EVEREST GROUP, LTD.
For the period ended Dec 31, 2025. Filed Feb 26, 2026.
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A company's yearly report to the SEC, with audited financial statements. It is the fullest account a company gives of its business, its finances and the risks it sees.
FY2025 · Filed Feb 26, 2026
EG$422.32+2.3%Stored close · as of Nov 10, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Item 15. Exhibits and Financial Statement Schedules
INDEX TO CONSOLIDATED FINANCIAL STATEMENTS AND SCHEDULES
| Pages | |
| Report of Independent Registered Public Accounting Firm (PCAOB FIRM ID 185, 238) | F-2 |
|---|---|
| Consolidated Balance Sheets at December 31, 2025 and 2024 | F-6 |
| Consolidated Statements of Operations and Comprehensive Income (Loss) for the Years Ended December 31, 2025, 2024 and 2023 | F-7 |
| Consolidated Statements of Changes in Shareholders’ Equity for the Years Ended December 31, 2025, 2024 and 2023 | F-8 |
| Consolidated Statements of Cash Flows for the Years Ended December 31, 2025, 2024 and 2023 | F-9 |
| Notes to Consolidated Financial Statements | F-10 |
| Schedules | |
| ISummary of Investments Other Than Investments in Related Parties at December 31, 2025 | S-1 |
| IICondensed Financial Information of Registrant: | |
| Balance Sheets as of December 31, 2025 and 2024 | S-2 |
| Statements of Operations for the Years Ended December 31, 2025, 2024 and 2023 | S-3 |
| Statements of Cash Flows for the Years Ended December 31, 2025, 2024 and 2023 | S-4 |
| Notes to Condensed Financial Information | S-5 |
| IIISupplementary Insurance Information as of and for the Years Ended December 31, 2025, 2024 and 2023 | S-7 |
| IVReinsurance for the Years Ended December 31, 2025, 2024 and 2023 | S-8 |
Schedules other than those listed above are omitted for the reason that they are not applicable or the information is otherwise contained in the Financial Statements.
INDEX TO EXHIBITS
| Exhibit No. | |
|---|---|
| 2.1 | Agreement and Plan of Merger among Everest Reinsurance Holdings, Inc., Everest Group, Ltd. and Everest Re Merger Corporation, incorporated herein by reference to Exhibit 2.1 to the Registration Statement on Form S-4 (No. 333-87361) |
| 3.1 | Memorandum of Association of Everest Group, Ltd., incorporated herein by reference to Exhibit 3.1 to the Registration Statement on Form S-4 (No. 333-87361) |
| 3.2 | Bye-laws of Everest Group, Ltd., as amended May 14, 2025 incorporated herein by reference to Exhibit 3.1 to Everest Group, Ltd. Form 10-Q filed on August 1, 2025 |
| 4.1 | Specimen Everest Group, Ltd. common share certificate, incorporated herein by reference to Exhibit 4.1 of the Registration Statement on Form S-4 (No. 333-87361) |
| 4.2 | Indenture, dated March 14, 2000, between Everest Reinsurance Holdings, Inc. and The Chase Manhattan Bank (now known as JPMorgan Chase Bank), as Trustee, incorporated herein by reference to Exhibit 4.1 to Everest Reinsurance Holdings, Inc. Form 8-K filed on March 15, 2000 |
| 4.3 | Fourth Supplemental Indenture relating to Holdings $400.0 million 4.868% Senior Notes due June 1, 2044, dated June 5, 2014, between Holdings and The Bank of New York Mellon, as Trustee, incorporated herein by reference to Exhibit 4.1 to Everest Reinsurance Holdings, Inc. Form 8-K filed on June 5, 2014 |
