Metlife Proxy Statement 2018
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Group Life Insurance Product Information Booklet
GROUP LIFE INSURANCE PRODUCT INFORMATION BOOKLET July 2021 aia.com.au GROUP LIFE INSURANCE PRODUCT INFORMATION BOOKLET | About AIA Australia About AIA AIA Australia is a leading life insurance specialist with over AIA Group Limited and its subsidiaries (collectively “AIA” 48 years’ experience and a commitment to help Australians or the “Group”) comprise the largest independent publicly live healthier, longer, better lives. In 2014 the company listed pan-Asian life insurance group. It has a presence in launched AIA Vitality, a world leading, science-based health 18 markets across the Asia-Pacific region – whollyowned and wellbeing program, to the Australian market. In July branches and subsidiaries in Hong Kong SAR, Thailand, 2017, AIA and its partners launched AIA’s health insurance Singapore, Malaysia, Mainland China, South Korea, the business, now known as AIA Health Insurance. Philippines, Australia, Indonesia, Taiwan (China), Vietnam, New Zealand, Macau SAR, Brunei, Cambodia, Myanmar, and a In 2021, CommInsure Life was integrated into AIA Australia. 49 per cent joint venture in India. The lives of more than 3.8 million Australians are protected and enhanced through AIA Australia’s unique value proposition The business that is now AIA was first established in of life, health and wellbeing. Our vision is to embrace shared Shanghai a century ago in 1919. It is a market leader in value in championing Australia and New Zealand to be the the Asia-Pacific region (ex-Japan) based on life insurance healthiest and best protected nations in the world. premiums and holds leading positions across the majority of its markets. It had total assets of US$326 billion as of AIA Australia has been recognised with multiple awards, 31 December 2020. -
Ethics Agreement in Order to Avoid Any Financial Conflict
Date: 7 .-e-•15 Iett..% 1--4 17 MEMORANDUM FOR THE RECORD SUBJECT: Ethics Agreement In order to avoid any financial conflict of interest in violation of 18 U.S.C. § 208(a) or the appearance of a financial conflict of interest as defined in the Standards of Ethical Conduct for Employees of the Executive Branch, 5 C.F.R. § 2635.502, and to adhere to the Ethics Pledge instituted by Executive Order 13770 issued on January 28, 2017, and entitled "Ethics Commitments by Executive Branch Appointees" (the Ethics Pledge), I am issuing the following statement. I understand that as an appointee I must sign the Ethics Pledge and that I will be bound by the requirements and restrictions therein even if not specifically mentioned in this or any other ethics agreement. Before beginning my covered Federal position, I resigned from my non-Federal positions with the Association of State and Territorial Health Officials (ASTHO) and the State of Georgia on July 6, 2017. Pursuant to the Ethics Pledge, I will not, for a period of two years from the date of my appointment to my covered Federal position, participate in an official capacity in any particular matter involving specific parties that is directly and substantially related to ASTHO, unless an exception applies or I am granted a waiver. I understand that this provision in the Ethics Pledge does not apply to state government entities, including the State of Georgia. Even when the two-year restriction of the Ethics Pledge does not apply, under 5 C.F.R. § 2635.502, I will not, for a period of one year from the date of my resignation from ASTHO and the State of Georgia, participate in any particular matter involving specific parties in which ASTHO or the State of Georgia is a party or represents a party, unless I am first authorized to participate, pursuant to 5 C.F.R. -
ESG Report 2020”)
