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Employer Identification No.)\n260 Interstate North Circle SEAtlanta, Georgia 30339(770) 763-1000(Address, including zip code, and telephone number, including area code, of Registrant\u2019s Principal Executive Offices)\nSecurities registered pursuant to Section 12(b) of the Act:\nTitle of Each Class Trading Symbol(s) Name of Each Exchange on Which Registered\nCommon Stock, $0.01 Par Value AIZ New York Stock Exchange5.25% Subordinated Notes due 2061 AIZN New York Stock Exchange\n \nSecurities registered pursuant to Section 12(g) of the Act:None \nIndicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes x  No \u00a8  \nIndicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes \u00a8  No x  \nIndicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 duringthe preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for thepast 90 days. Yes x  No \u00a8  \nIndicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 ofRegulation S-T (\u00a7 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes x No \u00a8  \nIndicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or anemerging growth company. See the definitions of \u201clarge accelerated filer,\u201d \u201caccelerated filer,\u201d \u201csmaller reporting company,\u201d and \u201cemerging growth company\u201d in Rule12b-2 of the Exchange Act.\nLarge accelerated filer  \u2612   Accelerated filer  \u2610 \nNon-accelerated filer  \u2610   Smaller reporting company  \u2610 \nEmerging growth company \u2610 \nIf an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new orrevised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. \u2610  \nIndicate by check mark whether the registrant has filed a report on and attestation to its management\u2019s assessment of the effectiveness of its internal control overfinancial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its auditreport. Yes \u2612  No \u2610 \nIf securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filingreflect the correction of an error to previously issued financial statements. \u2610 \nIndicate by check mark whether any of these error corrections are restatements that required a recovery analysis of incentive-based compensation received byany of the registrant\u2019s executive officers during the relevant recovery period pursuant to \u00a7240.10D-1(b). \u2610 \nIndicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). Yes \u2610  No \u2612", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3744, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "bab084df-6fad-470c-8920-b6b68b434f22": {"__data__": {"id_": "bab084df-6fad-470c-8920-b6b68b434f22", "embedding": null, "metadata": {"page_label": "2", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "8d2d1e87-1e51-49df-b7ba-2f8075f809db", "node_type": "4", "metadata": {"page_label": "2", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b00caeb1405decd3b14b8837858e3702b16fe18a1cd29fa1f8b8b0ebb34a2651", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The aggregate market value of the registrant\u2019s common stock held by non-affiliates of the registrant was $6.63 billion as of the last business day of the fiscalquarter ended June 30, 2023 based on the closing sale price of $125.72 per share for the common stock on such date as traded on the New York Stock Exchange. \nThe number of shares of the registrant\u2019s common stock outstanding at February 9, 2024 was 51,977,634. \nDocuments Incorporated by Reference \nCertain information contained in the definitive proxy statement for the registrant\u2019s 2024 annual meeting of stockholders, which will be filed with the Securitiesand Exchange Commission within 120 days after the end of the fiscal year to which this report relates, is incorporated by reference into Part III hereof.", "mimetype": "text/plain", "start_char_idx": 2, "end_char_idx": 774, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "8e50d3bc-a5bd-4c5b-bc57-8d9bb9f6a198": {"__data__": {"id_": "8e50d3bc-a5bd-4c5b-bc57-8d9bb9f6a198", "embedding": null, "metadata": {"page_label": "3", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "1c2eb73d-98a1-4130-863f-f556628c0bd2", "node_type": "4", "metadata": {"page_label": "3", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "acc2dbf4e4427e8ec1ba9b26b2cb3e3e28faac2512b96f49c50533aeafa1d321", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "ASSURANT, INC.\nANNUAL REPORT ON FORM 10-K\nFor the Fiscal Year Ended December 31, 2023\nTABLE OF CONTENTS\nItemNumber PageNumber\nPART I1 Business 3\n1A. Risk Factors 201B. Unresolved Staff Comments 411C. Cybersecurity 412 Properties 42\n3 Legal Proceedings 424 Mine Safety Disclosures 42\nPART II\n5 Market for Registrant\u2019s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities 436 Reserved 447 Management\u2019s Discussion and Analysis of Financial Condition and Results of Operations 45\n7A. Quantitative and Qualitative Disclosures About Market Risk 608 Financial Statements and Supplementary Data 629 Changes in and Disagreements with Accountants on Accounting and Financial Disclosure 62\n9A. Controls and Procedures 639B. Other Information 639C. Disclosure Regarding Foreign Jurisdictions that Prevent Inspections 63\nPART III10 Directors, Executive Officers and Corporate Governance 6411 Executive Compensation 64\n12 Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters 6413 Certain Relationships and Related Transactions, and Director Independence 6414 Principal Accounting Fees and Services 64\nPART IV15 Exhibits and Financial Statement Schedules 6516. Form 10-K Summary 68\nSignatures 69\n \nUnless otherwise stated, all amounts are presented in United States of America (\u201cU.S.\u201d) Dollars and all amounts are in millions, except for number of shares,per share amounts, registered holders, number of employees, beneficial owners, number of securities in an unrealized loss position and number of loans.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1565, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "b19cb492-349d-4a96-b7e5-204a7e0fdc7c": {"__data__": {"id_": "b19cb492-349d-4a96-b7e5-204a7e0fdc7c", "embedding": null, "metadata": {"page_label": "4", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "c6a83687-99c2-4a2b-9d92-20569c05a893", "node_type": "4", "metadata": {"page_label": "4", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "6d3d3b24dadbf46843ba3d70ee2f2b3761157466a71b63472fa6fdc2af6173a9", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "FORWARD-LOOKING STATEMENTS\nSome statements in \u201cItem 1 \u2013 Business\u201d and \u201cItem 7 \u2013 Management\u2019s Discussion and Analysis of Financial Condition and Results of Operations\u201d andelsewhere in this Annual Report on Form 10-K for the fiscal year ended December 31, 2023 (this \u201cReport\u201d), including our business and financial plans and anystatements regarding our anticipated future financial performance, business prospects, growth and operating strategies and similar matters, may constitute forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995. You can identify these statements by the use of words such as\u201cwill,\u201d \u201cmay,\u201d \u201ccan,\u201d \u201canticipates,\u201d \u201cexpects,\u201d \u201cestimates,\u201d \u201cprojects,\u201d \u201cintends,\u201d \u201cplans,\u201d \u201cbelieves,\u201d \u201ctargets,\u201d \u201cforecasts,\u201d \u201cpotential,\u201d \u201capproximately,\u201d and thenegative versions of those words and other words and terms with a similar meaning. Any forward-looking statements contained in this Report are based upon ourhistorical performance and on current plans, estimates and expectations. The inclusion of this forward-looking information should not be regarded as a representationby us or any other person that our future plans, estimates or expectations will be achieved. Our actual results might differ materially from those projected in theforward-looking statements. We undertake no obligation to update or review any forward-looking statement, whether as a result of new information, future events orother developments. For a discussion of the factors that could affect our actual results, see \u201cItem 1A \u2013 Risk Factors\u201d and \u201cItem 7 \u2013 Management\u2019s Discussion andAnalysis of Financial Condition and Results of Operations \u2013 Critical Factors Affecting Results.\u201d", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1719, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "f9ebd295-f860-4131-bdb5-a495b9ac80fc": {"__data__": {"id_": "f9ebd295-f860-4131-bdb5-a495b9ac80fc", "embedding": null, "metadata": {"page_label": "5", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "cabf9a98-7149-4922-bf74-855ddd455d0f", "node_type": "4", "metadata": {"page_label": "5", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "4201f10ccb65e3e5ff45038e794d1d4e360be6fa710db66c4ec59634a20b7366", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "PART I\nUnless the context otherwise requires, references to the terms \u201cAssurant,\u201d the \u201cCompany,\u201d \u201cwe,\u201d \u201cus\u201d and \u201cour\u201d refer to Assurant, Inc.\u2019s consolidatedoperations.\nItem 1. Business\nAssurant, Inc. was incorporated as a Delaware corporation in 2004.\nWe are a leading global business services company that supports, protects and connects major consumer purchases. We support the advancement of theconnected world by partnering with the world\u2019s leading brands to develop innovative solutions and to deliver an enhanced customer experience. We operate in NorthAmerica, Latin America, Europe and Asia Pacific through two operating segments: Global Lifestyle and Global Housing. Through our Global Lifestyle segment, weprovide mobile device solutions, extended service contracts and related services for consumer electronics and appliances, and credit and other insurance products(referred to as \u201cConnected Living\u201d); and vehicle protection services, commercial equipment services and other related services (referred to as \u201cGlobal Automotive\u201d).Through our Global Housing segment, we provide lender-placed homeowners, manufactured housing and flood insurance, as well as voluntary manufacturedhousing, condominium and homeowners insurance (referred to as \u201cHomeowners\u201d); and renters insurance and other products (referred to as \u201cRenters and Other\u201d).\nOur Competitive Strengths\nOur financial strength and capabilities across our businesses create competitive advantages that we believe allow us to support our clients, deliver a superiorexperience for their customers and drive sustainable profitable growth over the long term.\nOur financial strength. We believe we have a strong balance sheet and operating cash flows. As of December 31, 2023, we had $33.64 billion in total assets andour debt to total capital was 30.2%. Our Global Lifestyle and Global Housing segments generate significant operating cash flows, which provide us with theflexibility to make investments to strengthen our strategic capabilities and enhance our partnerships with our clients.\nInsights and capabilities enable innovation to meet evolving consumer needs. We have a deep understanding of our clients and the consumer markets theyserve. We seek to leverage consumer insights, together with extensive capabilities, to identify and anticipate the needs of our clients and the consumers they serve.We intend to leverage those insights with investments in emerging technologies and operations, including digital-first solutions, to introduce innovative products andservices and continuously adapt those offerings to the changing needs of consumers in the connected world.\nValue chain integration and customer experience. We own or manage multiple pieces of the value chain, which enables us to create products and serviceofferings based on client and consumer needs and provide a seamless customer experience. Offering end-to-end solutions allows us to provide additional value forconsumers and adapt more quickly and efficiently to their needs. Visibility across the value chain helps us leverage insights to further improve the customerexperience and our offerings. Our ability to introduce value-added services and capabilities across the value chain and provide a superior customer experience allowsus to strengthen our partnerships and our competitive position.\nOur Strategy for Profitable Growth\nOur vision is to be the leading global business services company supporting the advancement of the connected world. As we focus on executing our vision, webelieve we are positioned for continued long-term profitable growth by:\nGrowing our portfolio of market-leading businesses. Our businesses represent a group of leading, service-oriented offerings focused on compelling growthopportunities. This includes capitalizing on the convergence of the connected world in the global markets and geographies in which we operate. We intend to growour businesses by strengthening our partnerships with major clients and prospects globally, while continuing to invest in talent, capabilities and technology, includingdigital, to enable us to deliver a superior customer experience, as well as further broadening our offerings and diversifying our distribution channels. As our offeringscontinue to expand, we expect to generate a more diversified mix of business and earnings.\nProviding integrated offerings through a superior, digital-first customer experience. As we continue to evolve our product and service capabilities and respondto client and consumer needs, we expect to accelerate the pace of innovation for our integrated offerings and drive additional value through a superior, digital-firstcustomer experience.\nDeploying our capital strategically. Our strong financial position provides us with flexibility to strategically deploy our capital. We generally deploy capital tosupport business growth by funding investments and through acquisitions, to pay dividends and to repurchase shares. We target new businesses and capabilities,organically and through acquisitions, that complement or support our strategy. Our approach to mergers, acquisitions and other growth opportunities reflects ourstrategic and disciplined approach to capital management.\n3", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5224, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "b88207a8-51ff-491a-a701-96c67a77e11b": {"__data__": {"id_": "b88207a8-51ff-491a-a701-96c67a77e11b", "embedding": null, "metadata": {"page_label": "6", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "546599a9-8fc7-4c05-b19c-f51d2843efb3", "node_type": "4", "metadata": {"page_label": "6", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f6e7d08a58f967620e610cd7c6f04fdfda278defb941fdcd59c9e1fc2ff95520", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Investing in talent. Our employees play a critical role in contributing to our success and supporting our business strategy. We believe in fostering a diverse,equitable and inclusive culture to drive sustained profitable growth through innovation. We are focused on strategically attracting, developing, retaining andmotivating our talent, as we prioritize programs and initiatives aimed at investing in their growth.\n2023 Highlights\nWe achieved significant profitable growth in 2023, maintained a strong capital position and generated significant momentum throughout our businesses. Ourresults reflect our focus on further strengthening our business portfolio and driving operational excellence, including implementing digital-first initiatives across ouroperations, while accelerating innovation and investing in our businesses. Through active portfolio management, we exited businesses that are not core to our long-term strategy. We continued to expand partnerships with key clients and win new clients, deliver new and innovative solutions and execute on our commitment tobeing a socially responsible company for our stakeholders. We advanced our goals to reduce our environmental impact, and we remained focused on engaging anddeveloping our diverse talent pool.\nWe realized benefits from the actions we announced in 2022 to simplify our business portfolio and corporate real estate and realign our organizational structure,allowing us to reinvest throughout the enterprise. We amended and extended our 2022 restructuring plan to include additional actions within these initiatives,including further consolidation of our real estate portfolio and additional changes to our organizational structure, which we believe will drive greater operationalefficiency to support our long-term profitable growth and value creation. We expect to complete these actions by mid-2024.\nIn November 2023, we realigned our executive team to support our global growth strategy by appointing Keith Meier as Chief Financial Officer and FrancescaLuthi as Chief Operating Officer. The appointments represented our ability to deploy our deep bench of talent and evolve from a position of strength.\nThroughout the year, we have maintained a strong balance sheet, generated $772.6 million in dividends or returns of capital from our subsidiaries (net ofinfusions of liquid assets and excluding amounts used for acquisitions or received from dispositions) and returned $352.3 million to shareholders through sharerepurchases and common stock dividends. In February 2023, we issued $175.0 million of 6.10% senior notes due 2026 and used the net proceeds, together with cashon hand, to redeem a portion of the $225.0 million outstanding aggregate principal amount of our 4.20% senior notes due 2023.\nSustainability Priorities\nAssurant is a purpose-driven company committed to making meaningful advancements each year to integrate our sustainability efforts into our long-termstrategy to support our business outcomes, our global business operations and our product and service offerings. In 2023, we continued to make progress on buildinga more sustainable company for all of our stakeholders. Our Board of Directors (the \u201cBoard\u201d), Management Committee and employees understand the importance ofsustainability to deliver greater value as we operate our business each day and support Assurant\u2019s long-term strategy.\nOur sustainability strategic framework centers on four pillars against which we track our progress on sustainability topics that most impact Assurant\u2019s value,society and the environment, as discussed below. Each of these pillars is dynamic, aligned to our long-term business strategy, and strengthens the communities inwhich we live and work.\nResponsible employer. We are a responsible employer with a culture that believes diversity, equity and inclusion are critical to support business growth, and werecognize the importance of investing in talent as we look to deliver a superior employee experience. For additional information, refer to \u201c\u2013 Human CapitalResources\u201d below.\nImpact on society. We actively engage to strengthen the communities where we live and work worldwide while operating our business, managing ourinvestments, and evolving our product offerings to ensure we maintain a strong environmental commitment.\nCustomer commitment. We deliver differentiated experiences by being customer-centric and anticipating the needs of the people we serve.\nIntegrity and ethics. We adhere to unwavering standards of integrity, ethics, governance, privacy and information security.\nOur longer-term strategic planning process, overseen by our Board, prioritized three multiyear ESG strategic focus areas:\n\u2022 Talent: We aspire to foster a diverse, equitable and inclusive culture to drive innovation for the benefit of all stakeholders;\u2022 Products: We aspire to help customers thrive in a connected world; and\u2022 Climate: We aspire to operate in ways that minimize our carbon footprint and align our commitments to enhance climate action and environmentalperformance.\n4", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5055, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "1c16af7c-e6dc-4873-a935-dc3e4fafc923": {"__data__": {"id_": "1c16af7c-e6dc-4873-a935-dc3e4fafc923", "embedding": null, "metadata": {"page_label": "7", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "fc591b09-a8c8-4d22-949c-f8b48ca6fc8c", "node_type": "4", "metadata": {"page_label": "7", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "fde6647b60cf7e525aa4aef1b480409d17a41f3582592fdf9fea5101bcd8e7df", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "For additional information on our Sustainability priorities, including our most recent Sustainability report, please refer to our website athttps://www.assurant.com/about-us/sustainability. The information found on our website and in such reports is not incorporated by reference into and does notconstitute a part of this Report.\nSegments \nThe composition of our reportable segments aligns with how we view and manage our business. For additional information on our segments, see \u201cItem 7 \u2013Management\u2019s Discussion and Analysis of Financial Condition and Results of Operations \u2013 Results of Operations\u201d and Note 6 to the Consolidated FinancialStatements included elsewhere in this Report.\nGlobal Lifestyle\n Years Ended December 31,\n 2023 2022 2021\nNet earned premiums, fees and other income by product:\nConnected Living (1) $ 4,376.8 $ 4,259.4 $ 4,321.6 Global Automotive 4,184.6 3,802.5 3,504.5 \nTotal $ 8,561.4 $ 8,061.9 $ 7,826.1 \nSegment Adjusted EBITDA $ 792.3 $ 809.4 $ 737.6 Segment equity (2) $ 4,822.0 $ 4,743.3 $ 4,644.9 \n (1) For the years ended December 31, 2023, 2022 and 2021, 44.8%, 46.0%, and 47.5%, respectively, of net earned premiums, fees and other income was from mobile device solutions; 44.7%, 44.3%, and43.5%, respectively, was from extended service contracts and related services for consumer electronics and appliances; and 10.5%, 9.7%, and 9.0%, respectively, was from credit and other insuranceproducts.(2) Segment equity does not include components of accumulated other comprehensive income (\u201cAOCI\u201d), which is primarily comprised of net unrealized gains on securities, net of taxes. For additionalinformation on total AOCI, see Note 22 to the Consolidated Financial Statements included elsewhere in this Report.\nOur Products and Services\nThe key lines of business in Global Lifestyle are: Connected Living, which includes mobile device solutions (including extended service contracts, insurancepolicies and related services), extended service contracts and related services for consumer electronics and appliances, and credit and other insurance products; andGlobal Automotive.\nConnected Living: Through partnerships with mobile service providers (including carriers, retailers, original equipment manufacturers (\u201cOEMs\u201d) and cableoperators) and financial and other institutions, we underwrite and provide administrative support and related services for extended service contracts. These contractsprovide consumers with coverage on mobile devices and consumer electronics and appliances, protecting them from certain covered losses. We pay the cost ofrepairing or replacing these consumer goods in the event of loss, theft, accidental damage, mechanical breakdown or electronic malfunction after the manufacturer'swarranty expires. Our strategy is to provide integrated service solutions to our clients that address all aspects of the insurance or extended service contract, includingprogram design and marketing strategy, risk management, data analytics, customer support and claims handling, supply chain services, service delivery and repairand logistics management, while ensuring exceptional customer experience measured through our net promoter scores. For example, we provide end-to-end mobiledevice lifecycle solutions in our mobile business from when the device is received and inspected, repaired or refurbished, to when it is ultimately disposed of througha sale to a third-party or used to support an insurance claim. In addition to extended protection for multiple devices, our mobile offerings include trade-in and upgradeprograms, premium technical support, including device self-diagnostic tools, and device disposition. We also sell repaired or refurbished mobile and other electronicdevices. We provide in-store, same-day device repairs to customers through our nationwide network of nearly 500 Cell Phone Repair locations. We believe that withthe required administrative capability, digital platforms enabling on-boarding, claims management and service delivery, supply chain management, technical supportinfrastructure, insurance underwriting capabilities and a variety of adjacent value-added services, like trade-in and upgrade and asset value recovery, we maintain adifferentiated position in this marketplace.\nWithin Connected Living, our global financial services business maintains a suite of protection and assurance products that deliver a combination of featuresand benefits for varying customer segment needs. With major financial services clients, we provide value-added financial services in the U.S. and internationally,ranging from credit insurance to inclusive credit card benefits, packaged bank account benefits and travel coverages.\n5", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4698, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "6502fc1a-81da-4987-9107-cbd7940c2aef": {"__data__": {"id_": "6502fc1a-81da-4987-9107-cbd7940c2aef", "embedding": null, "metadata": {"page_label": "8", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "2a0d0dc8-2ee9-4068-a49c-ce24cca37c3c", "node_type": "4", "metadata": {"page_label": "8", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b877c70d52c65d93a995ad8011c57fb2a4e61b0fe8e2c10623aef8c1fd98bc4e", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "f898863e-ccfe-411c-8774-c03ff695957e", "node_type": "1", "metadata": {}, "hash": "d317e4a2b5c247035a1c95d2d7c2b142e2cf233e20e32264041442c8b6726462", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Global Automotive: We underwrite and provide administrative services for vehicle service contracts (\u201cVSCs\u201d) and ancillary products providing coverage forvehicles, including automobiles, trucks, recreational vehicles, motorcycles, construction and agricultural equipment, as well as parts. For VSCs, we pay the cost ofrepairing a customer\u2019s vehicle in the event of mechanical breakdown. For ancillary products, including relating to commercial and other leased equipment, coveragevaries, but, generally, we pay the cost of repairing, servicing or replacing parts or provide other financial compensation in the event of mechanical breakdown,accidental damage or theft. We provide integrated service offerings to our clients, including program design and marketing strategy, risk management, data analytics,customer support and claims handling, reinsurance facilitation, actuarial consulting, experiential and digital training and performance management. We work closelywith our global partners to develop innovative offerings that reflect the evolution of the auto market, such as Assurant Vehicle Care which launched in July 2023 inover 500 dealerships across the U.S. (over 30% of our dealer services total) and provides a comprehensive new suite of enhanced vehicle production products and anew digital experience for consumers. We also provide risk management solutions tailored for commercial and leased equipment where our core products includeinsurance tracking and physical damage insurance.\nDistribution and Clients\nGlobal Lifestyle operates globally, with approximately 83% of its revenue from North America (the U.S. and Canada), 7% from Latin America (Brazil,Argentina, Puerto Rico, Mexico, Chile, Colombia and Peru), 6% from Europe (the United Kingdom (the \u201cU.K.\u201d), France, Italy, Spain, Germany and the Netherlands)and 4% from Asia Pacific (Japan, Australia, New Zealand, South Korea, India, Singapore and China (including Hong Kong) for the year ended December 31, 2023.In fourth quarter 2023, we made the decision to fully exit our operations in mainland China (other than Hong Kong). Global Lifestyle focuses on establishing strong,long-term relationships with clients that are leaders in their markets, including leading distributors of our products and services. In Connected Living, we partner withmobile service providers (including carriers, retailers, OEMs and cable operators) and financial and other institutions to market our mobile device solutions, withsome of the largest OEMs, consumer electronics retailers, appliance retailers (including e-commerce retailers) and cable operators to market our extended servicecontracts and related services, and with financial institutions, insurers and retailers to market our credit and other insurance products. Most of our distributionagreements are exclusive. In Global Automotive, we partner with auto dealers and agents, third-party administrators, manufacturers, equipment retailers and largebanks and financing companies to market our vehicle protection, commercial equipment-related products and other related services.\nTypically, our agreements in Global Lifestyle are multi-year with terms generally between three and five years and allow us to integrate our administrativesystems with those of our clients.\nGlobal Lifestyle is dependent on a few clients, in particular mobile service providers, and a reduction in business with or the loss of any one or more suchclients could have a material adverse effect on our results of operations and cash flows. See \u201cItem 1A \u2013 Risk Factors \u2013 Business, Strategic and Operational Risks \u2013Our revenues and profits may decline if we are unable to maintain relationships with significant clients, distributors and other parties, or renew contracts with themon favorable terms, or if those parties face financial, reputational or regulatory issues.\u201d\nOur Addressable Markets and Market Activity\nThe mobile protection market is a large and growing global market with evolving wireless standards. While smartphone penetration in the U.S., Japanese andEuropean markets is high, other markets are less mature and present growth opportunities. Global adoption of 5G by subscribers is a high priority for mobile serviceproviders. The worldwide used and refurbished smartphone market is growing, especially in newer markets like India, driven by the cost and availability of newdevices and sustainability-conscious customers.\nConsumer needs relating to mobile devices are continuing to expand in scope, particularly demand for certified pre-owned devices. We believe there are growthopportunities in bundled protection products, which support customers as they take full advantage of the features and functions of their mobile devices through theirdaily interaction with a connected world. Expanded capabilities like repair and logistics, technical support for customers and enhanced customer experience throughdigital solutions allow us to create product and service offerings that customers find compelling. We believe there are additional growth opportunities in expandingprotection to other devices and technologies within the home.\nOur business is subject to fluctuations in mobile device trade-in and upgrade volumes based on the release of new devices and carrier promotional programs, aswell as customer preferences.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5327, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "f898863e-ccfe-411c-8774-c03ff695957e": {"__data__": {"id_": "f898863e-ccfe-411c-8774-c03ff695957e", "embedding": null, "metadata": {"page_label": "8", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "2a0d0dc8-2ee9-4068-a49c-ce24cca37c3c", "node_type": "4", "metadata": {"page_label": "8", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b877c70d52c65d93a995ad8011c57fb2a4e61b0fe8e2c10623aef8c1fd98bc4e", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "6502fc1a-81da-4987-9107-cbd7940c2aef", "node_type": "1", "metadata": {"page_label": "8", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "63a8048a03489d50efed027973f04f7e45e87084811ec91ee5e2655418c6825c", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "As a general trend, we believe the average smartphone replacement cycle is lengthening, which may increase attachment rates formobile protection offerings, including for our large, installed customer base. However, this trend may be reversed based on new technology and innovation.\nIn the vehicle sales markets, U.S. new vehicle sales have shown modest improvements as increased vehicle availability and pent-up demand are driving sales.OEMs with sufficient inventory are starting to increase incentives, which should help mitigate headwinds from higher interest rates which have had an adverseimpact on attachment rates for our core products. However, we expect U.S. new vehicle sales to increase modestly, thereby providing more opportunities for productsales as an\n6", "mimetype": "text/plain", "start_char_idx": 5328, "end_char_idx": 6097, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "4cdc7a33-9a04-4380-b51b-8aa4be02faa3": {"__data__": {"id_": "4cdc7a33-9a04-4380-b51b-8aa4be02faa3", "embedding": null, "metadata": {"page_label": "9", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "4597ebc2-47e5-469f-94c2-52056fa060cb", "node_type": "4", "metadata": {"page_label": "9", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "5945e345a0d3f221f29ea2c017a4f6632a0578abc6a74d44d9661616e9331a81", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "offset to this interest rate pressure. The used vehicle market in the U.S. has started to normalize from recent elevated used vehicle prices and a shift in sales to newvehicles, but this normalization is tempered by lower and aging used vehicle inventory, as well as higher interest rates. We continue to expand our footprint in theU.S. by adding new dealership clients and growing our dealer and third-party relationship networks. In addition, we have successfully added clients internationallywhere new vehicle sales continue to grow in most markets. In addition to the overall market, inflation has had a significant impact on our Global Automotive resultsas parts and labor adversely affected claims costs.\nConsumers are becoming increasingly connected across their mobile devices, vehicles and homes, which is creating a global market for smart home devices andrelated services. As we continue into the \u201cConnected Decade\u201d, we believe it will create long-term opportunities for Assurant as consumers\u2019 lifestyles will increasinglyintertwine with their connected ecosystems, which we call the connected world. Due to our capabilities, including device protection, premium technology support,service delivery and financing, as well as technology components such as dynamic fulfillment, which integrates a dynamic mobile claims management process withrisk and fraud mitigation, we are well positioned to support customers as the smart home market continues to grow.\nIn our financial services business, our focus is on expanding our partnerships with leading financial institutions to offer credit card benefit and packaged bankaccount offerings to their customers.\nRisk Management\nWe earn premiums on our insurance and extended service contracts and fees for our other services. For a portion of our contracts, we share in the underwritingrisk with our clients through reinsurance or profit-sharing agreements. We believe that these arrangements better align our clients\u2019 interests with ours and help us tobetter manage risk exposure. For additional risks relating to our Global Lifestyle segment, please see \u201cItem 1A \u2013 Risk Factors.