Financial Data and Key Metrics Changes - Adjusted EBITDA grew 21% to nearly $1.4 billion and adjusted EPS increased by 26%, both excluding reportable catastrophes [6][19] - For Q4, adjusted EBITDA grew 29% to $382 million and adjusted EPS increased by 38% to $4.90, both excluding reportable catastrophes [19] Business Line Data and Key Metrics Changes - Global Lifestyle earnings were relatively flat on a constant currency basis, with connected living growing 3% in earnings [10] - Global Lifestyle adjusted EBITDA grew 12% to $205 million in Q4, led by a 23% increase in connected living [20] - Global Housing adjusted EBITDA was $186 million in Q4, which included $22 million of reportable catastrophes; excluding these, adjusted EBITDA increased by nearly 50% to $208 million [25] Market Data and Key Metrics Changes - In the US, high single-digit EBITDA growth was driven by mobile protection programs [11] - In Europe, earnings stabilized despite ongoing macroeconomic challenges [12] - In Asia-Pacific, a new partnership with Telstra was announced, enhancing market presence [12] Company Strategy and Development Direction - The company is focused on strengthening its business portfolio and driving operational excellence while accelerating innovation [9] - Active portfolio management has led to exiting non-core businesses, simplifying the portfolio [9] - Technology innovation is seen as a key driver for future growth and value creation [10] Management's Comments on Operating Environment and Future Outlook - Management expressed confidence in continued profitable growth in 2024, albeit at a lower rate than 2023 [15] - The company expects adjusted EBITDA growth in the mid-single digits for 2024, with similar growth rates for Global Lifestyle and Global Housing [16] - Management highlighted the importance of monitoring macroeconomic conditions and foreign exchange impacts on growth [24] Other Important Information - The company returned over $350 million to shareholders in 2023, including $200 million in share repurchases [7] - The company received multiple recognitions for its commitment to innovation and sustainability in 2023 [8] Q&A Session Summary Question: What is the expected placement rate for the Bank of America deal? - The placement rate for the Bank of America block of business is expected to be lower than the current average of 1.8% due to the nature of the loans [36][37] Question: What drove the favorable reserve development in the homeowners business? - The positive reserve development was primarily due to settling inflationary estimates rather than weather-related factors [38][39] Question: What contributed to the substantial increase in fee income in Lifestyle? - The increase in fee income was mainly driven by higher trade-in volumes and the addition of new programs [42][43] Question: Can you discuss the geography of the expense reduction program? - The expense efficiencies are a blend of employee actions and facility efficiencies, with a significant reduction in the expense ratio from 46% to about 40% [44][46] Question: How does the company plan to recoup elevated auto input costs? - The company has implemented significant rate adjustments over the past 18 months and expects improvement in 2024 [47][49] Question: What are the expectations for investment income in 2024? - Investment income is expected to be relatively flat to slightly up, with a current portfolio book yield of just under 5% [53][54] Question: How is the situation in Japan expected to evolve? - Japan is expected to remain under pressure in 2024, but new contracts and structures are anticipated to moderate this pressure [56][58]

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended September 30, 2023 OR ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number 001-31978 Assurant, Inc. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation) (I.R.S. Empl ...

Assurant, Inc. (NYSE:AIZ) Q3 2023 Earnings Conference Call November 1, 2023 8:00 AM ET Company Participants Suzanne Shepherd - SVP, IR & Sustainability Keith Demmings - President, CEO & Director Richard Dziadzio - EVP & CFO Conference Call Participants Mark Hughes - Truist Securities Jeffrey Schmitt - William Blair & Company Brian Meredith - UBS Tommy McJoynt-Griffith - KBW John Barnidge - Piper Sandler & Co. Grace Carter - Bank of America Merrill Lynch Operator Welcome to Assurant's Third Quarter 2023 Conf ...

Investor Presentation Second Quarter 2023 ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the quarterly period ended June 30, 2023 OR ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number 001-31978 Assurant, Inc. (Exact name of registrant as specified in its charter) (State or other jurisdiction of incorporation) (I.R.S. Employer ...

Assurant, Inc. (NYSE:AIZ) Q2 2023 Earnings Conference Call August 2, 2023 8:00 AM ET Company Participants Suzanne Shepherd - SVP, IR & Sustainability Keith Demmings - President, CEO & Director Richard Dziadzio - EVP & CFO Conference Call Participants Jeffrey Schmitt - William Blair & Company Brian Meredith - UBS Mark Hughes - Truist Securities Tommy Griffith - KBW John Barnidge - Piper Sandler & Co. Grace Carter - Bank of America Merrill Lynch Operator Welcome to Assurant's Second Quarter 2023 Conference Ca ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-Q ☒ Quarterly Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 Delaware 39-1126612 260 Interstate North Circle SE Atlanta, Georgia 30339 For the quarterly period ended March 31, 2023 OR ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to Commission file number 001-31978 Assurant, Inc. (Exact name of registrant as specified in it ...

Assurant, Inc. (NYSE:AIZ) Q1 2023 Earnings Conference Call May 3, 2023 8:00 AM ET Company Participants Suzanne Shepherd - Investor Relations Keith Demmings - President and Chief Executive Officer Richard Dziadzio - Chief Financial Officer Conference Call Participants Tommy McJoynt - KBW Mark Hughes - Truist Securities John Barnidge - Piper Sandler Grace Carter - Bank of America Brian Meredith - UBS Operator Welcome to Assurant’s First Quarter 2023 Conference Call and Webcast. [Operator Instructions] It is n ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-K ☒ Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the fiscal year ended December 31, 2022 OR ☐ Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934 For the transition period from to . Commission file number 001-31978 Assurant, Inc. (Exact name of registrant as specified in its charter) Delaware 39-1126612 (State or other jurisdiction of incorporation) ( ...

Assurant, Inc. (NYSE:AIZ) Q4 2022 Earnings Conference Call February 8, 2023 8:00 AM ET Company Participants Suzanne Shepherd - Senior Vice President, Investor Relations and Sustainability Keith Demmings - President & Chief Executive Officer Richard Dziadzio - Executive Vice President, Chief Financial Officer Conference Call Participants John Barnidge - Piper Sandler Mark Hughes - Truist Securities Tommy McJoynt - KBW Brian Meredith - UBS Grace Carter - Bank of America Operator Welcome to Assurant's Fourth Q ...