Ultimate Parent: American Financial Group, Inc ANNUITY INVESTORS LIFE INSURANCE COMPANY. Cincinnati, Ohio

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1 Cincinnati, Ohio A Ultimate Parent: American Financial Group, Inc ANNUITY INVESTORS LIFE INSURANCE COMPANY Mail: P.O. Box 5423, Cincinnati, OH Web: Tel: Fax: AMB#: NAIC#: Ultimate Parent#: FEIN#: BEST S CREDIT RATING Best s Financial Strength Rating: A Best s Financial Size Category: XIV Outlook: Stable RATING RATIONALE Rating Rationale: The rating assignments of Great American Life Insurance Company (GALIC) have been extended to Annuity Investors Life Insurance Company (AILIC) based on its role as an integral subsidiary of GALIC and the support it receives as part of Great American Financial Resources, Inc. (GAFRI). AILIC is one of two companies selling GAFRI s core (annuity) product and is among the market leaders in 403(b) sales in addition to being the only subsidiary selling variable annuities. The rating assignments also reflect the company s consistent net operating earnings and growing risk-adjusted capital position. The following text is derived from A.M. Best s Credit Report on Great American Life Group (AMB# ). The rating assignments of the members of the Great American Life Group (Great American Group) reflect the group being among the market leaders in fixed-indexed annuity sales, its consistent net operating earnings and risk-adjusted capitalization, and its strategic value as a material contributor to the consolidated financial results of its 2015 A.M. Best Company, Oldwick, NJ Printed April 15, Page 1 of 8

2 parent, American Financial Group, Inc. (AFG). Offsetting rating factors include the group s concentrated business profile within the overall individual annuity market, premium declines within the retail and educational channels, and the group s exposure to real estate-related investments, in particular, residential and commercial mortgage-backed securities, relative to its peers. The Great American Group continues to be a market leader in fixedindexed annuity sales in the bank channel. Strong persistency of the group s two-tiered annuities and its fixed-indexed annuity sales have enabled the group to offset the ongoing decrease in 403(b) first-year premiums. The Great American Group has reported a significant increase in single premium fixed and fixed-indexed annuity products in recent years. Due to improved distribution from its bank channels and independent agents, as well as favorable spreads, the group has remained competitive in the pricing of its single premium annuity products. As a result, the Great American Group reported strong individual fixed and fixed-indexed annuity sales the past four years. Strong annuity sales have enabled the group to report consistent growth in net operating earnings. The sizable premium growth has also resulted in a significant increase in the group s assets under management, thus resulting in increasing net investment income, which has also contributed to the growth in earnings. The consistency in the group s net operating earnings has resulted in both Great American Life Insurance Company (GALIC) and Annuity Investors Life Insurance Company (AILIC) maintaining levels of risk-adjusted capitalization in excess of minimum levels necessary to support the ratings. However, A.M. Best remains concerned that ongoing spread compression could have a considerable impact on earnings, especially given the concentration of the organization s business profile. As its individual life and long-term care insurance lines of business continue to run off, the Great American Group is almost exclusively an annuity writer. With over nine-tenths of its reserves in annuities, the group is more dependent than ever on the pricing and profitability of its annuity products. A.M. Best notes that the members of the Great American Group have remained diligent in the pricing of annuity products since the onset of the low interest rate environment. The group has seen sizable premium growth in bank annuities, although new annuity premiums in the retail and educational (403(b)/457) channels continue to decline. While retail sales were down in 2014 due to aggressive pricing by some new entrants into the fixed traditional and indexed annuity marketplaces, the impact of 10-year Treasury rates, ongoing budgetary constraints and volatility of the labor market have had a direct impact on the level of new premiums for 403(b) plans. As a result, the Great American Group, primarily AILIC, continues to realize decreases in direct premiums. A.M. Best notes that bank channel sales within GALIC have been able to mostly offset the decline in premiums within its retail and educational marketplaces. While the overall investment portfolio contains a small percentage of mortgage loans, real estate and equities, it maintains a higher percentage of non-agency residential mortgagebacked securities (RMBS) and commercial mortgage-backed securities (CMBS) relative to peers. Although the levels of fixed maturity impairments and subprime mortgage downgrades have improved significantly relative to the height of the economic crisis, potential additional asset impairments could have a material impact on long-term capital growth. A.M. Best notes, however, that both companies within the group reported net realized capital gains prior to 2014, and that the amount of the net realized loss in 2014 was relatively small given the amount of invested assets and capitalization within the organization. A.M. Best believes the potential for positive rating actions for the members of Great American Group in the near to medium term would be limited to positive rating actions taken by A.M. Best on the core property/casualty operations of AFG. Factors that could lead to a negative rating action include a negative rating action taken by A.M. Best on the core property/casualty operations of AFG, significant and sustained spread compression as a result of the ongoing low interest rate environment, an increased concentration of non-agency RMBS and CMBS within the group s investment portfolio, or a material deterioration in risk-adjusted capitalization. KEY FINANCIAL INDICATORS ($000) Total Capital Capital Asset Net Net Surplus Valuation Premiums Invest Net Year Assets Funds Reserve Written Income Income ,440, ,012 1, , ,090 13, ,520, , , ,938 20, ,693, ,505 5, , ,302 29, ,892, ,243 7, , ,441 23, ,994, ,090 9, , ,409 27,589 (*) Data reflected within all tables of this report has been compiled from the companyfiled statutory statement A.M. Best Company, Oldwick, NJ Printed April 15, Page 2 of 8

