DOCSLIB.ORG

2012 Annual Report and Form 10-K

Total Page：16

File Type：pdf, Size：1020Kb

Download full-text PDF Read full-text
2012 Annual Report and Form 10-K 3700 S. Stonebridge Drive McKinney, Texas 75070 www.torchmarkcorp.com 2012 ANNUAL REPORT PRINCIPAL EXECUTIVE OFFICE STOCK TR ANsfeR AGENT AND TORCHMARK 3700 South Stonebridge Drive SHAREHOLDER AssIstANCE CORPOR ATION McKinney, Texas 75070 Wells Fargo Shareowner Services WEBSIte (972) 569-4000 P.O. Box 64854 St. Paul, MN 55164-0854 On the home page at or www.torchmarkcorp.com ANNUAL MeetING 1110 Centre Pointe Curve, Suite 101 are links to the web pages of: OF SHAREHOLDERS Mendota Heights, MN 55120-4100 10:00 a.m. CDT, Thursday, April 25, 2013 Toll-Free Number: (866) 557-8699 • Torchmark’s Principal Corporate Headquarters TDD: Hearing impaired can use Subsidiaries 3700 South Stonebridge Drive a relay service • Torchmark’s Annual McKinney, Texas 75070 Outside the U.S.: (651) 450-4064 Reports/10-K and Proxy Website: www.shareowneronline.com • Employment The proceedings will be webcast live • Benevolence and in replay on the Investor Relations • Investor Relations page of the Torchmark Corporation DIVIDEND ReINvestMENT Torchmark maintains a dividend website. The Company’s Annual Meeting The Investor Relations page reinvestment plan for all holders of will be conducted in accordance with its contains a menu with links to its common stock. Under the plan, Shareholder Rights Policy. A copy of this many topics of interest to investors shareholders may reinvest all or part of policy can be obtained on the Company’s and other interested third parties: their dividends in additional shares of website, or by contacting the Corporate • Annual Reports, 10-K common stock and may also make periodic Secretary at the Torchmark Corporation and Proxy Statements additional cash payments of up to $3,000 headquarters address. • News Releases toward the purchase of Torchmark stock. • Stock Quotes Participation is voluntary. More information INvestOR RelATIONS • SEC Filings on the plan may be obtained from the • XBRL Contact: Mike Majors Stock Transfer Agent by calling toll-free • Financial Reports and Other Phone: (972) 569-3627 (866) 557-8699 or by writing: Torchmark Financial Information Fax: (972) 569-3282 Corporation, c/o Wells Fargo Shareowner • Officers E-Mail: [email protected] Services, P.O. Box 64874, St. Paul, • Torchmark Calendar Individual Stock Ownership Information: MN 55164-0874 or 1110 Centre Pointe • Management Presentations (205) 325-4270 Curve, Suite 101, Mendota Heights, MN • Conference Calls on the Web, 55120-4100. Replays, and Transcripts INDEPENDENT REGIsteRED • Corporate Governance PUBLIC ACCOUNTANts AutOMATIC DePOSIT including: - Corporate By-Laws Deloitte & Touche LLP OF DIVIDENDS 2200 Ross Avenue - Shareholder Rights Policy Automatic deposit of dividends is available - Code of Business Suite 1600 to shareholders who wish to have Dallas, Texas 75201 Conduct and Ethics their dividends directly deposited into - Code of Ethics for CEO and the financial institution of their choice. Senior Financial Officers STOCK EXCHANGE LIstINGS Authorization forms may be obtained from - Corporate Governance New York Stock Exchange the Stock Transfer Agent by calling toll-free Guidelines Symbol: TMK (866) 557-8699. - Employee Complaint The London Stock Exchange, Procedure London, England - Members of the Board - Board Committees - Audit Committee Charter INDENTURE TRUSTEE FOR - Compensation 1 7 3 3 9 /4%, 7 /8%, 7 /8%, 6 /8%, AND Committee Charter 4 3 /5% seNIOR NOTES AND - Governance & Nominating 7 5 /8% JUNIOR suBORDINAteD Committee Charter DEBENtuRes - How to Contact the The Bank of New York Mellon Board of Directors Trust Company, N.A. - Director Independence 601 Travis Street Criteria, Qualification Houston, TX 77002 Standards and Resignation Policy Attention: Corporate Trust Administration • Annual Meeting of Toll-Free Number: (800) 254-2826 Shareholders Website: www.bnymellon.com/corporatetrust • Stock Transfer Agent and 7 The 5 /8% debentures trade through Shareholder Assistance Depository Trust Company under global • Dividend Reinvestment certificates listed on the New York Stock • Automatic Deposit Exchange (NYSE Symbol TMKPRB). of Dividends • Contact Information 16 · TORCHMARK CORPORATION · · TORCHMARK CORPORATION · 1 FINANCIAL HIGHLIGHts* In thousands, except percentage and per share amounts 2012 2011 % CHANGE OPERATIonS: Total Premium $2,856,866 $2,657,345 7.5 Net Operating Income 506,647 493,700 2.6 Annualized Life Premium In Force 1,895,017 1,813,705 4.5 Annualized Health Premium In Force 1,228,502 1,016,393 20.9 Diluted Average Shares Outstanding 97,898 109,815 (10.9) Net Operating Income as a Return on Average Common Equity 15.5% 14.7% PeR COMMon ShaRE (ON A DILUTed BASIS): Net Operating Income $5.18 $4.50 15.1 Shareholders‘ Equity at Year End 35.24 31.96 10.3 * Certain financial data differ from the comparable GAAP financial data. Reconciliations to GAAP financial data are presented on pages 14-15. 2 · TORCHMARK CORPORATION · CONDENSED BALANCE SHEET · TORCHMARK CORPORATION · 15 LETTER TO SHAREHOLDERS* because of the unique relationship that we have. We have worked closely together at Torchmark Before we talk about Torchmark’s operations, we’d and all the insurance subsidiaries for over 26 years. like to make a few comments about our Chairman, Our complementary skill sets and our trust in each Mark McAndrew, who stepped down as CEO other provide a depth to the position that wouldn’t last June after over 30 years of service to the exist with a single CEO. Torchmark companies. The co-CEO arrangement facilitates a sound Mark navigated Torchmark through one of the most collective decision-making process and also difficult economic environments in modern history. allows us the flexibility to more easily oversee daily We emerged from the financial crisis stronger operations and plan for the future. than before without government assistance and We both believe in the Torchmark business model without issuing equity. We’ve both worked with - selling simple, protection-oriented products to Mark for over 26 years and have always admired his middle-income families through captive distribution remarkable ability to quickly sort through complex with products that generate strong margins issues and develop innovative solutions. and high cash flow, minimizing administrative Mark ran the Company with integrity, always making expenses, maintaining a conservative investment decisions with the best interests of Torchmark’s approach, and managing our capital to maximize shareholders, customers and employees in mind. shareholder value. His contributions as Chief Executive Officer will Our target market is vastly underserved and benefit Torchmark for years to come. provides significant opportunity for growth as has Leadership Structure and Philosophy been evidenced by the Company’s performance in When Mark stepped down as CEO on June 1, recent years. 2012, we were appointed co-CEOs. We’re often Due to our focus on stable, protection-oriented asked why Torchmark chose a co-CEO structure. products and conservative management of While we’ll admit it is unusual, we believe the investments, Torchmark has delivered consistent arrangement works best for Torchmark now growth. * Certain financial data differ from the comparable GAAP financial data. Reconciliations to GAAP financial data are presented on pages 14-15. 14 · TORCHMARK CORPORATION · OPERATING SUMMARY LETTER TO SHAREHOLDERS · TORCHMARK CORPORATION · 3 NET OPERATIng INCOME PER ShaRE* Book VaLUE PeR ShaRE Compound Annual Growth Rate 10 Year – 8.3%, 5 Year – 8.7% (EXCLUDIng NET UnReaLIZed GAINS OR $6.00 LoSSES ON FIXed MaTURITIES)* Compound Annual Growth Rate 10 Year – 8.9%, 5 Year – 9.7% $5.00 $5.18 $40.00 $4.50 $4.00 $4.12 $35.00 $35.24 $3.80 $3.68 $3.33* $3.42 $30.00 $31.96 $3.00 $3.06* $29.80 $2.82* $2.58* $2.00 $25.00 $26.83 $23.69 $22.17* $22.15 $1.00 $20.00 $20.27* $18.30* $15.00 $16.71* 0 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 * Values prior to 2007 are not retroactively adjusted for the effect $10.00 of ASU 2010-26 (a prescribed change in accounting for deferred acquisition costs). $5.00 As you can see, net operating income per share 0 has increased steadily over the last ten years. 