| 4.4 | Fifth Supplemental Indenture relating to Holdings $1.0 billion 3.5% Senior Notes due October 15, 2050, dated October 7, 2020, between Holdings and The Bank of New York Mellon, as Trustee, incorporated herein by reference to Exhibit 4.1 to Everest Reinsurance Holdings, Inc. Form 8-K filed on October 7, 2020 |
| 4.5 | Sixth Supplemental Indenture relating to Holdings $1.0 billion 3.125% Senior Notes due October 15, 2052, dated October 4, 2021, between Holdings and The Bank of New York Mellon, as Trustee, incorporated herein by reference to Exhibit 4.1 to Everest Reinsurance Holdings, Inc. Form 8-K filed on October 4, 2021 |
| 4.6 | Description of Registrant's Common Stock as incorporated herein by reference to Form 8-A filed with the Commission on March 8, 2000 under the Exchange Act |
| *10.1 | Everest Group, Ltd. Annual Incentive Plan effective January 1, 1999, incorporated herein by reference to Exhibit 10.1 to Everest Reinsurance Holdings, Inc. Annual Report on Form 10-K for the year ended December 31, 1998 (the “1998 10-K”) |
| *10.2 | Everest Group, Ltd. 2003 Non-Employee Director Equity Compensation Plan, incorporated herein by reference to Exhibit 4.1 to the Registration Statement on Form S-8 (No. 333-105483) |
| *10.3 | Form of Non-Qualified Stock Option Award Agreement under the Everest Group, Ltd. 2003 Non-Employee Director Equity Compensation Plan, incorporated herein by reference to Exhibit 10.47 to Everest Group, Ltd., Report on Form 10-K for the year ended December 31, 2004 |
| *10.4 | Amendment of Everest Group, Ltd. 2003 Non-Employee Director Equity Compensation Plan adopted by shareholders at the annual general meeting on May 25, 2005, incorporated herein by reference to Appendix B to the 2005 Proxy Statement filed on April 14, 2005 |
| *10.5 | Form of Restricted Stock Award Agreement under the Everest Group, Ltd. 2003 Non-Employee Director Equity Compensation Plan, incorporated by reference to Exhibit 10.1 to Everest Group, Ltd. Form 8-K filed on September 22, 2005 |
| 10.6 | Completion of Tender Offer relating to Everest Reinsurance Holdings, Inc. 6.60% Fixed to Floating Rate Long Term Subordinated Notes (LoTSSM) dated March 19, 2009, incorporated herein by reference to Exhibit 99.1 to Everest Group, Ltd. Form 8-K filed on March 31, 2009 |
| *10.7 | Everest Group, Ltd. 2009 Stock Option and Restricted Stock Plan for Non-Employee Directors, incorporated herein by reference to Exhibit 10.1 to Everest Group, Ltd. second quarter 2009 10-Q |
| *10.8 | Everest Group, Ltd. 2010 Stock Incentive Plan for employees is incorporated herein by reference to exhibit 10.2 to Everest Group, Ltd. Form S-8 filed on September 30, 2010 |
| *10.9 | Amendment of Executive Performance Annual Incentive Plan adopted by shareholders at the annual general meeting on May 18, 2011, incorporated herein by reference to Appendix B to the 2011 Proxy Statement filed on April 15, 2011 |
| *10.10 | Amendment of Everest Group, Ltd. 2010 Stock Incentive Plan adopted by shareholders at the annual general meeting on May 13, 2015, incorporated herein by reference to Appendix A to the 2015 Proxy Statement filed on April 10, 2015 |
| *10.11 | Amendment of Everest Group, Ltd. 2003 Non-Employee Director Equity Compensation Plan adopted by shareholders at the annual general meeting on May 13, 2015, incorporated herein by reference to Appendix B to the 2015 Proxy Statement filed on April 10, 2015 |
| *10.12 | Amendment of employment agreement between Everest Global Services, Inc. and Sanjoy Mukherjee, dated February 12, 2016, incorporated herein by reference to Exhibit 10.1 to Everest Group, Ltd. Form 8-K filed on February 17, 2016 |