3 BUSINESS PROFILE The following text is derived from A.M. Best s Credit Report on Great American Life Group (AMB# ). American Financial Group, Inc. (AFG), headquartered in Cincinnati, Ohio, is a publicly traded holding company that, through its insurance subsidiaries, primarily markets property and casualty insurance, focusing on specialized commercial products for businesses, in addition to sales of traditional fixed and fixed-indexed annuity products in the retail, financial institutions and education markets. The retail distribution channels is comprised of approximately sixty national marketing organizations (NMO) and marketing general agents (MGA) with over 1,200 actively producing agents. AFG also sells single premium annuities in financial institutions, also known as bank channels, through direct and indirect relationships with certain banks and through independent brokers and agents. Education market annuities are written directly by agents instead of NMOs or MGAs. AFG issues its annuity products through the subsidiaries within Great American Financial Resources, Inc. (GAFRI). GAFRI operates as a wholly owned subsidiary of AFG. The company was formed in 1992 as the vehicle for AFG to participate in the annuity market and to expand into life and supplemental health lines of business. Through its subsidiaries, GAFRI operates in two segments: annuities, along with the combination of run-off long-term care (LTC), and run-off life insurance products. Great American Group is the principal provider of premium and earnings within GAFRI. The Great American Group is comprised of Great American Life Insurance Company (GALIC), which has been wholly or majority owned by AFG since 1973, and its subsidiary, Annuity Investors Life Insurance Company (AILIC), which has been a wholly owned subsidiary of GALIC since GALIC, which is licensed in 49 states and the District of Columbia, primarily writes both qualified and non-qualified fixed and fixed-indexed annuity products. AILIC is licensed to sell annuity products in 48 states and the District of Columbia, marketing variable, fixed and fixed-indexed annuity products within the 403(b) and 457 markets. Manhattan National Life Insurance Company (Manhattan National) is also owned by GALIC. The company is licensed in 49 states and the District of Columbia to write life, annuity and supplemental health insurance products. Manhattan National services run-off blocks of in- dividual insurance, annuities and accident and health products today. Scope of Operations: The Great American Group had traditionally concentrated its activities on the sale of tax-sheltered annuities (TSAs) to employees of qualified not-for-profit institutions under section 403(b) of the Internal Revenue Code, primarily employees of primary and secondary schools (K-12). Flexible premium 403(b) products, which were once sold primarily through GALIC, are now sold mainly through AILIC. While flexible premiums continue to represent a material portion of the group s in-force business, the majority of new annuity sales are derived from single premium products. Single premium sales continue to represent over 90% of new fixed annuity premium, with GALIC writing virtually all of it. Variable annuity products, which have been de-emphasized, are still being offered through AILIC. However, variable products make up approximately 1% of the group s total statutory net premium. GALIC also has blocks of traditional, term and universal life insurance products that have been in run-off since 2004 in addition to its long-term care products, which have been 100% reinsured by United Teacher Associates (UTA), another subsidiary of AFG, since AILIC is the sole writer of variable annuity products as part of the annuity operations of AFG. Its products also include fixed and fixedindexed annuities. These products are sold primarily to employees of educational institutions. In 2011, the company has taken over for GALIC in focusing its marketing efforts in the 403(b) and 457 markets. Due to AILIC s penetration in the 403(b) and 457 markets, the group believes it remains a leading producer of 403(b) K-12 fixed and fixed-indexed annuity sales through independent agents. Overall, the Great American Group is consistently a top five provider of fixed-indexed annuities in the United States and ranked number one in fixed-indexed annuity sales through banks in Initiated in 2006, the company s bank market products contributed approximately $1.8 billion in net premium for the Great American Group in The growth in annuity sales in recent years has been attributable to growth within the bank channel due to new product enhancements and banking relationships. Individual single premium indexed annuities sold via independent agents have also contributed to Great American Group s significant premium growth over the years. However, intense pricing competition and lower interest rates has limited annuity growth via the retail channel in Territory: The company is licensed in the District of Columbia, AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, IA, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NH, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, WV, WI and WY A.M. Best Company, Oldwick, NJ Printed April 15, Page 3 of 8