\u201d\nInventory\nIn our mobile business, we carry inventory to meet the delivery requirements of certain clients. These devices are ultimately disposed of through sales to thirdparties. Our inventory includes devices and parts on consignment with our nationwide network of nearly 500 Cell Phone Repair locations through which we providein-store repairs. Inventory levels may vary from period to period due to, among other things, differences between actual and forecasted demand, supply chainconstraints, the addition of new devices and parts, and strategic purchases. Payment terms with clients also vary, which may result in less inventory financed byclients and more inventory financed with our own capital.\nWe take various actions to manage our inventory, including monitoring our inventory levels, managing the timing of purchases and obtaining return rights forsome programs and devices. However, the value of certain inventory could be adversely impacted by technological changes affecting the usefulness or desirability ofthe devices and parts, physical problems resulting from faulty design or manufacturing, increased competition, decreased consumer demand, including due tochanges in customer preferences and changes in client promotions, supply chain constraints, growing industry emphasis on cost containment and adverse foreigntrade relationships. No assurance can be given that we will be adequately protected against declines in inventory value. See \u201cItem 1A \u2013 Risk Factors \u2013 Business,Strategic and Operational Risks \u2013 \u201cOur mobile business is subject to the risk of declines in the value and availability of mobile devices, and to regulatory complianceand other risks.\u201d\nSeasonality\nWe experience seasonal fluctuations that impact demand in each of our lines of business. For example, seasonality for extended service contracts and VSCsaligns with the seasonality of the retail and automobile markets. In addition, our mobile results may fluctuate quarter to quarter due to the actual and anticipatedtiming and availability of the release of new devices and carrier promotional programs.\n7", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4232, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "6b382fff-7007-49a8-ac31-53f8ea9c9821": {"__data__": {"id_": "6b382fff-7007-49a8-ac31-53f8ea9c9821", "embedding": null, "metadata": {"page_label": "10", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "345c7984-b3e9-43a1-bb36-1c2df8580dd2", "node_type": "4", "metadata": {"page_label": "10", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f82711c7b697b933b33034e00201a3320576baf71cb9fbfa5164f7014cd88569", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Global Housing\n Years Ended December 31,\n 2023 2022 2021\nNet earned premiums, fees and other income by product:Homeowners $ 1,663.4 $ 1,402.2 $ 1,373.2 \nRenters and Other 479.5 482.4 482.2 Total $ 2,142.9 $ 1,884.6 $ 1,855.4 \nSegment Adjusted EBITDA $ 574.2 $ 246.0 $ 321.6 \nSegment equity (1) $ 1,318.9 $ 1,272.8 $ 1,313.2 \n(1) Segment equity does not include components of AOCI, which is primarily comprised of net unrealized gains on securities, net of taxes. For additional information on total AOCI, see Note 22 to theConsolidated Financial Statements included elsewhere in this Report.\nOur Products and Services\nThe key lines of business in Global Housing are Homeowners and Renters and Other, each as described below.\nHomeowners: We provide lender-placed homeowners, manufactured housing and flood insurance, as well as voluntary manufactured housing, condominiumand homeowners insurance.\nLender-placed homeowners insurance. Lender-placed homeowners insurance consists principally of fire and dwelling hazard insurance offered through ourlender-placed program. The lender-placed program provides collateral protection to lenders, mortgage servicers and investors in mortgaged properties in the eventthat a homeowner does not maintain insurance on a mortgaged dwelling. Lender-placed homeowners insurance provides structural coverage, similar to that of astandard homeowners policy. The amount of coverage is often based on the last known insurance coverage under the prior policy for the property and providesreplacement cost coverage on the property. It protects both the lender\u2019s interest and the borrower\u2019s interest and equity. We also provide real estate owned (\u201cREO\u201d)insurance, consisting of insurance on foreclosed properties managed by our clients.\nIn the majority of cases, we use proprietary insurance-tracking administration systems linked with the administrative systems of our clients to monitor clients\u2019mortgage portfolios to verify the existence of insurance on each mortgaged property and identify those that are uninsured. If there is a potential lapse in insurancecoverage, we begin a process of notification and outreach to both the homeowner and the last known insurance carrier or agent through phone calls and writtencorrespondence, which generally takes up to 90 days to complete. If coverage cannot be verified at the end of this process, the mortgage servicer procures a lender-placed policy. The process of tracking voluntary coverage - including determining whether voluntary coverage is in force, the policy limits in place, the perils insuredand the deductibles, and obtaining other required insurance related information - is part of our risk exposure management for our lender-placed insurance business.The exposure management process is needed in order to underwrite the risk we assume, to understand loss exposure and to communicate with appropriate parties,including the lender, insurance agent and homeowner. Our placement rates reflect the ratio of insurance policies placed to tracked hazard loans. The homeowneralways retains the option to obtain or renew the insurance of his or her choice.\nLender-placed manufactured housing insurance. Lender-placed manufactured housing insurance consists principally of fire and dwelling hazard insurance formanufactured housing offered through our lender-placed program. Lender-placed manufactured housing insurance is issued after an insurance tracking and exposuremanagement process similar to that described above. In most cases, tracking is performed using a proprietary insurance-tracking administration system.\nLender-placed flood insurance. Lender-placed flood insurance consists of flood insurance offered through our lender-placed program. It provides collateralprotection to lenders in mortgaged properties in the event a homeowner does not maintain required flood insurance. Lender-placed flood insurance is issued after aninsurance tracking and exposure management process similar to that described above.\nVoluntary insurance. We offer voluntary manufactured housing, condominium and homeowners insurance. Our voluntary insurance products generally providestructural, contents and liability coverage.\nRenters and Other: We provide renters insurance and other products, as described below.\nRenters insurance. We provide integrated solutions across the resident lifecycle. We offer renters insurance for a wide variety of single and multi-family rentalproperties, providing content protection for renters\u2019 personal belongings and liability protection for the property owners against renter-caused damage. We also offeran integrated billing and tracking platform for our clients and their customers. In addition, we provide tenant bonds as an alternative to security deposits, whichallows our\n8", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4785, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "e5cd098e-11e2-41d9-8c99-e8673c8f950c": {"__data__": {"id_": "e5cd098e-11e2-41d9-8c99-e8673c8f950c", "embedding": null, "metadata": {"page_label": "11", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "72cde5c4-8019-4211-9bdd-a06357933b89", "node_type": "4", "metadata": {"page_label": "11", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "90dd9b09cdbde64e14673ca2334b79a477da9724d2dae51cd10247f0f9f2d6e5", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "clients to offer a lower move-in cost option while minimizing the risk of loss from damages, and receivables management, which helps our clients to maximize thecollection of amounts owed by prior tenants.\nOther products. We are the second largest administrator for the U.S. government under the voluntary National Flood Insurance Program (the \u201cNFIP\u201d), forwhich we earn fees for collecting premiums and processing claims. This business is 100% reinsured to the U.S. government.\nDistribution and Clients\nGlobal Housing establishes long-term relationships with leading mortgage lenders and servicers, manufactured housing lenders, property managers, andfinancial, insurance and other institutions. Lender-placed insurance products are distributed primarily through mortgage lenders, mortgage servicers and financial andother institutions. The majority of our lender-placed agreements are exclusive. Typically, these agreements have terms of three to five years and allow us to integrateour systems with those of our clients. Renters products are distributed primarily through property management companies and affinity marketing partners. We offerour voluntary insurance programs primarily through manufactured housing lenders and retailers, along with independent specialty agents. Independent specialtyagents also distribute flood products and other property products.\nGlobal Housing is dependent on a few clients, and a reduction in business with or the loss of any one or more such clients could have a material adverse effecton our results of operations and cash flows. See \u201cItem 1A \u2013 Risk Factors \u2013 Business, Strategic and Operational Risks \u2013 Our revenues and profits may decline if weare unable to maintain relationships with significant clients, distributors and other parties, or renew contracts with them on favorable terms, or if those parties facefinancial, reputational or regulatory issues.\u201d\nOur Addressable Markets and Market Activity\nIn the lender-placed market, placement rates have increased in certain areas due to reduced availability of voluntary homeowners\u2019 insurance. We continue tomonitor the state of the overall housing market and the potential impact of loan modifications, forbearances and foreclosure delays, including the impact to REOvolumes. Should the housing market deteriorate for a prolonged period, we could experience a longer-term increase in our placement rates over time. In addition tothe overall market, our lender-placed results are also impacted by inflation and the costs of paying claims, and the mix of loans we service.\nThe U.S. renters insurance market is a growing market with new building development, high occupancy and favorable relocation trends. We believe there isopportunity to increase our market share and attachment rates with new and existing clients through our investments in digital platforms designed to deliver superior,digital-first customer experience and our expanded offerings to provide end-to-end solutions.\nRisk Management\nWe earn premiums on our insurance products and fees for our services. Our lender-placed insurance products are not underwritten on an individual policy basis.Contracts with our clients require us to issue these policies automatically when a borrower\u2019s insurance coverage is not maintained. These products are priced to factorin the additional risk from ensuring that all client properties have continuous insurance coverage. We monitor pricing adequacy based on a variety of factors andadjust pricing as required, subject to regulatory constraints, including through a built-in annual inflation guard feature. For additional risks relating to our GlobalHousing segment, please see \u201cItem 1A \u2013 Risk Factors\u201d, including \u201c\u2013 Financial Risks \u2013 We may be unable to accurately predict and price for claims and other costs,which could reduce our profitability\u201d and \u201c \u2013 Actual results may differ materially from the analytical models we use to assist in our decision-making in key areas suchas pricing, catastrophe risks, reserving and capital management\u201d therein.\nBecause several of our business lines (such as homeowners, manufactured housing and other property policies) are exposed to catastrophe risks, we purchasereinsurance coverage to reduce our financial exposure, protect capital, and mitigate earnings and cash flow volatility. Our reinsurance program generally incorporatesa provision to allow for the reinstatement of coverage, which provides protection against the risk of multiple catastrophes in a single year.\nFor 2023, our property catastrophe reinsurance program included U.S. per-occurrence catastrophe coverage providing $1.28 billion of protection in excess of a$125.0 million retention in the main reinsurance program for a first event, which decreases to $100.0 million for a second and third event. All layers of the programallow for one automatic reinstatement. When combined with the Florida Hurricane Catastrophe Fund, the U.S. program was covered for gross Florida losses of up toapproximately $1.58 billion. The 2023 catastrophe reinsurance program also included Caribbean catastrophe coverage providing up to $55.0 million, in excess of a$5.0 million retention.\nFor our 2024 catastrophe reinsurance program, underlying rates are favorable from improved reinsurance market conditions. We consolidated our reinsurancepurchase into a single placement date of April 2024. In this initial year of\n9", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5408, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "df2846e8-0fae-4ac9-8076-78de19a02b38": {"__data__": {"id_": "df2846e8-0fae-4ac9-8076-78de19a02b38", "embedding": null, "metadata": {"page_label": "12", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "bf921491-332a-431c-a235-205c1068d755", "node_type": "4", "metadata": {"page_label": "12", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e4f78d26b57ca5495790e5c72702dc147fb6fcd5cd89daf9e99e021b1550a1aa", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "b340775c-c6c8-40ef-a10a-f444686a553c", "node_type": "1", "metadata": {}, "hash": "57be6483c6772a8a30f5b89e4678f06418cfe2fb52d4bdc52f2222c5a78f0dbe", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "transition, we secured virtually all of our coverage by January 2024, including $1.38 billion of protection in excess of a $150.0 million retention. All layers of theprogram allow for one automatic reinstatement. The coverage amount from the Florida Hurricane Catastrophe Fund for the 2024 wind season will be finalized byJune 2024. We do not expect to purchase a Caribbean excess catastrophe treaty in 2024 due to greatly reduced exposure in the region.\nWe are also subject to non-catastrophe risk from isolated fire, water and wind damage, theft and vandalism, as well as general liability in renters andhomeowners policies. Losses are impacted by increases in inflation and supply chain disruptions that increase the cost of materials and labor required to settle claims.Please see \u201cItem 1A \u2013 Risk Factors \u2013 Business, Strategic and Operational Risks \u2013 Catastrophe and non-catastrophe losses, including as a result of climate changeand the current inflationary environment, could materially reduce our profitability and have a material adverse effect on our results of operations and financialcondition.\u201d\nSeasonality\nWe experience seasonal fluctuation in several of our lines of business, which are exposed to the risk of catastrophe and non-catastrophe losses. Catastropheevents such as hurricanes typically occur in the second half of the year, and may increase in frequency and severity due to climate change. We also experience someseasonal fluctuation in non-catastrophe weather-related claims that tend to occur in the first half of the year.\nCompetition\nOur businesses focus on supporting, protecting and connecting major consumer purchases. Although we face global competition in each of our businesses, webelieve that no single competitor competes against us in all of our business lines. Across Global Lifestyle and Global Housing, we compete for business, clients,customers, agents and other distribution relationships with many insurance companies, warranty and protection companies, financial services companies, mobiledevice repair and logistics companies, technology and software companies and specialized competitors that focus on one market, product or service. We must respondto the threat of disruption by traditional players, as well as from new entrants, such as \u201cInsurtech\u201d start-up companies and others. Competition in each business isbased on a number of factors, including scope of products and services offered, ability to tailor products and services to client and consumer needs, product featuresand terms, pricing, technology offerings, diversity of distribution resources, brand recognition, costs, financial strength and ratings, resources, and quality of service,including speed of claims payment and the overall customer experience. The relative importance of these factors varies by product and market. To remain competitivein many of our businesses, we must also anticipate and respond effectively to changes in customer preferences, new industry standards, evolving distribution models,disruptive technology developments and alternate business models. For further information on the risks associated with competition, see \u201cItem 1A \u2013 Risk Factors \u2013Business, Strategic and Operational Risks \u2013 Significant competitive pressures, changes in customer preferences and disruption could adversely affect our results ofoperations.\u201d\nHuman Capital Resources\nA cornerstone of Assurant is the employees who bring our purpose, values and commitments to life each day for the millions of customers we serve worldwide.We believe in fostering a diverse, equitable and inclusive culture to drive sustained profitable growth through innovation. We regularly evaluate our policies,practices and programs to ensure we continue to attract, develop and retain the best talent to support our strategy. This includes ongoing investments in competitivetotal rewards and wellbeing offerings, and providing programs for learning, development and engagement, while continuously enhancing the experience of ouremployees who are critical to our long-term success.\nAs of December 31, 2023, Assurant had approximately 13,600 employees in 21 countries representing 68 nationalities. Our diverse workforce spans a widerange of roles and skills to further our vision of supporting the advancement of the connected world. While 77% of our employee base was located in North America,we continued to expand our presence in key international markets across Europe, Latin America and Asia Pacific to support our increasingly global client portfolio.As of December 31, 2023, approximately 63% of our employees were frontline workers, predominantly in hourly roles such as customer care, claims administration,mobile repair and logistics. The remaining 37% were in managerial roles, predominantly salaried employees engaged in an array of business and support functions.As of December 31, 2023, 60% of our global workforce identified as female. In the U.S., our largest market, women accounted for 62% of employees while otherunderrepresented minority groups accounted for 54% of our domestic workforce.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5098, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "b340775c-c6c8-40ef-a10a-f444686a553c": {"__data__": {"id_": "b340775c-c6c8-40ef-a10a-f444686a553c", "embedding": null, "metadata": {"page_label": "12", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "bf921491-332a-431c-a235-205c1068d755", "node_type": "4", "metadata": {"page_label": "12", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e4f78d26b57ca5495790e5c72702dc147fb6fcd5cd89daf9e99e021b1550a1aa", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "df2846e8-0fae-4ac9-8076-78de19a02b38", "node_type": "1", "metadata": {"page_label": "12", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "706cc3b2fd27ca661a087f4cd8c98f3f6d0db4b7801ea5aa45e214e8e4f101a6", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "We continue to promote a more diverse and inclusive workforce across all levels ofthe Company in support of our business strategy.\nFor full-year 2023, our global turnover rate was 18%, reflecting our blended workforce of frontline and managerial roles; turnover for managerial and salariedroles was 7%, and turnover for frontline employees was 24%, which is typically higher given the nature of the roles. The turnover rate for both managerial andfrontline employees improved by 3 and 8 percentage points, respectively, year-over-year. Overall, this is attributed to ongoing actions to identify and remediate talentrisks and enhance the employee experience as well as signs of stabilization in select labor markets.\n10", "mimetype": "text/plain", "start_char_idx": 5099, "end_char_idx": 5817, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "82ae5aa9-b531-4299-af47-214919fb82dc": {"__data__": {"id_": "82ae5aa9-b531-4299-af47-214919fb82dc", "embedding": null, "metadata": {"page_label": "13", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "f2b1617c-ed8e-4fa5-b1e8-c84ba222d102", "node_type": "4", "metadata": {"page_label": "13", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "03d9ac8bc54264209f6489e5f15833e05d57aa627fb33032329a41d84fd21c70", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "308e58a2-7ed3-4c45-97f2-99a1beaa43ab", "node_type": "1", "metadata": {}, "hash": "4127ca6b4f13905ea02c8e27da164d6feb56609f99ee255460430525e49e82c6", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The Board, through the Compensation and Talent Committee, oversees the significant human capital management programs of Assurant, which are led byAssurant\u2019s Chief Executive Officer (\u201cCEO\u201d), its Chief Operating Officer and Chief People Officer.\nAttracting, developing and retaining the best talent globally is key to our success in sustaining long-term profitable growth. In November 2023, we realignedour executive team to support the execution of our growth strategy with the appointment of Keith Meier as Chief Financial Officer and Francesca Luthi as ChiefOperating Officer. Also, we expanded our Management Committee, effective January 2024 to broaden leadership expertise and depth in the areas of financial, humancapital and technology strategy. These appointments further underscored our deep talent pool and robust succession bench.\nOur talent strategy is focused on employee engagement and investments in programs to support career development, as well as recognizing and rewardingperformance. We believe these programs and opportunities create a diverse pipeline of talent and leadership necessary to drive and deliver on our long-term strategy.As part of our talent strategy, we have established Global Capabilities Centers, or global talent hubs in key markets, to leverage our global scale and access to diverseand best-in-class talent. We believe this advances our operating model, creates new capacity for client growth and existing client work, fosters innovation, andenables talent to focus on customer experiences in key attractive markets.\nWe regularly engage with our employees to seek feedback through an array of forums and channels, including one-on-one discussions with managers,interactive townhall meetings, targeted employee surveys and our enterprise-wide listening program designed to expand opportunities for anonymous, real-timefeedback between managers and employees. Key topics covered include our culture, diversity, equity and inclusion, learning and development, compensation,benefits, wellbeing and recognition. Based on employee feedback, action plans are implemented to address gaps or to further enhance employee satisfaction inalignment with our overall human capital strategy.\nResults from our most recent listening program concluded in June 2023 benefited from strong employee participation and showed improvement above the prioryear and generally above relevant industry benchmarks. Overall, the survey highlighted that employees generally feel engaged and aligned with the Company\u2019spriorities. In many areas, such as mental wellbeing, recognition and freedom of opinion, results trended more favorably against our 2022 engagement survey and at orabove comparable industry benchmarks. The 2023 results reinforced that our culture is a differentiator and strengths identified last year in the areas of overallengagement, goal setting, management support, work environment and flexibility, and diversity and inclusion continue to trend positively. Areas for continuingimprovement include career development opportunities and managing workload. We will continue to develop actions plans in areas for improvement and monitor ourprogress each year.\nFostering Diversity, Equity and Inclusion\nAt Assurant, we believe diversity, equity and inclusion (\u201cDE&I\u201d) fosters innovation and creates growth opportunities by strengthening employee engagementfor the benefit of our stakeholders. We believe diverse teams and inclusive cultures perform better by improving our ability to respond to the changing globalmarketplace and social landscape.\nWe are committed to gender, racial and ethnic diversity at all levels of the Company. As of December 31, 2023, those identifying as women comprised 60% ofour global workforce, 43% at the managerial levels, 11% at the Assurant Management Committee level and 31% of our Board; and 54% of our U.S. workforce, 45%at the managerial levels, 22% at the Assurant Management Committee level and 31% of our Board identified as racially or ethnically diverse. Four of the Company\u2019sdiverse directors held Board Chair and committee chair roles.\nAs of January 1, 2024, the Assurant Management Committee was expanded to support its global growth strategy and as a result, women now comprise 17% ofthe executive leadership team and 25% identify as racially or ethnically diverse, underscoring our commitment to expand diverse representation among seniorleadership.\nWe are committed to continuing to increase representation and engagement of underrepresented groups within Assurant. Our Chief Operating Officer has directoversight and responsibility for our DE&I strategy, along with our SVP, Sustainability and Communications. Additionally, the Nominating and Corporate GovernanceCommittee is committed to including women and minority candidates in the pool of qualified candidates from which Board nominees are chosen and will continue toreview its processes and procedures to ensure that diverse candidates are included.\nWe recruit talent in diverse communities, including through strategic and educational partnerships that bring greater visibility and expertise.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5125, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "308e58a2-7ed3-4c45-97f2-99a1beaa43ab": {"__data__": {"id_": "308e58a2-7ed3-4c45-97f2-99a1beaa43ab", "embedding": null, "metadata": {"page_label": "13", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "f2b1617c-ed8e-4fa5-b1e8-c84ba222d102", "node_type": "4", "metadata": {"page_label": "13", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "03d9ac8bc54264209f6489e5f15833e05d57aa627fb33032329a41d84fd21c70", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "82ae5aa9-b531-4299-af47-214919fb82dc", "node_type": "1", "metadata": {"page_label": "13", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f842d5adbc81adc9b518d3934aa84331806fff473394ae033352e99578b1bbf2", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "We continue tostrengthen our recruiting and talent practices to identify and remove inherent biases that could influence outcomes, including ongoing enterprise-wide diversitytraining and diverse slate and interviewing requirements for all managerial and above job openings. We are focused on inclusion through global programming thatspotlights the experiences of underrepresented groups. In 2023, we launched two additional Employee Resource Groups (five in total) to provide forums foremployees to raise topics that are important to underrepresented groups. All Employee Resource Groups are chaired by members of our Management Committee orsenior leaders to reinforce commitment and engagement at the highest levels of the company. To augment local initiatives, we sponsored an enterprise-wide diversityand inclusion mentorship\n11", "mimetype": "text/plain", "start_char_idx": 5126, "end_char_idx": 5957, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "a1d935a7-84d8-4166-8e0a-0f14dea48d94": {"__data__": {"id_": "a1d935a7-84d8-4166-8e0a-0f14dea48d94", "embedding": null, "metadata": {"page_label": "14", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3beb1387-1035-4bfb-a14d-700cb57a467e", "node_type": "4", "metadata": {"page_label": "14", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "dbfb8e63bf19b5a8ed75ca42f53754e684437a7f230bdddbea18d2e443e54620", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "program. In the marketplace, we support social justice causes through the Assurant Foundation and we partner with nonprofit organizations to provide leadershipdevelopment opportunities.\nIn 2023, we strengthened our commitment to disability inclusion, and our President and CEO, Keith Demmings, signed the Disability:IN Pledge. Disability:INis a leading nonprofit resource for disability inclusion globally and one of our current DE&I strategic partners.\nWe also expanded our employees\u2019 participation in targeted development programs for women and underrepresented groups including representation at variousHACE (Hispanic Alliance for Career Enhancement), ELC (Executive Leadership Council), LEAP (Leadership Acceleration Program) and Disability:IN forums.\nPay Equity\nAssurant is committed to pay equity. Our compensation practices and programs consider a variety of factors designed to set fair and equitable compensationlevels. We take a holistic approach to evaluating and aligning roles with compensation levels based on job responsibilities, market competitiveness, geographicallocation, strategic importance of roles and other relevant factors. We periodically evaluate our compensation practices and for the last several years have engaged in amulti-step process to ensure that we are compensating equitably across employees performing similar job responsibilities. Results from our last review completed in2023, which examined base pay for U.S.-, U.K.-, Argentina- and Canada-based employees, confirmed that we are fairly administering pay and see no evidence ofsystemic and material pay equity issues across demographic groups for substantially similar roles. In addition, we evaluated short-term incentive pay percentageranges for the U.S. population enrolled in the short-term incentive plan and determined that those are fair and equitable. We expect to continue to assesscompensation practices annually and remain committed to remediate any significant pay disparities we may discover. We also continue to monitor and adjust marketwages as necessary to ensure we provide competitive wages, consistent with our ongoing compensation practices.\nWe remain committed to investing in our people through competitive rewards and development opportunities. We continued to reward high performers andinvest in merit increases, allocating more funding to front-line employees in recognition of the disproportionate impact of the current challenging economicenvironment. We have advanced our commitment to pay transparency, particularly in North America, by providing employees with base salary ranges for their roleand grade beginning in 2023.\nTotal Rewards and Wellbeing\nWe are committed to the health and safety of our employees as we believe the success of our business is directly connected to their wellbeing. In addition toproviding robust compensation and benefits programs and opportunities to invest in their financial future, we offer employees and their families access to a variety ofhealth and wellness programs. Our Total Rewards programs help to provide protection and security related to events that may require time away from work or thatimpact their financial wellbeing, such as paid time off, family leave, family care resources and flexible work schedules. Our Global Employee Assistance Planprovides additional support to help employees and their families access critical resources for their wellbeing, including financial, social, physical and mental health.\nTo further promote wellbeing, Assurant introduced the Virgin Pulse global wellbeing platform allowing employees to personalize their unique wellbeing goalswith access to tools, activities and ways to stay engaged and accountable for building healthy habits. Assurant also included access to the Headspace App as a no-costbenefit for all global employees, which is an additional resource for managing stress and helping to find better balance.\nWe regularly benchmark our Total Rewards against companies of similar size and industries to ensure our offerings remain competitive and solicit employeefeedback on the evolving needs of our workforce. We conducted employee focus groups that helped validate that recommended plan changes for 2023 met the needsof our diverse workforce particularly around predictability and affordability of health care costs. Additionally, there were several enhancements to benefits starting in2024, such as increased employer contributions, expanded plan offerings and more affordable virtual care and mental health access. Assurant also introduced an HRvirtual assistant to provide easy access to routine questions employees raise with the goal of improving their experience as an employee. We will continue to assessadditional opportunities across Total Rewards and Wellbeing to help attract and retain top talent.\nRecognizing the benefit of flexible work arrangements for our business, customers and employees, we continued to enable a long-term shift to a hybrid workmodel to support our business and talent strategy. A majority of our employees work virtually on a full-time or part-time basis and while we will continue toencourage purposeful in-person engagement to support our culture, team development and product innovation, we believe our hybrid work model will remain a keycompetitive advantage to support the evolving needs of our customers and employees. Within this hybrid environment, we introduced a new framework to supportenterprise engagement. We accelerated our ongoing real estate consolidation to support work-from-home arrangements given our increasingly hybrid workforce,while making necessary investments in key facilities and markets to support the long-term strategy of the Company.