ATLANTIC AMERICAN CORP
For the period ended Dec 31, 2025. Filed Oct 16, 2026.
View on SEC.govAbout this filing
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 Oct 16, 2026
AAME$1.13+1.8%Stored close · as of Nov 9, 2026
Extracted filing text, with the paragraph anchors used by the comparison.
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Table of Contents
| Page | ||
|---|---|---|
| Explanatory Note | 1 | |
| PART I | Forward-Looking Statements | 2 |
| Item 1. | Business | 3 |
| The Company | 3 | |
| Marketing | 4 | |
| Underwriting | 5 | |
| Policyholder and Claims Services | 6 | |
| Reserves | 6 | |
| Reinsurance | 7 | |
| Competition | 8 | |
| Ratings | 8 | |
| Regulation | 9 | |
| NAIC Ratios | 9 | |
| Risk-Based Capital | 10 | |
| Investments | 10 | |
| Human Capital | 11 | |
| Financial Information by Industry Segment | 11 | |
| Available Information | 11 | |
| Executive Officers of the Registrant | 12 | |
| Item 1A. | Risk Factors | 12 |
| Item 1B. | Unresolved Staff Comments | 12 |
| Item 1C. | Cybersecurity | 12 |
| Item 2. | Properties | 13 |
| Item 3. | Legal Proceedings | 13 |
| Item 4. | Mine Safety Disclosures | 14 |
| PART II | ||
| Item 5. | Market for Registrant’s Common Equity, Related Shareholder Matters and Issuer Purchases of Equity Securities | 14 |
| Item 6. | Reserved | 14 |
| Item 7. | Management’s Discussion and Analysis of Financial Condition and Results of Operations | 14 |
| Item 7A. | Quantitative and Qualitative Disclosures About Market Risk | 24 |
| Item 8. | Financial Statements and Supplementary Data | 25 |
| Item 9. | Changes in and Disagreements with Accountants on Accounting and Financial Disclosure | 75 |
| Item 9A. | Controls and Procedures | 75 |
| Item 9B. | Other Information | 76 |
| Item 9C. | Disclosure Regarding Foreign Jurisdictions that Prevent Inspections | 76 |
| PART III | ||
| Item 10. | Directors, Executive Officers and Corporate Governance | 77 |
| Item 11. | Executive Compensation | 81 |
| Item 12. | Security Ownership of Certain Beneficial Owners and Management and Related Shareholder Matters | 82 |
| Item 13. | Certain Relationships and Related Transactions, and Director Independence | 83 |
| Item 14. | Principal Accountant Fees and Services | 84 |
| PART IV | ||
| Item 15. | Exhibits and Financial Statement Schedules | 85 |
| Signatures | 87 | |
| Schedule II | 88 | |
| Schedule III | 91 | |
| Schedule IV | 93 | |
| Schedule VI | 94 | |
The text of this filing, as the company filed it with the SEC, without its images or exhibits. This is not investment advice.