ENVIRONMENTAL, SOCIAL AND GOVERNANCE REPORT 2020 STOCK CODE 1299 AIA GROUP LIMITED 友邦保險控股有限公司 AIA GROUP LIMITED | Environmental, Social and Governance Report 2020 CONTENTS CONTENTS 1 2020 ESG AT-A-GLANCE 16 Health and 52 People and Culture 3 Chairman’s Statement Wellness 2020 ESG 55 Developing Our People AT-A-GLANCE 6 Statement from Group 18 Engaging and Inspiring 58 Diversity and Inclusion Chief Executive and Healthy Living CHAIRMAN’S 60 A Risk-aware Culture STATEMENT President Greater Access to 21 61 Recognising and Quality Care Rewarding Our People STATEMENT FROM 23 Champion Financial GROUP CHIEF 9 About This Report 66 SUPPLEMENT: EXECUTIVE AND Inclusion Supporting Our PRESIDENT 9 Who We Are 25 Delivering Better Health Employees During Outcomes COVID-19 ABOUT THIS 10 Our Purpose REPORT 11 Our ESG Strategy 30 SUPPLEMENT: Supporting Our HEALTH AND 14 Our Material Issues Communities Through 67 Effective WELLNESS 15 Our Approach to COVID-19 Governance ESG Reporting GREEN 69 Board Governance OPERATIONS 35 Green Operations 70 Effective Risk SUSTAINABLE Management and INVESTMENT 37 Digital Transformation Responsible Business 37 Encouraging Good Practices PEOPLE AND CULTURE ESG Practice 77 Promoting ESG Best 38 Green Buildings Practice EFFECTIVE 40 Reducing our Carbon 78 ESG Ratings and Index GOVERNANCE Footprint Inclusions OUR TCFD REPORT FEEDBACK 41 Sustainable 80 SUPPLEMENT: Our Investment TCFD Report GRI AND HKSE GUIDE CONTENT 43 ESG Engagements 81 Governance of Climate INDEX 46 ESG Training and Change Risks and Development Impacts 48 Broadening -
10 Years of the Dodd-Frank Act
10 Years of the Dodd-Frank Act BACKGROUND On July 21, 2010, the Dodd-Frank Wall Street Reform and Consumer Protection Act was signed into law. Dodd-Frank, which spans more than 2,300 pages and created more than 400 new rules and mandates, established the financial regulatory framework that sets the guideposts within which banks of all sizes, particularly large financial institutions, operate. Ten years after the massive financial regulatory overhaul, the post-crisis regulatory framework remains intact. The strength and resilience of the American banking system today is the result of the substantial efforts and investment by policymakers, regulators and financial institutions across the country to achieve the shared goal of financial stability. THE LASTING LEGACY OF THE DODD-FRANK ACT Dodd-Frank established a number of important measures to promote financial stability. Some of the most impactful include measures to promote resolvability, limit proprietary trading and create central clearing for certain financial instruments. 1. Resolvability Dodd-Frank led to significant enhancements to the resolvability of financial institutions, improving stability within the U.S. financial system. LIVING WILLS Large banks now engage in an ongoing decrease their organizational complexity. Total resolution planning process. Through the subsidiaries at U.S. GSIBs have declined by regular submission to the Federal Reserve and roughly 40% since 2009. the FDIC of resolution plans, also known as living wills, large banks explain how they would undergo an orderly resolution -
Q1 2020 Building Sustainable Shareholder Value Business Overview
Q1 2020 Building Sustainable Shareholder Value Business overview Update in light of COVID-19 Business group results & highlights Capital management Asset portfolio Sustainability 2 A $26.51 billion leading global financial services organization Offices in 40,600 Employees 125,900 advisors 27 markets 2 2 2 Operating through a balanced and diversified model and focused on creating shareholder value now and in the future SUN LIFE • Q1 2020 1 Market capitalization in C$ as at March 31, 2020 3 2 As at December 31, 2019. Includes Asia joint ventures The Sun Life story • A diversified business model, with four strong pillars that can each compete, win and grow in their respective sectors and which leverage each other • Bound together by a strong balance sheet and risk culture, including no U.S. Variable Annuity or U.S. Long-Term Care • Digital transformation that is deeply embedded throughout the organization • Building on momentum created by past organic investments and acquisitions that will help drive earnings growth SUN LIFE • Q1 2020 4 Executing on our ambition to be one of the best insurance and asset management companies globally A Leader in Insurance and A Leader in U.S. Wealth Solutions in our CAN US Group Benefits Canadian Home Market A Leader in Asia A Leader in Global AM ASIA through Distribution Asset Management Excellence in Higher Growth Markets Each pillar Top quartile Disproportionate Top quartile total viewed as a Client share of top shareholder leader experience talent return SUN LIFE • Q1 2020 5 Consistently delivering value to shareholders 5-year total shareholder return1 Progress on medium-term objectives March 31, 2020 Sun Life 6.9% Medium-term objective Q1 2020 TSX 0.9% Underlying ROE2 12-14% 14.2% Canadian lifecos 0.0% Underlying EPS growth2 9% Global lifecos (1.2)% 8-10% Dividend payout ratio2 U.S. -