\n12", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5724, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "f5d8825b-4023-44b5-ae7e-daa920993f3e": {"__data__": {"id_": "f5d8825b-4023-44b5-ae7e-daa920993f3e", "embedding": null, "metadata": {"page_label": "15", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "468c207c-9200-4707-b2c4-faec0e7cb28e", "node_type": "4", "metadata": {"page_label": "15", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "8a3339aac1ea153971aa87cb7c3d576e606a3097658083ae35d69a5c1d833512", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Learning and Development\nLearning and development are essential to Assurant\u2019s success. We continually invest in our employees\u2019 career growth and provide employees with a wide rangeof training and development opportunities, including face-to-face, virtual and self-directed learning, mentoring and external development opportunities through aportfolio of initiatives called Leading the Way, which is designed to unlock the potential of our talent to achieve our vision and purpose. Leading the Way is intendedto further grow skills, capabilities and careers to impact engagement, performance and drive results. Strengthening employees\u2019 leadership, technical and professionalskills to broaden career opportunities, while also reinforcing a culture of strong ethics and compliance, are primary focus areas. We continue to implement keyinitiatives to increase adoption of new technology and processes by providing both learning tools and change support, furthering our focus on a digital-first mindset.In 2023, we secured partnerships with leading industry tools to provide all employees with access to a virtual mentor to further develop professional and managerialskills. This also included specific access for technology employees to immerse in technology labs and assessments as we look to expand critical skills in this area.Additionally, Assurant assists employees in the pursuit of undergraduate and graduate degrees, certifications and continuing education required by certainprofessional organizations.\nWe have adapted our learning and development programs and delivery modes to meet the varying needs of our business and our predominantly virtualworkforce. We provide a broad array of training on topics such as managing virtual and hybrid teams, mental health awareness and building resilience, managerialskills, and diversity and inclusion. In 2023, we also enhanced our internal career site to support employees in discovering new job opportunities as they becomeavailable.\nSuccession Planning\nAn important element of our talent strategy is succession planning and building diverse leadership pipelines for our most critical roles across the organization.\nWe assess the performance and potential of current incumbents, identify and assess potential successors, and create targeted development plans to strengthen thepreparedness and diversity of our talent pipeline. Annually, we conduct a comprehensive talent review to discuss potential successors of our Management Committeeand other key leadership roles, as well as a broader group of top talent as we look to ensure better visibility into our strengths and opportunities for prioritized roles.In 2023, we engaged an external partner to assess skills and strength of the overall succession pool. The Board and the Compensation & Talent Committee annuallyreview the CEO succession plan and succession plans for senior executives, which includes emergency successors for each role, with the goal to ensure we have theright leadership in place to execute the Company\u2019s long-term strategic plans.\nFor more information on our human capital resources, please refer to our most recent Sustainability Report available at https://www.assurant.com/our-story/sustainability and our most recent Proxy Statement available at ir.assurant.com. The information found on our website and in such reports is not incorporatedby reference into and does not constitute a part of this Report.\nIntellectual Property\nWe rely on a combination of contractual rights and patents, trademarks, copyrights and trade secrets to establish and protect our intellectual property. Weregularly file patent and trademark applications to protect innovations arising from our research, development, design and marketing. We own a number of patentsand pending applications relating to technical innovations. In addition, we have a trademark portfolio that we consider important in the marketing of our products andservices, including the \u201cAssurant\u201d brand name.\nOver time, we have accumulated a sizeable portfolio of issued and registered intellectual property rights around the world, and seek to protect it againstinfringement. No single intellectual property right is solely responsible for protecting our products and services. We have also entered into agreements that permitother companies to use certain of our patents and trademarks.\nWe believe the duration of our intellectual property rights is adequate relative to the expected lives of our products and services. Patents are of varying durationdepending on the filing date, and will typically expire at the end of their natural term. The duration of trademark registrations may be renewed indefinitely, subject tocountry-specific use and registration requirements. For risks relating to our intellectual property, see \u201cItem 1A \u2013 Risk Factors \u2013 Legal and Regulatory Risks \u2013 Ourbusiness is subject to risks related to litigation and regulatory actions.\u201d\nRatings \nIndependent rating organizations periodically review the financial strength of insurers, including many of our insurance subsidiaries. Financial strength ratingsrepresent the opinions of rating agencies regarding the ability of an insurance company to meet its financial obligations to policyholders and contract holders. Theseratings are not applicable to our common stock or debt securities. Ratings are an important factor in establishing the competitive position of insurance companies.\n13", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5437, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "e580527a-290e-4dfe-a095-7528f3ddd820": {"__data__": {"id_": "e580527a-290e-4dfe-a095-7528f3ddd820", "embedding": null, "metadata": {"page_label": "16", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "e6cbe19e-9b2d-4456-93b6-06e003ecc720", "node_type": "4", "metadata": {"page_label": "16", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "98266a89c09d35b0fe99ed2c585e73d9a842fe9db2c7eba4815653830d2291cf", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Rating agencies also use an \u201coutlook statement\u201d of \u201cpositive,\u201d \u201cstable,\u201d \u201cnegative\u201d or \u201cdeveloping\u201d to indicate a medium- or long-term trend in creditfundamentals which, if continued, may lead to a rating change. A rating may have a stable outlook to indicate that the rating is not expected to change; however, astable outlook does not preclude a rating agency from changing a rating at any time, without notice.\nMost of our domestic operating insurance subsidiaries are rated by A.M. Best Company (\u201cA.M. Best\u201d). In addition, three of our domestic operating insurancesubsidiaries are rated by Moody\u2019s Investors Service, Inc. (\u201cMoody\u2019s\u201d) and S&P Global Ratings, a division of S&P Global Inc. (\u201cS&P\u201d). The ratings issued on ouroperating insurance subsidiaries by these agencies are announced publicly and are available from the agencies.\nFor information on the risks associated with ratings downgrades, see \u201cItem 1A \u2013 Risk Factors \u2013 Financial Risks \u2013 A decline in the financial strength ratings ofour insurance subsidiaries could adversely affect our results of operations and financial condition.\u201d\nThe following table summarizes the financial strength ratings and outlooks of our domestic operating insurance subsidiaries as of December 31, 2023:\nA.M. Best (1) Moody\u2019s (2) S&P (3)\nCompanyAmerican Bankers Insurance Company of Florida A+ A2  AAmerican Bankers Life Assurance Company of Florida A A2  A\nAmerican Security Insurance Company A+ A2  ACaribbean American Life Assurance Company A  N/A  N/ACaribbean American Property Insurance Company A+  N/A  N/A\nReliable Lloyds Insurance Company A+  N/A  N/AStandard Guaranty Insurance Company A+  N/A  N/AVirginia Surety Company, Inc. A+  N/A  N/A\nVoyager Indemnity Insurance Company A+  N/A  N/A\n(1) A.M. Best financial strength ratings range from \u201cA+\u201d (superior) to \u201cD\u201d (poor). A second \u201c+\u201d or a \u201c-\u201d may be appended to ratings from categories A+ to C to indicate relative position within a category.Ratings of A+ fall under the \u201csuperior\u201d category, which is the highest of A.M. Best\u2019s seven ratings categories, while ratings of A fall under the \u201cexcellent\u201d category, which is the second highest of A.M.Best\u2019s seven ratings categories. A.M. Best has a stable outlook on all of our domestic operating insurance subsidiaries\u2019 financial strength ratings.(2) Moody\u2019s insurance financial strength ratings range from \u201cAaa\u201d (highest quality) to \u201cC\u201d (lowest rated). A numeric modifier may be appended to ratings from \u201cAa\u201d to \u201cCaa\u201d to indicate relative positionwithin a category, with 1 being the highest and 3 being the lowest. A rating of A2 is considered \u201cupper-medium-grade\u201d and falls within the third highest of Moody\u2019s nine ratings categories. Moody'shas a stable outlook on all of our domestic operating insurance subsidiaries\u2019 insurance financial strength ratings.(3) S&P\u2019s insurer financial strength ratings range from \u201cAAA\u201d (extremely strong) to \u201cD\u201d (general default). A \u201c+\u201d or \u201c-\u201d may be appended to ratings from categories AA to CCC to indicate relativeposition within a category. Ratings of A (strong) are within the third highest of S&P\u2019s nine ratings categories. S&P has a stable outlook on all of our domestic operating insurance subsidiaries\u2019 insurerfinancial strength ratings.\nRegulation\nWe are subject to extensive federal, state and international regulation and supervision in the jurisdictions in which we do business. Regulations vary fromjurisdiction to jurisdiction.\nThe following is a summary of significant regulations that apply to our businesses, but is not intended to be a comprehensive review of every regulation to\nwhich we are subject. For information on the risks associated with regulations applicable to us, see \u201cItem 1A \u2013 Risk Factors \u2013 Business, Strategic and Operational\nRisks\u201d, \u201cItem 1A \u2013 Risk Factors \u2013 Technology, Cybersecurity and Privacy Risks\u201d and \u201cItem 1A \u2013 Risk Factors \u2013 Legal and Regulatory Risks.\u201d\n14", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3888, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "25214e03-95f8-47ad-a38e-a5798305eba9": {"__data__": {"id_": "25214e03-95f8-47ad-a38e-a5798305eba9", "embedding": null, "metadata": {"page_label": "17", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "c1bc6c94-1c2a-4bb7-9d5a-8b9a43315ea1", "node_type": "4", "metadata": {"page_label": "17", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "09b2e692621ae48934b483fc72344995889fb578dab0afdd720d2b3ad9e8209c", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Holding Company Insurance Regulations\nUnder applicable insurance holding company regulations, no person may acquire a controlling interest in the Company or any of our insurance companysubsidiaries, unless such person has obtained prior regulatory approval for such acquisition. Under these laws, \u201ccontrol\u201d is presumed when any person acquires orholds, directly or indirectly, 10% or more of our common stock or of the voting securities of any of our insurance company subsidiaries. To obtain approval, theproposed acquiror must file an application with the relevant regulator. For more information on the risks associated with holding company insurance regulations, see\u201cItem 1A \u2013 Risk Factors \u2013 General Risk Factors \u2013 Applicable laws and our certificate of incorporation and by-laws may discourage takeovers and businesscombinations that some stockholders might consider to be in their best interests.\u201d\nU.S. Insurance Regulation\nWe are subject to the insurance holding company laws in the states and territories where our insurance companies are domiciled. These laws generally requireinsurance companies within the insurance holding company system to register with the insurance departments of their respective states and territories of domicile andfurnish reports to such insurance departments regarding capital structure, ownership, financial condition, risk management, corporate governance, general businessoperations and intercompany transactions. These laws also require that transactions between affiliated companies be fair and equitable. In addition, certainintercompany transactions, changes of control, certain dividend payments and certain transfers of assets between the companies within the holding company systemare subject to prior notice to, or approval by, regulatory authorities in such states and territories.\nWe are licensed to sell insurance through our insurance subsidiaries in all 50 states, Puerto Rico and the District of Columbia. Like all U.S. insurancecompanies, our insurance subsidiaries are subject to regulation and supervision in the jurisdictions where they do business. In general, these regulations are designedto protect the interests of policyholders, and not necessarily the interests of shareholders and other investors. To that end, the laws of the various jurisdictionsestablish insurance departments with broad powers with respect to such things as:\n\u2022 licensing;\n\u2022 capital, surplus and dividends;\n\u2022 underwriting requirements and limitations (including, in some cases, minimum or target loss ratios);\n\u2022 entrance into and exit from markets;\n\u2022 introduction, cancellation and termination of certain coverages;\n\u2022 statutory accounting and annual statement disclosure requirements;\n\u2022 product types, policy forms and mandated insurance benefits;\n\u2022 premium rates;\n\u2022 fines, penalties and assessments;\n\u2022 claims practices, including occasional regulatory requirements to pay claims on terms other than those mandated by underlying policy contracts;\n\u2022 transactions between affiliates;\n\u2022 the form and content of disclosures to consumers;\n\u2022 the type, amounts and valuation of investments;\n\u2022 annual tests of solvency and reserve adequacy;\n\u2022 assessments or other surcharges for guaranty funds and the recovery of assessments through premium increases; and  \n\u2022 market conduct and sales practices of insurers and agents.\nRisk-Based Capital Requirements. In order to enhance the regulation of insurer solvency, the National Association of Insurance Commissioners (the \u201cNAIC\u201d)has established certain risk-based capital (\u201cRBC\u201d) standards applicable to life, health and property and casualty insurers. RBC, which regulators use to assess thesufficiency of an insurer\u2019s statutory capital, is calculated by applying factors to various asset, premium, expense, liability and reserve items. Factors are higher foritems that the NAIC views as having greater underlying risk. The NAIC periodically reviews the RBC formula and changes to the formula could occur in the future.\nIn December 2020, the NAIC adopted a group capital calculation tool using an RBC aggregation methodology for all entities within the insurance holdingcompany system, including non-U.S. entities. The goal is to provide U.S. regulators with a method to aggregate the available capital and the minimum capital of eachentity in a group in a way that applies to all groups\n15", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4364, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "6f776f80-8666-4979-bed0-e3b51e89fe8e": {"__data__": {"id_": "6f776f80-8666-4979-bed0-e3b51e89fe8e", "embedding": null, "metadata": {"page_label": "18", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "14dbb574-ebdd-4c59-9030-4fa6a5d80bc0", "node_type": "4", "metadata": {"page_label": "18", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "81e1a2b8f29270c4c80d2a7b0a52be414fb82123b666dfbbe5a3e27a957ce03e", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "335496b1-8a53-40cd-9a19-7f1ffe3b7fd5", "node_type": "1", "metadata": {}, "hash": "27877176d1ebfbf5f376dd512733c1e90addccc5f49bb8189c251d9475bfa69f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "regardless of their structure in order to identify risks that may emanate from an insurer\u2019s holding company system. The NAIC has stated that the calculation will be aregulatory tool and will not constitute a requirement or standard. State legislatures began adoption of the group capital calculation model regulations in 2021 and stateadoption is expected to continue in 2024.\nInvestment Regulation. Insurance company investments must comply with applicable laws and regulations that govern the kind, quality and concentration ofinvestments made by insurance companies. These regulations require diversification of insurance company investment portfolios and limit the amount of investmentsin certain asset categories.\nFinancial Reporting. Regulators closely monitor the financial condition of licensed insurance companies. Our insurance subsidiaries are required to fileperiodic financial reports with insurance regulators. Moreover, states and territories regulate the form and content of these statutory financial statements.\nProducts and Coverage. Insurance regulators have broad authority to regulate many aspects of our products and services. Additionally, certain non-insuranceproducts and services we offer, such as service contracts, may be regulated by regulatory bodies other than departments of insurance and may be subject to consumerprotection laws.\nPricing and Premium Rates. Nearly all states and territories have insurance laws requiring insurers to file price schedules and policy forms with the state\u2019s orterritory\u2019s regulatory authority. In many cases, these price schedules and/or policy forms must be approved prior to use, and state and territory insurance departmentshave the power to disapprove increases or require decreases in the premium rates we charge.\nMarket Conduct Regulation. Activities of insurers are highly regulated by state and territory insurance laws and regulations, that govern the form and content ofdisclosure to consumers, advertising, sales practices and complaint handling. State and territory regulatory authorities enforce compliance through periodic marketconduct examinations.\nGuaranty Associations and Indemnity Funds. Most states and territories require insurance companies to support guaranty associations or indemnity funds,which are established to pay claims on behalf of insolvent insurance companies. These associations may levy assessments on member insurers. In some states andterritories, member insurers can recover a portion of these assessments through premium tax offsets and/or policyholder surcharges.\nInsurance Regulatory Initiatives. The NAIC, state and territory regulators and professional organizations have considered and are considering various proposalsthat may alter or increase state and territory authority to regulate insurance companies and insurance holding companies. For example, in 2021, the NAIC adopted theNAIC Real Property Lender-Placed Insurance Model Act (the \u201cLPI Model Act\u201d). The LPI Model Act governs the insurance that a mortgage servicer obtains when aborrower fails to obtain or maintain required insurance. Several states have enacted legislation that mirrors the LPI Model Act, and we expect more states to adoptsimilar legislation in 2024. See \u201cItem 1A \u2013 Risk Factors \u2013 Legal and Regulatory Risks \u2013 Changes in insurance regulation may reduce our profitability and limit ourgrowth\u201d for a discussion of the risks related to such initiatives.\nFederal Regulation\nAlthough our business in the United States is primarily regulated by the states, federal initiatives often have an impact on our business in a variety of ways.Impacted areas include financial services regulation, privacy, tort reform legislation and taxation. In addition, various forms of direct and indirect federal regulationof insurance have been proposed from time to time, including proposals for the establishment of an optional federal charter for insurance companies. See \u201cItem 1A \u2013Risk Factors \u2013 Legal and Regulatory Risks \u2013 Our business is subject to risks related to litigation and regulatory actions.\u201d\nEmployee Retirement Income Security Act. We are subject to regulation under the Employee Retirement Income Security Act of 1974, as amended (\u201cERISA\u201d).ERISA places certain requirements on how we may administer employee benefit plans covered by ERISA. Among other things, regulations under ERISA setstandards for certain notice and disclosure requirements and for claim processing and appeals.\nGramm-Leach-Bliley Act. Certain of our activities are subject to the privacy requirements of the Gramm-Leach-Bliley Act, which, along with regulationsadopted thereunder, generally requires insurers to provide customers with notice regarding how their nonpublic personal financial information is used and theopportunity to \u201copt out\u201d of certain disclosures, if applicable.\nDodd-Frank Wall Street Reform and Consumer Protection Act. Regulations under the Dodd-Frank Wall Street Reform and Consumer Protection Act (the\u201cDodd-Frank Act\u201d) address mortgage servicers\u2019 obligations to correct errors asserted by mortgage loan borrowers; provide certain information requested by suchborrowers; and provide protections to such borrowers in connection with lender-placed insurance. These requirements affect our operations because, in manyinstances, we administer such operations on behalf of our mortgage servicer clients.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5376, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "335496b1-8a53-40cd-9a19-7f1ffe3b7fd5": {"__data__": {"id_": "335496b1-8a53-40cd-9a19-7f1ffe3b7fd5", "embedding": null, "metadata": {"page_label": "18", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "14dbb574-ebdd-4c59-9030-4fa6a5d80bc0", "node_type": "4", "metadata": {"page_label": "18", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "81e1a2b8f29270c4c80d2a7b0a52be414fb82123b666dfbbe5a3e27a957ce03e", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "6f776f80-8666-4979-bed0-e3b51e89fe8e", "node_type": "1", "metadata": {"page_label": "18", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "772344046d5f42a41b12527e53e7ddb15f912d76b3abef9fea22141712c9e153", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "While the Consumer Financial Protection Bureau (the \u201cCFPB\u201d) does not havedirect jurisdiction over insurance products, it is possible that additional regulations promulgated by the CFPB may extend its authority more broadly to cover theseproducts and others we offer and thereby affect us or our clients. In addition, the Dodd-Frank Act created the Federal Insurance Office (\u201cFIO\u201d) within the U.S.Department of the Treasury (\u201cU.S. Treasury\u201d). While the FIO does not have general supervisory or regulatory authority over the business of insurance, the FIOdirector performs various functions with respect to insurance, including monitoring the insurance sector and representing the\n16", "mimetype": "text/plain", "start_char_idx": 5377, "end_char_idx": 6058, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "c6bd7dc2-4b00-4629-9da0-efed00966f7d": {"__data__": {"id_": "c6bd7dc2-4b00-4629-9da0-efed00966f7d", "embedding": null, "metadata": {"page_label": "19", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "c26626f8-e12b-4117-a15d-7134382a523a", "node_type": "4", "metadata": {"page_label": "19", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "8b32f4c827630f545545ddbb74c71cc83395213ec72353979d8aa030f13dac53", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "e92d08dd-e3ef-45ed-80ed-92e39a48291c", "node_type": "1", "metadata": {}, "hash": "e8477ffade85f456bb49fd0e5a62e8e8478b408e2ab2b81e3726da6306baaa19", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "U.S. on prudential aspects of international insurance matters, including at the International Association of Insurance Supervisors (\u201cIAIS\u201d). Additional regulations ornew requirements may emerge from the activities of these regulatory entities.\nTax Reform. In 2022, the Inflation Reduction Act (the \u201cIRA\u201d) introduced a 15% corporate alternative minimum tax for corporations that report an averageannual adjusted income of more than $1 billion for a period of three consecutive years and a 1% excise tax on corporate share repurchases, among other things. Wecurrently expect the impact of the IRA provisions for the alternative minimum tax and excise tax to be de minimis.\nIn addition, the Organization for Economic Co-operation and Development\u2019s (\u201cOECD\u201d) efforts around Global Pillars I and II dealing with possible new digitaltaxes and global minimum taxes could increase the Company\u2019s overall tax burden, adversely impacting the Company\u2019s business, results of operations and financialcondition. As part of the OECD\u2019s Pillar II rules, the OECD recommended a 15% global minimum tax on adjusted financial reported income. Many jurisdictions,including Japan, the European Union, and the United Kingdom, have adopted or plan to adopt Pillar II for tax years beginning in 2024. The overall impact of theOECD\u2019s Global Pillars to the Company are uncertain due to the ambiguities in the application of certain provisions, the impact of future guidance, and interpretationsor rules issued by government agencies. For more information, see \u201cItem 1A \u2013 Risk Factors \u2013 Legal and Regulatory Risks \u2013 Changes in tax laws and regulationscould have a material adverse impact on our results of operations and financial condition.\u201d\n International Regulation\nWe are subject to regulation and supervision of our international operations in various jurisdictions. These regulations, which vary depending on thejurisdiction, include, among others, anti-corruption laws; solvency and market conduct regulations; various privacy, insurance, tax, tariff and trade laws andregulations; and corporate, employment, intellectual property and investment laws and regulations. We operate in various jurisdictions, including Canada, the U.K.,France, Argentina, Australia, Brazil, Chile, Peru, Colombia, Germany, India, the Netherlands, New Zealand, Puerto Rico, Spain, Italy, Mexico, Japan, South Korea,China and Singapore, and, in several of these jurisdictions, our businesses are supervised by local regulatory authorities. In fourth quarter 2023, we made the decisionto fully exit our operations in mainland China (other than Hong Kong). See Note 6 to the Consolidated Financial Statements included elsewhere in this Report formore information.\nIn the past few years, the IAIS developed a model common framework for the supervision of Internationally Active Insurance Groups (\u201cIAIGs\u201d), whichincludes group-wide supervisory oversight across national boundaries and the establishment of ongoing supervisory colleges (\u201cComFrame\u201d). ComFrame applies toentities that meet the IAIS\u2019s criteria for IAIGs and that are so designated by their group-wide supervisor. The NAIC previously adopted changes to the ModelInsurance Holding Company System Regulatory Act to allow state insurance regulators in the U.S. to be designated as group-wide supervisors for U.S.-based IAIGs.While we do not currently meet the criteria for IAIG designation, we are monitoring developments of reforms adopted by the IAIS as they influence NAIC activities,including those related to risk and group capital oversight.\nSecurities and Corporate Governance Regulation  \nAs a company with publicly-traded securities, we are subject to certain legal and regulatory requirements applicable generally to public companies, includingthe rules and regulations of the U.S. Securities and Exchange Commission (the \u201cSEC\u201d) and the New York Stock Exchange (the \u201cNYSE\u201d) relating to public reportingand disclosure, accounting and financial reporting, corporate governance and other matters. One of our subsidiaries is a broker-dealer that is registered with the SECand with the state securities commissions in all 50 states, and is a member of the Financial Industry Regulatory Authority. Additionally, we and our subsidiaries aresubject to the corporate governance laws of our respective jurisdictions of incorporation or formation.\nConsumer Protection Laws\nNumerous federal, state and international consumer protection laws affect the Company. For example, as part of the Dodd-Frank Act, Congress established theCFPB to supervise and regulate institutions that provide certain financial products and services to consumers. Although the consumer financial services subject to theCFPB\u2019s jurisdiction generally exclude insurance businesses, the CFPB may take the position that it has the authority to regulate certain non-insurance consumerservices we provide. In addition, new or amended international regulations relating to fair value and fair treatment relating to products and services for consumers arebeing further considered or proposed, depending on the jurisdiction.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5096, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "e92d08dd-e3ef-45ed-80ed-92e39a48291c": {"__data__": {"id_": "e92d08dd-e3ef-45ed-80ed-92e39a48291c", "embedding": null, "metadata": {"page_label": "19", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "c26626f8-e12b-4117-a15d-7134382a523a", "node_type": "4", "metadata": {"page_label": "19", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "8b32f4c827630f545545ddbb74c71cc83395213ec72353979d8aa030f13dac53", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "c6bd7dc2-4b00-4629-9da0-efed00966f7d", "node_type": "1", "metadata": {"page_label": "19", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "0a262e8cb2d415b19dec8de6174854ac4e9187bad9d376a16d60284479ffc6de", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Anti-Corruption Regulation\nWe are subject to certain U.S. and foreign laws applicable to businesses generally, including anti-corruption laws. The Foreign Corrupt Practices Act of 1977(the \u201cFCPA\u201d) regulates U.S. companies in their dealings with foreign officials and prohibits bribes and similar practices. In addition, the U.K. Anti-Bribery Act haswide applicability to certain activities that affect U.K. companies, their commercial activities in the U.K., and potentially that of their affiliates located outside of theU.K.\n17", "mimetype": "text/plain", "start_char_idx": 5097, "end_char_idx": 5626, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "3b50f462-2239-4a54-b330-3c813cc67501": {"__data__": {"id_": "3b50f462-2239-4a54-b330-3c813cc67501", "embedding": null, "metadata": {"page_label": "20", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "fb498cfa-45da-4d86-84a8-6b61479b7bcb", "node_type": "4", "metadata": {"page_label": "20", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "5999a276772745ba0543b64b54716be27ee391dad01ff623138837852ae11568", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Anti-bribery and corruption laws and regulations continue to be implemented and/or enhanced across most of the jurisdictions in which we operate.\nCybersecurity, Privacy Regulation and Artificial Intelligence\nWe are subject to a variety of laws and regulations in the U.S. and abroad regarding privacy, data protection and data security. These laws and regulations arecontinuously evolving and developing. For example, the E.U. General Data Protection Regulation (\u201cGDPR\u201d), which became effective in May 2018, greatly increasedthe jurisdictional reach of the European Commission\u2019s laws and added a broad array of requirements for handling personal data, such as the public disclosure ofsignificant data breaches, privacy impact assessments, data portability and the appointment of data protection officers. Since the enactment of GDPR, other countrieswhere we conduct business have or are in the process of enacting stricter data protections laws that model GDPR, including Brazil, China, Japan and India.\nAt the state level, the NAIC Insurance Data Security Model Law has been enacted in multiple states, imposing an array of detailed security measures, reportingand attestation requirements on insurance companies. With respect to privacy rights, multiple states in the U.S. have enacted comprehensive privacy laws that furtherincrease privacy rights in a manner similar to the GDPR. The accelerated rate of adoption of privacy legislation by states poses challenges for businesses asimplementation and compliance may necessitate modifications to businesses processes, technological infrastructure, security measures and customer-facing websites.\nCybersecurity risks and incidents remain a focus for regulators. In July 2023, the SEC adopted new rules for public companies requiring disclosure of materialcybersecurity incidents and periodic disclosures regarding cybersecurity risk management, strategy and governance. Furthermore, in November 2023, the New YorkDepartment of Financial Services (the \u201cNYDFS\u201d) finalized amendments to its cybersecurity rule applicable to financial institutions licensed by the NYDFS.\nWe are monitoring increased regulatory activity related to artificial intelligence, including machine learning tools. For example, the NAIC has adopted guidingprinciples on artificial intelligence to inform and articulate general expectations for businesses, professionals and stakeholders across the insurance industry as theyimplement artificial intelligence tools to facilitate operations. While not effective until adopted by a specific state, we expect these guidelines to be adopted by at leastsome states. In addition, in October 2023, the Biden administration issued an Executive Order to, among other things, establish extensive new standards for artificialintelligence safety and security. Internationally, in December 2023, the European Commission, the European Parliament and the European Council reached politicalagreement on the terms of the European Union Artificial Intelligence Act, which aims to regulate the use of artificial intelligence in the European Union.\nEnvironmental Regulation  \nBecause we own and operate real property, we are subject to federal, state and local environmental laws. Potential environmental liabilities and costs inconnection with any required remediation of such properties is an inherent risk in property ownership and operation. Additionally, under the laws of several states,contamination of a property may give rise to a lien on the property to secure recovery of the costs of the cleanup, which could have priority over the lien of anexisting mortgage against the property. To the extent we hold a mortgage loan on any property subject to such a lien, our ability to foreclose on that property shouldthe related loan be in default would be impaired. Further, under certain circumstances, we may be liable for the costs of addressing releases or threatened releases ofhazardous substances at properties securing mortgage loans held by us.