Investor Presentaiton
Exhibit 1: Safe Harbor Statement
Some of the statements in this presentation, including our business and financial plans and any statements regarding the company's anticipated future financial performance, business
prospects, growth and operating strategies and similar matters, including financial objectives and the strength, diversity, predictability and resiliency of enterprise and segment earnings,
cash flows and other results, may constitute forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995.
You can identify forward-looking statements by the use of words such as "outlook," "objective," "will," "may," "can,” “anticipates," "expects," "estimates," "projects," "intends," "plans," "believes,"
"targets," "forecasts," "potential," "approximately," and the negative version of those words and other words and terms with a similar meaning. Any forward-looking statements contained in
this presentation are based upon our historical performance and on current plans, estimates and expectations. The inclusion of this forward-looking information should not be regarded as a
representation by us or any other person that our future plans, estimates or expectations will be achieved. Our actual results might differ materially from those projected in the forward-
looking statements. We undertake no obligation to update or review any forward-looking statement, whether as a result of new information, future events or other developments. The
following factors could cause our actual results to differ materially from those currently estimated by management, including those projected in the company outlook: i. the loss of significant
clients, distributors or other parties with whom we do business, or if we are unable to renew contracts with them on favorable terms, or if they disintermediate us, or if those parties face
financial, reputational or regulatory issues; ii. significant competitive pressures, changes in customer preferences and disruption; iii. the failure to execute our strategy, including through the
continuing service of key executives, senior leaders, highly-skilled personnel and a high-performing workforce; iv. the failure to find suitable acquisitions at attractive prices, integrate
acquired businesses or divest of non-strategic businesses effectively or identify new areas for organic growth; v. our inability to recover should we experience a business continuity event; vi.
the failure to manage vendors and other third parties on whom we rely to conduct business and provide services to our clients; vii. risks related to our international operations; viii. declines
in the value and availability of mobile devices, and export compliance or other risks in our mobile business; ix. our inability to develop and maintain distribution sources or attract and retain
sales representatives and executives with key client relationships; x. risks associated with joint ventures, franchises and investments in which we share ownership and management with
third parties; xi. the impact of catastrophe and non-catastrophe losses, including as a result of the current inflationary environment and climate change; xii. negative publicity relating to our
business, industry or clients; xiii. the impact of general economic, financial market and political conditions and conditions in the markets in which we operate, including the current
inflationary environment; xiv. the adequacy of reserves established for claims and our inability to accurately predict and price for claims and other costs; xv. a decline in financial strength
ratings of our insurance subsidiaries or in our corporate senior debt ratings; xvi. fluctuations in exchange rates, including in the current environment; xvii. an impairment of goodwill or
other intangible assets; xviii. the failure to maintain effective internal control over financial reporting; xix. unfavorable conditions in the capital and credit markets; xx. a decrease in the value
of our investment portfolio, including due to market, credit and liquidity risks, and changes in interest rates; xxi. an impairment in the value of our deferred tax assets; xxii. the unavailability
or inadequacy of reinsurance coverage and the credit risk of reinsurers, including those to whom we have sold business through reinsurance; xxiii. the credit risk of some of our agents,
third-party administrators and clients; xxiv. the inability of our subsidiaries to pay sufficient dividends to the holding company and limitations on our ability to declare and pay dividends or
repurchase shares; xxv. limitations in the analytical models we use to assist in our decision-making; xxvi. the failure to effectively maintain and modernize our information technology
systems and infrastructure, or the failure to integrate those of acquired businesses; xxvii. breaches of our information technology systems or those of third parties with whom we do
business, or the failure to protect the security of data in such systems, including due to cyberattacks and as a result of working remotely; xxviii. the costs of complying with, or the failure to
comply with, extensive laws and regulations to which we are subject, including those related to privacy, data security, data protection and tax; xxix. the impact of litigation and regulatory
actions; xxx. reductions or deferrals in the insurance premiums we charge; xxxi. changes in insurance, tax and other regulations, including the Inflation Reduction Act of 2022; xxxii. volatility
in our common stock price and trading volume; and xxxiii. employee misconduct.
For additional information on factors that could affect our actual results, please refer to the factors identified in the reports we file with the U.S. Securities and Exchange Commission,
including the risk factors identified in our most recent Annual Report on Form 10-K and Quarterly Reports on Form 10-Q.
✰ ASSURANT ®
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