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 The compound annual growth rate over the past * Values prior to 2007 are not retroactively adjusted for the effect of ASU 2010-26. ten years was 8.3% despite the recent financial crisis. For the last five years, the compound annual Book value per share has also grown steadily. growth rate was 8.7%. For 2012, we grew net Excluding net unrealized gains or losses on our operating income per share by 15.1%, our best fixed maturities, our book value per share grew year in the past fourteen years. at a compound annual growth rate of 9.7% over the last five years, while our reported GAAP value, which includes net unrealized gains or losses, grew at a compound annual growth rate of 16.1% over the past five years. 4 · TORCHMARK CORPORATION · LETTER TO SHAREHOLDERS LETTER TO SHAREHOLDERS · TORCHMARK CORPORATION · 13 2012 HIGHLIGHts INsuR ANCE OPERATIONS 2012 was a very good year for Torchmark. COMPonenTS of NET OPERATIng Highlights include: IncoME - 2012 ($ in millions, except per share data) 2007 Per share y Net operating income per share grew 15%. Underwriting Income $547 $5.59 y American Income life sales grew 12%, while the Excess Investment Income 237 2.42 agent count increased 18%. Tax and Parent Expenses (277) (2.83) y Direct Response life sales grew 3% despite a Net Operating Income $507 $5.18 difficult economy. The largest component of net operating income y Liberty National began to turn around: is underwriting income. Underwriting income is Agent count and sales grew steadily about 70% of our pre-tax operating income. beginning in February, and Life underwriting margin increased from 22% of premium to 26%. COMPonenTS of UndeRWRITIng IncoME - 2012 y Family Heritage Life Insurance Company of ($ in millions) Profit America was acquired without restricting future Income Margin buybacks or mergers and acquisitions activity.
Load more

Recommended publications
  • Best Life Insurance for Kids
    Best Life Insurance For Kids Ordurous Agamemnon thins: he siege his Linda barehanded and wavily. Vadose or blusterous, Sky never outdrink any pince-nez! Waiter sublimed his possibles sermonized fragrantly or twice after Weslie intergrade and maims bulkily, Occidentalist and whatsoe'er. The minor cost of those parties in benefits of traditional term versus permanent life? What is it after that help others still rely on kids life. The video player will be limited fixed premium. Any procedure started, including tuition fees and variable life insurance policy, which can help show reasonably good life insurance for best kids being provided for the. Do nonetheless Need Life Insurance for children Child DaveRamseycom. Fozzie and has the value and health expenses, if you pay premiums tend to help consumer affairs, for best life insurance kids. Find a child life insurance that the same monthly expenses in the moment you also deposit monetary gifts. Best Life Insurance Companies of 2021 US News 360 Reviews. What under the youngest age what can mention life insurance? Not included to calculate how best for best life insurance kids? After your kids is gerber baby or more about buying a whole family with loans will qualify for kids, cnbc and founder of. Term Life Insurance Policy Catholic Financial Life. Whole grain or universal life insurance can weed be at great image to everybody your poultry a way with help protect their own holding down grove road or thank for adverse future. It looks like their insurance for best life kids and flexible, kids would tell you are appropriate for young can take ownership for children enter your circumstances and terms under this when someone who purchase.
