• The highest premium bonus opportunity in North American history
• Stronger guaranteed income with Income Pay Pro
• Increased rates across key accumulation products
• New ways to reconnect with clients this summer

Tune in for:

• Value-add materials you can use to spark stronger client conversations
• Using foreign language resources to reach more communities
• Positioning FIAs confidently in today’s market

Tune in for:

• A breakdown of the latest Fiduciary Rule
• What it means for financial professionals, including form and process changes
• How North American is supporting independent distribution, and what’s ahead
• The latest NAIC updates, including illustrations and model changes
• Other key issues to watch, from SEC activity to state regulations

He shares how the effort began, why it is a strategic priority now and for the future, and how it helps agents build stronger connections within the communities they serve.

You’ll hear more about:

• How the Spanish-language materials initiative came to fruition
• Why these offerings matter from both an agent and client perspective
• Where we’re headed next as we continue expanding our language initiatives

In recognition of Women’s History Month, we also highlight the growing influence of women in the marketplace and the evolving conversation around women and wealth across our industry.

In this episode, we’ll highlight:

• What a growth mindset is and how it differs from a fixed mindset
• Real examples of individuals and brands that have embraced growth to elevate their success
• Practical ways leaders and teams can cultivate a culture of growth
• A performance principle used by Olympians to achieve big goals

• A forward-looking annuity outlook as we head into the new year
• Standout product highlights, including NAC Guaranteed AllocationSM and NAC Control XSM
• Powerful marketing resources, such as NACcelerate and the Financial Home Makeover magazine
• And much more!

• Opportunity markets like women and wealth
• Comprehensive training to build confidence and communication skills
• Tailored marketing and professional partnerships to better serve communities
• How licensing evolution and mentorship are supporting new agents

• Real-world lessons from AI implementation
• Navigating the responsible use of digital tools
• The evolving skill sets required in a tech-driven environment
• Strategies to help you stay ahead 

• Helping clients navigate taxes, expenses, and asset allocation
• Explaining the concept of Balanced Accumulation
• Leveraging FIAs to provide growth potential, protection, and stability
• Using client-ready tools to share the story with ease

• What great service truly looks like, and the pitfalls to avoid
• Why staying vigilant against fraud is more critical now than ever before
• What you absolutely must know about best interest regulations

Don’t miss this engaging and practical discussion that blends real-world experience with expert compliance and legal perspectives. Tune in and walk away sharper and more informed.

• Dr. Barb’s career journey and the experiences that shaped her mission
• The story behind Purse Strings and how it empowers financial professionals
• Why building strong relationships with female clients is essential for long-term success

• Guaranteed rates
• Seamless, turnkey diversification with four pre-built Model Blend allocations, simplifying the allocation process and optimizing performance for clients
• Strong growth potential to help clients achieve their long-term financial goals

Don’t miss this opportunity to learn how the NAC Guaranteed Allocation FIA can elevate your client strategies and set you apart.

• Our record-breaking last year
 • The strength of North American’s diverse product portfolio
 • The transformative impact of employee ownership
 • And so much more!

Don’t miss this inspiring look at what makes North American a leader in the industry.

• All of the North American Charter® Plus enhancements and changes
• NAC Control. XSM immediate one-time 10% income base bonus1
• How North American+ has evolved
• Partial Roth conversions
• And much more!

• What does 2024 look like for North American
• What our agents can anticipate for product innovation/direction in 2024
• Why our A+ ratings are so important to our agents and their clients

• What sets NAC Control. X fixed index annuity (FIA) apart from the competition
• How Goldman Sachs Equity TimeX Index benefits our top accumulation and income products
• How our ease of business tools are helping agents with their book of business

Insurance products issued by North American Company for Life and Health Insurance®, West Des Moines, Iowa. Product and features/options may not be available in all states or appropriate for all clients. See product materials and state availability chart for further details, specific features/options, and limitations by product and state.

Advisor is used in this presentation in replace of a Financial Professional who sells annuities and or life insurance.

