安信龙保险 2024年度报告

About Assurant ADJUSTED EBITDA1 excluding reportable catastrophes(in millions) Assurant is a premier global protection companythat partners with the world’s leading brands tosafeguard and service connected devices, homes, andDXWRPRELOHV. AV D )RUWXQH  FRPSDQ\ RSHUDWLQJbLQ2bFRXQWULHV, AVVXUDQW OHYHUDJHV GDWDGULYHQ WHFKQRORJ\solutions to provide exceptional customer experiences. We operate in North America, Latin America, Europe,DQG AVLD 3DFLȴF WKURXJK WZR RSHUDWLQJ VHJPHQWVGlobal Lifestyle and Global Housing. Through ourGlobal Lifestyle segment, we provide mobile devicesolutions, extended service contracts and relatedservices for consumer electronics and appliances, andFUHGLWbDQG RWKHU LQVXUDQFH SURGXFWV UHIHUUHG WR DV“Connected Living”); and vehicle protection services,commercial equipment services, and other relatedVHUYLFHV UHIHUUHG WR DV Ȋ*OREDO AXWRPRWLYHȋ . TKURXJKRXU *OREDO +RXVLQJ VHJPHQW, ZH SURYLGH OHQGHUSODFHG KRPHRZQHUV, PDQXIDFWXUHG KRXVLQJ, DQG ȵRRGinsurance, as well as voluntary manufactured housing,FRQGRPLQLXP, DQG KRPHRZQHUV LQVXUDQFH UHIHUUHGto as “Homeowners”); and renters insurance and otherSURGXFWV UHIHUUHG WR DV ȊRHQWHUV DQG 2WKHUȋ . ADJUSTED EPS1 excluding reportable catastrophes TKLV AQQXDO RHSRUW FRQWDLQV IRUZDUGORRNLQJ VWDWHPHQWV ZLWKLQ WKH PHDQLQJ RI WKH U.S. 3ULYDWH SHFXULWLHV /LWLJDWLRQ RHIRUP AFW RI . 3OHDVH VHH Ȋ)RUZDUG/RRNLQJ SWDWHPHQWVȋ RQ SDJH  RI WKH )RUP . LQFOXGHG LQ WKLV AQQXDO RHSRUW. 1TKHVH PHDVXUHV DUH QRQ*AA3 ȴQDQFLDO PHDVXUHV. SHH NRQ*AA3 )LQDQFLDO 0HDVXUHV EHJLQQLQJ RQ SDJH  RI WKLV AQQXDO RHSRUW IRU PRUH LQIRUPDWLRQ RQWKHVH QRQ*AA3 ȴQDQFLDO PHDVXUHV DQG D UHFRQFLOLDWLRQ RI VXFK PHDVXUHV WR WKHLU PRVW GLUHFWO\ FRPSDUDEOH *AA3 PHDVXUH. A Messageto Our Shareholders “At Assurant, weare united by ourshared purpose,grounded byour values, andpropelled by ourcommitment topassionately serveour customers.” Assurant’s continued outperformance andbusiness momentum in 2024 is testamentto the power of our differentiated businessmodel and tremendously talented and high-performing teams consistently deliveringbest-in-class services, innovative solutions,and an exceptional customer experience. I’m proud to share that 2024 extended our track record of impressiveperformance and generated significant commercial success acrossAssurant. It also marks our eighth consecutive year of profitablegrowth. We successfully delivered on our growth strategy by drivingcontinued outperformance within Global Housing, leveraging ourexpertise and scale across specialty housing business lines. Across ourGlobal Housing and Global Lifestyle businesses, we renewed significant,multi-year client contracts, and secured new business with industryleaders to position us for sustained growth in the years ahead. Our consistent growth is testament to our incredible talent, the value ofthe products and services we deliver to our clients and their customers,and the quality of our customer experience. With momentum at an all-time high, Assurant continued to exceed expectations, reinforcing ourposition as a market leader and preferred partner, and maintaining ourtrack record of financial excellence for our shareholders. :KDW 'L΍HUHQWLDWHV AVVXUDQW We believe in the power of Assurant’s unique business-to-business-to-consumer (B2B2C) business model and the value of our productsand services for our clients and their end-customers. Our portfoliobenefits from earnings and capital diversification across geographiesand business lines, enabling resiliency through various macroeconomicenvironments and positioning us for ongoing growth. We build andmaintain deep partnerships with the world’s leading brands, deliveringlong-term growth opportunities alongside market leaders. KEITH DEMMINGSPresident &CKLHIb([HFXWLYH 2ɝFHU Assurant has significant scale in attractive and specialized markets. Wehave built a history of excellent risk management, long-tenured clientrelationships, and strong public company financials and ethics, elevatingour standing with market leaders. Our decades of investments andinnovation allow our services to complement our protection and 22 ANNUA/ R(32RT1 specialty insurance products, creating unique,hard-to-replicate solutions. And, our technologyplatforms are embedded with our clients’systems and processes to create exceptionalcustomer experiences. 2XU 3HRSOH The foundation of Assurant’s success is our morethan 14,000 dedicated employees, representingmore than 80 nationalities, with a presence in21 markets across North America, Latin America,Europe, and Asia Pacific. A premier global protectioncompany, we partner with the world’s leadingbrands to safeguard and service connected devices,homes, and automobiles. Our workforce is inspiredby a shared purpose, grounded by our values, andpropelled by our commitment to passionately servemore than 300 million global customers. Significant new client wins and key partnershiprenewals reflect the benefits of our business model,