Comment Letter
September 30, 2020 VIA ELECTRONIC SUBMISSION Financial Stability Board Centralbahnplatz 2 CH-4002 Basel Switzerland Re: Financial Stability Board Evaluation of “Too-Big-to-Fail” Reforms Ladies and Gentlemen: The Financial Services Forum (the “Forum”)1 and the American Bankers Association2 (“ABA” and, together with the Forum, “the Associations”) appreciate the opportunity to submit this letter to the Financial Stability Board (the “FSB”) on its evaluation of the effects of too-big-to-fail (“TBTF”) reforms.3 The FSB’s consultation report presents the preliminary results of its evaluation of the effects of TBTF reforms adopted since the global financial crisis and examines the extent to which the reforms are reducing systemic and moral hazard risks associated with systemically important banks (“SIBs”). This consultation report is relevant to our member institutions, and in particular the U.S. global systemically important bank holding companies (“U.S. GSIBs”), which are key stakeholders with information and experience on the efficacy and effects of TBTF reforms in the United States. Below, we comment on the preliminary results of the consultation report, describe 1 The Financial Services Forum is an economic policy and advocacy organization whose members are the chief executive officers of the eight largest and most diversified financial institutions headquartered in the United States. Forum member institutions are a leading source of lending and investment in the United States and serve millions of consumers, businesses, investors, and communities throughout the country. The Forum promotes policies that support savings and investment, deep and liquid capital markets, a competitive global marketplace, and a sound financial system. -
Ng Keng Hooi to Retire As AIA Group Chief Executive and President to Be Succeeded by Lee Yuan Siong from 1 June 2020
This announcement is for information purposes only and does not constitute an invitation or offer by any person to acquire, purchase or subscribe for securities. This announcement is not, and is not intended to be, an offer of securities of the Company for sale in the United States. The securities of the Company have not been, and will not be, registered under the U.S. Securities Act of 1933, as amended (the “U.S. Securities Act”) and may not be offered or sold in the United States absent registration or an applicable exemption from registration requirements under the U.S. Securities Act. There is not, and is not intended to be, any public offering of the securities of the Company in the United States. Hong Kong Exchanges and Clearing Limited and The Stock Exchange of Hong Kong Limited take no responsibility for the contents of this announcement, make no representation as to its accuracy or completeness and expressly disclaim any liability whatsoever for any loss howsoever arising from or in reliance upon the whole or any part of the contents of this announcement. Ng Keng Hooi to retire as AIA Group Chief Executive and President To be succeeded by Lee Yuan Siong from 1 June 2020 HONG KONG, 22 November 2019 – AIA Group Limited (“AIA” or the “Company”) announces today that its Group Chief Executive and President, Ng Keng Hooi, has informed the Board of Directors of the Company (the “Board”) of his intention to retire from his executive positions with the Company and its subsidiaries (the “Group”) effective 31 May 2020. -
INSURANCE AGENT of the YEAR Joyce Chan Prudential Assurance Company, Singapore