Apple Inc., and Spotify are independent third-party companies and are not affiliated with North American Company for Life and Health Insurance. The Company does not endorse or promote any one platform: you should consider those that best support your business model and technology resources.

Fixed index annuities are not a direct investment in the stock market. They are long term insurance products with guarantees backed by the issuing company. They provide the potential for interest to be credited based in part on the performance of specific indices, without the risk of loss of premium due to market downturns or fluctuation. Although fixed index annuities guarantee no loss of premium due to market downturns, deductions from the accumulation value for optional benefit riders or strategy fees or charges associated with allocations to enhanced crediting methods could exceed interest credited to the accumulation value, which would result in loss of premium. They may not be appropriate for all clients. Interest credits to a fixed index annuity will not mirror the actual performance of the relevant index. Sammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member companies, including North American Company for Life and Health Insurance®.  Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, North American Company for Life and Health Insurance. 

1. Product features, riders and index options may not be available in all states or on all products.

Intellectual property and market data have been licensed to Goldman Sachs & Co. (“Goldman Sachs”) for use in the determining, composing and calculating the Goldman Sachs Equity TimeX Index (the “Index”), and such Index is licensed to North American Company for Life and Health Insurance® (the “Company”) for use in fixed indexed annuities (“Annuity Products”). THE COMPANY’S ANNUITY PRODUCTS ARE NOT SPONSORED, ENDORSED, RECOMMENDED, PROMOTED OR SOLD BY GOLDMAN SACHS OR ANY OF ITS AFFILIATES (INCLUDING GOLDMAN SACHS ASSET MANAGEMENT, L.P.) WITH THE EXCEPTION OF ANY ENDORESEMENT, SALES, DISTRIBUTION OR PROMOTION OF THE ANNUITY PRODUCT THAT MAY OCCUR THROUGH ITS AFFILIATES THAT ARE LICENSED INSURANCE AGENCIES (EXCLUDING SUCH AFFILIATES, INDIVIDUALLY AND COLLECTIVELY, “GOLDMAN SACHS”) OR BY ANY THIRD-PARTY PROVIDER OF MARKET DATA. GOLDMAN SACHS AND ITS AFFILIATES, AND ANY THIRD-PARTY DATA PROVIDER DISCLAIM TO THE FULL EXTENT LEGALLY PERMITTED ALL REPRESENTATIONS, THIRD-PARTY-BENEFICIARY OBLIGATIONS, AND WARRANTIES REGARDING THE INDEX OR THE INVESTMENT STRATEGY UNDERLYING THE INDEX OR FIXED INDEXED ANNUITIES BASED ON THE INDEX, INCLUDING CONCERNING WARRANTY, ADVISABILITY, SUITABILITY, AND DATA AND METHODOLOGY ACCURACY AND ERRORS. NEITHER THE INDEX NOR ANY OF THE ASSETS COMPRISING IT ARE GUARANTEED TO YIELD SPECIFIC RESULTS. There are no third-party beneficiaries of any agreements between third-party providers and Goldman Sachs. Visit goldmansachsindices.com/GSEQTMX for complete disclosure.

North American Charter® base contract form NA1007A/ICC16-NA1007A.MVA, NAC VersaChoice ℠  base contract form 10NA1012A/ICC17-NA1012A.MVA, Performance Choice® 8 base contract form NA1007A/ICC16-NA1007A.MVA, Income Pay Pro ℠ base contract form NA1012A/ICC17-NA1012A.MVA, NAC BenefitSolutions® 10 base form contract NA1006A/ICC14-NA1006A or appropriate state variation are issued by North American Company for Life and Health Insurance® West Des Moines, IA. This product, its features and riders may not be available in all states.

Insurance products issued by North American Company for Life and Health Insurance®, West Des Moines, Iowa. Product and features/options may not be available in all states or appropriate for all clients. See product materials and state availability chart for further details, specific features/options, and limitations by product and state.

Apple Inc., and Spotify

Sammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member companies, including North American Company for Life and Health Insurance®.  Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, North American Company for Life and Health Insurance.

Neither North American Company for Life and Health Insurance®, nor any financial professionals acting on its behalf, should be viewed as providing legal, tax or investment advice. Your client should be advised to rely on their own qualified tax professional.