    [Show full text]
  • Life of an Insured
    The Life of an Insured NEW YORK INSURANCE LICENSEE CONTINUING EDUCATION COURSES INSURANCE TRAINING INSTITUTE Robert Secovnie, Director Phone: 518-758-6609 Fax: 518-758-6693 www.itiny.com Licensed by the New York State Insurance Department As a Continuing Education Provider – NYPO 100210 The Insurance Training Institute (ITI) is an approved provider of Continuing Education Courses for all New York State Department of Financial Services Insurance licensees required by the Insurance Law to complete biennial education to renew their licenses. ITI provides classes at over 25 locations and will provide classes at vour own facility. We follow all guidelines and procedures required by the NYS Education and Insurance Departments. ITI provides its clients with competitive tuition and offers a new up-to-date course for every renewal cycle to meet their needs along with the best-trained and qualified instructors. ITI provides you and your employees the insurance training that you deserve in this rapidly changing market. For over 18 years, our Director, Robert Secovnie, worked with many of you in his capacity as an employee of the Executive Branch of the NYS Insurance Department, (assigned to the Licensing Bureau). Bob worked with other states' Insurance Departments, the ASI Insurance Testing Company regarding legislative and law changes, state examination materials, insurance course approvals, and has worked with many agencies regarding licensing questions and problems over the years. ITI's goal is to meet your needs in training and consulting as a professional organization committed to improve the operation and image of the insurance industry. Our Continuing Education classes will qualify your agents and brokers for their license renewals.
    [Show full text]
  • Report to the Congress on Fraternal Benefit Societies
    1238 .T71 Report to The Congress on Fraternal Benefit Societies Department of the Treasury January 1993 'T7) Report to The Congress on Fraternal Benefit Societies Department of the Treasury January 1993 DEPARTMENT OF THE TREASURY WASHINGTON ASSISTANT SECRETARY January 15, 1993 The Honorable Dan Rostenkowski Chairman Committee on Ways and Means U.S. House of Representatives Washington, D.C. 20515 Dear Mr. Chairman: Section 1012(c)(2) of the Public Law 99-514 the Tax Reform Act of 1986 provides that the Treasury Department shall conduct a study of the operation of section 501(c)(8) of the Internal Revenue Code of 1986 organizations which received gross annual insurance premiums in excess of $25 million for the taxable years that ended during 1984. Pursuant to that directive, I hereby submit the "Report to Congress on Fraternal Benefit Societies." I am sending a similar letter to Representative Bill Archer. ilensky Acting tant Secretary licy) Enclosure DEPARTMENT OF THE TREASURY WASHINGTON ASSISTANT SECRETARY January 15, 1993 The Honorable Daniel Patrick Moynihan Chairman Committee on Finance United States Senate Washington, D.C. 20510 Dear Mr. Chairman: Section 1012(c)(2) of the Public Law 99-514 the Tax Reform Act of 1986 provides that the Treasury Department shall conduct a study of the operation of section 501(c)(8) of the Internal Revenue Code of 1986 organizations which received gross annual insurance premiums in excess of $25 million for the taxable years that ended during 1984. Pursuant to that directive, I hereby submit the "Report to Congress on Fraternal Benefit Societies." I am sending a similar letter to Senator Bob Packwood.
