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Annual Report2017 ANNUAL REPORT 2017 PRINCIPAL EXECUTIVE OFFICE STOCK EXCHANGE LISTINGS DIVIDEND REINVESTMENT 3700 South Stonebridge Drive New York Stock Exchange Torchmark maintains a dividend reinvestment McKinney, Texas 75070 Symbol: TMK plan for all holders of its common stock. (972) 569-4000 Under the plan, shareholders may reinvest INDENTURE TRUSTEE FOR all or part of their dividends in additional 1 7 ANNUAL MEETING 9 /4%, 7/8%, AND 3.8% SENIOR NOTES shares of common stock and may also 1 11 OF SHAREHOLDERS AND 6 /8% AND 5 /40% JUNIOR make periodic additional cash payments 10:00 a.m. CDT, Thursday, April 26, 2018 SUBORDINATED DEBENTURES of up to $3,000 toward the purchase of Corporate Headquarters Regions Bank Torchmark stock. Participation is voluntary. 3700 South Stonebridge Drive Corporate Trust Services More information on the plan may be McKinney, Texas 75070 3773 Richmond Ave., Suite 1100 obtained from the Stock Transfer Agent by Houston, TX 77046-3703 calling toll-free (866) 557-8699 or by writing: The proceedings will be webcast live and in PHONE: (713) 244-8043 Torchmark Corporation, c/o EQ Shareowner replay on the Investors page of the Torchmark WEB: https://www.regions.com/ Services, P.O. Box 64874, St. Paul, MN 55164- Corporation website. The Company’s Annual commercial_banking/corp_trust.rf 0874 or 1110 Centre Pointe Curve, Suite 1 Meeting will be conducted in accordance The 6/8% debentures trade through 101, Mendota Heights, MN 55120-4100. with its Shareholder Rights Policy. A copy Depository Trust Company under global of this policy can be obtained on the certificates listed on the New York Stock AUTOMATIC DEPOSIT Company’s website, or by contacting the Exchange (NYSE Symbol TMKPRC). The OF DIVIDENDS 11 Corporate Secretary at the Torchmark 5 /40% debentures trade through Depository Automatic deposit of dividends is available Corporation headquarters address. Trust Company under global certificates to shareholders who wish to have their listed on the Singapore Stock Exchange. dividends directly deposited into the financial INVESTOR RELATIONS institution of their choice. Authorization forms Contact: Mike Majors STOCK TRANSFER AGENT AND SHAREHOLDER may be obtained from the Stock Transfer Phone: (972) 569-3239 ASSISTANCE Agent by calling toll-free (866) 557-8699. Fax: (972) 569-3282 EQ Shareowner Services Email: [email protected] P.O. Box 64854 St. Paul, MN 55164-0854 INDEPENDENT REGISTERED PUBLIC or ACCOUNTANTS 1110 Centre Pointe Curve, Suite 101 Deloitte & Touche LLP Mendota Heights, MN 55120-4100 2200 Ross Avenue Toll-Free Number: (866) 557-8699 Suite 1600 TDD: Hearing impaired can use Dallas, Texas 75201 a relay service Outside the U.S.: (651) 450-4064 Website: www.shareowneronline.com TORCHMARK CORPORATION WEBSITE On the www.torchmarkcorp.com home Financial Information • Code of Business Conduct and Ethics page are links to the web pages of: Environmental, Social and • Corporate By-laws Company Governance Report • Code of Ethics for CEO and Senior Brands Financial Officers Investor Contact Information Careers • Corporate Governance Guidelines Community Calls and Meetings • Related Party Transaction Policy Investors • Management Presentations • Employee Complaint Procedures Contact • Conference Calls on the Web Board of Directors • Conference Call Replays and Transcripts The Investors page contains a menu with • Members of the Board • Annual Meeting of Shareholders links to many topics of interest to investors • Committees and other interested third parties: Stock Information - Audit Committee • Stock Transfer Agent and Shareholder - Compensation Committee Annual Reports, 10-K and Proxy Statements Assistance - Governance and Nominating Committee Calendar • Dividend Reinvestment • Executive Sessions News Releases • Automatic Deposit of Dividends • Director Qualification Standards SEC Filings • Director Independence Criteria Corporate Governance XBRL • Director Resignation Policy Financial Reports and Other • Shareholders’ Rights Policy | TORCHMARK CORPORATION | 1 2017 IN FOCUS $ in thousands $3,282,935 Total Premium From Continuing Operations FINANCIAL HIGHLIGHTS $ in thousands, except per share amounts 2017 2016 % CHANGE OPERATIONS Total Premium From Continuing $3,282,935 $3,137,034 4.7 Operations Net Operating Income From Continuing $573,681 573,681 549,360 4.4 Operations 1 Net Operating Income From Net Income 1,454,494+ 549,779 + Continuing Operations Annualized Life Premium In Force 2,373,099 2,262,736 4.9 Annualized Health Premium In Force 1,018,020 998,6341.9 Diluted Average Shares Outstanding 118,983 122,368 2.8 Net Operating Income From All Operations as a Return on Average Equity 14.3% 14.6% (excluding net unrealized gains on fixed $2,373,099 maturities1) Annualized Life PER COMMON SHARE ON A