This Sammons Financial research study was conducted in two phases between November 2022 and January 2023. Phase 1 consisted of in-depth phone interviews among 20 top producing agents. Phase 2 was an online survey exercise comprised of 309 life insurance and annuity agents, both sampled from the general insurance market and Sammons Financial member company agents. Analysis is for educational purposes only. The experience of the participants of the 2023 Sammons Financial Research Study may not be representative of the experience of all. Be sure to follow all applicable advertising guidelines. Agents interviewed sell more than annuities/life insurance and statements provided may not apply directly to the sale of these products.

Advisor is used in this presentation in replace of a Financial Professional who sells annuities and or life insurance.

All survey responses were submitted anonymously with permission to use in advertising. The opinions are their own and not necessarily those of North American Company.

The opinions and ideas expressed by the agents surveyed do not reflect the views and opinions of North American Company. Their testimonials are not indicative of future performance or success and may not be representative of the experience of other clients or agents. The agents are independently contracted with North American Company and receive commissions on the sales of North American insurance products. They were not compensated for their endorsement.

As independent financial professionals, it is up to you to choose whether any of the sales concepts contained in these materials might be appropriate for use with your particular sales strategy and clients.  Please note that North American does not require you to use any of these sales concepts; they are resources that can be used at your discretion for your own individualized sales presentations if appropriate for the particular client and circumstances.

Apple Inc., and Spotify are independent third-party companies and are not affiliated with North American Company for Life and Health Insurance. The Company does not endorse or promote any one platform: you should consider those that best support your business model and technology resources.

Sammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member companies, including North American Company for Life and Health Insurance®.  Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, North American Company for Life and Health Insurance.
Fixed index annuities are not a direct investment in the stock market. They are long term insurance products with guarantees backed by the issuing company. They provide the potential for interest to be credited based in part on the performance of specific indices, without the risk of loss of premium due to market downturns or fluctuation. Although fixed index annuities guarantee no loss of premium due to market downturns, deductions from the accumulation value for optional benefit riders or strategy fees or charges associated with allocations to enhanced crediting methods  could exceed interest credited to the accumulation value, which would result in loss of premium. They may not be appropriate for all clients. Interest credits to a fixed index annuity will not mirror the actual performance of the relevant index.Sammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member companies, including North American Company for Life and Health Insurance®.  Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, North American Company for Life and Health Insurance. 

1.       Source: Plante Moran blog – September 11, 2023

Insurance products issued by North American Company for Life and Health Insurance®, West Des Moines, Iowa. Product and features/options may not be available in all states or appropriate for all clients. See product materials and state availability chart for further details, specific features/options, and limitations by product and state.

Apple Inc., and Spotify are independent third-party companies and are not affiliated with North American Company for Life and Health Insurance. The Company does not endorse or promote any one platform: you should consider those that best support your business model and technology resources.

Sammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member companies, including North American Company for Life and Health Insurance®.  Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, North American Company for Life and Health Insurance.

Neither North American Company for Life and Health Insurance®, nor any financial professionals acting on its behalf, should be viewed as providing legal, tax or investment advice. Your client should be advised to rely on their own qualified tax professional.

This Sammons Financial research study was conducted in two phases between November 2022 and January 2023. Phase 1 consisted of in-depth phone interviews among 20 top producing agents. Phase 2 was an online survey exercise comprised of 309 life insurance and annuity agents, both sampled from the general insurance market and Sammons Financial member company agents. Analysis is for educational purposes only. The experience of the participants of the 2023 Sammons Financial Research Study may not be representative of the experience of all. Be sure to follow all applicable advertising guidelines. Agents interviewed sell more than annuities/life insurance and statements provided may not apply directly to the sale of these products.

Advisor is used in this presentation in replace of a Financial Professional who sells annuities and or life insurance.

All survey responses were submitted anonymously with permission to use in advertising. The opinions are their own and not necessarily those of North American Company.