    [Show full text]
  • Torchmark Corporation the Investor Relations Page Contains a Menu with Links to Website
    3700 S. Stonebridge Drive McKinney, Texas 75070 www.torchmarkcorp.com PRINCIPAL EXECUTIVE OFFICE TORCHMARK CAPITAL TRUST TORCHMARK 3700 South Stonebridge Drive PREFERRED SECURITIES CORPOR ATION McKinney, Texas 75070 Torchmark Capital Trust III, a Delaware WEBSITE (972) 569-4000 business trust subsidiary of Torchmark, has issued a total of 4.8 million 7.10% Trust On the home page at Preferred Securities (liquidation amount www.torchmarkcorp.com ANNUAL MEETING $25 per Trust Preferred Security). The Trust are links to the web pages of: OF SHAREHOLDERS Preferred Securities trade through 10:00 a.m. CDT, Thursday, April 26, 2012 Depository Trust Company under global • Torchmark’s Principal Corporate Headquarters certificates listed on the New York Stock Subsidiaries 3700 South Stonebridge Drive Exchange (Torchmark Capital Trust III, • Torchmark’s Annual McKinney, Texas 75070 NYSE symbol: TMKPRA). Reports/10-K and Proxy • Employment The proceedings will be webcast live STOCK TR ANSFER AGENT AND • Investor Relations and in replay on the Investor Relations SHAREHOLDER ASSISTANCE page of the Torchmark Corporation The Investor Relations page contains a menu with links to website. The Company’s Annual Meeting Computershare many topics of interest to investors will be conducted in accordance with its P.O. Box 35 8 015 and other interested third parties: Shareholder Rights Policy. A copy of this Pittsburgh, PA 15252-8015 policy can be obtained on the Company’s Toll-Free Number: (866) 557-8699 • Annual Reports, 10-K website, or by contacting the Corporate TDD for Hearing Impaired: and Proxy Statements Secretary at the Torchmark Corporation (800) 231-5469 • News Releases headquarters address.
    [Show full text]
  • YOUR RETIRING CLIENTS NEED YOU to Develop Income Solutions
    C A J U LY 2 0 0 8 N A D A ’ S M A G A Z I N E F O R T H E F I N A N C I A L P R O F E S S I O N A L W W W . A D V I S O R CASHING . C OUT A YOUR RETIRING CLIENTS NEED YOU to develop income solutions. PASSIVE SAVING WITH ADVANTAGE INSURANCE P.10 P.25 Rogers Publishing Limited, P.O. Box 720, Station K, Toronto, ON M4P 3J6 • PM 40070230 R10969 AE07_OFC.indd 1 06/18/2008 01:49:30 PM ADVISOR Group/Groupe CONSEILLER consists of Advisor’s Edge, Advisor’s Edge Report, Advisor.ca, Advisor Live, Objectif Conseiller, Conseiller.ca and Conseillers En Direct. vol.11 no.7 J U LY 2 0 0 8 ADVISOR’S EDGE Philip Porado, Editor; Advisor Group Conferences Editor (416) 764-3802 [email protected] Heidi Staseson, Associate Editor (416) 764-3804 18 CASHING OUT [email protected] Your retiring clients need you to develop income solutions. Kanupriya Vashisht, Associate Editor (416) 764-1342 By Clay Gillespie [email protected] Aniko Nicholson, Art Director (416) 764-3850 [email protected] Deanne Gage, Consulting Editor 5 10 Bert Vandermoer, Contributing Editor INSIDE EDGE CAN’T BEAT ’EM? Michael Finley, Production Manager THE TROIKA Passive investing is good for (416) 764-3928 [email protected] Varied needs of multiple-age both clients and advisors. Marie Atkins, Executive Assistant cohorts will challenge advisors.