\nOther Regulation\nAs we continue to grow and evolve our business mix to cover other non-insurance-based products and services, we have and will continue to become subject toother legal and regulatory requirements, including regulations of the CFPB and other federal, state and municipal regulatory bodies, as well as additional regulatorybodies in non-U.S. jurisdictions. Examples include U.S. and local customs and trade regulations for the movement of mobile devices across geographic borders;health, safety, labor and environmental regulations, including those impacting our mobile supply chain operations; U.S. and international laws and regulationsbroadly relating to the performance, transparency and reporting of environmental, social and governance matters, including the SEC\u2019s proposed rules to enhanceclimate-related disclosures; U.S. and international laws and regulations relating to the use of artificial intelligence; and antitrust and competition-related laws andregulations that may impact future transactions or business practices.\nGlobal Risk Management\nGovernance\nWe employ a risk governance structure, overseen by our Board and senior management and led by the Global Risk Management function, to provide a commonframework for evaluating the risks embedded in and across our businesses and functional areas, developing risk appetites, managing these risks, and identifyingcurrent and future risk challenges and opportunities.\n18", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5454, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "c4255ab5-40f4-4714-8fbc-6909318abeab": {"__data__": {"id_": "c4255ab5-40f4-4714-8fbc-6909318abeab", "embedding": null, "metadata": {"page_label": "21", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "38e8a516-43fd-4575-bca4-5c3825245372", "node_type": "4", "metadata": {"page_label": "21", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "8a838590bdf0daea48971d159a1478d0774bfda99aff3c830a1b6bbc75668c2f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Global risk management is the responsibility of the Chief Marketing and Risk Officer, who leads the Global Risk Management function, reports directly to theCEO, reports at least quarterly to the Finance and Risk Committee of the Board and reports at least annually to the Board. Our Enterprise Risk Management Policy,which outlines our risk management framework and establishes principles for its effectiveness, has been approved by the Enterprise Risk Committee and the Board,and is reviewed annually to align with the Company\u2019s business operations and strategy as well as changes to applicable laws, regulations and industry standards.\nOur risk management framework cascades downwards into the enterprise through various management committees. Our risk governance structure is headed bythe management-level Enterprise Risk Committee, comprised of the CEO, the Chief Financial Officer, the Chief Marketing and Risk Officer, the Chief Legal Officer,\nthe Treasurer, Chief Internal Auditor, Global Ethics and Compliance Officer, and other members of the risk leadership team. The Enterprise Risk Committee reviewsthe Company\u2019s key enterprise risks, the alignment to the risk appetite of the Company, and the mitigation and remediation plans for these risks.\nBoard of Directors and Committee Oversight\nThe Board, directly and through its committees as described in their charters, oversees our risk management policies and practices, including our risk appetite,and discusses risk-related issues at least quarterly. The Board reviews management\u2019s assessment of the Company\u2019s key enterprise risks and receives a correspondingrisk management update annually and management\u2019s strategy with respect to each risk. The Nominating and Corporate Governance Committee coordinates Boardand committee oversight of the key enterprise risks. The Board and its committees receive updates from management on specific risks throughout the year, and eachcommittee chair reports significant risk updates at least quarterly to the full Board so that the Board has the benefit of the committee\u2019s specific areas of risk oversight.\nThe Audit Committee reviews the Company\u2019s policies with respect to risk assessment and risk management and coordinates with the Finance and RiskCommittee with respect to Board oversight of risk management and global risk management activities. The Audit Committee also focuses on risks relating tofinancial statements, internal control over financial reporting, disclosures, and compliance with legal and regulatory requirements. The Audit Committee receivesreports at least quarterly from the Chief Internal Auditor and the Global Ethics and Compliance Officer. The Finance and Risk Committee has primary oversightresponsibility of the Global Risk Management function and corresponding risk activities, and receives risk management reports at least quarterly from the ChiefMarketing and Risk Officer that include the identification, assessment, reporting and mitigation of existing and emerging key enterprise risks. The Finance and RiskCommittee also focuses on risks relating to investments, capital management and catastrophe reinsurance. The Compensation and Talent Committee focuses on risksrelating to management succession, talent management and compensation plan design, and the Nominating and Corporate Governance Committee focuses on risksrelating to director succession and has ultimate oversight responsibility for how we manage sustainability. The Information Technology Committee is responsible for\noversight of information technology risk assessment and risk management. This includes oversight of cybersecurity policies, controls and procedures, such asprocedures to identify and assess internal and external cybersecurity risks. The Information Technology Committee receives updates from management, including theChief Information Security Officer, on internal and external cybersecurity risks at least quarterly. In fulfilling its responsibilities, the Board and each committee hasthe authority to retain external advisors.\nWe believe that the Board\u2019s leadership structure supports the risk oversight function of the Board and its committees, with the Chair of the Board and the CEOuniquely positioned to identify emerging risks while the Board\u2019s five committees provide independent oversight of our risk management program within theirpurview.\nManagement Oversight\nGlobal Risk Management develops risk assessment and risk management policies, and facilitates the identification and assessment, monitoring and reporting,and mitigation of risks.\nThe Company uses the three lines of defense operating model to provide structure around risk management and internal controls. The first line of defense iscomprised of the business and functional areas that are responsible for the daily management of Company\u2019s business operations and related risks. The second line ofdefense provides independent oversight of risk-taking activities in the first line and is comprised of the Company\u2019s Global Risk Management and Compliance\nfunctions. The second line of defense assists in determining the risk appetite, strategies, policies and structure for managing risk, including business resiliency andoperational risk. The third line of defense is comprised of the Internal Audit function and is independently governed by the Audit Committee. Internal Audit evaluatesthe effectiveness and adequacy of the Company\u2019s control environment and other components of our governance system, including compliance with policies,procedures and processes established in the first and second lines, and assesses the design and ongoing effectiveness of risk management and the risk managementframework.\n19", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5700, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "049aaf27-3a45-478a-92ae-2689a3d23497": {"__data__": {"id_": "049aaf27-3a45-478a-92ae-2689a3d23497", "embedding": null, "metadata": {"page_label": "22", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "ad7a06c7-15f1-4861-b2d0-8f5adab4c5ad", "node_type": "4", "metadata": {"page_label": "22", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "4766061685d8bfda8d81eb1c6e2dd72b9c83179a4e2eb2c7589aa0579280707c", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Risk Appetite, Identification and Assessment, Monitoring and Reporting, and Mitigation\nRisk appetite is defined as the levels, types and amount of risk that the Company is willing to accept in the pursuit of its business and strategic objectives,consistent with prudent management of risk concomitant with available levels of capital. Global Risk Management, in conjunction with various management\ncommittees, develops recommendations for risk limits as part of our risk appetite framework. Using metrics as appropriate in establishing these risk limits allows fora cohesive assessment of risk, resources and strategy, and supports management and the Board in making well-informed business decisions.\nRisk identification and assessment, which involve the identification of risks, information gathering and analyses, are performed by Global Risk Managementand conducted in coordination with the second and third lines of defense. Global Risk Management measures risk exposure, and monitors and manages internal andexternal risk reporting using a central risk depository as the single source for risk information. The register collects information obtained from the processes describedabove and other sources and is periodically reviewed and approved by the Enterprise Risk Committee. Risks are classified using an enterprise-wide risk taxonomy.Risk mitigation includes determining a course of action and monitoring progress against remediation.\nAvailable Information \nOur Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, Current Reports on Form 8-K and all amendments to such reports filed or furnishedpursuant to Section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended (the \u201cExchange Act\u201d), as well as the Statements of Beneficial Ownership ofSecurities on Forms 3, 4 and 5 for our directors and officers, are available free of charge through the SEC website at www.sec.gov. We make our periodic reports andother information filed with or furnished to the SEC available, free of charge, through the Investor Relations page of our website (www.assurant.com) as soon asreasonably practicable after they are electronically filed with or furnished to the SEC.\nWe use our website (www.assurant.com) and social media accounts, including X (formerly Twitter) (@Assurant), LinkedIn (@Assurant) and Facebook(@AssurantInc), as a means of disclosing information about us and our services and for complying with our disclosure obligations under the SEC\u2019s Regulation FD(Fair Disclosure). The information we post on our website and social media accounts may be deemed material. Accordingly, investors should monitor our website andsocial media accounts in addition to following our press releases, SEC filings, and public conference calls and webcasts. Except as specifically noted, the informationfound on our website and social media accounts are not incorporated by reference into, and do not constitute a part of, this Report or any other report filed with orfurnished to the SEC.\nItem 1A. Risk Factors\nCertain factors may have a material adverse effect on our business, financial condition, results of operations and cash flows. You should carefully considerthem, along with the other information presented in this Report. It is not possible to predict or identify all such factors. Additional risks and uncertainties that are notyet identified or that we currently believe to be immaterial may also materially harm our business, financial condition, results of operations and cash flows.\nThe following is a summary of the material risks that could adversely affect our business, financial condition, results of operations and cash flows.\nBusiness, Strategic and Operational Risks\n\u2022 Our revenues and profits may decline if we are unable to maintain relationships with significant clients, distributors and other parties, or renew contracts withthem on favorable terms, or if those parties face financial, reputational or regulatory issues.\n\u2022 Significant competitive pressures, changes in customer preferences and disruption could adversely affect our results of operations.\n\u2022 The success of our business depends on the execution of our strategy, including through the continuing service of key executives, senior leaders, highly-skilledpersonnel and a high-performing workforce.\n\u2022 We may be unable to find suitable acquisition candidates at attractive prices, integrate acquired businesses or divest of non-strategic businesses effectively orachieve organic growth, which could have a material adverse effect on our business, financial condition and results of operations.\n\u2022 Our inability to successfully recover should we experience a business continuity event could have a material adverse effect on our business, financial conditionand results of operations.\n\u2022 Failure to successfully manage vendors and other third parties could adversely affect our business.\n\u2022 We face risks associated with our international operations.\n20", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4949, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "dae90092-7f2a-4ca2-b5d4-dd38b020b686": {"__data__": {"id_": "dae90092-7f2a-4ca2-b5d4-dd38b020b686", "embedding": null, "metadata": {"page_label": "23", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "8c013a5c-63f3-4d9d-a901-43eb59620c3c", "node_type": "4", "metadata": {"page_label": "23", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "3fc5636ffe207063e6fefa11684d3fa1df73841a0e42b30ee97d9d2f040b855f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "\u2022 Our mobile business is subject to the risk of declines in the value and availability of mobile devices, and to regulatory compliance and other risks.\n\u2022 Sales of our products and services may decline if we are unable to develop and maintain distribution sources or attract and retain sales representatives andexecutives with key client relationships.\n\u2022 We face risks associated with joint ventures, franchises and investments in which we share ownership or management with third parties.\n\u2022 Catastrophe and non-catastrophe losses, including as a result of climate change and the current inflationary environment, could materially reduce ourprofitability and have a material adverse effect on our results of operations and financial condition.\n\u2022 Negative publicity relating to our business, industry or clients may have a material adverse effect on our financial results.\nMacroeconomic, Political and Global Market Risks\n\u2022 General economic, financial market and political conditions and conditions in the markets in which we operate may materially adversely affect our results ofoperations and financial condition.\nFinancial Risks\n\u2022 Our actual claims losses may exceed our reserves for claims, requiring us to establish additional reserves or to incur additional expense for settling unreservedliabilities, which could have a material adverse effect on our results of operations, profitability and capital.\n\u2022 We may be unable to accurately predict and price for claims and other costs, which could reduce our profitability.\n\u2022 A decline in the financial strength ratings of our insurance subsidiaries could adversely affect our results of operations and financial condition.\n\u2022 A credit rating agency downgrade of our corporate senior debt rating could materially and adversely impact our business.\n\u2022 Fluctuations in the exchange rate of the U.S. Dollar and other foreign currencies may materially and adversely affect our results of operations.\n\u2022 An impairment of our goodwill or other intangible assets could materially adversely affect our results of operations and book value.\n\u2022 Failure to maintain effective internal control over financial reporting could have a material adverse effect on our business and stock price.\n\u2022 Unfavorable conditions in the capital and credit markets may significantly and adversely affect our access to capital and our ability to pay our debts orexpenses.\n\u2022 Our investment portfolio is subject to market risk, including changes in interest rates, that may adversely affect our results of operations and financial condition.\n\u2022 Our investment portfolio is subject to credit, liquidity and other risks that may adversely affect our results of operations and financial condition.\n\u2022 The value of our deferred tax assets could become impaired, which could materially and adversely affect our results of operations and financial condition.\n\u2022 Reinsurance may not be adequate or available to protect us against losses, and we are subject to the credit risk of reinsurers.\n\u2022 Through reinsurance, we have sold or exited businesses that could again become our direct financial and administrative responsibility if the reinsurers becomeinsolvent.\n\u2022 We are exposed to risks related to the creditworthiness and reporting systems of some of our agents, third-party administrators and clients.\n\u2022 Our subsidiaries\u2019 inability to pay us sufficient dividends could prevent us from meeting our obligations and paying future stockholder dividends.\n\u2022 Our ability to declare and pay dividends on our capital stock may be limited.\n\u2022 Actual results may differ materially from the analytical models we use to assist in our decision-making in key areas such as pricing, catastrophe risks, reservingand capital management.\n21", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3726, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "e326ffca-bf8b-4aa5-9034-e48a9fb3c5a5": {"__data__": {"id_": "e326ffca-bf8b-4aa5-9034-e48a9fb3c5a5", "embedding": null, "metadata": {"page_label": "24", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "379f568c-2f87-41b8-a6e3-a1982678ed3b", "node_type": "4", "metadata": {"page_label": "24", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "3f49a6e19c0cb04c5cbb461b40c344f913275d3561191c8bd57e0d92a38529ec", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Technology, Cybersecurity and Privacy Risks\n\u2022 The failure to effectively maintain and modernize our technology systems and infrastructure and integrate those of acquired businesses could adversely affectour business.\n\u2022 We could incur significant liability if our technology systems or those of third parties are breached or we or third parties otherwise fail to protect the security ofdata residing on our respective systems, which could adversely affect our business and results of operations.\nLegal and Regulatory Risks\n\u2022 We are subject to extensive laws and regulations, which increase our costs and could restrict the conduct of our business, and violations or alleged violations ofsuch laws and regulations could have a material adverse effect on our reputation, business and results of operations.\n\u2022 Changes in tax laws and regulations could have a material adverse impact on our results of operations and financial condition.\n\u2022 Our business is subject to risks related to litigation and regulatory actions.\n\u2022 The costs of complying with, or our failure to comply with, U.S. and foreign laws related to privacy, data security and data protection could adversely affect ourfinancial condition, operating results and reputation.\n\u2022 Our business is subject to risks related to reductions in the insurance premium rates we charge.\n\u2022 Changes in insurance regulation may reduce our profitability and limit our growth.\nGeneral Risk Factors\n\u2022 Our common stock may be subject to stock price and trading volume volatility.\n\u2022 Employee misconduct could harm us by subjecting us to significant legal liability, regulatory scrutiny and reputational harm.\n\u2022 Applicable laws and our certificate of incorporation and by-laws may discourage takeovers and business combinations that some stockholders might consider tobe in their best interests.\nFor a more complete discussion of these risks, please see below.\nBusiness, Strategic and Operational Risks\nOur revenues and profits may decline if we are unable to maintain relationships with significant clients, distributors and other parties, or renew contracts withthem on favorable terms, or if those parties face financial, reputational or regulatory issues.\nThe success of our business depends largely on our relationships and contractual arrangements with significant clients, distributors and other parties, includingvendors. Many of these arrangements are exclusive and some rely on preferred provider or similar relationships. If our key clients, distributors or other partiesterminate important business arrangements with us, reduce their business with us or renew contracts on terms less favorable to us, which occurs from time to time, wemay fail to meet our business objectives and targets, and our cash flows, results of operations and financial condition could be materially adversely affected.\nEach of our Global Lifestyle and Global Housing segments receives a substantial portion of its revenue from a few clients. A reduction in business with or theloss of one or more of our significant clients could have a material adverse effect on the results of operations and cash flows of individual segments or the Company.Reliance on a few significant clients may weaken our bargaining power, and we may be unable to renew contracts with them without concessions (including up-frontpayments) or on favorable terms or at all. Examples of important business arrangements include, at Global Lifestyle, exclusive and non-exclusive relationships withmobile service providers (including carriers, retailers, OEMs and cable operators), dealerships and agents, consumer electronics retailers, appliance retailers(including e-commerce retailers), and financial, insurance and other institutions through which we distribute our products and services. At Global Housing, we haveexclusive and non-exclusive relationships with mortgage lenders and servicers, manufactured housing lenders, property managers, and financial, insurance and otherinstitutions.\nWe are subject to the risk that clients, distributors and other parties may face financial difficulties (including as a result of macroeconomic challenges),reputational issues, problems with respect to their own products and services, or regulatory restrictions or compliance issues that may lead to lower than expected orcessation of sales of our products and services and have other adverse impacts on our results of operations or financial condition. In addition, our clients and otherparties with whom we do business may change their strategic priorities or initiatives, including exiting or deprioritizing products, services, programs, distributionchannels or lines of business that we service or support, or they may disintermediate us by developing internal capabilities, products or services that would allowthem to service their clients without our involvement, which has\n22", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4871, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "896112c3-33e2-46da-97f0-5985cb4d2b87": {"__data__": {"id_": "896112c3-33e2-46da-97f0-5985cb4d2b87", "embedding": null, "metadata": {"page_label": "25", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "b3be0e38-1f95-4211-bf09-a115586e7704", "node_type": "4", "metadata": {"page_label": "25", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "c7b6813a9bcea0c5ce10485a1bd0606b27ccbb1339db4ee021efae662ca753a0", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "270978c7-de88-4572-8fb2-67fd58aaa8f3", "node_type": "1", "metadata": {}, "hash": "577805b695d65c188a76eef2430665a47b74c47990e95cdfbc0f7eb58f08df81", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "occurred from time to time and may materially reduce our revenues and profits. Furthermore, if one or more of our clients or distributors, for example in the wireless,automotive or mortgage servicing markets, consolidate or align themselves with other companies with whom we do not do business, they may choose to utilize ordistribute the products and services of our competitors, which could materially reduce our revenues and profits.\nSignificant competitive pressures, changes in customer preferences and disruption could adversely affect our results of operations.\nWe compete for business, clients, customers, agents and other distribution relationships with many insurance companies, warranty and protection companies,financial services companies, mobile device repair and logistics companies, technology and software companies and specialized competitors that focus on onemarket, product or service. Some of our competitors may offer a broader array of products and services than we do or be better able to tailor those products andservices to customer needs, including through better technology systems or infrastructure, or may have greater diversity of distribution resources, better brandrecognition, more competitive pricing, lower costs, greater financial strength, more resources or higher ratings.\nThere is a risk that purchasers may be able to obtain more favorable terms and offerings from competitors, vendors or other third parties, including pricing andtechnology. Additionally, customers may turn to our competitors as a result of our or our client\u2019s failure, or perceived failure, to deliver on customer expectations,product or service flaws, technology issues, gaps in operational support or other issues affecting customer experience. As a result, competition may adversely affectthe persistency of our policies, our ability to sell products and provide services, maintain client relationships, and our revenues and results of operations, which hasoccurred from time to time.\nTo remain competitive in many of our businesses, we must anticipate and respond effectively to changes in customer preferences, new industry standards,evolving distribution models, disruptive technology developments and alternate business models. The evolving nature of consumer needs and preferences andimprovements in technology could result in a reduction in consumer demand and in the prices of the products and services we offer. Our competitive position may beimpacted if we are unable to deploy, in a cost effective and competitive manner, technology such as artificial intelligence and machine learning, or if our competitorscollect and use data which we do not have the ability to access or use. In addition, across many of our businesses, we must respond to the threat of disruption bytraditional players, such as insurers, as well as from new entrants, such as \u201cInsurtech\u201d start-up companies and others. These players are focused on using technologyand innovation to simplify and improve the customer experience, increase efficiencies, alter business models and effect other potentially disruptive changes in themarkets in which we operate. In order to maintain a competitive position, we must continue to invest in new technologies and new ways to deliver our products andservices. If we do not anticipate and respond effectively to changes in customer preferences, new industry standards, evolving distribution models, disruptivetechnology developments and alternative business models, our business and results of operations could be adversely impacted.\nThe success of our business depends on the execution of our strategy, including through the continuing service of key executives, senior leaders, highly-skilledpersonnel and a high-performing workforce.\nOur strategy is focused on delivering long-term profitable growth. As part of our strategy, we are developing new and innovative products and services, andenhancing existing offerings. We are investing in technology, including artificial intelligence, and other capabilities to continuously improve the customer andemployee experience, while seeking to increase efficiencies. We will continue to incur expenses related to, among other things: investments in digital capabilities andlarge-scale, critical programs, such as technology, including global financial systems and infrastructure; research and development of new products and capabilities;scaling our global operations, including accessing the global talent hubs such as through our Global Capabilities Centers; and costs associated with theimplementation of new contracts and businesses in runoff or which we have exited or which we expect to fully exit, including sharing economy, , and improvementsin operational efficiency. In 2022 and 2023, we announced restructuring initiatives that include realigning our organizational structure and talent to support ourbusiness strategy, which has resulted in severance and employee benefits charges, and accelerating ongoing real estate consolidation efforts to support work-from-home arrangements. Actual costs to implement these initiatives may exceed our estimates and we may not be able to fully realize our expected run rate savings andoperational efficiency improvements. Our long-term strategy depends on successful operational execution and our ability to execute on our transformationalinitiatives, including acquisitions, combined with our ability to innovate and develop new products, achieve operating efficiencies, and attract and retain a global anddiverse workforce.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5553, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "270978c7-de88-4572-8fb2-67fd58aaa8f3": {"__data__": {"id_": "270978c7-de88-4572-8fb2-67fd58aaa8f3", "embedding": null, "metadata": {"page_label": "25", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "b3be0e38-1f95-4211-bf09-a115586e7704", "node_type": "4", "metadata": {"page_label": "25", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "c7b6813a9bcea0c5ce10485a1bd0606b27ccbb1339db4ee021efae662ca753a0", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "896112c3-33e2-46da-97f0-5985cb4d2b87", "node_type": "1", "metadata": {"page_label": "25", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "92392aefa1ee7eecfcc7d5c5c6cddbf3310e52e4461b106581af926fd5077150", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "See \u201c \u2013 We may be unable to find suitable acquisition candidates at attractive prices, integrate acquired businesses or divest of non-strategicbusinesses effectively or achieve organic growth, which could have a material adverse effect on our business, financial condition and results of operations.\u201d\nWe rely on the continued service of key executives, senior leaders, highly-skilled personnel and a high-performing workforce to achieve our long-term strategy.We believe that our future success depends in substantial part on our ability to attract, recruit, motivate, develop and retain a high-performing workforce, particularlythose with specialized industry knowledge or within critical or in-demand areas such as sales, digital, customer experience, data and analytics, and supply chain,across our lines of businesses. Doing so may be difficult due to many factors, including fluctuations in economic and\n23", "mimetype": "text/plain", "start_char_idx": 5554, "end_char_idx": 6465, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "b5cf37e1-a8a9-4480-b747-21f16e289ac2": {"__data__": {"id_": "b5cf37e1-a8a9-4480-b747-21f16e289ac2", "embedding": null, "metadata": {"page_label": "26", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "668d31a2-e127-4c87-8218-d4c7cded46b5", "node_type": "4", "metadata": {"page_label": "26", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "cf6293176b414a0dd199f8cc7b72357f4cc4a9362b337446f0354779d72367e9", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "7d02d687-cd6a-4472-a7b8-0017574d00a5", "node_type": "1", "metadata": {}, "hash": "5e89ce69bbf6d68a3f14bcb834cbec24e955d27b721a64827f93acf9ced1ce78", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "industry conditions; employee expectations; the effectiveness of our talent strategies and total rewards and wellbeing programs; and fluctuations in the labor market,including rising wages and competition for talent, which has generally increased due to persistent labor shortages and wage inflation. In addition, the global talentmarket and shift to remote or hybrid work arrangements at many companies, including us, have significantly increased competition for highly-skilled personnel, whoare no longer limited to opportunities within a particular geographic area, and may decrease employee engagement. We rely on attracting, retaining and developingtalent, including at the executive level, with diverse backgrounds and experiences to effectively manage our businesses and drive our long-term strategy. If we do notsucceed in attracting, retaining and developing key talent, our revenue growth and profitability may be materially adversely affected. Furthermore, our business andresults of operations could be adversely affected if we fail to adequately plan for and successfully carry out the succession of our key executives and senior leaders.\nWe may be unable to find suitable acquisition candidates at attractive prices, integrate acquired businesses or divest of non-strategic businesses effectively orachieve organic growth, which could have a material adverse effect on our business, financial condition and results of operations.\nThere can be no assurance that we will continue to be able to identify suitable acquisition candidates or new venture opportunities, or to finance or completetransactions on acceptable terms or in a timely manner. Additionally, the integration of acquired businesses and divestiture of non-strategic businesses or assets mayresult in significant challenges and additional costs, and we may be unable to accomplish such transactions efficiently or effectively.\nAcquisitions of businesses and divestitures of non-strategic businesses may not provide us with the benefits that we anticipate, require significant effort andexpenditures, and entail numerous risks, difficulties and uncertainties. These include, among others, diversion of management\u2019s attention and resources to theintegration of operations and infrastructure, which could otherwise have been devoted to other strategic opportunities; inaccurate assessment of risks and liabilities;difficulties in realizing projected revenues, earnings, cash flows, business opportunities, growth prospects, efficiencies, synergies and cost savings, including theincurrence of unexpected integration, compliance or divestiture costs; difficulties in keeping existing customers and obtaining new customers; exposure tojurisdictions or businesses with heightened legal and regulatory risks, including corruption, which may increase compliance costs; difficulties in integratingoperations and systems, including cybersecurity and other technology systems, and internal control over financial reporting; difficulties in assimilating employeesand corporate cultures; an increase in our indebtedness or future borrowing costs; and limitations on our ability to access additional capital when needed. Our failureto adequately address these and other transaction risks, difficulties and uncertainties could materially adversely affect our results of operations and financialcondition.\nThe market price of our stock may decline if we are unable to integrate acquired businesses or divest of non-strategic businesses successfully, if the integrationor divestiture takes longer than expected or fails to achieve financial benefits to the extent anticipated by financial analysts or investors, or if the effect of the businesscombination on the financial results of the combined company or the divestiture on the financial results of the standalone company is otherwise not consistent withthe expectations of financial analysts or investors.