The opinions and ideas expressed by the agents surveyed do not reflect the views and opinions of North American Company. Their testimonials are not indicative of future performance or success and may not be representative of the experience of other clients or agents. The agents are independently contracted with North American Company and receive commissions on the sales of North American insurance products. They were not compensated for their endorsement.

As independent financial professionals, it is up to you to choose whether any of the sales concepts contained in these materials might be appropriate for use with your particular sales strategy and clients.  Please note that North American does not require you to use any of these sales concepts; they are resources that can be used at your discretion for your own individualized sales presentations if appropriate for the particular client and circumstances.

Fixed index annuities are not a direct investment in the stock market. They are long term insurance products with guarantees backed by the issuing company. They provide the potential for interest to be credited based in part on the performance of specific indices, without the risk of loss of premium due to market downturns or fluctuation. Although fixed index annuities guarantee no loss of premium due to market downturns, deductions from the accumulation value for optional benefit riders or strategy fees or charges associated with allocations to enhanced crediting methods could exceed interest credited to the accumulation value, which would result in loss of premium. They may not be appropriate for all clients. Interest credits to a fixed index annuity will not mirror the actual performance of the relevant index.

Apple Inc., and Spotify are independent third-party companies and are not affiliated with

Sammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member companies, including North American Company for Life and Health Insurance®.  Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, North American Company for Life and Health Insurance. 

Insurance products issued by North American Company for Life and Health Insurance®, West Des Moines, Iowa. Product and features/options may not be available in all states or appropriate for all clients. See product materials and state availability chart for further details, specific features/options, and limitations by product and state.

Fixed index annuities are not a direct investment in the stock market. They are long-term insurance products with guarantees backed by the issuing company. They provide the potential for interest to be credited based in part on the performance of specific indices, without the risk of loss of premium due to market downturns or fluctuation. Although fixed index annuities guarantee no loss of premium due to market downturns, deductions from the accumulation value for additional optional benefit riders or strategy fees associated with allocations to enhanced crediting methods could exceed interest credited to the accumulation value, which would result in loss of premium. They may not be appropriate for all clients. Interest credits to a fixed index annuity will not mirror the actual performance of the relevant index.

1.       As observed in the analyzed sample between January 3, 2000 and July 31, 2023. Past performance of the index is no guide to future performance.

The NAC BenefitSolutions® 10 is issued on base contract form NA1006A/ICC14-NA1006A or appropriate state variation including all applicable endorsements and riders. 

The North American Charter® Plus is issued on base contract form NA1007A/ICC16-NA1007A.MVA or appropriate state variation including all applicable endorsements and riders. 

The NAC VersaChoiceSM 10 is issued on base contract form NA1012A/ICC17-NA1012A.MVA or appropriate state variation including all applicable endorsements and riders. 

The Performance Choice® 8 is issued on base contract form NA1007A/ICC16-NA1007A.MVA or appropriate state variation including all applicable endorsements and riders. 

The Income Pay ProSM is issued on base contract form NA1012A / ICC17-NA1012A.MVA or appropriate state variation, including all applicable endorsements and riders.

Goldman Sachs Equity TimeX Index 

This Index does not include dividends paid by the underlying companies. 

The North American Company for Life and Health Insurance® fixed indexed annuity product (“Annuity Product”) is not sponsored, endorsed, sold, guaranteed, underwritten, distributed or promoted by Goldman Sachs & Co. or any of its affiliates (including Goldman Sachs Asset Management, L.P.), with the exception of any endorsement, sales, distribution or promotion of this product that may occur through its affiliates that are licensed insurance agencies (excluding such affiliates, individually and collectively, “Goldman Sachs”) or its third-party data providers. Goldman Sachs is a trademark of Goldman Sachs and has been licensed for use by North American Company for Life and Health Insurance® (the “Company”). Goldman Sachs and its third-party data providers make no representation or warranty, express or implied, regarding

Insurance products issued by North American Company for Life and Health Insurance®, West Des Moines, Iowa. Product and features/options may not be available in all states or appropriate for all clients. See product materials and state availability chart for further details, specific features/options, and limitations by product and state.