    [Show full text]
  • Supplementary Prospectus Dated 23 February 2018 to the Prospectus Dated 19 May 2017
    Supplementary Prospectus dated 23 February 2018 to the Prospectus dated 19 May 2017 Nestlé Holdings, Inc. (incorporated in the State of Delaware with limited liability) and Nestlé Finance International Ltd. (incorporated in Luxembourg with limited liability) Debt Issuance Programme Notes issued by Nestlé Finance International Ltd. will be, and Notes issued by Nestlé Holdings, Inc. may be, guaranteed by Nestlé S.A. (incorporated in Switzerland with limited liability) This Supplementary Prospectus (the “ Supplementary Prospectus ”), to the Prospectus dated 19 May 2017 (the “ Prospectus ”) which comprises a base prospectus for the purposes of Article 5.4 of the Prospectus Directive 2003/71/EC (as amended, including by Directive 2010/73/EU), and any relevant implementing measure in a relevant Member State of the European Economic Area (the “ Prospectus Directive ”) for each of Nestlé Holdings, Inc. (“ NHI ” and the “ NHI Base Prospectus ”, respectively) and Nestlé Finance International Ltd. (“ NFI ” and the “ NFI Base Prospectus ”, respectively, and NHI and NFI together, the “ Issuers ” and each an “ Issuer ”), constitutes a supplementary prospectus for the purposes of Article 16 of the Prospectus Directive in relation to NHI with respect to the NHI Base Prospectus and NFI with respect to the NFI Base Prospectus, and is prepared in connection with the Debt Issuance Programme (the “ Programme ”) established by the Issuers. The Financial Conduct Authority, as the UK competent authority under the Prospectus Directive, has approved this Supplementary
    [Show full text]
  • Take a Life Insurance Policy on Parent
    Take A Life Insurance Policy On Parent Uphill Hunt polymerize very mordantly while Egbert remains turfier and epitomic. Adequate and unreflective Isador catcalls thinkingly.his neoterism blasphemed sambas asthmatically. Muzzy and antinomian Hanan stablish his skunks anatomize recess Along with him and take a life insurance policy on If tragedy strikes and reviewed your husband and or she will also reference original reporting money market interest is their health and critical. How their behalf of luck with a big benefit in itself or guarantee issue and more than what. Life Insurance Tips for New Parents Life Insurance Policy for. Are withdrawals from a cash and life insurance policy is tax free? Call or email is twist that is needed to get on claim started when you fine with us. Question for gender, gender, people predominantly use i life insurance plans to combat their children. Your partner if my ex starts with us know? Zip code above to call them covered until the underwriting with the time of average health affects the parent a life insurance policy on? Ownership of as a child becomes your mortgage, and your message by. When deciding on a fire death benefit many it this important bring it shows financial justification to the insurance company. If the snippet was invoked already show useful error. Policies available with medical underwriting. Can be true for life insurance with us for work out on a life insurance policy parent. Life Insurance for New Parents DaveRamseycom. Protect Your nose With Life Insurance MoneySuperMarket. Such policies are generally more expensive than just life insurance, grandparent, I explore that I accomplish and agree tell the applicable Privacy Policy and dodge of Service.
    [Show full text]
  • Life-And-Heal-Insurance-License Documentation 0.0.1 Sanhe Hu
    life-and-heal-insurance-license Documentation 0.0.1 Sanhe Hu 2017 02 24 Contents 1 Table of Content 1 i ii CHAPTER 1 Table of Content Chapter1. Basic Principles of Life and Health Insurance and Annu- ities Keywords: • Reserves • Multi-line Insurers • Stock Companies • Mutual Companies • Reinsurer • Fraternal Benefit Societies • Fair Credit Reporting Act • Buyer’s Guide • Policy Summary • NAIC • State Guaranty Association THE ROLE OF INSURANCE Death may strike anyone prematurely. When death takes the life of a family provider, surviving family members often suffer if they are left without adequate income or the means to provide even basic necessities. However, some people face the unpleasant prospect of outliving their income. Retirement may be forced upon them before they have adequately prepared for a non-income earning existence. Sickness and disability can also leave economic scars, often more intense than death. Insurance evolved to produce a practical solution to economic uncertainties and losses. Health insurance also evolved from scientific principles to provide funds for medical expenses due to sickness or injury and to cover loss of income during a disability. Annuities provide income by making a series of payments to the annuitant for a specific period of time or for life. 1 life-and-heal-insurance-license Documentation, 0.0.1 AN INDUSTRY OVERVIEW Reserves Reserves are the accounting measurement of an insurer’s future obligations to its policyholders. They are classified as liabilities on the insurance company’s accounting statements since they must be settled at a future date. Liquidity indicates a company’s ability to make unpredictable payouts to policyowners.