| *10.13 | Employment agreement between Everest Global Services, Inc., and Sanjoy Mukherjee, dated January 3, 2017, incorporated herein by reference to Exhibit 10.1 to Everest Group, Ltd. Form 8-K filed on January 6, 2017 |
| 10.14 | Bye-Law waiver agreement between Everest Group, Ltd., and BlackRock, Inc. dated December 1, 2017, incorporated herein by reference to Exhibit 10.1 to the Everest Group, Ltd., Form 8-K filed on December 4, 2017 |
| 10.15 | Amendment of Standby Letter of Credit, dated December 29, 2017, between Everest Reinsurance (Bermuda), Ltd. and Citibank Europe plc providing $250.0 million four year credit facility, incorporated herein by reference to exhibit 10.26 to the Everest Group, Ltd., Form 10-K filed on March 1, 2018 |
| 10.16 | Amendment of Committed Facility Letter, dated December 10, 2018, between Everest Reinsurance (Bermuda), Ltd. and Citibank Europe plc providing $200.0 million annually, incorporated herein by reference to exhibit 10.34 to the Everest Group, Ltd., Form 10-K filed on March 1, 2019 |
| *10.17 | Employment agreement between Everest Group, Ltd. and Juan Andrade dated August 1, 2019, incorporated herein by reference to Exhibit 10.1 to Everest Group Ltd. Form 8-K filed on August 8, 2019. |
| 10.18 | Amendment of Committed Facility Letter, dated December 31, 2019, between Everest Reinsurance (Bermuda), Ltd. and Citibank Europe plc providing $200.0 million annually, incorporated herein by reference to Exhibit 10.31 to the Everest Group, Ltd. Form 10-K filed on March 2, 2020 |
| *10.19 | Everest Group, Ltd. 2020 Stock Incentive Plan for employees is incorporated herein by reference to Appendix A of the 2021 Proxy Statement filed on April 9, 2021 |
| *10.20 | Employment agreement between Everest Global Services, Inc. and Mark Kociancic, incorporated herein by reference to Exhibit 10.1 to Everest Group, Ltd. Form 8-K filed on October 1, 2020 |
| *10.21 | Employment agreement between Everest Global Services, Inc. and James Williamson, incorporated herein by reference to Exhibit 10.2 to Everest Group, Ltd. Form 8-K filed on October 1, 2020 |
| 10.22 | Amendment of Committed Facility Letter, dated December 9, 2020 between Everest Reinsurance (Bermuda), Ltd. and Citibank Europe plc providing $200.0 million annually, incorporated herein by reference to Exhibit 10.34 to Everest Group, Ltd. Form 10-K filed on March 1, 2021 |
| 10.23 | Credit facility agreement dated February 23, 3021 between Everest Reinsurance (Bermuda), Ltd. and Wells Fargo Bank, N.A. providing up to $50.0 million of committed credit facility, incorporated herein by reference to Exhibit 10.1 to Everest Group, Ltd. Form 10-Q filed on May 10, 2021 |
| 10.24 | Amendment of Credit Facility agreement, dated May 5, 2021 between Everest Reinsurance (Bermuda), Ltd. and Wells Fargo Bank, N.A. providing up to $500.0 million of committed credit facility, incorporated herein by reference to Exhibit 10.1 to Everest Group, Ltd. Form 10-Q filed on August 5, 2021 |
| 10.25 | Credit Facility agreement, dated August 9, 2021 between Everest Reinsurance (Bermuda), Ltd. and Citibank Europe plc providing up to $230.0 million committed credit facility and $140.0 million of additional uncommitted credit facility, incorporated herein by reference to Exhibit 10.1 to Everest Group, Ltd. Form 10-Q filed on November 4, 2021 |