Apple Inc., and Spotify are independent third-party companies and are not affiliated with North American Company for Life and Health Insurance. The Company does not endorse or promote any one platform: you should consider those that best support your business model and technology resources.

Insurance products issued by North American Company for Life and Health Insurance®, West Des Moines, Iowa. Product and features/options may not be available in all states or appropriate for all clients. See product materials and state availability chart for further details, specific features/options, and limitations by product and state.

Fixed index annuities are not a direct investment in the stock market. They are long term insurance products with guarantees backed by the issuing company. They provide the potential for interest to be credited based in part on the performance of specific indices, without the risk of loss of premium due to market downturns or fluctuation. Although fixed index annuities guarantee no loss of premium due to market downturns, deductions from the accumulation value for optional benefit riders or strategy fees or charges associated with allocations to enhanced crediting methods could exceed interest credited to the accumulation value, which would result in loss of premium. They may not be appropriate for all clients. Interest credits to a fixed index annuity will not mirror the actual performance of the relevant index.

NAC Control. XSM fixed index annuity is issued on base contract form NA1015A/ICC21-NA1015A or appropriate state variation including all applicable endorsements and riders.

Apple Inc., and Spotify are independent third-party companies and are not affiliated with North American Company for Life and Health Insurance. The Company does not endorse or promote any one platform: you should consider those that best support your business model and technology resources.

Sammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member companies, including North American Company for Life and Health Insurance®.  Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, North American Company for Life and Health Insurance. 

Insurance products issued by North American Company for Life and Health Insurance®, West Des Moines, Iowa. Product and features/options may not be available in all states or appropriate for all clients. See product materials and state availability chart for further details, specific features/options, and limitations by product and state.

Apple Inc., and Spotify are independent third-party companies and are not affiliated with North American Company for Life and Health Insurance. The Company does not endorse or promote any one platform: you should consider those that best support your business model and technology resources.

Sammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member companies, including North American Company for Life and Health Insurance®.  Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, North American Company for Life and Health Insurance. 

Insurance products issued by North American Company for Life and Health Insurance®, West Des Moines, Iowa. Product and features/options may not be available in all states or appropriate for all clients. See product materials and state availability chart for further details, specific features/options, and limitations by product and state.

Fixed index annuities are not a direct investment in the stock market. They are long term insurance products with guarantees backed by the issuing company. They provide the potential for interest to be credited based in part on the performance of specific indices, without the risk of loss of premium due to market downturns or fluctuation. Although fixed index annuities guarantee no loss of premium due to market downturns, deductions from your accumulation value for optional benefit riders or strategy fees or charges associated with allocations to enhanced crediting methods could exceed interest credited to the accumulation value, which would result in loss of premium. They may not be appropriate for all clients. Interest credits to a fixed index annuity will not mirror the actual performance of the relevant index.

NAC Control. XSM fixed index annuity is issued on base contract form NA1015A/ICC21-NA1015A or appropriate state variation including all applicable endorsements and riders by North American Company for Life and Health Insurance®, West Des Moines, IA. This product, its features and riders may not be available in all states.

Product availability may vary by state or broker dealer.

1. Optional Total Control rider is attached to the base product for an annual rider charge of 1.25% of the total income base.

2. Lifetime income refers to guaranteed payment of lifetime payment amounts (LPA’s) as defined in the Total Control rider included in this contract. It does not refer to interest credited to the contract. Income streams can being in year 2 and starting at age 50. Please advise your client to consult with their own tax advisor regarding tax treatment of LPAs, which will vary according to individual circumstances.

3. The deferred income base may increase annually up to 20 years by a guaranteed roll-up rate and participating roll-up. The participating roll-up is a set percentage of the dollar amount of interest credited to the accumulation value multiplied by the deferred growth ratio. The deferred growth ratio is the deferred income base divided by the total income base.

4. The LPA ADL Multiplier requires a 2-year minimum wait period and can be paid out for a maximum of five annual payments as long as the covered person continues to meet the requirements on each payment. Confirmation that the covered person continues to meet the requirements will be required on an annual basis. Certain conditions and limitations apply. See contract for complete details.