\nOur ability to effectively identify and capitalize on opportunities for organic growth depends on, among other things, our ability to: deliver on customerexpectations and provide a positive customer experience; successfully execute large-scale, critical programs and projects in a timely and cost-effective manner;identify and successfully enter and market our services in new geographic markets and market segments; recruit and retain qualified personnel; coordinate our effortsacross various geographic markets and market segments; maintain and grow relationships with our existing customers and expand our customer base; offer newproducts and services; form strategic alliances and partnerships; secure key vendor and distributor relationships; and access sufficient capital. There can be noassurance that we will be successful in executing on our organic growth initiatives or that those initiatives will provide us with the expected benefits. Our failure toeffectively identify and capitalize on opportunities for organic growth could have a material adverse effect on our results of operations and financial condition. See \u201c\u2013 The success of our business depends on the execution of our strategy, including through the continuing service of key executives, senior leaders, highly-skilledpersonnel and a high-performing workforce.\u201d\nOur inability to successfully recover should we experience a business continuity event could have a material adverse effect on our business, financial conditionand results of operations.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5442, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "7d02d687-cd6a-4472-a7b8-0017574d00a5": {"__data__": {"id_": "7d02d687-cd6a-4472-a7b8-0017574d00a5", "embedding": null, "metadata": {"page_label": "26", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "668d31a2-e127-4c87-8218-d4c7cded46b5", "node_type": "4", "metadata": {"page_label": "26", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "cf6293176b414a0dd199f8cc7b72357f4cc4a9362b337446f0354779d72367e9", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "b5cf37e1-a8a9-4480-b747-21f16e289ac2", "node_type": "1", "metadata": {"page_label": "26", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "fba4eecf3269c6db0331cf66a18fb60ad94371df44d8b1b2dc15104b0e1ab0d9", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "If we experience a business continuity event, such as an earthquake, hurricane, flood, terrorist incident, pandemic, security breach, cybersecurity incident,power loss, telecommunications outage or other systems failure, or other disaster, our ability to continue operations will depend on an effective business continuityand disaster recovery plan, including the safety and continued availability of our personnel, vendors and other third parties, and the proper functioning of ourtelecommunications and other systems and operations, including our device care centers and other facilities. An extended period of such conditions may strain ourbusiness continuity and disaster recovery plan, introduce additional operational risk, including cybersecurity and fraud risks, negatively impact employee morale,result in negative publicity, reputational harm and the loss of profitability and clients. Our inability to successfully recover from a business continuity event couldhave a material adverse effect on our\n24", "mimetype": "text/plain", "start_char_idx": 5443, "end_char_idx": 6455, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "ac06cc8c-a659-4872-a942-0733dcb37d61": {"__data__": {"id_": "ac06cc8c-a659-4872-a942-0733dcb37d61", "embedding": null, "metadata": {"page_label": "27", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a59f8e72-e9ad-40a9-832e-3aa5bc376b2b", "node_type": "4", "metadata": {"page_label": "27", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b824fb3a4a6c2e7df4b13e5c5400a79afa5d6aa9ad436b2b38eda1c27b4bffce", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "3dfc5f66-0387-4545-be19-566827513ff7", "node_type": "1", "metadata": {}, "hash": "2ecdfac0df8338be5012fa3bda76d975440fb4979de172557d812717f728a186", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "business, financial condition and results of operations. See \u201c \u2013 Technology, Cybersecurity and Privacy Risks \u2013 The failure to effectively maintain and modernize ourtechnology systems and infrastructure and integrate those of acquired businesses could adversely affect our business.\u201d\nOur operations depend upon our ability to protect our technology infrastructure against damage and interruption. If a business continuity event occurs, we couldlose Company, customer, vendor and other third-party data, lose significant processing capability, or experience interruptions to our operations, the availability of oursystems or delivery of products and services to our clients and their customers, which has occurred from time to time and which could have a material adverse effecton our business, financial condition and results of operations. We rely on certain third-party technology systems that have in the past experienced a businesscontinuity event, which impacted our operations. A cybersecurity incident or other business continuity event affecting us or key third parties with whom we workcould result in a significant and extended disruption in the functioning of our technology systems or operations, requiring us to incur significant expense to addressand remediate or otherwise resolve such issues, and divert management\u2019s attention. See \u201c \u2013 Technology, Cybersecurity and Privacy Risks \u2013 We could incur significantliability if our technology systems or those of third parties are breached or we or third parties otherwise fail to protect the security of data residing on our respectivesystems, which could adversely affect our business and results of operations.\u201d\nThe risk of business disruption is more pronounced in certain geographic areas across the world, including the cities in which our device care centers, datacenters and operations personnel are located; major metropolitan centers, such as Atlanta, where our headquarters is located; and certain catastrophe-prone areas,such as Miami, Florida, where we have significant operations. This risk is heightened in certain countries and regions in which we operate that are subject to higherpotential threat of terrorist incidents, military conflicts, political instability and data breaches.\nA disaster or other business continuity event on a significant scale or affecting our key businesses or our data centers, or our inability to successfully andquickly recover from such an event and any legislative and regulatory responses thereto, could materially interrupt our business operations and result in materialfinancial loss, loss of human capital, regulatory actions, reputational harm, loss of clients and their customers or damaged relationships, legal liability and otheradverse consequences. Our liability insurance policies may not fully cover, in type or amount, the cost of a successful recovery in the event of such a disruption.\nFailure to successfully manage vendors and other third parties could adversely affect our business.\nAs we continue to improve operating efficiencies, we rely on vendors and other third parties, including independent contractors, to conduct business andprovide services to our clients. We use vendors and other third parties for business, investment management, technology, operations, facilities management and otherservices. We take steps to monitor and regulate the performance of vendors and other third parties, including in our agreements with such parties, but our oversightcontrols could prove inadequate. Since we do not fully control the actions of vendors and other third parties, we are subject to the risk that their decisions oroperations adversely impact us and replacing them could create significant delay and expense. If these vendors or other third parties fail to satisfy their obligations tous or if they fail to comply with legal or regulatory requirements in a high-quality and timely manner, our operations and reputation could be compromised, we maynot realize the anticipated economic and other benefits from these arrangements, and we could suffer adverse legal, regulatory and financial consequences. Inaddition, these third parties face their own technology, operating, business and economic risks, and any significant failures by them, including the improper use ordisclosure of our confidential client, employee or Company information or failure to comply with applicable law, could cause harm to our reputation or otherwiseexpose us to liability. An interruption in or the cessation of service by any service provider as a result of systems failures, capacity constraints, financial difficulties orfor any other reason has occurred from time to time and could materially disrupt our operations, impact our ability to offer certain products and services and result incontractual or regulatory penalties, liability claims from clients or employees, damage to our reputation and harm to our business. If we are unable to attract andretain relationships with qualified vendors, independent contractors and other third-party service providers, or if changes in law or judicial decisions requireindependent contractors to be classified as employees, our business could be significantly adversely affected.\nTo the extent we engage international vendors or third parties to provide services or carry out business functions, we are exposed to the risks that accompanyoperations in a foreign jurisdiction, including international economic and political conditions, foreign laws and regulations, fluctuations in currency values andincreased risk of data breaches.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5590, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "3dfc5f66-0387-4545-be19-566827513ff7": {"__data__": {"id_": "3dfc5f66-0387-4545-be19-566827513ff7", "embedding": null, "metadata": {"page_label": "27", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a59f8e72-e9ad-40a9-832e-3aa5bc376b2b", "node_type": "4", "metadata": {"page_label": "27", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b824fb3a4a6c2e7df4b13e5c5400a79afa5d6aa9ad436b2b38eda1c27b4bffce", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "ac06cc8c-a659-4872-a942-0733dcb37d61", "node_type": "1", "metadata": {"page_label": "27", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "1e4ee935833e28cb39da03c7a4c9be9b68ba86ed3c981a005e2a5836749cb7fa", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "For more information on the risks associated with the use of international vendors and third parties, see \u201c \u2013 We face risks associatedwith our international operations.\u201d\nWe face risks associated with our international operations.\nOur international operations face economic, political, legal, compliance, regulatory, operational, supply chain and other risks. For example, we face the risk ofrestrictions on currency conversion and the repatriation of non-U.S. investments and earnings; burdens and costs of compliance with a variety of foreign laws andregulations and the associated risk and costs of non-compliance, including reputational harm; exposure to undeveloped or evolving legal systems, which may result in\n25", "mimetype": "text/plain", "start_char_idx": 5591, "end_char_idx": 6310, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "ce2c1e5b-eb77-40ff-beb3-817bb67a7efa": {"__data__": {"id_": "ce2c1e5b-eb77-40ff-beb3-817bb67a7efa", "embedding": null, "metadata": {"page_label": "28", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "db1d4f18-703a-4ce9-b32d-4c42dcd15d5f", "node_type": "4", "metadata": {"page_label": "28", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "6ac63dcde627049805683d132346d2a1955bf19227426abb3282e21049f917b4", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "cf35ca1c-1911-4449-b7e6-b414ef2da18d", "node_type": "1", "metadata": {}, "hash": "095113c25b13b6c8d57bbbeca38ff16862baf2aaedef74e3c5e20f057399cba7", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "unpredictable or inconsistent application of laws and regulations, including export controls and exposure to commercial, political, legal or regulatory risks such ascorruption; political, economic or other instability in countries in which we conduct business, including possible terrorist acts; the imposition of sanctions, tariffs,trade barriers or other protectionist laws or business practices that favor local competition, increase costs and may otherwise adversely affect our business; inflationand foreign exchange rate fluctuations; diminished ability to enforce our contractual rights; increased risk of data breaches; differences in cultural environments;changes in regulatory requirements, including changes in regulatory treatment of certain products or services; exposure to local economic conditions and its impacton our clients\u2019 performance and creditworthiness; and a competitive global labor market.\nIf our business model is not successful in a particular country or region, or a country or region in which we do business experiences economic, political or otherinstability, we may lose all or part of our investment in that country or region. As we continue to scale our global operations and grow our international labor forcewithin Global Capabilities Centers, our business becomes increasingly exposed to these and other risks, including where certain countries or regions have recentlyexperienced economic or political instability, such as in Argentina and Brazil.\nAs we engage with international clients, we may make certain up-front commission payments or similar cash outlays, which we may not recover if the businessdoes not develop as we expect. These up-front payments are typically supported by various protections, such as letters of credit, letters of guarantee and real estate,but we may not fully or timely recover amounts owed to us as a result of difficulties in enforcing contracts or judgments in undeveloped or evolving legal systemsand other factors. In addition, we rely on fronting carriers in certain countries to maintain their licenses and product approvals, satisfy local regulatory requirementsand continue in business. If they fail to do so, our business, reputation, and relationships with our clients and their customers could be adversely affected.\nFor additional information on the significant international regulations that apply to us and the risks relating thereto, see \u201cItem 1 \u2013 Business \u2013 Regulation \u2013 International Regulation\u201d in this Report, \u201c \u2013 Business, Strategic and Operational Risks \u2013 Our mobile business is subject to the risk of declines in the value and\navailability of mobile devices, and to regulatory compliance and other risks,\u201d \u201c \u2013 Legal and Regulatory Risks \u2013 We are subject to extensive laws and regulations,which increase our costs and could restrict the conduct of our business, and violations or alleged violations of such laws and regulations could have a materialadverse effect on our reputation, business and results of operations,\u201d \u201c \u2013 Legal and Regulatory Risks \u2013 Our business is subject to risks related to litigation andregulatory actions\u201d and \u201c \u2013 Legal and Regulatory Risks \u2013 The costs of complying with, or our failure to comply with, U.S. and foreign laws related to privacy, datasecurity and data protection could adversely affect our financial condition, operating results and reputation..\u201d\nOur mobile business is subject to the risk of declines in the value and availability of mobile devices, and to regulatory compliance and other risks.\nThe value of the mobile devices that we collect and refurbish for our clients may fall below the prices we have paid or guaranteed, which could adversely affectour profitability. Our mobile business is subject to the risk that the value, including selling price, or availability of devices and parts will be adversely affected by:technological changes affecting the usefulness or desirability of the devices and parts; physical problems resulting from faulty design or manufacturing; increasedcompetition; decreased customer demand, including due to changes in customer preferences, changes in client promotions and seasonality; supply chain constraints;and growing industry emphasis on cost containment. The value and availability of devices may also be impacted by adverse foreign trade relationships and anescalation of U.S.-China and China-Taiwan trade tensions, including with respect to trade policies, treaties, government relations, tariffs and other trade restrictions.If the value or availability of devices or parts is significantly reduced, it could have a material adverse effect on our profitability.\nOur sales of mobile devices to third parties subject us to regulatory compliance risk, which may subject us to fines or other sanctions, and increase the costs ofoperating the business, including compliance expenses. While we conduct diligence and screening for buyers of mobile devices that we sell, and change buyers in ourprogram based on diligence reviews, our mobile device buyers may not comply with applicable laws and regulations, including anti-money laundering laws. Inaddition, our sales of mobile devices to third parties domiciled outside of the U.S. subject us to compliance risks relating to corruption, sanctions and export controllaws and regulations, which may adversely impact our ability to find buyers.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5367, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "cf35ca1c-1911-4449-b7e6-b414ef2da18d": {"__data__": {"id_": "cf35ca1c-1911-4449-b7e6-b414ef2da18d", "embedding": null, "metadata": {"page_label": "28", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "db1d4f18-703a-4ce9-b32d-4c42dcd15d5f", "node_type": "4", "metadata": {"page_label": "28", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "6ac63dcde627049805683d132346d2a1955bf19227426abb3282e21049f917b4", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "ce2c1e5b-eb77-40ff-beb3-817bb67a7efa", "node_type": "1", "metadata": {"page_label": "28", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "5c743a5954d6870f5fc7f53adca0777f8661beb23c96dad27133081625cd9c56", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Furthermore, certain businesses we acquire may violate, and from time to time have\nviolated, such laws and regulations, which could subject us to liability. Non-compliance with such laws could adversely affect our business, reputation, relationships\nwith our clients and their customers, financial condition and results of operations. See \u201c \u2013 We face risks associated with our international operations\u201d and \u201c \u2013Significant competitive pressures, changes in customer preferences and disruption could adversely affect our results of operations.\u201d\n26", "mimetype": "text/plain", "start_char_idx": 5368, "end_char_idx": 5913, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "a9470f2e-5754-437d-8b83-2e6e33d93da2": {"__data__": {"id_": "a9470f2e-5754-437d-8b83-2e6e33d93da2", "embedding": null, "metadata": {"page_label": "29", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "78cc247b-0b95-40ca-a82c-ef27ff48c6e4", "node_type": "4", "metadata": {"page_label": "29", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "dc8c0e9c1f8b4719a43f040dd388d92ab5298d2843b06a533a3e769de1ea42af", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "529e741b-0515-45e6-a8ce-fabef3646d4d", "node_type": "1", "metadata": {}, "hash": "9c574199a197f591c992ccc3f875a4b5546d92f12aaabd7b3062baf4e605ba28", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Sales of our products and services may decline if we are unable to develop and maintain distribution sources or attract and retain sales representatives andexecutives with key client relationships.\nWe distribute many of our insurance products and services through a variety of channels, including service providers (including device carriers and cableoperators), financial institutions, mortgage lenders and servicers, retailers, association groups, other third-party marketing organizations and, to a limited extent, ourown captives and affiliated agents. Our relationships with these distributors are significant for our revenues and profits. There is intense competition for distributionoutlets. Agents who distribute our products are typically not exclusively dedicated to us, but also market the products of our competitors. In some cases, such agentsmay be affiliated with other insurers who may choose to write the product that such agents are now selling on our behalf.\nWe have our own sales representatives. We depend in large part on our sales representatives and business executives to develop and maintain clientrelationships. Our inability to attract and retain effective sales representatives and executives with key client relationships could materially adversely affect our resultsof operations and financial condition.\nWe face risks associated with joint ventures, franchises and investments in which we share ownership or management with third parties.\nFrom time to time, we have entered into and may continue to enter into joint ventures and franchises and invest in entities in which we share ownership ormanagement with third parties. In certain circumstances, we may not have complete control over governance, financial reporting, operations, legal and regulatorycompliance, or other matters relating to such joint ventures, franchises or entities. As a result, we may face certain operational, financial, legal and regulatorycompliance and other risks relating to these joint ventures, franchises and entities, including risks related to the financial strength of joint venture partners,franchisees and other investors; the willingness of joint venture partners, franchisees and other investors to provide adequate funding for the joint venture, franchiseor entity; differing goals, strategies, priorities or objectives between us and joint venture partners, franchisees or other investors; our inability to unilaterallyimplement actions, policies or procedures with respect to the joint venture, franchise or entity that we believe are favorable; legal and regulatory compliance risksrelating to actions of the joint venture, franchise, entity, joint venture partners, franchisees or other investors; the risk that the actions of joint venture partners,franchisees and other investors could damage our brand image and reputation; and the risk that we will be unable to resolve disputes with joint venture partners,franchisees or other investors. As a result, joint ventures, franchises and investments in which we share ownership or management subject us to risk and maycontribute significantly less than anticipated to our earnings and cash flows.\nCatastrophe and non-catastrophe losses, including as a result of climate change and the current inflationary environment, could materially reduce ourprofitability and have a material adverse effect on our results of operations and financial condition.\nOur insurance operations expose us to claims arising from catastrophes and other events, particularly in our homeowners insurance, renters insurance and floodofferings, as well as in certain businesses the Company has fully exited or expects to fully exit, including sharing economy. Catastrophes include hurricanes,windstorms, tornados, earthquakes, hailstorms, floods, severe winter weather, wildfires, terrorist incidents and accidents, and may result in reportable catastrophelosses, which are individual catastrophe events that generate losses in excess of $5.0 million, pre-tax, net of reinsurance and client profit sharing adjustments, andincluding reinstatement and other premiums. Non-catastrophe losses include losses from isolated fire, water and wind damage, theft and vandalism, as well as generalliability in renters and homeowners policies, and losses from sharing economy. Losses are impacted by increases in inflation and supply chain disruptions thatincrease the cost of materials and labor required to settle claims, including in our Global Housing business. In addition, non-catastrophe losses related to the sharingeconomy business in particular have been, and may continue to be, impacted by increased claim settlement and loss adjustment expenses. We have experienced, andexpect to continue to experience, catastrophe and non-catastrophe losses that materially reduce our profitability and impact our available capital, which may have amaterial adverse effect on our results of operations and financial condition.\nChanging weather patterns and climate change have increased the unpredictability, frequency and severity of weather-related events, such as wildfires,hurricanes, floods and tornadoes, particularly in coastal areas such as Florida, California and Texas, and may result in increased claims and higher catastrophe losses,which could have a material adverse effect on our results of operations and financial condition.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5376, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "529e741b-0515-45e6-a8ce-fabef3646d4d": {"__data__": {"id_": "529e741b-0515-45e6-a8ce-fabef3646d4d", "embedding": null, "metadata": {"page_label": "29", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "78cc247b-0b95-40ca-a82c-ef27ff48c6e4", "node_type": "4", "metadata": {"page_label": "29", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "dc8c0e9c1f8b4719a43f040dd388d92ab5298d2843b06a533a3e769de1ea42af", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "a9470f2e-5754-437d-8b83-2e6e33d93da2", "node_type": "1", "metadata": {"page_label": "29", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ba1ebfd9d306443316c773ca74d43bc767a8d1ac593d88f71af2ec3c7c1d46e6", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Regulation in the area of climate change is increasing and we cannotpredict how legal, regulatory, political and social responses to concerns around climate change may impact our business. While the frequency and severity ofcatastrophes are inherently unpredictable, increases in the value and geographic concentration of insured property and the effects of inflation have and may continueto increase the frequency and severity of claims from catastrophes. In addition, legislative and regulatory initiatives and court decisions may have the effect oflimiting the ability of insurers to manage catastrophe losses, including by forcing expansion of certain insurance coverages for catastrophe claims, which mayadversely impact our business. See \u201c \u2013 Macroeconomic, Political and Global Market Risks \u2013 General economic,\n27", "mimetype": "text/plain", "start_char_idx": 5377, "end_char_idx": 6196, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "595571c6-9f54-44f5-bba6-088a9a9457cd": {"__data__": {"id_": "595571c6-9f54-44f5-bba6-088a9a9457cd", "embedding": null, "metadata": {"page_label": "30", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "50c0c815-13fe-4094-8e04-019369fa36fb", "node_type": "4", "metadata": {"page_label": "30", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "a89b6571c43a0e054ca3df2148252ff890dcd0ef2f9a5ec78b84666759ea121e", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "cf2afac3-1c16-49b5-b584-c91bac9ad90d", "node_type": "1", "metadata": {}, "hash": "7da1e4728662eca63ea8f880dc463a918c1418fecd0ff2f6b93ae363703fd997", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "financial market and political conditions and conditions in the markets in which we operate may materially adversely affect our results of operations and financialcondition.\u201d\nCatastrophe and non-catastrophe losses can vary widely and could significantly exceed our expectations. We use modeling tools that help estimate our probablelosses, but these projections are based on historical data and other assumptions that may differ materially from actual events, and their reliability and predictive valuemay decrease as a result of climate change. These modeling tools may not be able to anticipate emerging trends or changing marketplace conditions. See \u201c \u2013Financial Risks \u2013 Actual results may differ materially from the analytical models we use to assist in our decision-making in key areas such as pricing, catastropherisks, reserving and capital management.\u201d\nWe purchase reinsurance for certain risks, but if the severity of an event were sufficiently high, our losses could exceed our reinsurance coverage limits andcould have a material adverse effect on our results of operations and financial condition. In addition, the availability and cost of reinsurance can be adverselyimpacted by market conditions. See \u201c \u2013 Financial Risks \u2013 Reinsurance may not be adequate or available to protect us against losses, and we are subject to the creditrisk of reinsurers.\u201d In addition, claims from catastrophe and non-catastrophe events could result in substantial volatility in our results of operations and financialcondition for any particular fiscal quarter or year.\nAccounting rules do not permit insurers to reserve for catastrophe or non-catastrophe events before they occur. Once such an event occurs, the establishment ofappropriate reserves is an inherently uncertain and complex process. The ultimate cost of losses may vary materially from recorded reserves and such variance mayhave a material adverse effect on our results of operations, financial condition and capital. See \u201c \u2013 Financial Risks \u2013 Our actual claims losses may exceed ourreserves for claims, requiring us to establish additional reserves or to incur additional expense for settling unreserved liabilities, which could have a materialadverse effect on our results of operations, profitability and capital.\u201d\nBecause Global Housing\u2019s lender-placed homeowners and lender-placed manufactured housing insurance products are designed to automatically provideproperty coverage for client portfolios, our exposure to certain catastrophe-prone locations, such as Florida, California and Texas, may increase. The withdrawal ofother insurers from these or other states may lead to adverse selection and increased use of our products in these areas, and may negatively affect our loss experienceand increase our costs.\nNegative publicity relating to our business, industry or clients may have a material adverse effect on our financial results.\nWe communicate with and distribute our products and services ultimately to individual customers. From time to time, regulators, consumer advocacy groups,the media and individual customers may focus their attention on our products and services, which may subject us to negative publicity. We may be negativelyaffected if another company in one of our industries or in a related industry, or if one of our clients, engages in practices that subject our industry or businesses tonegative publicity. Negative publicity may result from judicial inquiries, unfavorable outcomes in lawsuits, social media, regulatory or governmental actions withrespect to our products or services and industry commercial practices. For example, regulators may submit queries to assess practices in the insurance sector thatpotentially disadvantage people of color or historically underrepresented groups in certain insurance lines of business, or whether customers have received fair valuefrom our products and services. In addition, there is increased investor and regulatory focus on sustainability matters, including diversity, equity and inclusion, andcommitment to long-term sustainability and efforts related to climate. A failure or perceived failure in our achievement of various sustainability initiatives and goalswe announce from time to time, or an actual or perceived increase in related risks as a result of our or our industry\u2019s business activities, may subject us to negativepublicity.\nNegative publicity may cause increased regulation and legislative scrutiny of industry practices as well as increased litigation or enforcement action by civil andcriminal authorities. Additionally, negative publicity may increase our costs of doing business and adversely affect our profitability by impeding our ability to marketour products and services, constraining our ability to price our products appropriately for the risks we are assuming, requiring us to change the products and serviceswe offer or increasing the regulatory burdens under which we operate.\nMacroeconomic, Political and Global Market Risks\nGeneral economic, financial market and political conditions and conditions in the markets in which we operate may materially adversely affect our results ofoperations and financial condition.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5190, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "cf2afac3-1c16-49b5-b584-c91bac9ad90d": {"__data__": {"id_": "cf2afac3-1c16-49b5-b584-c91bac9ad90d", "embedding": null, "metadata": {"page_label": "30", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "50c0c815-13fe-4094-8e04-019369fa36fb", "node_type": "4", "metadata": {"page_label": "30", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "a89b6571c43a0e054ca3df2148252ff890dcd0ef2f9a5ec78b84666759ea121e", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "595571c6-9f54-44f5-bba6-088a9a9457cd", "node_type": "1", "metadata": {"page_label": "30", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "6b9a66022f2fa5a1048234b5a849f01e890088423d4f3bca901921607897211a", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Limited availability of credit, deteriorations of the global mortgage and real estate markets, declines in consumer confidence and consumer spending, includingin Europe, increases in prices or in the rate of inflation, periods of high unemployment or labor shortages, persistently low or rapidly increasing interest rates,disruptive geopolitical events, including the Israel-Hamas war, China-Taiwan relations and supply chain disruptions, and other events outside of our control, such as amajor epidemic or a pandemic, political or civil unrest, or the possibility of a U.S. government shutdown or default on its debt obligations, could contribute, and insome cases have contributed, to increased volatility and diminished expectations for the economy and the financial markets, including the market for our stock, andmay materially adversely affect our business, results of operations and financial condition. Specifically, during periods of economic downturn:\n28", "mimetype": "text/plain", "start_char_idx": 5191, "end_char_idx": 6155, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "d5ed7670-8a62-4651-9886-e164d092f23a": {"__data__": {"id_": "d5ed7670-8a62-4651-9886-e164d092f23a", "embedding": null, "metadata": {"page_label": "31", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "e1a149ce-f6cc-4718-8462-832cc043b411", "node_type": "4", "metadata": {"page_label": "31", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e21b035c0885dd6f2a25e8c31e9630de996c47a0e4248e8320dd4be88e971073", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "\u2022 individuals and businesses may (i) choose not to purchase our insurance products, extended service contracts and other products and services, (ii) terminateexisting policies or contracts or permit them to lapse and (iii) choose to reduce the amount of coverage they purchase;\n\u2022 conditions in the markets in which we operate may deteriorate, impacting, among other things, consumer demand for the mobile devices, electronics,appliances, automobiles, housing and other products we insure, including the rate of introduction and success of new products, technologies and promotionalprograms that provide opportunities for growth;\n\u2022 clients are more likely to underperform expectations, experience financial distress and declare bankruptcy, which could have an adverse impact on theremittance of premiums from such clients and the collection of receivables from such clients for items such as unearned premiums and could otherwise exposeus to credit risk;\n\u2022 claims on certain specialized insurance products tend to rise;\n\u2022 there is a risk of fraudulent insurance claims;\n\u2022 there may be an impairment in the value of our tangible and intangible assets and our investment portfolio may be adversely affected;\n\u2022 there may be fluctuations in the labor market and a negative impact on employee retention; and\n\u2022 our ability to access the capital markets on favorable terms or at all may be negatively impacted.