| 10.26 | Credit Facility agreement, dated August 27, 2021 between Everest Reinsurance (Bermuda), Ltd. and Bayerische Landesbank providing up to $200.0 million of committed credit facility, incorporated herein by reference to Exhibit 10.2 to Everest Group, Ltd. Form 10-Q filed on November 4, 2021 |
| 10.27 | Credit Facility agreement, dated November 3, 2021 between Everest Reinsurance (Bermuda), Ltd. and Barclays Bank Plc providing up to $200.0 million of committed credit facility, incorporated herein by reference to Exhibit 10.40 to Everest Group, Ltd. Form 10-K filed on February 28, 2022 |
| 10.28 | Credit Facility agreement, dated November 21, 2022 between Everest Reinsurance (Bermuda), Ltd. and Nordea Bank ABP, New York Branch providing up to $200.0 million of committed credit facility and $100.0 million of additional uncommitted credit facility, incorporated herein by reference to Exhibit 10.41 to Everest Group, Ltd. Form 10-K filed on February 24, 2023 |
| 10.29 | Amendment of Credit Facility agreement, dated December 30, 2022, between Everest Reinsurance (Bermuda), Ltd. and Bayerische Landesbank, New York Branch, providing up to $150.0 million of committed, unsecured credit facility, incorporated herein by reference to Exhibit 10.42 to Everest Group, Ltd. Form 10-K filed on February 24, 2023 |
| 10.30 | Employment agreement between Everest Global Services, Inc. and Joseph V. Taranto, incorporated herein by reference to Exhibit 10.1 to Everest Group, Ltd. Form 10-Q filed on May 4, 2023 |
| *10.31 | Departure of Sanjoy Mukherjee, Executive Vice President, General Counsel and Secretary of Everest Group, Ltd. effective July 3, 2023, herein by reference to Exhibit 10.2 to Everest Group, Ltd. Form 10-Q filed on May 4, 2023 |
| 10.32 | Standby Letter of Credit, dated August 18, 2023 between Everest Reinsurance (Bermuda), Ltd. and Lloyd’s Bank Corporate Markets Plc providing up to $250.0 million of unsecured letters of credit, incorporated herein by reference to Exhibit 10.3 to Everest Group, Ltd. Form 10-Q filed on November 1, 2023 |
| 10.33 | Amended and restated standby letter of credit agreement between Everest Reinsurance (Bermuda), Ltd. and Lloyd’s Bank Corporate Markets Plc to add Everest Insurance (Ireland), dac (the new account party) as an account party with $15.0 million sublimit for the issuance of letters of credit, incorporated herein by reference to Exhibit 10.44 to Everest Group, Ltd. Form 10-K filed on February 28, 2024 |
| *10.34 | Employment agreement made effective as of June 12, 2023, between Everest Global Services, Inc. and Ricardo A. Anzaldua, incorporated herein by reference to Exhibit 10.45 to Everest Group, Ltd. Form 10-K filed on February 28, 2024 |
| *10.35 | Amendment to Employment Agreement between Everest Global Services, Inc., Everest Group, Ltd., Everest Reinsurance Holdings Inc. and Juan C. Andrade dated April 22, 2024, incorporated herein by reference to Exhibit 10.1 to Everest Group, Ltd. Form 10-Q filed on May 3, 2024 |
| *10.36 | Amended and Restated Employment Agreement between Everest Global Services, Inc. and Mark Kociancic dated April 25, 2024, incorporated herein by reference to Exhibit 10.2 to Everest Group, Ltd. Form 10-Q filed on May 3, 2024 |
| *10.37 | Amended and Restated Employment Agreement between Everest Global Services, Inc. and James Williamson dated April 26, 2024, incorporated herein by reference to Exhibit 10.3 to Everest Group, Ltd. Form 10-Q filed on May 3, 2024 |