DILUTED BASIS Premium In Force Net Operating Income From Continuing $4.82 $4.49 7.3 Operations 1 Shareholders’ Equity (excluding net + 32.13 23.8 unrealized gains on fixed maturities1) 39.77 1The following financial measures utilized by management and contained in the following Letter to Shareholders are considered non-GAAP: net operating income; net operating income as a return on average equity, excluding net unrealized gains on fixed maturities; book value (shareholders’ equity) per share, excluding net unrealized gains or losses on fixed maturities; underwriting income or margin (consolidated). Torchmark includes non-GAAP measures to enhance investors’ $1,018,020 understanding of management’s view of the business. The non-GAAP measures are not a Annualized Health substitute for GAAP, but rather a supplement to increase transparency by providing broader perspective. Torchmark’s definitions of non-GAAP measures may differ from other companies’ Premium In Force definitions. Reconciliations to GAAP financial data are presented on pages 14-15. +As a result of the tax reform legislation enacted in 2017, the Company made a one-time adjustment of $874 million to net income. Excluding the tax reform adjustment, net income and shareholders’ equity, excluding net unrealized gains on fixed maturities, would have been $581 million and $34.68, respectively. 2 | TORCHMARK CORPORATION | “ We believe Torchmark has a very bright future. Many times we hear that life insurance is a mature market with limited growth potential. For Torchmark, this is simply not true. We are uniquely positioned to thrive and build shareholder value well into the future.” LETTER TO SHAREHOLDERS* Torchmark had another good year in 2017. Return on equity, excluding net unrealized gains on fixed maturities, was 14.3% and total premiums grew 5%. Agency sales grew 8%, driven by increases in both agent count and productivity. We have had sales growth in each of our exclusive agencies now for four years in a row. While Direct Response sales have declined, this was by design due to actions taken to maximize profit dollars. We are encouraged with recent results as we have seen the margins stabilize. We expect to begin to see Direct Response sales growth again in 2019. Many investors ask us how Torchmark differs from other life insurance companies. The answer can be found in our business model, a model that has consistently facilitated significant growth regardless of general economic conditions. The components of this model are discussed below: MARKET CONTROLLED DISTRIBUTION CASH FLOWS We market our products primarily through Torchmark’s highly persistent block of in force the middle-income market – a vastly exclusive agency and direct response business produces strong excess cash flows underserved marketplace with significant channels. This enhances our ability to limit year in and year out. The persistency of our growth potential and relatively little competitive pressures and control costs. in force block has always been very stable, competition. regardless of macro-economic conditions. Nearly 90% of our premium revenue comes from policies sold in prior years. PRODUCTS MARGINS RETURN OF EXCESS CAPITAL TO We focus on basic life and supplemental Torchmark has a long history of SHAREHOLDERS health products that best meet the needs of administrative efficiency. Our ability to Due to the significant amount of excess our marketplace. These products are simple control both acquisition and administrative cash flow produced each year, Torchmark for agents and customers to understand costs helps produce healthy underwriting has returned approximately 71% of its net and are not impacted by interest rate or margins. As such, we don’t have to rely income to shareholders through share equity market fluctuations. on investment income to generate repurchases and dividends since 1986 operating income. (absent the positive impact that tax reform had on 2017 net income, this ratio would be 76%). We remain committed to returning *Throughout this letter net operating income represents net operating income from excess capital to shareholders. continuing operations. LETTER TO SHAREHOLDERS | TORCHMARK CORPORATION | 3 We will continue to follow this business model. That being said, we must continually refine that model through innovation and the use NET INCOME PER SHARE of technology in response to the changing needs and expectations Compound Annual Growth Rate: of our agents and customers. It is imperative that we work with 10 Year: 18.2%, 5 Year: 27.7% customers and agents in a manner that best meets their needs and preferences. $12.22* In order to ensure that we maximize our ability to be nimble and adapt to a rapidly changing environment, we continue to make significant investments
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