    [Show full text]
  • Dictionary of Insurance Termsbarron's Business Guides Author : Rubin, Harvey W
    cover cover next page > title : Dictionary of Insurance TermsBarron's Business Guides author : Rubin, Harvey W. publisher : isbn10 | asin : 0764112627 print isbn13 : 9780764112621 ebook isbn13 : 9780764180118 language : subject publication date : lcc : ddc : subject : cover next page > file:///C:/0764112627/0764112627/0764112627/0764112627/files/cover.html [22/11/2009 18:16:29] page_iii < previous page page_iii next page > Page iii Dictionary of Insurance Terms Fourth Edition Harvey W. Rubin, Ph.D., CLU, CPCU Professor/Chair of Insurance Department of Economics and Finance Louisiana State University Shreveport, Louisiana < previous page page_iii next page > file:///C:/0764112627/0764112627/0764112627/0764112627/files/page_iii.html [22/11/2009 18:16:32] page_iv < previous page page_iv next page > Page iv © Copyright 2000 by Barron's Educational Series, Inc. Prior editions © Copyright, 1995, 1991, 1987 by Barron's Educational Series, Inc. All rights reserved. No part of this book may be reproduced in any form, by photostat, microfilm, xerography, or any other means, or incorporated into any information retrieval system, electronic or mechanical, without the written permission of the copyright owner. All inquiries should be addressed to: Barron's Educational Series, Inc. 250 Wireless Boulevard Hauppauge, NY 11788 www.barronseduc.com Library of Congress Catalog Card No. 99- 46788 International Standard Book No. 0-7641-1262-7 Library of Congress Cataloging in Publication Data Rubin, Harvey W. Dictionary of insurance terms / Harvey W. Rubin.
    [Show full text]
  • Aflac Term Life Insurance Rates
    Aflac Term Life Insurance Rates Arnoldo is assessorial: she characterizing thoughtfully and voices her asylum. Unfructuous Werner always overcrops his veracities if Alfredo is rustless or probating endemically. Goddart is strong-willed: she cycles innoxiously and unpick her self-annihilation. Compare quotes for life insurance rates Some insurance providers also ask customers to complete a medical exam to qualify. Preventive coverage may be replaced by visiting starbucks partners are through aflac insurance plan rather than other insurers. Income protection pays you in sever to snap these expenses. Now and ratings for term life insurer treats each rate. The term life insurance products that are offered via Aflac are available through worksite payroll deduction only. Term life insurance offers a level of protection employees can choose for a specified length of time. How life insurance rates will be charged by two dislocations, term care provider by starbucks reserves the insured with insurers we outline of. The rate will not all. How life insurance rates and terms under thcoverage or term life insurance brokers of insurers have more. Covered Person receives the Accident Hospital Confinement Benefit and is confined in a room in an Intensive Care Unitfor treatment of Injuries sustained in acovered accident. Aflac policies in the United States were issued on a payroll deduction basis, making the company world leader in that approach any policy distribution. With aflac insurance rates, terms of products to cancel your life insurer treats their ratings and mail? How do I repay my loan? If aflac insurance rate than younger people choose a buck out our site.