| *10.38 | Amended and Restated Employment Agreement between Everest National Insurance Company and Michael Karmilowicz dated March 24, 2024, incorporated herein by reference to Exhibit 10.4 to Everest Group, Ltd. Form 10-Q filed on May 3, 2024 |
| *10.39 | Amended and Restated Employment Agreement between Everest Global Services, Inc. and Ricardo Anzaldua dated April 22, 2024, incorporated herein by reference to Exhibit 10.5 to Everest Group, Ltd. Form 10-Q filed on May 3, 2024 |
| *10.40 | Everest Reinsurance Group, Ltd. Senior Executive Change of Control Plan, as amended and restated effective November 17, 2015, incorporated herein by reference to Exhibit 10.6 to Everest Group, Ltd. Form 10-Q filed on May 3, 2024 |
| 10.41 | Amendment of Bilateral Letter of Credit Facility Agreement, dated June 2024, between Everest Reinsurance (Bermuda), Ltd. and Wells Fargo Bank N.A., incorporated herein by reference to Exhibit 10.5 to Everest Group, Ltd. Form 10-Q filed on August 2, 2024 |
| *10.42 | Letter Agreement between Everest Global Services, Inc. and James Williamson, dated January 13, 2025, incorporated herein by reference to Exhibit 10.1 of the Everest Group, Ltd. Form 8-K filed with the SEC on January 14, 2025. |
| 10.43 | Amendment of Credit Facility agreement, dated October 30, 2024 between Everest Reinsurance (Bermuda), Ltd. and Barclays Bank Plc, incorporated herein by reference to Exhibit 10.44 to Everest Group, Ltd. Form 10-K filed on February 27, 2025 |
| 10.44 | Standby Letter of Credit Facility Agreement, dated October 30, 2024 between Everest International Reinsurance, Ltd. and Lloyds Bank Plc, providing up to £113 million of unsecured letters of credit, incorporated herein by reference to Exhibit 10.45 to Everest Group, Ltd. Form 10-K filed on February 27, 2025 |
| 10.45 | Amendment of Credit Facility agreement, dated December 20, 2024, between Everest Reinsurance (Bermuda), Ltd. and Bayerische Landesbank, New York Branch, incorporated herein by reference to Exhibit 10.46 to Everest Group, Ltd. Form 10-K filed on February 27, 2025 |
| 10.46 | Standby Letter of Credit Facility Agreement, dated December 30, 2024 between Everest Reinsurance Company (Ireland), dac and Commerzbank AG, New York Branch providing up to €75 million of unsecured letters of credit, incorporated herein by reference to Exhibit 10.47 to Everest Group, Ltd. Form 10-K filed on February 27, 2025 |
| *10.47 | Employment agreement between Everest Global Services, Inc., Everest Group, Ltd. and James Williamson, dated March 26, 2025, incorporated herein by reference to Exhibit 10.1 of the Everest Group, Ltd. Form 8-K/A filed with the SEC on March 28, 2025 |
| 10.48 | Amendment to Bermuda Re Wells Fargo Bilateral Letter of Credit Facility, effective June 9, 2025, incorporated herein by reference to Exhibit 10.1 to Everest Group, Ltd. Form 10-Q filed on August 1, 2025 |
| 10.49 | Amendment to Bermuda Re Lloyd’s Bank Letter of Credit Facility, effective August 18, 2025, incorporated herein by reference to Exhibit 10.1 to Everest Group, Ltd. Form 10-Q filed on October 31, 2025 |
| 10.50 | Amendment of Standby Letter of Credit Facility, dated October 20, 2025 between Everest International Reinsurance Ltd. and Lloyds Bank Plc |
| 10.51 | Amendment of Committed Facility Letter, dated December 23, 2025, between Everest Reinsurance (Bermuda), Ltd. and Citibank Europe plc |
