怡安保险 2025年季度报告

OR ACT OF 1934 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2)has been subject to suchfiling requirements for the past 90 days.Yes☒No☐ submit such files).Yes☒No☐ growth company” in Rule12b-2 of the Exchange Act.Large accelerated filer☒Accelerated filerNon-accelerated filer☐Smaller reporting company Indicate by check mark whether the registrant is a shell company (as defined in Rule12b-2 of the Exchange Act).Yes☐No☒Number of classA ordinary shares of Aon plc, $0.01 nominal value, outstanding as of July24, 2025:215,626,597 “Exchange Act”). Forward-looking statements represent management’s expectations or forecasts of future events. These statements includestatements about our plans, objectives, strategies, financial performance and outlook, trends, prospects or other future events and involve known and unknown risks that are difficult to predict. Forward-looking statements are typically identified by words such as “anticipate,”“believe,” “estimate,” “expect,” “forecast,” “project,” “positioned,” “intend,” “plan,” “probably,” “potential,” “looking forward,” “continue,”and other similar terms, and future or conditional tense verbs like “could,” “may,” “might,” “should,” “will,” and “would.” You can alsoidentify forward-looking statements by the fact that they do not relate strictly to historical or current facts. For example, we may use forward-looking statements when addressing topics such as: market and industry conditions, including competitive and pricing trends; changes in ourbusiness strategies and methods of generating revenue; the development and performance of our services and products; changes in thecomposition or level of our revenues; our cost structure and the outcome of cost-saving or restructuring initiatives, including the impacts of theAccelerating Aon United Program; the outcome of contingencies; dividend policy; the expected impact of acquisitions, dispositions, and othersignificant transactions or the termination thereof; litigation and regulatory matters; pension obligations; cash flow and liquidity; expectedeffective tax rate; expected foreign currency translation impacts; potential changes in laws or future actions by regulators; and the impact ofchanges in accounting rules. These forward-looking statements are subject to certain risks and uncertainties that could cause actual results todiffer materially from either historical or anticipated results depending on a variety of factors. Potential factors, which may be revised orsupplemented in subsequent reports filed or furnished with the Securities and Exchange Commission, that could impact results include:•changes in the competitive environment, due to macroeconomic conditions or otherwise, or damage to our reputation; the United States, the United Kingdom, or other countries of the Organization for Economic Co-operation and Development taxproposals or other pending proposals in those and other countries, which could create volatility in that tax rate; •changes in our accounting estimates and assumptions on our financial statements; •the impact of legal proceedings and other contingencies, including those arising from acquisition or disposition transactions, errors and omissions and other claims against us (including proceedings and contingencies relating to transactions for which capital was arrangedby Vesttoo Ltd. or related to actions we may take in being responsible for making decisions on behalf of clients in our investment •the impact of, and potential challenges in complying with, laws and regulations of the jurisdictions in which we operate, particularlygiven the global nature of our operations and the possibility of differing or conflicting laws and regulations, or the application or interpretation thereof, across such jurisdictions; •the impact of any regulatory investigations brought in Ireland, the United Kingdom, the United States, and other countries;•failure to protect intellectual property rights or allegations that we have infringed on the intellectual property rights of others; 3 •the effects of natural or human-caused disasters, including the effects of health pandemics and the impacts of climate-related events;•any system or network disruption or breach resulting in operational interruption or improper disclosure of confidential, personal, or •our ability to develop, implement, update, and enhance new technology; •our ability to continue, and the costs and risks associated with growing, developing and integrating acquired business, and entering •our ability to secure regulatory approval and complete transactions, and the costs and risks associated with the failure to consummate •our ability to develop and implement innovative growth strategies and initiatives intended to yield cost savings (including theAccelerating Aon United Program) and the ability to achieve such growth or cost savings; •the effects of Irish law on