4 Business Trends: Great American Group s direct premium had a moderate decline in 2014 compared to prior year. The sales growth within the financial institutions was not enough to offset the decrease in the retail and educational channels due to lower interest rates and increased competition. Sales of single premium annuities, primarily single premium fixed-indexed annuities, continue to maintain steady growth due to the success of income annuity riders and greater penetration within some of the financial institutions. GAFRI also has run-off blocks of life insurance and long-term care that contribute a modest amount of statutory premium. Despite the decrease in some of its blocks of business and distribution channels, GAFRI was still able to produce over $3.7 billion in statutory premium for OPERATING PERFORMANCE The following text is derived from A.M. Best s Credit Report on Great American Life Group (AMB# ). Operating Results: GAFRI, the intermediate holding company of the companies in the Great American Group, continues to generate strong operating profitability, driven largely by its lead operating company, GALIC. Fixed annuities, sold via bank and retail distribution channels, continue to comprise the majority of GAFRI s statutory pre-tax operating earnings. The organization s improved pre-tax operating earnings are attributable to the strong growth in its fixed-indexed annuity premiums. Statutory earned premiums have had considerable growth in recent years due primarily to the addition of new banks, broker dealers and other financial institutions, as well as the addition of new products and product features. In addition, GAFRI has been able to maintain fairly consistent spreads by adjusting its crediting rates and commissions, when applicable, while keeping its expense structure relatively flat. A.M. Best notes that net income has also benefited from the group s net realized capital gains on its investment portfolio in recent years. GAFRI s supplemental health insurance operations, which are primarily made up of Medicare supplemental insurance, were a significant contributor to earnings before A.M. Best notes that the organization s health products provided earnings diversification to GAFRI, representing over 10% of the company s 2011 and 2012 statutory pre-tax operating earnings. However, with the sale of its Medicare supplement and critical illness lines of business to Cigna in 2012, earnings from the supplemental health business segments declined substantially in Going forward, profitability within GAFRI s health division will be de- pendent upon the loss ratios of its long-term care business, which have historically been volatile. GAFRI s individual life business continues to shrink due to the line of business being in run-off mode. Life business comprised less than 1% of the company s 2014 pre-tax operating earnings and net premiums. A.M. Best expects to see this line of business continue to decline as GAFRI s life insurance policies fall off its books. Great American Group, which contributes virtually all of GAFRI s statutory earnings, has reported statutory operating earnings in each of the past five years primarily due to the growth in its individual annuity products. The growth in operating earnings has been attributable to higher earned premiums, favorable expense management and improved investment income due to the growth in its admitted assets from the significant sales increase of its annuity products. Recent expense initiatives, improved market conditions and strong annuity persistency have also contributed to the growth in statutory operating earnings. The increase in operating earnings for Great American Group s fixed annuity business has been partially offset by lower earnings in its variable and 403(b) annuity operations in addition to the run-off of its ordinary life business. Material net realized gains in 2012 and 2013 have also contributed to the growth within Great American Group s net income. A.M. Best notes that the favorable net realized results in 2012 and 2013 were mostly attributable to gains within the equity portfolio. Although there was a relatively small net realized loss within the group in 2014, the amount of that loss was immaterial compared to the realized losses that occurred during the economic crisis. Investment Results: Despite the ongoing low interest rate environment, net investment income within Great American Group s subsidiaries continues to grow. The increase in investment income has been attributable to the growth in invested assets. Additionally, net yields continue to be favorable due to the performance of its mortgage-backed securities. A.M. Best notes that the group s MBS exposure, when combined with the interest-sensitive annuity liabilities GAFRI has, exposes the group to interest rate risk. However, A.M. Best acknowledges that the company has been actively managing this exposure, particularly as it is faced with lower interest rates and volatile equity markets. Additionally, the cash flow and disintermediation risks associated with GALIC s and AILIC s annuity business are somewhat mitigated by the relatively stable liability characteristics associated with the company s tax-sheltered annuity operations, the two-tiered crediting structure of in-force business and the surrender charges imposed on the annuity products A.M. Best Company, Oldwick, NJ Printed April 15, Page 4 of 8