| *10.52 | Separation, Transition Services and General Release agreement between Everest Global Services, Inc. and Mark Kociancic, dated November 25, 2025 |
| *10.53 | Employment Agreement between Everest Global Services, Inc. and Elias Habayeb, dated October 22, 2025 |
| *10.54 | Employment Agreement between Everest Global Services, Inc. and Anthony Vidovich, dated September 25, 2025 |
| *10.55 | Employment Agreement Addendum between Everest Global Services, Inc. and Anthony Vidovich, dated November 11, 2025 |
| *10.56 | Employment Agreement between Everest Reinsurance Company and Jill Beggs, dated October 13, 2021 |
| 10.57 | Adverse Development Reinsurance Agreement, dated as of October 26, 2025, by and between Everest Reinsurance Company, Everest Reinsurance (Bermuda) Ltd. and State National Insurance Company, Inc., incorporated herein by reference to Exhibit 10.1 to Everest Group, Ltd. Form 8-K filed on October 27, 2025 |
| 10.58 | Adverse Development Reinsurance Agreement, dated as of October 26, 2025, by and between Everest Group, Ltd. Everest Reinsurance Company, Everest Reinsurance (Bermuda) Ltd. and MS Transverse Insurance Company, incorporated herein by reference to Exhibit 10.2 to Everest Group, Ltd. Form 8-K filed on October 27, 2025 |
| 10.59 | ROW Master Transaction Agreement, dated as of October 26, 2025, by and between Everest Group, Ltd. and American International Group, Inc. |
| 10.60 | EU Master Transaction Agreement, dated as of October 26, 2025, by and between Everest Group, Ltd. and American International Group, Inc. |
| *10.61 | Everest Group, Ltd. Director Compensation Policy |
| 14.1 | Ethics Guidelines and Index to Compliance Policies, incorporated herein by reference to Exhibit 14.1 to Everest Group, Ltd. Form 10-K filed on February 28, 2024 |
| 21.1 | Subsidiaries of the registrant, filed herewith |
| 23.1 | Consent of KPMG LLP, filed herewith |
| 23.2 | Consent of PricewaterhouseCoopers LLP, filed herewith |
| 31.1 | Section 302 Certification of James Williamson, filed herewith |
| 31.2 | Section 302 Certification of Mark Kociancic, filed herewith |
| 32.1 | Section 906 Certification of James Williamson and Mark Kociancic, furnished herewith |
| 97.1 | Everest Group, Ltd. Clawback Policy, incorporated herein by reference to Exhibit 97.1 to Everest Group, Ltd. Form 10-K filed on February 28, 2024 |
| 101.INS | XBRL Instance Document |
| 101.SCH | XBRL Taxonomy Extension Schema |
| 101.CAL | XBRL Taxonomy Extension Calculation Linkbase |
| 101.DEF | XBRL Taxonomy Extension Definition Linkbase |
| 101.LAB | XBRL Taxonomy Extension Label Linkbase |
| 101.PRE | XBRL Taxonomy Extension Presentation Linkbase |
| 104 | Cover Page Interactive Data File (embedded within the Inline XBRL document) |
The exhibits listed on the index above are filed as part of this report except that the certifications in Exhibit 32 are being furnished to the SEC, rather than filed with the SEC, as permitted under applicable SEC rules.
*Management contract or compensatory plan or arrangement.
SIGNATURES
Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized on February 26, 2026.
| EVEREST GROUP, LTD. | |
| By: | /S/ JAMES WILLIAMSON |
| James Williamson(President and Chief Executive Officer) |
Pursuant to the requirements of the Securities Exchange Act of 1934, this report has been signed below by the following persons on behalf of the registrant and in the capacities and on the dates indicated.