\nGeneral inflationary pressures and supply chain disruptions, including within the current environment, has and may continue to increase the costs of payingclaims, including for materials and labor, particularly in our Global Housing and Global Automotive businesses. In addition, inflationary pressures and shortages inthe labor market have increased, and may continue to increase, our labor costs, including employee wages, and changes in interest rates has impacted, and maycontinue to impact, our investment portfolio and capital. See \u201c \u2013 Financial Risks \u2013 Our investment portfolio is subject to market risk, including changes in interestrates, that may adversely affect our results of operations and financial condition.\u201d Conversely, deflationary pressures may affect the pricing of our products andservices.\nFinancial Risks\nOur actual claims losses may exceed our reserves for claims, requiring us to establish additional reserves or to incur additional expense for settling unreservedliabilities, which could have a material adverse effect on our results of operations, profitability and capital.\nWe maintain reserves to cover our estimated ultimate exposure for claims and claim adjustment expenses with respect to reported claims and incurred but notreported (\u201cIBNR\u201d) claims as of the end of each accounting period. Whether calculated under accounting principles generally accepted in the United States of America(\u201cGAAP\u201d), Statutory Accounting Principles or accounting principles applicable in foreign jurisdictions, reserves are estimates. Reserving is inherently a matter ofjudgment and our ultimate liabilities could exceed reserves for a variety of reasons, including changes in macroeconomic factors (such as inflation, unemploymentand interest rates), case development and other factors. From time to time, we adjust our reserves, and may adjust our reserving methodology, as these factors, ourclaims experience and estimates of future trends in claims frequency and severity change. Reserve adjustments may cause volatility in our reported results, such asthe reserve reductions in 2023 compared to reserve increases in 2022. Reserve development, changes in our reserving methodology and paid losses exceedingcorresponding reserves could have a material adverse effect on our results of operations, profitability and capital. See \u201cItem 7 \u2013 Management\u2019s Discussion andAnalysis of Financial Condition and Results of Operations \u2013 Critical Accounting Estimates \u2013 Reserves\u201d in this Report for additional detail on our reserves.\nWe may be unable to accurately predict and price for claims and other costs, which could reduce our profitability.\nOur profitability could be reduced if we are unable to accurately predict and price for claims and other costs, including the frequency and severity of propertyand other claims. This ability could be affected by various factors, including macroeconomic conditions; inflation; changes in the regulatory environment; changes inindustry practices; changes in legal, social or environmental conditions; impacts from operational changes; new technologies or domestic or global supply chain orlabor issues. In addition, our modeling tools that support business decisions involve historical data and numerous assumptions that may differ materially from actualevents. Climate change may make it more difficult to predict and model catastrophes, reducing our ability to accurately price our exposure to such events andmitigate risks. The inability to accurately predict and price for claims and other costs, including costs related to climate change and macroeconomic conditions, couldmaterially adversely affect our results of operations and financial condition. See \u201c \u2013 Financial Risks \u2013 Actual results may differ materially from the analytical modelswe use to assist in our decision-making in key areas such as pricing, catastrophe risks, reserving and capital management.\u201d\n29", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5326, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "b5dcec45-7f22-4855-8065-835a3e674ff8": {"__data__": {"id_": "b5dcec45-7f22-4855-8065-835a3e674ff8", "embedding": null, "metadata": {"page_label": "32", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "fea4fc85-952e-4dfc-bb94-64c050963ebc", "node_type": "4", "metadata": {"page_label": "32", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b5210d19fecfdf1a438926f385a8f5ccf5cbe043c1a61e68769a8bbbea5cdb0a", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "67c0bcbc-e428-468c-a1ab-ee1cd53835c6", "node_type": "1", "metadata": {}, "hash": "24cdfa43ef65d2610e4d7081e44f8815d44bb220ee1e2426751fd47e15ba7211", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "A decline in the financial strength ratings of our insurance subsidiaries could adversely affect our results of operations and financial condition.\nRatings are important considerations in establishing the competitive position of insurance companies. A.M. Best rates most of our domestic and certaininternational operating insurance subsidiaries. Moody\u2019s and S&P rate three of our domestic operating insurance subsidiaries. These ratings are subject to periodicreview by A.M. Best, Moody\u2019s and S&P, and we cannot assure that we will be able to retain them. Rating agencies may change their methodology or requirementsfor determining ratings, or they may become more conservative in assigning ratings. Rating agencies could increase capital requirements for our subsidiaries or theenterprise, thereby reducing deployable capital at such subsidiary or at the holding company. Any reduction in these ratings could materially adversely affect ourstanding in the insurance industry and the demand for our products from intermediaries and consumers, which could materially adversely affect our results ofoperations.\nAs of December 31, 2023, our operations had a significant number of contracts that contain provisions that require the applicable subsidiaries to maintainminimum financial strength ratings, typically from A.M. Best, ranging from \u201cA\u201d or better to \u201cB+\u201d or better, depending on the contract. Our clients may terminatethese contracts or fail to renew them if the subsidiaries\u2019 ratings fall below these minimums. Termination of or failure to renew these agreements could materially andadversely affect our results of operations and financial condition.\nA credit rating agency downgrade of our corporate senior debt rating could materially and adversely impact our business.\nCurrently, Assurant, Inc.\u2019s senior debt is rated BBB by S&P and Baa2 by Moody\u2019s, and both ratings carry a stable outlook.\nIf our senior debt credit ratings were downgraded, particularly if downgraded below investment grade, our business, financial condition and results ofoperations, and perceptions of our financial strength, could be materially and adversely affected. A downgrade could adversely affect our liquidity and ability toaccess liquidity quickly or at all, increase our borrowing costs, decrease demand for our debt securities, and increase the expense and difficulty of financing ouroperations, including temporary financing for subsidiaries necessary to address any immediate liquidity concerns, or refinancing our existing indebtedness on similaror more favorable terms. For example, the interest rate payable on certain series of our senior notes is subject to increase if either of S&P or Moody\u2019s downgrades thecredit rating assigned to such series of senior notes to BB+ or below or to Ba1 or below, respectively. Additionally, we could be subject to more restrictive financialand operational covenants in any indebtedness we issue in the future, which could reduce our operational flexibility. There can be no assurance that our credit ratingswill not be downgraded. See Note 19 to the Consolidated Financial Statements included elsewhere in this Report for additional information on our senior notes andthe impact of rating changes.\nFluctuations in the exchange rate of the U.S. Dollar and other foreign currencies may materially and adversely affect our results of operations.\nWhile most of our costs and revenues are in U.S. Dollars, some are in other currencies, including labor costs in our international locations and GlobalCapabilities Centers. Because our financial results in certain countries are translated from local currency into U.S. Dollars upon consolidation, our results ofoperations, including period-over-period comparisons, have been and may continue to be affected by foreign exchange rate fluctuations. To a large extent, we do notcurrently hedge foreign currency risk. If the U.S. Dollar weakens against a local currency, the translation of our foreign-currency-denominated balances will result inincreased net assets, net revenue, operating expenses and net income. Similarly, our net assets, net revenue, operating expenses and net income will decrease if theU.S. Dollar strengthens against a local currency. In 2023, we reported a $31.3 million unfavorable impact to net income due to foreign exchange-related losses. Thesefluctuations in currency exchange rates may result in losses that materially and adversely affect our results of operations.\nAdditionally, we may incur foreign exchange losses in connection with the designation of the U.S. Dollar as the functional currency of our internationalsubsidiaries. For example, Argentina\u2019s economy is classified as highly inflationary in accordance with GAAP accounting requirements and, as a result, the functionalcurrency of our Argentina subsidiaries was changed from the local currency to U.S. Dollars and their non-U.S. Dollar denominated monetary assets and liabilitieswere subject to remeasurement resulting in losses. We could incur additional losses, which would adversely affect our results of operations.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5088, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "67c0bcbc-e428-468c-a1ab-ee1cd53835c6": {"__data__": {"id_": "67c0bcbc-e428-468c-a1ab-ee1cd53835c6", "embedding": null, "metadata": {"page_label": "32", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "fea4fc85-952e-4dfc-bb94-64c050963ebc", "node_type": "4", "metadata": {"page_label": "32", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b5210d19fecfdf1a438926f385a8f5ccf5cbe043c1a61e68769a8bbbea5cdb0a", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "b5dcec45-7f22-4855-8065-835a3e674ff8", "node_type": "1", "metadata": {"page_label": "32", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e3883f2336ad06ad95b3861689f48057e674d0fc26e5498b7c71e729c107fd95", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "We could incur additional losses, which would adversely affect our results of operations. For additionalinformation on the change in functional currency for our Argentina subsidiaries and the effect thereof, see Note 2 to the Consolidated Financial Statements includedelsewhere in this Report.\nAn impairment of our goodwill or other intangible assets could materially adversely affect our results of operations and book value.\nAs a result of acquisitions, we have added a considerable amount of goodwill and other intangible assets to our balance sheet. Goodwill represented 54% of ourtotal equity as of December 31, 2023. We review our goodwill annually in the fourth quarter for impairment or more frequently if indicators of impairment exist.Such circumstances include a significant adverse change in legal factors, an adverse action or assessment by a regulator, unanticipated competition, loss of keypersonnel or a\n30", "mimetype": "text/plain", "start_char_idx": 4999, "end_char_idx": 5921, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "24e27b83-d84c-438a-a4db-cdb7ae5f4fbf": {"__data__": {"id_": "24e27b83-d84c-438a-a4db-cdb7ae5f4fbf", "embedding": null, "metadata": {"page_label": "33", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "0851f032-f39c-4193-869e-02378e734156", "node_type": "4", "metadata": {"page_label": "33", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "a38435c9c3d735c6620192ae0ce960bbd0a6d83f880dc1d232f071dba9e6738b", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "9d79d076-39ec-43bd-bc26-defaef415e14", "node_type": "1", "metadata": {}, "hash": "9e1044ffd83da96b5de1c65628135ab2fa1660ce75917bbc7b5edc630bc94b0a", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "significant decline in our expected future cash flows due to changes in company-specific factors or the broader business climate. In addition, other intangible assets\ncollectively represented 12% of our total equity as of December 31, 2023. Estimated useful lives of finite intangible assets are reassessed on an annual basis.Generally, other intangible assets with finite lives are only tested for impairment if there are indicators of impairment identified, including a significant adversechange in the extent, manner or length of time in which the other intangible asset is being used or a significant adverse change in legal factors or in the businessclimate that could affect the value of the other intangible asset.\nAn impairment of goodwill or other intangible assets, or significant reduction in the useful lives of intangible assets, could have a material adverse effect on ourprofitability and book value. For more information on our annual goodwill impairment testing, the goodwill of our segments and related reporting units and\nintangible asset impairment testing, see \u201cItem 7 \u2013 Management\u2019s Discussion and Analysis of Financial Condition and Results of Operations \u2013 Critical AccountingEstimates \u2013 Valuation and Recoverability of Goodwill\u201d and Notes 2 and 15 to the Consolidated Financial Statements included elsewhere in this Report.\nFailure to maintain effective internal control over financial reporting could have a material adverse effect on our business and stock price.\nAs a public company, we are required to maintain effective internal control over financial reporting. While management has certified that our internal controlover financial reporting was effective as of December 31, 2023, because internal control over financial reporting is complex, there can be no assurance that ourinternal control over financial reporting will be effective in the future. We rely on manual processes and procedures that subject us to increased risk of error andinternal control failure compared to automated processes. In 2022, we identified and disclosed certain accounting errors. Although we are in the process ofimplementing an integrated global financial system to, among other things, minimize our reliance on and use of manual processes, there can be no assurance that theimplementation will be completed in a timely manner or on budget, or that it will achieve all of its intended goals. Any failure to implement required controls, ordifficulties or errors encountered in their operation, including as a result of remote work arrangements, could adversely affect our results of operations or cause us tofail to meet our reporting obligations. If we are not able to maintain or document effective internal control over financial reporting, our independent registered publicaccounting firm would be unable to certify the effectiveness of our internal control over financial reporting or opine that our financial statements fairly present, in allmaterial respects, our financial position, results of operations and cash flows in conformity with GAAP. Significant deficiencies or material weaknesses in internalcontrol over financial reporting may prevent us from reporting our financial information on a timely basis or cause us to restate previously issued financialinformation, and thereby subject us to litigation and adverse regulatory consequences, including fines and other sanctions, and would require us to claw back certainexecutive compensation, which would be costly and time-consuming. If any of the foregoing were to occur, investor confidence in us and the reliability of ourfinancial statements could erode, resulting in a decline in our stock price, impairing our ability to raise capital, negatively affecting our reputation and subjecting us tolegal and regulatory risk.\nUnfavorable conditions in the capital and credit markets may significantly and adversely affect our access to capital and our ability to pay our debts or expenses.\nThe global capital and credit markets have experienced periods of uncertainty, volatility and disruption, including the possibility of a U.S. governmentshutdown or default on its debt obligations, changes to U.S. and foreign tax and trade policies, imposition of new or increased tariffs, other trade restrictions, othergovernment actions, foreign currency fluctuations and other factors. Our ability to raise money during such periods could be severely or entirely restricted. Ourability to borrow or raise money is important if our operating cash flow is insufficient to pay our expenses, meet capital requirements, repay debt, pay dividends onour common stock or make investments. As a holding company, we have limited direct operations of our own. The principal sources of our liquidity are dividendsand other statutorily permissible payments from our subsidiaries, cash flow from our investment portfolio, the Credit Facility (as defined below) and liquid assets,consisting mainly of cash or assets that are readily convertible into cash. Sources of liquidity in normal markets include a variety of short-and long-term instruments.If our access to the capital and credit markets is restricted, our cost of capital could increase, thus decreasing our profitability and reducing our financial flexibility,including our ability to refinance maturities of existing indebtedness on similar or more favorable terms.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5383, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "9d79d076-39ec-43bd-bc26-defaef415e14": {"__data__": {"id_": "9d79d076-39ec-43bd-bc26-defaef415e14", "embedding": null, "metadata": {"page_label": "33", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "0851f032-f39c-4193-869e-02378e734156", "node_type": "4", "metadata": {"page_label": "33", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "a38435c9c3d735c6620192ae0ce960bbd0a6d83f880dc1d232f071dba9e6738b", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "24e27b83-d84c-438a-a4db-cdb7ae5f4fbf", "node_type": "1", "metadata": {"page_label": "33", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "9af8a40207423649633288dc313ffd6761b90892a909df7d7c195ab68699a9d7", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Our results of operations, financial condition, cash flows andstatutory capital position could be materially and adversely affected by periods of uncertainty, volatility and disruption in the capital or credit markets.\nOur investment portfolio is subject to market risk, including changes in interest rates, that may adversely affect our results of operations and financial condition.\nInvestment returns are an important part of our profitability. Our investments are subject to market-wide risks and fluctuations, including in the fixed maturity,equity securities and real estate markets, which could impair our profitability, financial condition and cash flows. Further, in pricing our products and services, weincorporate assumptions regarding returns on our investments. Market conditions may not allow us to invest in assets with sufficiently high returns to meet ourpricing assumptions and profit targets over the long term.\n31", "mimetype": "text/plain", "start_char_idx": 5384, "end_char_idx": 6317, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "4713c2cf-1df3-4cdb-b49a-875e3719b20f": {"__data__": {"id_": "4713c2cf-1df3-4cdb-b49a-875e3719b20f", "embedding": null, "metadata": {"page_label": "34", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "de061870-6258-44d9-97f6-3df6c4106544", "node_type": "4", "metadata": {"page_label": "34", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "8a3505595b7c92e5c9af36829b3edf5084bfc709d7ce2bd24b5f09a14965205a", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "20eb44f5-07e7-4b9f-a62d-d129e20f1a1d", "node_type": "1", "metadata": {}, "hash": "1fc3b30826f10293155b8626d93e29d983325f41218a84fd4eb914f625305e26", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "We are subject to interest rate risk in our investment portfolio. Changes in interest rates have, and may continue to, materially adversely affect the performanceof some of our investments, including by materially reducing the fair value of and investment income from fixed maturity securities and increasing unrealized lossesin our investment portfolio, which can adversely impact our capital. As of December 31, 2023, fixed maturity securities represented approximately 84% of our totalinvestments and full year 2023 gross investment income from fixed maturity securities totaled $335.3 million. The fair market value of fixed maturity securitiesgenerally increases or decreases in an inverse relationship with fluctuations in interest rates, while net investment income realized by us from future investments infixed maturity securities generally increases or decreases directly with fluctuations in interest rates. In addition, actual investment income and cash flows frominvestments that carry prepayment risk, such as mortgage-backed and other asset-backed securities, may differ from those anticipated at the time of investment as aresult of interest rate fluctuations.\nRecent periods have been characterized by an overall increase in interest rates. A prolonged period during which interest rates remain at high levels may resultin greater unrealized losses in our investment portfolio. Conversely, a prolonged period during which interest rates are at lower levels may result in lower-than-expected investment income. We attempt to mitigate certain interest rate risk with hedging activities but such activities may not be effective. Though we employasset/liability management strategies to manage the adverse effects of interest rate changes, significant fluctuations may require us to liquidate investments prior tomaturity at a significant loss to pay claims, which could have a material adverse effect on our results of operations and financial condition. See \u201cItem 7A \u2013 Quantitative and Qualitative Disclosures About Market Risk \u2013Interest Rate Risk\u201d in this Report.\nOur investment portfolio is subject to credit, liquidity and other risks that may adversely affect our results of operations and financial condition.\nWe are subject to credit risk in our investment portfolio, primarily from our investments in corporate bonds, preferred stocks, leveraged loans, municipal bondsand commercial mortgages. Defaults by third parties in the payment or performance of their obligations could reduce our investment income and result in realizedinvestment losses. The value of our investments may be materially adversely affected by downgrades in the corporate bonds included in our portfolio, increases intreasury rates or credit spreads and by other factors that may result in realized and unrealized investment losses and other-than-temporary impairments. Thedetermination that a security has incurred an other-than-temporary impairment requires the judgment of management and there are inherent risks and uncertaintiesinvolved in making these judgments. Changes in facts, circumstances or critical assumptions could cause management to conclude that further impairments haveoccurred, which could lead to additional losses on investments. Each of these events may cause us to reduce the carrying value of our investment portfolio. Forfurther details on net investment losses, see Note 8 to the Consolidated Financial Statements included elsewhere in this Report.\nThe value of any particular fixed maturity security is subject to impairment based on the creditworthiness of its issuer. As of December 31, 2023, fixed maturitysecurities represented approximately 84% and below investment grade securities (rated \u201cBB\u201d or lower by nationally recognized statistical rating organizations)represented approximately 5% of our total investments. Below investment grade securities generally are expected to provide higher returns but present greater riskand can be less liquid than investment grade securities. A significant increase in defaults and impairments on our fixed maturity securities portfolio could materiallyadversely affect our results of operations and financial condition. See \u201cItem 7A \u2013 Quantitative and Qualitative Disclosures About Market Risk \u2013 Credit Risk\u201d in thisReport for additional information on the composition of our fixed maturity securities portfolio.\nEquity securities represented approximately 3% of our total investments as of December 31, 2023. However, we have had higher percentages of equitysecurities in the past and may make more equity investments in the future. Investments in equity securities generally are expected to provide higher total returns butpresent greater risk to preservation of capital than our fixed maturity securities. All changes in the fair value of equity securities are reported in our statements ofoperations, which has increased the volatility of our financial results. See Note 2 to the Consolidated Financial Statements included elsewhere in this Report for moreinformation.\nOur investments in commercial mortgage loans on real estate (which represented approximately 4% of our total investments as of December 31, 2023) arerelatively illiquid. If we require extremely large amounts of cash on short notice, we may have difficulty selling these investments at attractive prices and in a timelymanner.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5365, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "20eb44f5-07e7-4b9f-a62d-d129e20f1a1d": {"__data__": {"id_": "20eb44f5-07e7-4b9f-a62d-d129e20f1a1d", "embedding": null, "metadata": {"page_label": "34", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "de061870-6258-44d9-97f6-3df6c4106544", "node_type": "4", "metadata": {"page_label": "34", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "8a3505595b7c92e5c9af36829b3edf5084bfc709d7ce2bd24b5f09a14965205a", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "4713c2cf-1df3-4cdb-b49a-875e3719b20f", "node_type": "1", "metadata": {"page_label": "34", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "87187fb79e7faf44f625655a92d11b625e58624bc7cfd9ee58ad0b15a8e73d2a", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "In addition, default rates and losses on commercial mortgage loans are affected by a number of factors, including many U.S. regional lenders that arereducing their exposure to such loans.\nThe manner in which we allocate our resources across the portfolio or the types of assets in which we seek to invest may increase credit, liquidity and otherrisks that may adversely affect our results of operations and financial condition.\n32", "mimetype": "text/plain", "start_char_idx": 5366, "end_char_idx": 5796, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "e16860e2-3484-475b-99b5-e683c2c4047f": {"__data__": {"id_": "e16860e2-3484-475b-99b5-e683c2c4047f", "embedding": null, "metadata": {"page_label": "35", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "105cbe31-5d33-444d-a543-7736a1b68bf0", "node_type": "4", "metadata": {"page_label": "35", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "1aa2322f606b1525ce153be605a659ffc9d99873f87e2def03193b100deb2212", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "fb88e59f-5a91-40d7-b692-16b7050b79c8", "node_type": "1", "metadata": {}, "hash": "4bf1c7963e364915f7730ea34e4f1cb16763a44d8fde92d32f707d6e8e6f7e68", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The value of our deferred tax assets could become impaired, which could materially and adversely affect our results of operations and financial condition.\nIn accordance with applicable income tax guidance, we must determine whether our ability to realize the value of our deferred tax asset or to recognize certaintax liabilities related to uncertain tax positions is \u201cmore likely than not\u201d. Under current income tax guidance, a deferred tax asset should be reduced by a valuationallowance, or a liability related to uncertain tax positions should be accrued, if, based on the weight of all available evidence, it is more likely than not that someportion of the deferred tax asset will not be realized. The realization of deferred tax assets depends upon the existence of sufficient taxable income of the samecharacter during the carryback or carry-forward periods.\nIn determining the appropriate valuation allowance, management made certain judgments relating to recoverability of deferred tax assets, use of tax loss and taxcredit carry-forwards, levels of expected future taxable income and available tax planning strategies. The assumptions in making these judgments are updatedperiodically on the basis of current business conditions affecting us and overall economic conditions. These management judgments are therefore subject to changedue to factors that include changes in our ability to realize sufficient taxable income of the same character in the same jurisdiction or in our ability to execute othertax planning strategies. Furthermore, any future changes in tax laws could impact the value of our deferred tax assets. Management will continue to assess anddetermine the need for, and the amount of, the valuation allowance in subsequent periods. Any change in the valuation allowance could have a material adverseimpact on our results of operations and financial condition.\nReinsurance may not be adequate or available to protect us against losses, and we are subject to the credit risk of reinsurers.\nAs part of our overall risk and capacity management strategy, we purchase reinsurance for certain risks underwritten by our various operating segments. Wealso access the Florida Hurricane Catastrophe Fund (\u201cFHCF\u201d) and the Reinsurance to Assist Policyholders (\u201cRAP\u201d) program to reinsure eligible Florida risks, withthe FHCF providing coverage each year and the RAP program providing coverage for the 2023 wind season. Although reinsurers are liable to us for claims properlyceded under our reinsurance arrangements, we remain liable to the insured as the direct insurer on all risks reinsured. Ceded reinsurance arrangements therefore donot eliminate our obligation to pay claims. We are subject to credit and other risks with respect to our ability to recover amounts due from reinsurers, the FHCF andthe RAP program. The inability to collect amounts due from reinsurers and any changes in the FHCF and the RAP program could materially adversely affect ourresults of operations and financial condition.\nThe availability and cost of reinsurance are subject to prevailing reinsurance market conditions, which have been, and in the future may continue to be,adversely impacted by: the occurrence of significant reinsured events, including catastrophes, or expectations regarding increased occurrences of such events due toclimate change; and other impacts on reinsurers\u2019 capital, such as increased demand for coverage driven by inflation, a volatile investment market or unforeseenlitigation costs. Premiums charged for reinsurance coverage increased significantly in 2023 but have moderated slightly in 2024. In the future, we may not be able toobtain reinsurance coverage for some of our businesses at commercially reasonable rates or at all. In such a situation, we might be adversely affected by state and\nother regulations that prohibit us from excluding catastrophe exposures or from withdrawing from or increasing premium rates in catastrophe-prone areas. Inaddition, we may not be able to renew our current reinsurance facilities or obtain other reinsurance facilities in adequate amounts, at favorable rates and withfavorable terms. The inability to obtain reinsurance at favorable rates or at all could cause us to reduce the level of our underwriting commitments, take more risk,hold more capital or incur higher costs. Any of these developments could materially adversely affect our results of operations and financial condition.\nThrough reinsurance, we have sold or exited businesses that could again become our direct financial and administrative responsibility if the reinsurers becomeinsolvent.\nIn the past, we have sold, and in the future we may sell, businesses through reinsurance ceded to third parties. We have exited, expect to fully exit and in thefuture may exit certain businesses, including small commercial, through reinsurance. We have a reinsurance recoverable balance with John Hancock Life InsuranceCompany (\u201cJohn Hancock\u201d) of $416.0 million as of December 31, 2023, related to the sale of our Long-Term Care division through reinsurance. The A.M. Bestrating of John Hancock is currently A+.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5135, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "fb88e59f-5a91-40d7-b692-16b7050b79c8": {"__data__": {"id_": "fb88e59f-5a91-40d7-b692-16b7050b79c8", "embedding": null, "metadata": {"page_label": "35", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "105cbe31-5d33-444d-a543-7736a1b68bf0", "node_type": "4", "metadata": {"page_label": "35", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "1aa2322f606b1525ce153be605a659ffc9d99873f87e2def03193b100deb2212", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "e16860e2-3484-475b-99b5-e683c2c4047f", "node_type": "1", "metadata": {"page_label": "35", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "5f498528c9115cf6c5f3bc64f49cce947bc9d5fe6b30bec358a17fb670d4fc2c", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The A.M. Bestrating of John Hancock is currently A+. Certain assets backing reserves reinsured under this sale and other sales are held in trusts or separate accounts. However, ifthe reinsurers became insolvent, the assets in the trusts or separate accounts could prove insufficient to support the liabilities that would revert to us and we may againbecome responsible for administering these businesses. We do not currently have the administrative systems and capabilities to process these businesses. We might beforced to obtain such capabilities on unfavorable terms with a resulting material adverse effect on our results of operations and financial condition. In addition, otherthird parties to whom we have sold businesses in the past may in turn sell these businesses to other third parties, through reinsurance or otherwise, and we could facecredit risks and risks related to the new administrative systems and capabilities of these third parties in administering these businesses.