審計）
下表彙總了重要項目對我們 22 年第二季度淨營業收入的財務影響。管理層認為，確定這些項目的影響可以增強對我們經營業績的理解。
| | | | | | | | | | | | | | | | | | | | |
| | 三個月結束了 |
| | 2022年6月30日 |
| | 實際結果 | | 重要物品 | | 不包括重大
項目 |
| 保險產品利潤 (4) | | | | | | |
| 年金利潤率 | | $ | 60.1 | | | $ | — | | | $ | 60.1 | |
| 健康邊距 | | 125.4 | | | — | | | 125.4 | |
| 壽命邊距 | | 70.2 | | | — | | | 70.2 | |
| 保險產品利潤總額 | | 255.7 | | | — | | | 255.7 | |
| 分配的費用 | | (152.2) | | | — | | | (152.2) | |
| 保險產品收入 (5) | | 103.5 | | | — | | | 103.5 | |
| 費用收入 | | 3.2 | | | — | | | 3.2 | |
| 未分配給產品線的投資收益 (9) | | 64.6 | | | — | | | 64.6 | |
| 未分配給產品系列的費用 | | 2.9 | | | (22.5) | | (a) | (19.6) | |
| 税前營業收益 | | 174.2 | | | (22.5) | | | 151.7 | |
| 營業收入的所得税（支出）補助 | | (39.1) | | | 5.1 | | | (34.0) | |
| 淨營業收入 (10) | | $ | 135.1 | | | $ | (17.4) | | | $ | 117.7 | |
| | | | | | |
| 攤薄後每股淨營業收入 | | $ | 1.15 | | | $ | (0.15) | | | $ | 1.00 | |
___________
(a) 包括與再保險協議相關的2 250萬美元經驗退款。
注意事項
(1) 不包括累計的其他綜合收益（虧損）。管理層認為，這種非公認會計準則指標很有用，因為它消除了因投資未實現升值（折舊）變化而產生的波動性。
(2) 股東權益除以已發行普通股。
(3) 攤薄後每股賬面價值反映了行使未發行股票期權並將限制性股票和績效單位歸屬時可能發生的稀釋情況。期權、限制性股票和績效單位的稀釋使用庫存股法計算。根據這種方法，我們假設行使期權的收益（或與限制性股票和績效單位相關的未確認的薪酬支出）將用於以期限最後一天的收盤價購買我們的普通股。
(4) 保險利潤率是管理層衡量其年金、健康和人壽產品系列業績盈利能力的指標，包括保單收入加上分配的投資收益減去保單福利、貸記利息、佣金、廣告費用和收購成本攤銷。保險產品的收入是年金、健康和人壽產品系列的保險利潤減去分配給保險產品系列的支出之和。它不包括我們的費用收入業務的收入、未分配給產品線的投資收益、未分配給產品系列的淨支出（主要是持有公司支出）和所得税。管理層認為，這些信息有助於更好地瞭解業務，並對我們的保險產品線的結果進行更有意義的分析。保險產品收入是一項非公認會計準則指標，是淨營業收入的組成部分，在本季度財務補充文件第5頁中，淨營業收入與淨收入進行了對賬。
(5) 使用支持該業務區塊的投資的賬面收益率將投資收益分配給產品系列，該收益適用於該區塊在每個時期的平均淨保險負債。淨保險負債的定義見附註 (11)。
(6) 不包括支持固定指數年金產品的標的期權的市值變化以及記入保單持有人賬户餘額的相應金額。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，這些金額分別為1,650萬美元、5,610萬美元、（4,980萬美元）、9,550萬美元、1.286億美元和3,490萬美元。
(7) 不包括支持固定指數人壽產品的標的期權的市值變化以及記入保單持有人賬户餘額的相應金額。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，這些金額分別為210萬美元、620萬美元、（480萬美元）、970萬美元、1,110萬美元和400萬美元。
(8) 保險產品的收入是年金、健康和人壽產品系列的保險利潤減去分配給保險項目的支出之和。它不包括我們的費用收入業務的收入、未分配給產品線的投資收益、未分配給產品系列的淨支出（主要是持有公司支出）和所得税。管理層認為，這些信息有助於更好地瞭解業務，並對我們的保險產品線的結果進行更有意義的分析。保險產品收入是一項非公認會計準則指標，是淨營業收入的組成部分，在本季度財務補充文件第5頁中，淨營業收入與淨收入進行了對賬。
(9) 未分配給產品系列的投資收益表示淨投資收益減去：（i）記入保單持有人賬户餘額的股票回報；（ii）分配給我們產品系列的投資收益；（iii）應付票據、投資借款和融資安排的利息支出；（iv）與FABN計劃相關的支出；（v）與福利計劃相關的某些費用，但被特殊用途投資收益所抵消；以及（vi）年度期權的影響與固定指數年金退保有關的沒收。未分配給產品系列的投資收益包括超過產品系列分配金額的投資收益、我們的控股公司持有的投資、我們從聯邦住房貸款銀行投資借款和FABN計劃中獲得的利差以及投資收益的可變組成部分（包括看漲和預付收入）、現金流變化對結構性證券回報率的調整、公司自有人壽保險（“COLI”）的收入（虧損）和未分配給產品系列的另類投資收入)，扣除公司債務和融資安排的利息支出。
(10) 管理層認為，對扣除税款後淨收益的分析適用於普通股：（i）扣除税款後的銷售、減值和信貸損失備抵變動的淨已實現投資收益或虧損；（ii）扣除税款後已確認收益的投資市值的淨變化；（iii）與固定指數年金相關的嵌入式衍生負債的公允價值變動；（iv）公允價值變動與代理人遞延補償計劃有關，扣除税款；（v）與再保險相關的損失扣除税款的交易；（vi）扣除税款的債務清償損失；（vii）遞延所得税資產和其他税收項目的估值補貼的變動；以及（viii）其他非經營項目，主要由可變利息實體扣除税收後的收益（“淨營業收入”，非公認會計準則財務指標）對評估公司的財務業績非常重要，也是人壽保險行業常用的關鍵指標。管理層使用這種衡量標準來評估業績，因為不包括在淨營業收入中的項目可能會受到與公司基本面無關的事件的影響。
(11) 用於向產品系列分配投資收益的淨保險負債等於：（i）年金產品的保單持有人賬户餘額；（ii）所有其他產品的累計其他綜合收益（虧損）（如果適用）中反映的公允價值調整前的準備金總額；減去（iii）與再保險業務相關的金額；（iv）遞延收購成本；（v）未來利潤的現值；以及（vi）價值記入保險負債的未到期期權的百分比。
(12) 季度利潤率/平均淨保險負債的計算方法是按年計算季度利潤率除以平均淨保險負債。
(13) 根據監管機構為CNO Financial的美國保險子公司規定或允許的法定會計慣例，在適當取消此類子公司的公司間賬户後。這種會計慣例不同於GAAP。
(14) 新的貨幣利率適用於在此期間為支持我們的保險產品和資本而購買的投資。它不包括根據我們的聯邦住房貸款銀行和FABN計劃通過投資借款購買的投資以及可變利息實體購買的投資的新貨幣利率。
注意事項（續）
（15）固定期限投資的賬面收益率，不包括在：（i）聯邦住房貸款銀行和FABN計劃中持有的投資；以及（ii）可變利息實體持有的投資。
（16）所得收益率是該期間賺取的投資收益除以投資組合的平均賬面價值，不包括：（i）在聯邦住房貸款銀行和FABN計劃中持有的投資；以及（ii）可變利息實體持有的投資。