5th Asia Trusted Life Agents & Advisers Awards 2020 The Winners Organisers Co-Organiser Strategic Partner Organisers Co-Organiser Strategic Partner Supporting Organisations CONTENTS 21 27 Bank Partner Insurance Agency of the Year Leader of the Year 2 22 28 Messages Digital Agency Insurance Agent Leader of the Year of the Year 6 23 29 The Judges InsurTech of the Year Young Executive of the Year 18 24 30 Rookie Insurance Agent Digital Transformation Insurance Company of the Year of the Year of the Year 19 25 31 Rookie Insurance Agency Inspirational Agency Executive Champion Leader of the Year Leader of the Year of the Year 20 26 37 Financial Adviser Lifetime Achievement The Finalists of the Year Award 1 5th Asia Trusted Life Agents & Advisers Awards 2020 MESSAGE-PATRON Going from strength to strength s the Founding Patron of the Asia Trusted Life Agents & Advisers Insurance is still fundamentally all Awards, I am delighted to see them continue to go from strength to about making promises to people. strength in their fifth year, in spite of the many challenges we are facing The true value of agents and advisers as a result of COVID-19. comes in the way that they combine A the use of exciting new technologies As the focus shifts towards rebuilding and repairing economies, financial with excellence in customer service. services generally – and our industry specifically – will play a leading role. The For many, they are the human face requirement for long-term capital and need to manage new kinds of risk clearly of our promises – and their ability play to our industry’s strengths – but we will also need to adapt to the new to build trusted relationships with normal. -
Manulife's Investor Day 2017 in Hong Kong-Slides-Day 1
June 21, 2017 Hong Kong Agenda Time Speaker Presentation 9:05 am Donald Guloien Delivering on commitments, driving shareholder value & preparing for the future 9:20 am Roy Gori A compelling opportunity and clear priorities to win 9:40 am Steve Roder Commitment to shareholder value creation 10:10 am Q&A Session 10:45 am Roy Gori & Phil Witherington Executing on our Asia opportunity 11:30 am Q&A Session 11:55 am Various Labs 12:25 pm Lunch with Guest Speaker 1:40 pm Linda Mantia Driving Customer Centricity and Innovation 2:10 pm Q&A Session 2:25 pm Various Labs 3:05 pm Kai Sotorp A global wealth and asset management platform with solid growth momentum 3:35 pm Q&A Session 3:50 pm Various Labs Caution regarding forward-looking statements From time to time, MFC makes written and/or oral forward-looking statements, including in this presentation. In addition, our representatives may make forward-looking statements orally to analysts, investors, the media and others. All such statements are made pursuant to the “safe harbour” provisions of Canadian provincial securities laws and the U.S. Private Securities Litigation Reform Act of 1995. The forward-looking statements in this presentation include, but are not limited to, statements with respect to demographic and market trends and their expected benefit, core ROE expansion over the medium term and the drivers of such expansion, our expected dividend payout ratio, annual core earnings per share growth over the medium term and dividend growth over time. The forward-looking statements in this presentation -
Aia Group Adds Paul Groves to Its Leadership Team As Group Chief Marketing Officer
AIA Group Limited 35/F AIA Central 1 Connaught Road Central Hong Kong T: (852) 2832 1800 F: (852) 2572 4695 AIA.COM Media Release Contact: Patricia Chua/Emerald Ng +852 2832 1366/+852 2832 4720 AIA GROUP ADDS PAUL GROVES TO ITS LEADERSHIP TEAM AS GROUP CHIEF MARKETING OFFICER HONG KONG, 3 DECEMBER 2010 – AIA Group Limited, (“AIA”; stock code: 1299), the world’s largest independent listed pan-Asian life insurance group, announced the appointment of Paul Groves as Executive Vice President & Group Chief Marketing Officer effective 12 January 2011. Mr. Groves will be joining AIA from MetLife International (previously ALICO) where he was most recently Senior Vice-President, Head of International Marketing and Direct to Consumer channel including oversight for 125 marketing colleagues across 65 countries. Prior to MetLife, he was Chief Marketing Officer, UK & Ireland for GE Money, and had spent another 27 years with Barclays and Barclaycard in the UK, including Channel Strategy & Management Director for Retail Banking, Head of Customer Retention and Marketing Communications Director. Mr. Mark Tucker, AIA Group Executive Chairman & Chief Executive Officer said: “Paul joins us with almost 30 years of marketing experience in financial services – experience that is very