\n33", "mimetype": "text/plain", "start_char_idx": 5083, "end_char_idx": 6075, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "29962c4b-b45f-4c03-a142-04723a3a397a": {"__data__": {"id_": "29962c4b-b45f-4c03-a142-04723a3a397a", "embedding": null, "metadata": {"page_label": "36", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "f6a8447e-4a09-4fcb-8c85-7111e4cbab73", "node_type": "4", "metadata": {"page_label": "36", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ffcd5105cc1d8defacebb96951931ae48dbb020151148bbed356f0d46dd666b8", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "3a84cb9f-1714-4618-9c2b-6b0999dab7a2", "node_type": "1", "metadata": {}, "hash": "e2381d681c1d8678e77d7cc8ea8199b40cc3c9c68adbfd5d691fc1729b6b4393", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "For more information on these arrangements, including the reinsurance recoverables and risk mitigation mechanisms used, see Note 18 to the ConsolidatedFinancial Statements included elsewhere in this Report.\nWe are exposed to risks related to the creditworthiness and reporting systems of some of our agents, third-party administrators and clients.\nWe are subject to the credit risk of some of the agents, third-party administrators, clients and client-owned reinsurance companies with which we contract in ourbusinesses. We may incur losses related to accounts receivables, write-downs of upfront fees, write-downs of deferred acquisition costs, insurance reserves held bythird parties with or without collateral (including the impairment of any collateral), reimbursement of claims or commissions prepaid by us and loans granted to suchcounterparties. In addition, some of our agents, third-party administrators and clients collect and report premiums or pay claims on our behalf. Also, under certaincontractual arrangements, we pay claims on behalf of third parties and subsequently seek reimbursement. These parties\u2019 failure to remit all premiums collected or topay claims on our behalf or to reimburse us for paid claims on a timely and accurate basis could have an adverse effect on our results of operations.\nOur subsidiaries\u2019 inability to pay us sufficient dividends could prevent us from meeting our obligations and paying future stockholder dividends.\nAs a holding company whose principal assets are the capital stock of our subsidiaries, we rely primarily on dividends and other statutorily permissible paymentsfrom our subsidiaries to meet our obligations for payment of interest and principal on outstanding debt obligations, to repurchase shares or debt, to pay for certainexpenses, to acquire new businesses, and to pay dividends to common stockholders. Our subsidiaries\u2019 ability to pay dividends and to make such other paymentsdepends on their GAAP equity or statutory surplus, future earnings, cash position, rating agency requirements and regulatory restrictions, as applicable. Regulatorscould increase capital requirements for our subsidiaries, thereby reducing deployable capital at such subsidiary. Except to the extent that we are a creditor withrecognized claims against our subsidiaries, claims of our subsidiaries\u2019 creditors, including policyholders, have priority over our claims with respect to oursubsidiaries\u2019 assets and earnings. If any of our subsidiaries becomes insolvent, liquidates or otherwise reorganizes, our creditors and stockholders will have no right toproceed against our subsidiary\u2019s assets or to cause the liquidation, bankruptcy or winding-up of our subsidiary under applicable liquidation, bankruptcy or winding-uplaws. The applicable insurance laws of the jurisdiction where each of our insurance subsidiaries is domiciled would govern any proceedings relating to that subsidiaryand the insurance authority of that jurisdiction would act as a liquidator or rehabilitator for the subsidiary.\nThe payment of dividends by any of our regulated domestic insurance company subsidiaries in excess of specified amounts (i.e., extraordinary dividends) mustbe approved by the subsidiary\u2019s domiciliary jurisdiction department of insurance. Ordinary dividends, for which no regulatory approval is generally required, arelimited to amounts determined by a formula, which varies by jurisdiction. Some jurisdictions have an additional stipulation that dividends may only be paid out ofearned surplus. If insurance regulators determine that payment of an ordinary dividend or any other payments by our insurance subsidiaries to us (such as paymentsunder a tax sharing agreement or payments for employee or other services) would be adverse to policyholders or creditors, they may block such payments that wouldotherwise be permitted without prior approval. Future regulatory actions could further restrict our insurance subsidiaries\u2019 ability to pay us dividends. For moreinformation on the maximum amount of dividends our regulated U.S. domiciled insurance subsidiaries could pay us in 2023 under applicable laws and regulations,without prior regulatory approval, see \u201cItem 5 \u2013 Market for Registrant\u2019s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities \u2013 Dividend Policy.\u201d\nAny additional material restrictions on our insurance subsidiaries\u2019 ability to pay us dividends could adversely affect our ability to pay any dividends on ourcommon stock, service our debt and pay other expenses.\nOur ability to declare and pay dividends on our capital stock may be limited.\nOur declaration and payment of dividends on our common stock in the future will be determined by the Board in its sole discretion and will depend on variousfactors, including: our subsidiaries\u2019 payment of dividends and other statutorily permissible payments to us; our results of operations and cash flows; our financialcondition and capital requirements; general business conditions and growth prospects; any legal, tax, regulatory and contractual restrictions on the payment ofdividends; and any other factor the Board deems relevant. The payment of dividends on our common stock may be subject to the preferential rights of preferred stockthat the Board may create from time to time.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5315, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "3a84cb9f-1714-4618-9c2b-6b0999dab7a2": {"__data__": {"id_": "3a84cb9f-1714-4618-9c2b-6b0999dab7a2", "embedding": null, "metadata": {"page_label": "36", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "f6a8447e-4a09-4fcb-8c85-7111e4cbab73", "node_type": "4", "metadata": {"page_label": "36", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ffcd5105cc1d8defacebb96951931ae48dbb020151148bbed356f0d46dd666b8", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "29962c4b-b45f-4c03-a142-04723a3a397a", "node_type": "1", "metadata": {"page_label": "36", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d0860a7efb3c87c54c92746daa7d65345e2dd424e5f0bfcee107cd83f6dd25cb", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The Credit Facility contains limitations on our ability to pay dividends to our stockholders if we are in default, or suchdividend payments would cause us to be in default, of our obligations thereunder. In addition, if we defer the payment of interest on our Subordinated Notes (asdefined hereafter), we generally may not make payments on our capital stock. Furthermore, the agreements governing any of our or our subsidiaries\u2019 futureindebtedness may limit our ability to declare and pay dividends on our common stock. In the event that any agreements governing any such indebtedness restrict ourability to declare and pay dividends in cash on our common stock, we may be unable to declare and pay dividends in cash on our common stock unless we can repayor refinance the amounts outstanding under such agreements.\n34", "mimetype": "text/plain", "start_char_idx": 5316, "end_char_idx": 6134, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "ab4bd0ad-47a6-4025-a682-b2eb15995f37": {"__data__": {"id_": "ab4bd0ad-47a6-4025-a682-b2eb15995f37", "embedding": null, "metadata": {"page_label": "37", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "38b4eb78-d4e3-4975-99ae-2343aa4d3a8f", "node_type": "4", "metadata": {"page_label": "37", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "7f918d5f24852562c24c21a587aef639ab8cc21a7928e7e51ffd3e4614b6d0be", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "5c448163-c0cb-4d91-8414-08612e030da7", "node_type": "1", "metadata": {}, "hash": "490ed9e01996ade7703844ccefcdfee083bea0b0b40c1949db2a46da2039847f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Actual results may differ materially from the analytical models we use to assist in our decision-making in key areas such as pricing, catastrophe risks, reservingand capital management.\nWe use various modeling techniques and data analytics throughout the organization to analyze and estimate exposures, loss trends, and other risks associatedwith our assets, liabilities, profitability and cash flows. This includes both proprietary and third-party modeled outputs and related analysis to assist us in decision-making related to pricing and rate filings, catastrophe and non-catastrophe modeling, loss reserving, asset management, corporate tax, financial reporting, and riskand capital management, among other things. The modeled outputs and related analyses are subject to uncertainties and the inherent limitations of any statisticalanalysis, including model design errors; rely on numerous assumptions and the use of historical internal and industry data; and may lead to unintentional bias. Inaddition, climate change may make it more difficult to predict and model catastrophes, reducing our ability to accurately price our exposure to such events andmitigate risks. As a result, actual results may differ materially from our modeled results. If, based upon these models, we misprice our products, underestimate thefrequency or severity of catastrophes and non-catastrophe losses, or fail to appropriately estimate the risks we are exposed to, which has occurred from time to time,our business, results of operations and financial condition may be materially adversely affected.\nTechnology, Cybersecurity and Privacy Risks\nThe failure to effectively maintain and modernize our technology systems and infrastructure and integrate those of acquired businesses could adversely affectour business.\nThe success of our business depends on our ability to maintain effective, secure and reliable technology systems and infrastructure and to modernize them tosupport current and new clients and grow in an efficient and cost-effective manner. Some of the Company\u2019s technology systems and software are legacy-type systemsthat are less efficient and require an ongoing commitment of significant resources to maintain or upgrade to current standards, including business continuityprocedures. We are undergoing a multiyear transformation of our information technology systems and infrastructure involving several enterprise-wide technologyinitiatives to support our strategy and keep pace with continuing changes in information processing technology and evolving industry and regulatory requirements.This includes implementing an integrated global financial system; enhancing existing systems, procedures and controls; developing new systems and products; andretiring certain legacy systems. We have also migrated many of our systems and applications to the cloud, which is key to our technology strategy. We currently relyon significant manual processes and procedures that subject us to increased risk of error and internal control failure compared to automated processes. We mustintegrate the systems of acquired businesses effectively so that technology gained through acquisitions meets the required level of security and performancecapabilities to avoid additional risk to existing operations.\nOur ability to modernize our technology systems and infrastructure requires us to execute large-scale, complex programs and projects, which rely on thecommitment of significant financial and managerial resources and effective planning and management processes. We may be unable to implement these programsand projects effectively, efficiently or in a timely manner, which could result in operational resiliency issues, poor customer experience, cost overruns, additionalexpenses, reputational harm, legal and regulatory actions, and other adverse consequences.\nIf we are unable to maintain technology systems, infrastructure, procedures (including technology continuity planning and recovery testing) and controls thatfunction effectively without interruption and securely (including through a failure to replace or update redundant or obsolete hardware, applications or softwaresystems), or to update or integrate our systems, we may not be able to service our clients and their customers, successfully offer our products, grow our business andaccount for transactions in an appropriate and timely manner, and our relationships with clients could be adversely affected. We are dependent on vendors and otherthird parties to maintain reliable and secure network systems that provide adequate speed and data capacity. For example, we utilize third-party cloud serviceproviders in connection with certain key aspects of our business and operations, including in the Global Automotive businesses and in implementing an integratedglobal financial system, and any disruption of, or interference with, our use of such cloud services could have a material adverse impact on our business andoperations. We have from time to time experienced operational resiliency issues, including the unavailability of technology systems upon which our clients rely. Suchfailures could result in loss of business and adversely affect our financial condition and results of operations.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5254, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "5c448163-c0cb-4d91-8414-08612e030da7": {"__data__": {"id_": "5c448163-c0cb-4d91-8414-08612e030da7", "embedding": null, "metadata": {"page_label": "37", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "38b4eb78-d4e3-4975-99ae-2343aa4d3a8f", "node_type": "4", "metadata": {"page_label": "37", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "7f918d5f24852562c24c21a587aef639ab8cc21a7928e7e51ffd3e4614b6d0be", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "ab4bd0ad-47a6-4025-a682-b2eb15995f37", "node_type": "1", "metadata": {"page_label": "37", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b1ab6cca917e885dd5834068011b6f628d37fe663199a3c0a36aacb7993dcbd1", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "For risks relating to the security of our technologysystems and cybersecurity incidents, see \u201c \u2013 We could incur significant liability if our technology systems or those of third parties are breached or we or third partiesotherwise fail to protect the security of data residing on our respective systems, which could adversely affect our business and results of operations.\u201d\nWe could incur significant liability if our technology systems or those of third parties are breached or we or third parties otherwise fail to protect the security ofdata residing on our respective systems, which could adversely affect our business and results of operations.\nWe rely on the uninterrupted and secure operation of our technology systems, including information technology systems and operational technology systems, tooperate our business and securely process, transmit and store electronic information.\n35", "mimetype": "text/plain", "start_char_idx": 5255, "end_char_idx": 6149, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "10110b26-c0a9-4b4b-84d8-2fa0abce9987": {"__data__": {"id_": "10110b26-c0a9-4b4b-84d8-2fa0abce9987", "embedding": null, "metadata": {"page_label": "38", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "caf17c14-71d1-433b-8276-c5de547c5edd", "node_type": "4", "metadata": {"page_label": "38", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "454f34db90a77b24f53c3c328cc0e92c8be7004771c8de20619761f2babd6334", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "d59b9465-7174-4d17-a5db-9f9717417a77", "node_type": "1", "metadata": {}, "hash": "f941190b7bd066c709edb915ac1d873091f03526f210afbb1cdb573fc950fc38", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "This electronic information includes confidential and other sensitive information, including personal data, that we receive from our customers, vendors and otherthird parties. Our technology systems and safety control systems and those of our vendors and other third parties with whom we share sensitive information arevulnerable to, and in some cases have been subject to, damage or interruption from a variety of external threats, including cybersecurity incidents, computer viruses,malware and ransomware, as well as targeted attacks against our employees, which have been increasing in frequency.\nCybersecurity incidents are rapidly evolving and becoming increasingly sophisticated, partly due to the growing use of artificial intelligence by maliciousactors. We are at risk of attack, and from time to time have been the subject of an attack, by a growing list of adversaries, including state-sponsored organizations,organized crime, hackers and \u201chacktivists\u201d (activist hackers), through the use of increasingly sophisticated methods of attack, including long-term, persistent attacksreferred to as advanced persistent threats, attacks via yet unknown vulnerabilities referred to as zero-day threats and credential harvesting attacks against ouremployees. Because the techniques used to obtain unauthorized access or sabotage systems change frequently and generally are not identified until they are launchedagainst a target, we may be unable to anticipate these techniques or implement adequate preventative measures, resulting in potential data loss or other damage totechnology systems. As the breadth and complexity of the technologies we use continue to grow, and as a result of the remote and hybrid work arrangements for asignificant portion of our employees, the risk of security breaches and cybersecurity incidents has increased.\nOur systems have also been subject to compromise from internal threats such as improper action by employees and third parties who may have otherwiselegitimate access to our systems. Our call centers subject us to additional risk from internal threats due to access to personal data. Moreover, we face the ongoingchallenge of managing access controls in a complex environment. Remote and hybrid work arrangements, including the use of personal devices and home networksthat are not managed by the organization\u2019s security control framework, bypass certain physical security controls for our employees and the employees of our vendorswho have access to sensitive information. While additional controls have been put in place, they may not be sufficient to discover compromises that occur due to theloss of physical controls. The latency of a compromise is often measured in months, and we may not be able to detect a compromise in a timely manner. We couldexperience significant financial and reputational harm as a result of operational resiliency issues, including if our technology systems are breached, sensitive client orCompany data are compromised, modified, rendered inaccessible for any period of time or made public, or if we fail to make adequate disclosures to the public orlaw enforcement agencies following any such event.\nOur data protection measures may not be effective to protect our network and systems from external and internal threats. Should an attacker gain access to ournetwork using compromised credentials of an authorized user or otherwise, or gain entry as a result of a zero-day exploit or other vulnerabilities that may exist in oursystems environment, which has occurred from time to time, we are at risk that the attacker might successfully leverage that access to compromise additional systemsand data. Certain measures that could increase the security of our systems take significant time and resources to deploy broadly and may not be effective against anattack. Additionally, our policies, procedures and technical safeguards may be insufficient to prevent or detect improper access to confidential, personal or proprietaryinformation and other cybersecurity incidents, assess the severity or impact of any such incidents or appropriately respond in a timely manner. The inability toimplement, maintain and upgrade effective protective measures and other safeguards or adequately respond to a breach could have a material adverse effect on ourbusiness.\nAlthough we continue to invest in security and engage in best practices for software development, code vulnerabilities may still be introduced into productionenvironments. Our technology systems must be continually patched and upgraded to protect against vulnerabilities, including zero-day threats, and we are at risk thatcyber attackers exploit these vulnerabilities before they have been addressed. Due to the large number and age of the systems and platforms that we operate and theincreased frequency with which vendors issue security patches to their products, the need to test patches and, in some cases coordinate with clients and vendors,before they can be deployed, we are at risk that we cannot deploy these patches to remediate these vulnerabilities in a timely and effective manner. We are dependenton vendors and other third parties, such as cloud service providers, to keep their systems patched in order to protect our data. We have vendors and other third partieswho receive data from us in connection with the services we offer our customers. In addition, we have migrated certain data, and may increasingly migrate data, tothe cloud hosted by third-party providers.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5516, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "d59b9465-7174-4d17-a5db-9f9717417a77": {"__data__": {"id_": "d59b9465-7174-4d17-a5db-9f9717417a77", "embedding": null, "metadata": {"page_label": "38", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "caf17c14-71d1-433b-8276-c5de547c5edd", "node_type": "4", "metadata": {"page_label": "38", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "454f34db90a77b24f53c3c328cc0e92c8be7004771c8de20619761f2babd6334", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "10110b26-c0a9-4b4b-84d8-2fa0abce9987", "node_type": "1", "metadata": {"page_label": "38", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ce815d0ccc7d5d33b55528e185991165c95714c36e328444f75bc2b71a363d3d", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "We are at risk of a cybersecurity incident involving a vendor or other third party, which could result in a breakdown of suchthird party\u2019s data protection measures or access to our infrastructure through the third party. To the extent that a vendor or third party suffers a cybersecurity incidentthat compromises their operations, our data and our customers\u2019 data could be compromised or we may experience service interruption. Any failure related to theseactivities and operational resiliency could have a material adverse effect on our business.\nThe process of integrating the technology systems of the businesses we acquire is complex and exposes us to additional risk. For instance, we may notadequately identify weaknesses in an acquired entity\u2019s technology systems, either before or after the acquisition, which could affect the value we are able to derivefrom the acquisition, expose us to unexpected liabilities or make our own systems more vulnerable to a cybersecurity incident. We may be unable to integrate thesystems of the\n36", "mimetype": "text/plain", "start_char_idx": 5517, "end_char_idx": 6556, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "1811f6ac-464f-4e08-82fc-085d84b1f184": {"__data__": {"id_": "1811f6ac-464f-4e08-82fc-085d84b1f184", "embedding": null, "metadata": {"page_label": "39", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3c9729c4-7504-4c55-87a1-10e32cb12de9", "node_type": "4", "metadata": {"page_label": "39", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "1f7e1d58a8807b0974a0735da7c12bb01e03ebff3e8da0da7c37a0884012068e", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "7a349d32-6bb4-445c-bb01-da182dc61550", "node_type": "1", "metadata": {}, "hash": "4f114c15167de93d5d2cebf6698b57e0f813bd8d74a862980c9772bd91b6dfa3", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "businesses we acquire into our environment in a timely manner, which could further increase these risks until such integration takes place.\nWe have from time to time experienced cybersecurity incidents, such as malware incursions, distributed denial of service attacks, hardware misconfigurations,zero-day exploits, credential harvesting, social engineering attacks, employee misconduct and incidents resulting from human error, such as loss of portable and otherdata storage devices. Like many companies, we are subject to regular phishing email and social media engineering campaigns directed at our employees that havebecome more sophisticated and successful, partly through the use of artificial intelligence, and can result in malware infections and financial and data losses.Although some of these incidents have resulted in data loss and other damages, to date, they have not had a material adverse effect on our business or operations. Inthe future, these types of incidents could result in confidential, restricted personal or proprietary information being lost or stolen, modified, rendered inaccessible forany period of time, or made public, including client, employee or Company data, which could have a material adverse effect on our business.\nImproper access to or disclosure of sensitive client or Company information, which has occurred from time to time, could harm our reputation and subject us tosignificant liability under our contracts, as well as under existing or future laws, rules and regulations. In the event of a cybersecurity incident, we might have to takeour systems offline, which could interfere with services to our clients or damage our reputation. In addition, our liability insurance policy, which includes cyberinsurance, may not be sufficient in type or amount to fully cover us against claims and costs related to security breaches, cybersecurity incidents, and other relateddata and system incidents.\nLegal and Regulatory Risks\nWe are subject to extensive laws and regulations, which increase our costs and could restrict the conduct of our business, and violations or alleged violations ofsuch laws and regulations could have a material adverse effect on our reputation, business and results of operations.\nWe are subject to extensive regulation under the laws of the U.S. and its various states and territories, the E.U. and its member states, the U.K. and the otherjurisdictions in which we operate. We are subject to anti-bribery and anti-corruption laws, such as the FCPA and the U.K. Anti-Bribery Act, trade sanctions, exportcontrol regulations and restrictions and anti-money laundering laws. We are subject to other laws and regulations on matters as diverse as antitrust, internal controlover financial reporting and disclosure controls and procedures, accounting standards implemented by the Financial Accounting Standards Board and accounting-related rules and interpretations of the Securities and Exchange Commission, environmental protection, wage-and-hour standards, and employment and laborrelations. In addition, new or proposed environmental, social and governance laws and regulations, including those related to climate change, may result in expandedmandatory and voluntary reporting, diligence and disclosure. There is also significant uncertainty in the evolving regulatory regime relating to artificial intelligence,and our current use and continued exploration of the use of this technology in our business may subject us to regulatory scrutiny, litigation, and social and ethicalconcerns.\nOur domestic and international insurance subsidiaries are subject to extensive regulatory oversight, including: restrictions and requirements related to licensing;capital, surplus and dividends; underwriting limitations; the ability to enter, exit and continue to operate in markets; statutory accounting and other disclosurerequirements; the ability to provide, terminate or cancel certain coverages; premium rates, including regulatory ability to disapprove or reduce the premium ratescompanies may charge; trade and claims practices; product forms, including regulatory ability to disapprove new product filings; content of disclosures to consumers;type, amount and valuation of investments; assessments or other surcharges for guaranty funds and companies\u2019 ability to recover assessments through premiumincreases; and market conduct and sales practices.\nThe U.S. and foreign laws and regulations that apply to our operations are complex and may change rapidly, and our efforts to comply with them requiresignificant resources and increase the costs and risks of doing business. The regulations we are subject to have become more stringent over time, may decrease theneed for our services, impose significant operational limits on our business and may be inconsistent across jurisdictions. Further, the laws and regulations affectingour business are subject to change as a result of, among other things, new interpretations and judicial decisions, and any such changes may increase the regulatoryrequirements imposed on us, impact the way we are able to do business, impact efforts to protect intellectual and other property, and significantly harm our businessand results of operations.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5245, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "7a349d32-6bb4-445c-bb01-da182dc61550": {"__data__": {"id_": "7a349d32-6bb4-445c-bb01-da182dc61550", "embedding": null, "metadata": {"page_label": "39", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3c9729c4-7504-4c55-87a1-10e32cb12de9", "node_type": "4", "metadata": {"page_label": "39", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "1f7e1d58a8807b0974a0735da7c12bb01e03ebff3e8da0da7c37a0884012068e", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "1811f6ac-464f-4e08-82fc-085d84b1f184", "node_type": "1", "metadata": {"page_label": "39", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "a3c72ae2da76c1d5cc994cdd09c893706378a2f8ebbe4d6a40b2ef9d59d9540a", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "While we attempt to comply with applicable laws and regulations, there can be no assurance that we or our employees, consultants,contractors and other agents are in full compliance with such laws and regulations at all times or that we will be able to comply with any future laws or regulations. Ifwe fail to comply with applicable laws and regulations, which occurs from time to time, we may be subject to investigations, criminal penalties, civil remedies orother adverse consequences, including fines, injunctions, loss of an operating license or approval, increased scrutiny or oversight by regulatory authorities, thesuspension of individual employees, limitations on engaging in a particular business, redress to clients, exposure to negative publicity or reputational damage andharm to client, employee and other relationships. Moreover, our failure to comply with laws or regulations in one jurisdiction may result in increased regulatoryscrutiny by other regulatory agencies in that jurisdiction or regulatory agencies in other jurisdictions. The costs of compliance and the consequences of non-compliance could have a material adverse effect on our\n37", "mimetype": "text/plain", "start_char_idx": 5246, "end_char_idx": 6407, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "7be8c9ac-bd4b-48bf-bfd2-b6113431e417": {"__data__": {"id_": "7be8c9ac-bd4b-48bf-bfd2-b6113431e417", "embedding": null, "metadata": {"page_label": "40", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "79147364-713c-4dde-87c7-3f3d0f05d416", "node_type": "4", "metadata": {"page_label": "40", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "de945a52ef9d1da5f7796f6a47060c85c46766e052f29da08f3fc753f00c2a4b", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "business, results of operations and financial condition. For additional discussion of the various laws and regulations affecting our business, see \u201cItem 1 \u2013 Business \u2013 Regulation\u201d in this Report.\nChanges in tax laws and regulations could have a material adverse impact on our results of operations and financial condition.\nFederal, state or foreign tax laws and regulations, or their interpretation and application, are subject to significant change and may have a material adverseimpact on our results of operations and financial condition. For example, in 2022, the Inflation Reduction Act (the \u201cIRA\u201d), which introduced a 15% corporatealternative minimum tax applicable to corporations in certain situations and a 1% excise tax on corporate share repurchases, among other things, was enacted.Compliance with the IRA may require the collection of information not regularly produced within the Company, the use of estimates in our Consolidated FinancialStatements, the exercise of significant judgment in accounting for its provisions and increase costs. In addition, the Organization for Economic Co-operation andDevelopment\u2019s (the \u201cOECD\u201d) efforts around Global Pillars I and II dealing with possible new digital taxes and global minimum taxes could increase the Company\u2019soverall tax burden, adversely impacting the Company\u2019s business, results of operations and financial condition. As part of the OECD\u2019s Global Pillar II rules, theOECD recommended a 15% global minimum tax on adjusted financial reported income. Many jurisdictions, including Japan, the European Union and the UnitedKingdom, have adopted or plan to adopt Global Pillar II for tax years beginning in 2024. The overall impact of the IRA and the OECD\u2019s Global Pillar I and II rules isuncertain due to the ambiguities in the application of certain provisions, the impact of future guidance, interpretations or rules issued by government agencies andpotential court decisions interpreting the legislation. Future changes in tax laws, including changes in the application or interpretation of the IRA, the OECD\u2019s GlobalPillar I and II rules, or increases to the corporate tax rate, could have a material adverse impact on our results of operations and financial condition.\nOur business is subject to risks related to litigation and regulatory actions.