5 BALANCE SHEET STRENGTH The following text is derived from A.M. Best s Credit Report on Great American Life Group (AMB# ). Capitalization: Great American Group maintains a solid level of riskadjusted capital relative to its current ratings, as measured by Best s Capital Adequacy Ratio (BCAR). The capital demands of the company s primary product line are mitigated somewhat by the surrender protection inherent in the long-term nature of its annuity liabilities. Although Great American Group, primarily GALIC, has historically made sizable stockholder dividend payments to GAFRI, consistent with its overall capital management strategy, the group s capital and surplus has improved each of the past six years. Despite the dividend payments, as well as material realized losses in its investment portfolio in prior years, Great American Group s capital and surplus has grown significantly since The group has been able to grow its capital and surplus during that time driven primarily by higher operating earnings and contributions received from GAFRI including a $60 million capital contribution in This increasing trend in capital and surplus has continued into The sizable increase in Great American Group s statutory net income, partially offset by $200 million in dividends paid out during the year, has enabled the group s risk-adjusted capitalization to increase considerably. A.M. Best notes that further improvement in its risk-adjusted capital will not only be dependent upon its future operating earnings and investment performance, but also upon the amount of dividends paid annually to GAFRI. However, A.M. Best also notes that Great American Group s capital and surplus is evaluated by management on a monthly basis. Additionally, AFG and GAFRI have historically made contributions to the group when additional capital has been needed. The following text is derived from A.M. Best s Credit Report on Great American Life Group (AMB# ). Liquidity: Great American Group s liquidity position is acceptable for the medium-term nature of the majority of its liabilities. The group s investment portfolio exhibits favorable liquidity characteristics, given that the majority of its investment portfolio is made up of high quality, publicly traded bonds, in addition to maintaining a modest percentage of cash and short-term invested assets. Through AFG, GAFRI has the ability to access capital markets and the potential utilization of avail- able lines of credit to provide the insurance subsidiaries with additional sources of cash flow if needed. Additionally, GALIC is a member of the Federal Home Loan Bank (FHLB) which provides the company with another significant source of liquidity if needed. FHLB borrowings as of 12/31/14 were $440 million. The following text is derived from A.M. Best s Credit Report on Great American Life Group (AMB# ). Investments: GAFRI accounts for approximately three-quarters of AFG s total investment portfolio. Great American Group, in turn, accounts for over 90% of GAFRI s invested assets. Great American Group s investment portfolio consists primarily of investment grade, fixed income investments, which are mostly corporate fixed income securities, but also includes municipals, commercial mortgagebacked securities (CMBS) and residential mortgage-backed securities (RMBS). In 2014, CMBS and RMBS represented roughly one-quarter of GAFRI s fixed maturity portfolio. The organization s mortgagebacked securities (MBS) portfolio is of high quality, which is evidenced by the fact that the vast majority are rated either NAIC 1 or 2. A.M. Best notes that GAFRI invests almost exclusively in senior tranches of MBSs that were AAA-rated at issuance. The organization s exposure to subprime and Alt-A securities decreased to less than 6% of the total investment portfolio in This is a slight decline compared to prior years and was due to GAFRI investing more free cash flows into corporates, municipals and financial sector bonds in addition to a modest percentage of subprime RMBS falling of its books. Approximately 98% of the Great American Group s bonds are publicly traded, including freely tradable under SEC Rule 144 and 144(a); 97% of these are rated either NAIC 1 or 2. These fixed income investments are generally securities with maturities between five and ten years, matching the duration of the group s liabilities. At yearend 2014, privately held bonds (excluding SEC Rules144 and 144(a) bonds that are freely traded) represented approximately 2% of the bond portfolio. The remainder of Great American Group s investment portfolio is comprised of a nominal exposure to equities, policy loans, cash and short-term securities and direct real estate-related assets, with real estate and mortgage loans representing approximately 4% of the group s total invested assets. Consistent with the rest of the financial services industry, Great American Group s investment portfolio experienced sizable unrealized investment losses during the economic crisis. In 2014, the group 2015 A.M. Best Company, Oldwick, NJ Printed April 15, Page 5 of 8