| Signature | Title | Date |
|---|---|---|
| /S/ JAMES WILLIAMSON | President and Chief Executive Officer(Principal Executive Officer) | February 26, 2026 |
| James Williamson | ||
| /S/ MARK KOCIANCIC | Executive Vice President and Chief Financial Officer | February 26, 2026 |
| Mark Kociancic | ||
| /S/ ROBERT J. FREILING | Senior Vice President and Chief Accounting Officer | February 26, 2026 |
| Robert J. Freiling | ||
| /S/ JOHN A. GRAF | Chairman | February 26, 2026 |
| John A. Graf | ||
| /S/ JOHN J. AMORE | Director | February 26, 2026 |
| John J. Amore | ||
| /S/ WILLIAM F. GALTNEY, JR. | Director | February 26, 2026 |
| William F. Galtney, Jr. | ||
| /S/ MERYL HARTZBAND | Director | February 26, 2026 |
| Meryl Hartzband | ||
| /S/ LAURA HAY | Director | February 26, 2026 |
| Laura Hay | ||
| /S/ JOHN HOWARD | Director | February 26, 2026 |
| John Howard | ||
| /S/ ALLAN LEVINE | Director | February 26, 2026 |
| Allan Levine | ||
| /S/ GERALDINE LOSQUADRO | Director | February 26, 2026 |
| Geraldine Losquadro | ||
| /S/ HAZEL McNEILAGE | Director | February 26, 2026 |
| Hazel McNeilage | ||
| /S/ DARRYL PAGE | Director | February 26, 2026 |
| Darryl Page | ||
| /S/ ROGER M. SINGER | Director | February 26, 2026 |
| Roger M. Singer | ||
INDEX TO CONSOLIDATED FINANCIAL STATEMENTS, NOTES AND SCHEDULES
| Pages | |
| Report of Independent Registered Public Accounting Firm (PCAOB FIRM ID 185, 238) | F-2 |
|---|---|
| Consolidated Financial Statements | |
| Consolidated Balance Sheets at December 31, 2025 and 2024 | F-6 |
| Consolidated Statements of Operations and Comprehensive Income (Loss) for the Years Ended December 31, 2025, 2024 and 2023 | F-7 |
| Consolidated Statements of Changes in Shareholders’ Equity for the Years Ended December 31, 2025, 2024 and 2023 | F-8 |
| Consolidated Statements of Cash Flows for the Years Ended December 31, 2025, 2024 and 2023 | F-9 |
| Notes to Consolidated Financial Statements | |
| 1. Summary of Significant Accounting Policies | F-10 |
| 2. Investments | F-17 |
| 3. Fair Value | F-24 |
| 4. Reserve for Losses and LAE | F-28 |
| 5. Reinsurance | F-39 |
| 6. Sale of Renewal Rights | F-39 |
| 7. Segment Reporting | F-40 |
| 8. Credit Facilities | F-42 |
| 9. Senior Notes | F-46 |
| 10. Long-Term Subordinated Notes | F-46 |
| 11. Collateralized Reinsurance, Trust Agreements and Other Restricted Assets | F-47 |
| 12. Commitments and Contingencies | F-48 |
| 13. Leases | F-49 |
| 14. Other Comprehensive Income (Loss) | F-50 |
| 15. Share-Based Compensation Plans | F-51 |
| 16. Employee Benefit Plans | F-53 |
| 17. Income Taxes | F-58 |
| 18. Dividend Restrictions and Statutory Financial Information | F-63 |
| 19. Subsequent Events | F-64 |
| Financial Statement Schedules | |
| ISummary of Investments Other Than Investments in Related Parties at December 31, 2025 | S-1 |
| IICondensed Financial Information of Registrant: | |
| Balance Sheets as of December 31, 2025 and 2024 | S-2 |
| Statements of Operations for the Years Ended December 31, 2025, 2024 and 2023 | S-3 |
| Statements of Cash Flows for the Years Ended December 31, 2025, 2024 and 2023 | S-4 |
| Notes to Condensed Financial Information | S-5 |
| IIISupplementary Insurance Information as of and for the Years Ended December 31, 2025, 2024 and 2023 | S-7 |
| IVReinsurance for the Years Ended December 31, 2025, 2024 and 2023 | S-8 |
Schedules other than those listed above are omitted for the reason that they are not applicable or the information is otherwise contained in the Financial Statements.
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.