focused on the delivery of results and creation of shareholder value. The breadth and depth of Paul’s experience makes him an extremely valuable addition to my leadership team. He will oversee AIA Group’s strategic marketing functions with the ultimate goal of helping AIA attract and retain customers.” Mr. Groves, who will be based in Hong Kong, will be in charge of the Group’s marketing functions including development of overall marketing strategy and planning, communications and branding, product management, business intelligence, customer value group and digital marketing, as well as providing leadership support to AIA’s country marketing operations. -
AIA Completes the Acquisition of ING Malaysia 18 December 2012
AIA Group Limited 35/F AIA Central 1 Connaught Road Central Hong Kong T: (852) 2832 1800 F: (852) 2572 4695 AIA.COM Media Release AIA Completes the Acquisition of ING Malaysia HONG KONG, 18 December 2012 – AIA Group Limited (“AIA” or the “Group”) announced today that it has successfully completed the acquisition of ING Management Holdings (Malaysia) Sdn. Bhd. (“ING Malaysia”) following receipt of the required regulatory approvals. ING Malaysia is the third largest insurer in Malaysia, serving more than 1.6 million customers and offering a suite of products including life, general, employee benefits as well as Takaful insurance products through a joint venture. The combined business will transform AIA’s scale and reach to become the market leader in the fast-growing and highly profitable Malaysian life insurance market. Mark Tucker, AIA’s Group Chief Executive and President, said, “We are delighted to have completed the acquisition before the end of 2012. As we said at the time of announcement in October, the acquisition of ING Malaysia represents a highly attractive opportunity with compelling strategic and financial benefits for AIA. With a combined customer base of over 2.6 million people, approximately 16,600 agents and an exclusive bancassurance relationship with one of Malaysia’s leading banking organisations, our enlarged business in Malaysia represents a very powerful proposition that will result in a positive outcome for our shareholders, customers, employees and agents.” In November, AIA announced that it had appointed Bill Lisle, AIA’s Group Chief Distribution Officer, to lead the integration of ING Malaysia with AIA’s business in Malaysia, reporting to Ng Keng Hooi, Regional Chief Executive. -
UNITED STATES of AMERICA Before the SECURITIES and EXCHANGE COMMISSION
UNITED STATES OF AMERICA Before the SECURITIES AND EXCHANGE COMMISSION ____________________________________ | In re | PETITION FOR RULEMAKING EXCLUSION OF RESUBMITTED | REGARDING RESUBMISSION SHAREHOLDER PROPOSALS, 17 | OF SHAREHOLDER C.F.R. §240.14a-8(i)(12) | PROPOSALS FAILING TO | ELICIT MEANINGFUL | SHAREHOLDER SUPPORT | | | | I. Introduction and Nature of Proceeding 1.1. Pursuant to the Administrative Procedure Act,1 and Rule 192(a) of the Securities and Exchange Commission’s (“SEC” or “Commission”) Rules of Practice,2 the U.S. Chamber of Commerce, National Association of Corporate Directors, National Black Chamber of Commerce, American Petroleum Institute, American Insurance Association, The Latino Coalition, Financial Services Roundtable, Center on Executive Compensation, and Financial Services Forum (collectively, “Petitioners”) petition the Commission to propose an amendment to, seek public comment on, and ultimately amend, the Commission’s existing rule regarding the excludability from company proxy materials 1 5 U.S.C. §553(e) (2012). 2 17 C.F.R. §201.192(a) (2013). of shareholder proposals previously submitted to shareholders that did not elicit meaningful shareholder support (“Resubmission Rule”).3 3 17 C.F.R. §240.14a-8(i)(12) (2013). Securities Exchange Act (“’34 Act”) Rule 14a-8 is not written the way most SEC rules are written. Rather, the Rule utilizes a question-and-answer format to set forth the circumstances in which a public company may exclude a shareholder proposal from its proxy materials. Subparagraph (i) responds to “Question 9,” inquiring under what circumstances a shareholder proposal may be excluded even if the shareholder has “complied with the procedural requirements” of Rule 14a-8.