6 maintained a material statutory net unrealized gain on its investment portfolio of approximately $1.4 billion. In addition to improvements in its net unrealized gain/loss position, the Great American Group reported net realized statutory gains two of the past three years. The gains have been partially attributable to gains on the sale of some of its common stock holdings. MANAGEMENT Officers: President and Chief Executive Officer, S. Craig Lindner; Executive Vice President, Secretary and Chief Operating Officer, Mark F. Muething; Executive Vice President, Treasurer and Chief Financial Officer, Christopher P. Miliano; Senior Vice President, General Counsel and Chief Compliance Officer, John P. Gruber; Senior Vice President, Adrienne S. Kessling; Vice Presidents, Michael H. Haney, Rebecca J. Schriml, Brian P. Sponaugle; Appointed Actuary, Eugene M. Breen. Directors: Jeffrey G. Hester, S. Craig Lindner, Christopher P. Miliano, Mark F. Muething, Michael J. Prager. Balance Sheet Assets ($000) 12/31/2014 Total bonds $2,205,968 Total common stocks ,395 Contract loans ,396 Cash & short-term invest ,898 Accrued invest income ,684 Other assets ,530 Tot assets w/o sep accts ,332,872 Separate account bus ,887 Assets $2,994,759 Liabilities ($000) Net policy reserves $2,054,517 Policy claims ,203 Deposit type contracts ,207 Interest maint reserve ,072 Comm taxes expenses ,023 Asset val reserve ,339 Other liabilities Tot liab w/o sep accts ,105,781 Separate account bus ,887 Total Liabilities $2,767,669 Common stock ,500 Paid in & contrib surpl ,550 Unassigned surplus ,040 Total $2,994, A.M. Best Company, Oldwick, NJ Printed April 15, Page 6 of 8

7 ANNUITY INVESTORS LIFE INSURANCE COMPANY Total Admitted Assets Years PROOF in billions of dollars FINANCIAL SUMMARY ($000) as of 12/31/2014 Capital & Surplus $ 227,090 Net Premiums Written $ 229,217 Assets $ 2,994,759 Total Life Insurance Issued $ Total Life Insurance In Force $ 2015 A.M. Best Company, Oldwick, NJ Printed April 15, Page 7 of 8

8 Why is this Best s Rating Report important to you? A Best s Rating Report from the A.M. Best Company showcases the opinion from the leading provider of insurer ratings of a company s financial strength and ability to meet its obligations to policyholders, as well as its relative credit risk. The A.M. Best Company is the oldest, most experienced rating agency in the world and has been reporting on the financial condition of the insurance companies since A Best s Financial Strength Rating is an independent opinion of an insurer s financial strength and ability to meet its ongoing insurance policy and contract obligations. The Financial Strength Rating opinion addresses the relative ability of an insurer to meet its ongoing insurance policy and contract obligations. The rating is not assigned to specific insurance policies or contracts and does not address any other risk, including, but not limited to, an insurer s claims-payment policies or procedures; the ability of the insurer to dispute or deny claims payment on grounds of misrepresentation or fraud; or any specific liability contractually borne by the policy or contract holder. The rating is not a recommendation to purchase, hold or terminate any insurance policy, contract or any other financial obligation issued by an insurer, nor does it address the suitability of any particular policy or contract for a specific purpose or purchaser. In arriving at a rating decision, A.M. Best relies on third-party audited financial data and/or other information provided to it. While this information is believed to be reliable, A.M. Best does not independently verify the accuracy or reliability of the information. The company information appearing in this pamphlet is an extract from the complete company report prepared by the A.M. Best Company or A.M. Best Europe Rating Services Limited. For the latest Best s Financial Strength Ratings along with their definitions and A.M. Best s Terms of Use, visit the A.M. Best website at You may also obtain AMB Credit Reports by visiting our site or calling our Customer Service department at , ext To expedite your request, please provide the company s identification number (AMB#) A.M. Best Company, Oldwick, NJ Printed April 15, Page 8 of 8

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