5. A.M. Best Company rating—effective July 29, 2022. A+ is the 2nd of 15 categories.

Neither Barclays Bank PLC (“BB PLC”) nor any of its affiliates (collectively, “Barclays”) is the issuer or producer of fixed index annuities and Barclays has no responsibilities, obligations or duties to policyholders in fixed index annuities. The Barclays Transitions 12 VC IndexTM and the Barclays Transitions 6 VC IndexTM (the “Indexes”), together with any Barclays indices that are components of th

Sammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member companies, including North American Company for Life and Health Insurance®.  Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, North American Company for Life and Health Insurance. 

Insurance products issued by North American Company for Life and Health Insurance®, West Des Moines, Iowa. Product and features/options may not be available in all states or appropriate for all clients. See product materials and state availability chart for further details, specific features/options, and limitations by product and state.

Sammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member companies, including North American Company for Life and Health Insurance®.  Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, North American Company for Life and Health Insurance. 

Insurance products issued by North American Company for Life and Health Insurance®, West Des Moines, Iowa. Product and features/options may not be available in all states or appropriate for all clients. See product materials and state availability chart for further details, specific features/options, and limitations by product and state.

1.       Based on 2021 North American Company for Life and Health Insurance® Empowered Study. The general consumer study was conducted Jan.-Feb. 2021, and included 622 total respondents, both men and women, age 40 and above. The agent study was conducted Jan.-Feb. 2021, and included 339 contracted agents including both men and women. Analysis is for educational purposes only. The experience of the participants of the 2021 Study may not be representative of the experience of all.

Sammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member companies, including North American Company for Life and Health Insurance®.  Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, North American Company for Life and Health Insurance. 

Neither North American Company for Life and Health Insurance, nor any financial professionals acting on its behalf, should be viewed as providing legal, tax or investment advice. Your client should be advised to rely on their own qualified tax professional. 

Sammons Financial® is the marketing name for Sammons® Financial Group, Inc.’s member companies, including North American Company for Life and Health Insurance®.  Annuities and life insurance are issued by, and product guarantees are solely the responsibility of, North American Company for Life and Health Insurance. 

Fixed index annuities are not a direct investment in the stock market. They are long term insurance products with guarantees backed by the issuing company. They provide the potential for interest to be credited based in part on the performance of specific indices, without the risk of loss of premium due to market downturns or fluctuation. Although fixed index annuities guarantee no loss of premium due to market downturns, deductions from the accumulation value for optional benefit riders or strategy fees or charges associated with allocations to enhanced crediting methods  could exceed interest credited to the accumulation value, which would result in loss of premium. They may not be appropriate for all clients. Interest credits to a fixed index annuity will not mirror the actual performance of the relevant index.

1. As of 2006, North American Company for Life and Health Insurance rating was awarded as part of Sammons® Financial Group Inc., which consists of Midland National® Life Insurance Company and North American Company for Life and Health Insurance®  

A.M. Best is a large, third-party independent reporting and rating company that rates an insurance company on the basis of the company’s financial strength, operating performance, and ability to meet its obligations to policyholders. S&P Global Ratings is an independent, third-party rating firm that rates on the basis of financial strength. Ratings shown reflect the opinions of the rating agencies and are not implied warranties of the company’s ability to meet its financial obligations. The ratings apply to North American’s financial strength and claims-paying ability. A) A.M. Best rating affirmed on July 29, 2022. For the latest rating, access ambest.com. B) Awarded to North American as part of Sammons® Financial Group Inc., which consists of Midland National® Life Insurance Company and North American Company for Life and Health Insurance®. C) S&P Global rating assigned Feb. 26, 2009 and affirmed on May 25, 2022. D) Fitch Ratings, a global leader in financial information services and credit ratings, on Dec. 14, 2021, assigned an Insurer Financial Strength rating of A+ Stable for North American. This rating is the fifth highest of 19 possible rating categories. The rating reflects the organization’s strong business profile, low financial leverage, very strong statutory capitalization and strong operating profitability supported by strong investment performance. For more information, access fitchratings.com.