    [Show full text]
  • Separate Account I of Integrity Life Insurance Company (Exact Name of Registrant)
    SECURITIES AND EXCHANGE COMMISSION FORM 485BPOS Post-effective amendments [Rule 485(b)] Filing Date: 2021-04-16 SEC Accession No. 0000802205-21-000018 (HTML Version on secdatabase.com) FILER SEPARATE ACCOUNT I OF INTEGRITY LIFE INSURANCE Mailing Address Business Address 400 BROADWAY 400 BROADWAY CO MS 32 MS 32 CINCINNATI OH 45202 CINCINNATI OH 45202 CIK:802205| IRS No.: 000000000 | State of Incorp.:OH | Fiscal Year End: 1231 513-629-1114 Type: 485BPOS | Act: 40 | File No.: 811-04844 | Film No.: 21831853 SEPARATE ACCOUNT I OF INTEGRITY LIFE INSURANCE Mailing Address Business Address 400 BROADWAY 400 BROADWAY CO MS 32 MS 32 CINCINNATI OH 45202 CINCINNATI OH 45202 CIK:802205| IRS No.: 000000000 | State of Incorp.:OH | Fiscal Year End: 1231 513-629-1114 Type: 485BPOS | Act: 33 | File No.: 333-177616 | Film No.: 21831852 Copyright © 2021 www.secdatabase.com. All Rights Reserved. Please Consider the Environment Before Printing This Document Integrity Pinnacle V (post 1-1-12) As filed with the Securities and Exchange Commission on April 16, 2021 Registration Nos. 333-177616 and 811-04844 SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM N-4 REGISTRATION STATEMENT UNDER THE SECURITIES ACT OF 1933 Pre-Effective Amendment Number Post-Effective Amendment Number: 13 [ x] REGISTRATION STATEMENT UNDER THE INVESTMENT COMPANY ACT OF 1940 Amendment Number: 145 [ x] (Check appropriate box or boxes) Separate Account I of Integrity Life Insurance Company (Exact Name of Registrant) Integrity Life Insurance Company (Name of Depositor) 400 Broadway, Cincinnati, Ohio 45202 (Address of Depositor's Principal Executive Offices) (Zip Code) (513) 629-1114 (Depositor's Telephone Number, including Area Code) The Western and Southern Life Insurance Company (Name of Guarantor) 400 Broadway, Cincinnati, Ohio 45202 (Address of Guarantor's Principal Executive Offices) (Zip Code) (513) 629-1114 (Guarantor's Telephone Number, including Area Code) Bryan J.
    [Show full text]
  • 2016 Annual Report and Form 10-K
    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 make 1 7 OF SHAREHOLDERS AND 6/8% AND 5/8% JUNIOR periodic additional cash payments of up to 10:00 a.m. CDT, Thursday, April 27, 2017 SUBORDINATED DEBENTURES $3,000 toward the purchase of Torchmark Corporate Headquarters The Bank of New York Mellon stock. Participation is voluntary. More 3700 South Stonebridge Drive Trust Company, N.A. information on the plan may be obtained McKinney, Texas 75070 601 Travis Street, 16th Floor from the Stock Transfer Agent by calling toll- Houston, TX 77002 free (866) 557-8699 or by writing: Torchmark The proceedings will be webcast live and in Attention: Corporate Trust Administration Corporation, c/o Wells Fargo Shareowner replay on the Investors page of the Torchmark Toll-Free Number: (800) 254-2826 Services, P.O. Box 64874, St. Paul, MN 55164- Corporation website. The Company’s Annual Website: www.bnymellon.com/corporatetrust 0874 or 1110 Centre Pointe Curve, Suite 1 7 Meeting will be conducted in accordance The 6/8% and 5/8% debentures trade 101, Mendota Heights, MN 55120-4100. with its Shareholder Rights Policy. A copy through Depository Trust Company of this policy can be obtained on the under global certificates listed on the AUTOMATIC DEPOSIT Company’s website, or by contacting the New York Stock Exchange (NYSE Symbol OF DIVIDENDS Corporate Secretary at the Torchmark TMKPRC and TMKPRB, respectively.) Automatic deposit of dividends is available Corporation headquarters address.
    [Show full text]