\nFrom time to time, we may be, and in certain cases have been, subject to a variety of legal and regulatory actions relating to our current and past businessoperations, including:\n\u2022 industry-wide investigations regarding business practices, including the use and marketing of certain types of insurance policies or certificates of insurance, andcompliance with guidance issued by regulators;\n\u2022 actions by regulatory authorities that may restrict our ability to increase or maintain our premium rates, require us to reduce premium rates, require us to allowcustomers to defer premium payments on certain of our products, make offering our products more expensive or unattractive to our clients, impose fines orpenalties, and result in other expenses;\n\u2022 market conduct examinations, for which we are required to pay the expenses of the regulator as well as our own expenses, and which may result in fines,penalties, and other adverse consequences;\n\u2022 disputes regarding our lender-placed insurance products, including those relating to rates, agent compensation, consumer disclosure, continuous coveragerequirements, loan tracking services and other services that we provide to mortgage servicers;\n\u2022 disputes over coverage or claims adjudication, including in our sharing economy business;\n\u2022 disputes over our treatment of claims, in which states or insureds may allege that we failed to make required payments or meet prescribed deadlines foradjudicating claims;\n\u2022 disputes regarding regulatory compliance, sales practices, disclosures, premium refunds, licensing, underwriting and compensation arrangements, including ifour climate change mitigation plans and targets are not met;\n\u2022 disputes over liability claims under comprehensive general liability policies involving property damage or personal injury at insured properties or relating toinsured vehicles;\n\u2022 disputes alleging bundling of credit insurance and extended service contracts and related products with other products provided by financial institutions;\n\u2022 disputes with tax and insurance authorities regarding our tax liabilities;\n\u2022 investigations alleging violations of fraud, sanctions, money laundering and/or export control laws;\n\u2022 disputes relating to customers\u2019 claims that they were not aware of the full cost or existence of the insurance or limitations on insurance coverage;\n\u2022 disputes relating to protecting our intellectual property portfolio and by third parties alleging intellectual property infringement; and\n38", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4802, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "a9b575d6-34b5-43f7-9fca-a79e4c394ba6": {"__data__": {"id_": "a9b575d6-34b5-43f7-9fca-a79e4c394ba6", "embedding": null, "metadata": {"page_label": "41", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "63303fff-18f2-44ab-8a5f-6860553d8aeb", "node_type": "4", "metadata": {"page_label": "41", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "47c5698efafc6cdddd2f29c20bdbcd981cfd1d397c2180e80d7d1b28372f10a0", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "d8f360ea-34bf-4dda-9d63-587d6c95934e", "node_type": "1", "metadata": {}, "hash": "29f1d8755c434b4b06196d9ff7098d4f26fa0d8cddefab5042fb8119fae59294", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "\u2022 employment litigation claims brought by current or former employees.\nFurther, actions by certain regulators may cause additional changes to the structure of the lender-placed insurance industry, including the arrangements underwhich we track coverage on mortgaged properties. These changes could materially adversely affect the results of operations of Global Housing and the results of\noperations and financial condition of the Company. For additional information, see \u201cItem 1 \u2013 Business \u2013 Regulation\u201d in this Report.\nWe are involved in a variety of litigation and legal and regulatory proceedings relating to our current and past business operations and may, from time to time,become involved in other such actions. We continue to defend ourselves vigorously in these proceedings.\nWe participate in settlements on terms that we consider reasonable; however, the results of any pending or future litigation and regulatory proceedings areinherently unpredictable and involve significant uncertainty. Unfavorable outcomes in litigation or regulatory proceedings or significant problems in our relationshipswith regulators could materially adversely affect our results of operations, financial condition, reputation, ratings and ability to continue to do business. They couldexpose us to further investigations or litigation. In addition, certain of our clients in the mortgage, auto financing, credit card and banking industries are the subject ofvarious regulatory investigations and litigation matters regarding mortgage lending practices, credit insurance, debt-deferment and debt cancellation products, and thesale of protection products, which could indirectly negatively affect our businesses. For additional information, see \u201cItem 3 \u2013 Legal Proceedings\u201d and Note 28 to theConsolidated Financial Statements included elsewhere in this Report.\nThe costs of complying with, or our failure to comply with, U.S. and foreign laws related to privacy, data security and data protection could adversely affect ourfinancial condition, operating results and reputation.\nIn providing services and solutions to our customers and operating our business, we process, store and transfer sensitive customer, end-consumer and Companydata, including personal data, in and across multiple jurisdictions. As a result, we are or may become subject to a variety of laws and regulations in the U.S. and\nabroad regarding privacy, data protection and data security. For discussion of the various laws and regulations affecting our business, see \u201cItem 1 \u2013 Business \u2013Regulation\u201d in this Report. The scope and interpretation of these laws and additional laws that are or may be applicable to us are continuously evolving, oftenuncertain and may be conflicting, particularly with respect to foreign laws. All of these evolving compliance and operational requirements impose significant coststhat are likely to increase over time and may restrict the way services involving data are offered, all of which may adversely affect our results of operations.Complying with these and similar laws and regulations requires us to make significant changes to our operations, which rely on the commitment of significantfinancial and managerial resources and effective planning and management processes. We may be unable to implement required operational changes effectively,efficiently or in a timely manner, which could result in cost overruns, additional expenses, reputational harm, legal and regulatory actions and other adverseconsequences.\nUnauthorized disclosure or transfer of personal or otherwise sensitive data, whether through systems failure, employee negligence, fraud, misappropriation orother means, by us, our vendors or other parties with whom we do business could subject us to significant litigation, monetary damages, regulatory enforcementactions, fines, criminal prosecution and other adverse consequences in one or more jurisdictions. Such events could result in negative publicity and damage to ourreputation and cause us to lose clients, which could have a material adverse effect on our results of operations.\nOur business is subject to risks related to reductions in the insurance premium rates we charge.\nWe file rates with the state departments of insurance in the ordinary course of business. The rates associated with the premiums we charge are subject to reviewby regulators. The results of such reviews vary, and regulators could require us to reduce our rates based on various factors, including if they consider our loss ratiosto be too low. Significant rate reductions could materially reduce our profitability.\nFrom time to time we have engaged in discussions and proceedings with certain state regulators regarding our lender-placed insurance business. As previouslydisclosed, we completed a regulatory settlement agreement (the \u201cRSA\u201d) in 2017 to resolve a targeted multistate market conduct examination focused on lender-placed insurance, which includes a number of requirements and restrictions that are applicable in all participating states and U.S. territories. Among other things, theterms of the RSA require more frequent rate filings for lender-placed insurance. This could result in downward pressure on premium rates for these products.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5250, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "d8f360ea-34bf-4dda-9d63-587d6c95934e": {"__data__": {"id_": "d8f360ea-34bf-4dda-9d63-587d6c95934e", "embedding": null, "metadata": {"page_label": "41", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "63303fff-18f2-44ab-8a5f-6860553d8aeb", "node_type": "4", "metadata": {"page_label": "41", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "47c5698efafc6cdddd2f29c20bdbcd981cfd1d397c2180e80d7d1b28372f10a0", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "a9b575d6-34b5-43f7-9fca-a79e4c394ba6", "node_type": "1", "metadata": {"page_label": "41", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "17c5b03e7bbf27fbbd5f2eadf394028bc2f1ea96345d1e4fe6493d343860809a", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "This could result in downward pressure on premium rates for these products. If suchfilings result in significant decreases in premium rates for our lender-placed insurance products, our cash flows and results of operations could be materiallyadversely affected.Changes in insurance regulation may reduce our profitability and limit our growth.\nLegislation or other regulatory reform related to the insurance industry that increases the regulatory requirements imposed on us or that changes the way we areable to do business may significantly harm our business or results of operations. Various state and federal regulatory authorities have taken actions with respect to ourlender-placed insurance business, including the multistate market conduct examination and related RSA in 2017. If we were unable for any reason to comply with anynew or\n39", "mimetype": "text/plain", "start_char_idx": 5175, "end_char_idx": 6019, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "27dc163a-f960-4e65-86e9-7f237aa09b3c": {"__data__": {"id_": "27dc163a-f960-4e65-86e9-7f237aa09b3c", "embedding": null, "metadata": {"page_label": "42", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "1bd2529f-b04b-46ae-97bb-8f046342ceea", "node_type": "4", "metadata": {"page_label": "42", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b1170e7a1e4590d832497834fff0dc75b195f1c60d97e907d2d7cfb098818793", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "revised requirements, including the RSA, it could result in substantial costs to us and ongoing reporting and monitoring obligations, and may materially adverselyaffect our results of operations and financial condition. In addition, new interpretations of existing laws or new judicial decisions affecting the insurance industrycould adversely affect our business.\nInsurance industry-related legislative or regulatory changes that could significantly harm our subsidiaries and us include:\n\u2022 imposed reductions in premium rates, limitations on the ability to raise premiums on existing policies, limitations on the ability to provide evergreen contractsor new minimum loss ratios;\n\u2022 increases in minimum capital, reserves, liquidity, solvency and other financial viability requirements, such as RBC standards established by the NAIC (each asdefined hereafter);\n\u2022 enhanced or new regulatory requirements intended to prevent future financial crises or to otherwise ensure the stability of institutions;\n\u2022 new licensing requirements;\n\u2022 restrictions on the ability to offer certain types of insurance products, service contracts or other protection products;\n\u2022 prohibitions or limitations on provider financial incentives and provider risk-sharing arrangements;\n\u2022 more stringent standards of review for claims denials or coverage determinations;\n\u2022 increased regulation relating to lender-placed insurance; and\n\u2022 new or enhanced regulatory requirements that require insurers to pay claims on terms other than those mandated by underlying policy contracts.\nIn addition, regulators in certain states have hired third-party auditors to audit the unclaimed property records of insurance companies operating in those states.Among other companies, we are currently subject to these audits in a number of states and have been responding to information requests from these auditors.\nGeneral Risk Factors\nOur common stock may be subject to stock price and trading volume volatility.\nOur common stock price and trading volume has from time to time and could in the future materially fluctuate in response to a number of events and factors,including: variations in our quarterly operating results, including against expectations; client or business losses; catastrophe and non-catastrophe losses; the operatingand stock price performance of comparable companies; changes in our insurance subsidiaries\u2019 financial strength ratings; changes in our corporate debt ratings;changes to our registered securities; limitations on premium levels or the ability to maintain or raise premiums on existing policies; regulatory developments affectingour products or services; and negative publicity relating to us or our competitors. In addition, macroeconomic, geopolitical conflicts and industry fluctuations,including the current inflationary environment, may materially and adversely affect the trading price or volume of our common stock, regardless of our actualoperating performance.\nEmployee misconduct could harm us by subjecting us to significant legal liability, regulatory scrutiny and reputational harm.\nOur ability to attract, recruit, hire, motivate, develop and retain employees and clients depends upon our corporate culture. Our employees are the cornerstone ofour culture and acts of misconduct by any employee, and particularly by senior management, could erode trust and confidence and damage our reputation. Ouremployees could engage or be accused of engaging in misconduct that subjects us to litigation, regulatory sanctions, financial costs and serious harm to ourreputation or financial position. Employee misconduct could prompt regulators to allege or determine, on the basis of such misconduct, that we have not establishedan adequate program to inform employees of applicable rules or to detect and deter violations of such rules. It is not always possible to deter employee misconductand the precautions we take to detect and prevent misconduct may not be effective. Misconduct by employees, or even unsubstantiated allegations, could have amaterial adverse effect on our financial position, reputation and business.\nApplicable laws and our certificate of incorporation and by-laws may discourage takeovers and business combinations that some stockholders might consider tobe in their best interests.\nApplicable laws and our certificate of incorporation and by-laws may delay, defer, prevent or render more difficult a takeover attempt that our stockholdersmight consider to be in their best interests. For example, Section 203 of the General Corporation Law of the State of Delaware may limit the ability of an \u201cinterestedstockholder\u201d to engage in business combinations with us. An interested stockholder is defined to include persons owning 15% or more of our outstanding votingstock. These provisions may make it difficult for stockholders to replace or remove our directors, which could delay, defer or prevent a change in control. Suchprovisions may prevent our stockholders from receiving the benefit from any premium to the market price of our common stock offered by a bidder in a takeovercontext. Even in the absence of a takeover attempt, the\n40", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5155, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "9abad233-162a-4c2f-b5ac-562e82e2ca91": {"__data__": {"id_": "9abad233-162a-4c2f-b5ac-562e82e2ca91", "embedding": null, "metadata": {"page_label": "43", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "7a30be68-9aec-4efd-9961-4fb2839584e1", "node_type": "4", "metadata": {"page_label": "43", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "89bd4acff38f460bc325e8cbd1bc349afd34e5763d75eaf3d0801d7b1ab6bf72", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "existence of these provisions may adversely affect the prevailing market price of our common stock if they are viewed as discouraging future takeover attempts.\nAdditionally, applicable state and foreign insurance laws may require prior approval of an application to acquire control of a domestic insurer. State statutesgenerally provide, and certain foreign statutes provide, that control over a domestic insurer is presumed to exist when any person directly or indirectly owns, controls,has voting power over, or holds proxies representing, 10% or more of the domestic insurer\u2019s voting securities. The application process can be extensive, therebydiscouraging the acquisition of a control position.\nOur certificate of incorporation or by-laws contain provisions that permit the Board to issue one or more series of preferred stock, prohibit stockholders fromfilling vacancies on the Board, prohibit stockholders from calling special meetings of stockholders and from taking action by written consent and impose advancenotice requirements for stockholder proposals and nominations of directors to be considered at stockholder meetings.\nItem 1B. Unresolved Staff Comments \nNone.\nItem 1C. Cybersecurity\nWe face a multitude of cybersecurity threats from a range of adversaries. Our vendors, clients, distributors and other third parties with whom we work facesimilar cybersecurity threats, and a cybersecurity incident impacting us or any of these entities could materially adversely affect our business, operations, financialcondition and results of operations.\nThe Board has ultimate oversight of cybersecurity risk. The Board reviews management\u2019s assessment of our key enterprise risks and its strategy with respect toeach risk, including cybersecurity risks, and receives a corresponding risk management update annually. The Information Technology Committee reviews theeffectiveness of our cybersecurity controls and procedures, including procedures to identify and assess internal and external risks from cybersecurity threats; controlsto prevent and protect from cyberattacks, unauthorized access or other malicious acts and risks; procedures to detect, respond to, mitigate negative effects from andremediate cybersecurity attacks; and controls and procedures for fulfilling applicable regulatory reporting and disclosure obligations of the risks and costs ofcybersecurity incidents. Our Chief Information Security Officer (\u201cCISO\u201d) briefs or provides a report to the Information Technology Committee on our cybersecurityand information security posture and program at least quarterly, including penetration test results and related remediation and significant cybersecurity incidents, andalso provides an annual cybersecurity update to the full Board.\nCybersecurity risk is integrated into our Global Risk Management process. Cybersecurity risk continues to be identified as one of our key enterprise risks. Riskowners from the Management Committee, senior leadership and the Global Risk Management function have been assigned to develop risk mitigation plans, whichare tracked and reported at least quarterly to the Finance and Risk Committee of the Board and annually to the Board. See \u201cItem 1 \u2013 Business \u2013 Global RiskManagement\u201d for more information on the Global Risk Management function.\nOur CISO, who reports to our Global Technology Officer on the Management Committee, has over 20 years of information technology and security programmanagement experience, holds a Certified Information Security Manager certification and has led our information security team, including information technologycompliance and risk management, since 2009. Our Global Technology Officer joined the Company in 2016 and has over 30 years of information technologyexperience, including leading global digital, security, infrastructure, cloud services and application teams. Prior to joining the Company in 2016, our GlobalTechnology Officer was chief information officer at a large, publicly-traded energy company.\nOur CISO has implemented a management-level governance structure and process to assess, identify, manage and report cybersecurity risks, and manage ouroverall information security program. The Information Security Board, led by our CISO and comprised of leaders from all of our lines of business and key functionalareas such as Global Risk Management, Privacy and Compliance, as well as members of our information security team, meets quarterly, and is responsible foroverseeing our information security program, including our information security strategy and related policies and standards. The information security team managescybersecurity risks and controls, and continually enhances a global security control framework with the ultimate goal of preventing cybersecurity incidents to theextent feasible, while simultaneously minimizing the business impact should an incident occur.\nWe have implemented cybersecurity policies and standards based on leading industry frameworks, including the ISO 27001 standard and the National Instituteof Standards and Technology Cybersecurity Framework, and regularly assess our policies and practices, including tabletop exercises, aimed at mitigatingcybersecurity risks. In the event of a cybersecurity incident, we follow our Enterprise Information Security Incident Response Plan (the \u201cIRP\u201d), which outlines stepsfrom incident detection to assessment, response, mitigation, recovery and notification, including to key functional areas such as Global Risk\n41", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5504, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "ccf296d4-2996-48eb-8e42-88a91a54fdda": {"__data__": {"id_": "ccf296d4-2996-48eb-8e42-88a91a54fdda", "embedding": null, "metadata": {"page_label": "44", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "59d57b2c-76b8-4743-9d69-5cdd7127c0c0", "node_type": "4", "metadata": {"page_label": "44", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "583689bc219ec17e8b19101734df69be23638ab46d6496de0f5c0b0b9b48e251", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Management, Corporate Law, Privacy and Compliance, senior leadership and the Board, as appropriate. The IRP includes quantitative and qualitative incidentassessment guidance and promotes engagement with multidisciplinary teams across the enterprise to facilitate real-time information sharing during a cybersecurityincident.\nEmployees outside of our information security team as well as third-party cybersecurity experts have an important role in our cybersecurity defenses. Werequire employees to participate in annual cybersecurity training and provide them with additional optional training and awareness materials, and regularly engageour employees in phishing exercises, reporting results to the Information Technology Committee. In addition, we regularly engage assessors, consultants, auditorsand other third parties in our management of cybersecurity risk. For example, third parties are engaged to conduct evaluations of the maturity and effectiveness of oursecurity program, including testing the design and operational effectiveness of security controls, penetration testing, engaging in independent audits, reviewing ourpolicies and standards, and consulting on best practices to address new challenges. We also receive threat intelligence from government agencies, information sharingand analysis centers, and cybersecurity associations.\nWe rely on our vendors and other third parties, including the continued availability of their products and services, to conduct business and provide services toour clients. A cybersecurity incident at a vendor or other third party could materially adversely impact us. We assess third-party cybersecurity controls through acybersecurity questionnaire and a review of independent cybersecurity rating assessments. Our contracts with third parties generally include security and privacyaddendums where applicable and require counterparties to meet a specific standard of data security and report cybersecurity incidents to us.\nWhile we have not experienced a cybersecurity incident that resulted in a material adverse effect on our business, operations, financial condition or results ofoperations, there can be no guarantee that we will not experience such an incident in the future. Although we maintain cybersecurity insurance, the costs andexpenses related to cybersecurity incidents may not be fully insured. See \u201cItem 1A \u2013 Risk Factors \u2013 Technology, Cybersecurity and Privacy Risks \u2013 The failure toeffectively maintain and modernize our technology systems and infrastructure and integrate those of acquired businesses could adversely affect our business\u201d, \u201c \u2013Technology, Cybersecurity and Privacy Risks \u2013 We could incur significant liability if our technology systems or those of third parties are breached or we or thirdparties otherwise fail to protect the security of data residing on our respective systems, which could adversely affect our business and results of operations\u201d and \u201c \u2013Business Strategic and Operational Risks \u2013 Our inability to successfully recover should we experience a business continuity event could have a material adverseeffect on our business, financial condition and results of operations\u201d for more information.\nItem 2. Properties\nWe own four properties. We have a shared headquarters building in Atlanta, Georgia, which serves as our corporate headquarters, as well as the headquarters forour Global Lifestyle and Global Housing businesses. It is also a primary information technology center. In addition, Global Housing has operations centers located inFlorence, South Carolina and Springfield, Ohio. During third quarter 2023, we submitted an agreement to sell our Miami, Florida location, which had served as ashared office space supporting our Global Lifestyle and Global Housing businesses, to a potential acquiror, which is subject to review, approval, execution and otherconditions. For more information on the potential sale, see \u201cItem 7 \u2013 Management\u2019s Discussion and Analysis of Financial Condition and Results of Operations \u2013Liquidity and Capital Resources.\u201d We lease office space and device care centers globally, with terms ranging from month-to-month to thirteen years. We believe thatour owned and leased properties are sufficient to support our current business operations.\nItem 3. Legal Proceedings\nFor a description of any material pending legal proceedings in which we are involved, see \u201cCommitments and Contingencies \u2013 Legal and Regulatory Matters\u201din Note 27 to the Consolidated Financial Statements included elsewhere in this Report, which is hereby incorporated by reference.\nItem 4. Mine Safety Disclosures \nNot applicable. \n42", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4633, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "a92ec054-7c1d-4edb-9455-9a98ba563e48": {"__data__": {"id_": "a92ec054-7c1d-4edb-9455-9a98ba563e48", "embedding": null, "metadata": {"page_label": "45", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "e472fa67-f383-4331-a518-9f1eac9be6e0", "node_type": "4", "metadata": {"page_label": "45", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b5432c67dc1146566e789bf0d8d4850f694539a402c97334fa9821c4bbca2ba2", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "PART II\nItem 5. Market for Registrant\u2019s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities\nOur common stock is listed on the NYSE under the symbol \u201cAIZ.\u201d On February 9, 2024, there were approximately 203 registered holders of record of ourcommon stock.\nStock Performance Graph\nThe following graph compares the cumulative total return (stock price increase plus reinvestment of dividends paid) on our common stock from December 31,2018 through December 31, 2023 with the cumulative total returns for the S&P 400 MidCap Index and the S&P 500 Index, as the broad equity market indexes, andthe S&P 500 Multi-line Insurance Index, as the published industry index. The graph assumes that the value of the investment in our common stock and each indexwas $100 on December 31, 2018 and that all dividends were reinvested.\nTotal Values/Annual Return Percentages(Includes reinvestment of dividends)\n Initial Investmentat 12/31/2018\nTOTAL VALUESDecember 31,\nSecurity / Index 2019 2020 2021 2022 2023\nAssurant, Inc. Common Stock $ 100.00 $ 149.78 $ 158.91 $ 185.06 $ 151.12 $ 207.82 S&P 500 Index 100.00 131.49 155.68 200.37 164.08 207.21 S&P 400 MidCap Index 100.00 126.20 143.44 178.95 155.58 181.15 \nS&P 500 Multi-line Insurance Index 100.00 135.64 110.85 161.59 177.22 198.86 \n  ANNUAL RETURN PERCENTAGESYears Ended December 31,\nSecurity / Index  2019 2020 2021 2022 2023\nAssurant, Inc. Common Stock 49.78 % 6.09 % 16.46 % (18.34)% 37.52 %S&P 500 Index 31.49 18.40 28.71 (18.11) 26.29 S&P 400 MidCap Index 26.20 13.66 24.76 (13.06) 16.44 \nS&P 500 Multi-line Insurance Index 35.64 (18.28) 45.78 9.67 12.21 \n43", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1634, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "671f4abc-b5a9-4a26-acce-a1f17f5a1e61": {"__data__": {"id_": "671f4abc-b5a9-4a26-acce-a1f17f5a1e61", "embedding": null, "metadata": {"page_label": "46", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "2d6d7bdf-feea-4189-b457-117877e0c5d6", "node_type": "4", "metadata": {"page_label": "46", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "26b3f6a97f88f626e3ff82a708bb90c6e0f340504693c74ce0e96d6989b22b83", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Issuer Purchases of Equity Securities\nThe table below provides information regarding purchases of our common stock during the fourth quarter of 2023.\nPeriod in 2023\nTotal Numberof SharesPurchased Average PricePaid Per Share\nTotal Number ofShares Purchased asPart of PubliclyAnnounced Plans orPrograms (1)\nApproximateDollar Value ofShares that May Yetbe PurchasedUnder the Plans or Programs(1)\nOctober 1 \u2013 October 31 204,054 $ 147.01 204,054 $ 174.5 November 1 \u2013 November 30 100,411 165.98 100,411 757.8 \nDecember 1 \u2013 December 31 497,301 167.57 497,301 674.5 \nTotal fourth quarter 801,766 $ 162.14 801,766 $ 674.5 \n (1) Shares purchased pursuant to the May 2021 publicly announced share repurchase authorizations of up to $900.0 million aggregate cost at purchase of outstanding common stock. In November 2023,the Board authorized an additional share repurchase program for up to $600.0 million aggregate cost at purchase of outstanding common stock. As of December 31, 2023, $674.5 million aggregate costat purchase remained unused under the repurchase authorizations.\nDividend Policy\nAny determination to pay future dividends will be at the discretion of the Board and will be dependent upon various factors, including: our subsidiaries\u2019payments of dividends and other statutorily permissible payments to us; our results of operations and cash flows; our financial condition and capital requirements;general business conditions and growth prospects; any legal, tax, regulatory and contractual restrictions on the payment of dividends; and any other factors the Boarddeems relevant. \nWe are a holding company and, therefore, our ability to pay dividends on our common stock, repurchase shares or debt, service our debt and meet our otherobligations depends primarily on the ability of our subsidiaries to pay dividends and make other statutorily permissible payments to us. Our insurance subsidiaries aresubject to significant regulatory and other restrictions limiting their ability to declare and pay dividends. See \u201cItem 1A \u2013 Risk Factors \u2013 Financial Risks \u2013 Oursubsidiaries\u2019 inability to pay us sufficient dividends could prevent us from meeting our obligations and paying future stockholder dividends.\u201d For the year endingDecember 31, 2024, the maximum amount of dividends our regulated U.S. domiciled insurance subsidiaries could pay us under applicable laws and regulations,without prior regulatory approval, is approximately $592.4 million. We may seek approval of regulators to pay dividends in excess of any amounts that would bepermitted without such approval. However, there can be no assurance that we would obtain such approval if sought. Our international and non-insurance subsidiariesprovide additional sources of dividends. Dividends or returns of capital paid by our subsidiaries, net of infusions of liquid assets and excluding amounts used foracquisitions or received from dispositions, was approximately $772.6 million for the year ended December 31, 2023, of which $622.7 million was generated by ourU.S. domiciled insurance subsidiaries.\nPayments of dividends on shares of common stock may be subject to the preferential rights of any preferred stock that the Board may create from time to time.In addition, the Credit Facility restricts payments on our capital stock, including common stock dividends, if an event of default has occurred or if a proposedcommon stock dividend payment would cause an event of default under the Credit Facility. Further, if we elect to defer the payment of interest on our SubordinatedNotes, we generally may not make payments on our capital stock. For more information regarding the Credit Facility, the Subordinated Notes and restrictions on thepayment of dividends by us and our insurance subsidiaries, see \u201cItem 7 \u2013 Management\u2019s Discussion and Analysis of Financial Condition and Results of Operations \u2013Liquidity and Capital Resources.\u201d\nSecurities Authorized for Issuance Under Equity Compensation Plans\nSee Item 12 of this Report for information about securities authorized for issuance under our equity compensation plans.\nItem 6. Reserved\nNot applicable.\n \n44", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4122, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "7bf9087f-078f-4791-9c7c-b0cb8069afe3": {"__data__": {"id_": "7bf9087f-078f-4791-9c7c-b0cb8069afe3", "embedding": null, "metadata": {"page_label": "47", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3fc3ef40-e22e-47e5-8d57-6d9a3d67277f", "node_type": "4", "metadata": {"page_label": "47", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "98cefb11a0d44c96210a743505c5597133f6433a535425f1da9a2cdbe29a908e", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "09a60333-5443-4811-a54d-499873087cb2", "node_type": "1", "metadata": {}, "hash": "ef04b570069faab2b2530192fdcde300a9e572255edc0499059bcac1ecb206bd", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Item 7. Management\u2019s Discussion and Analysis of Financial Condition and Results of Operations. \nThe following discussion and analysis of our financial condition and results of operations should be read in conjunction with our Consolidated FinancialStatements and accompanying notes included elsewhere in this Report. It contains forward-looking statements that involve risks and uncertainties. Our actual resultsmight differ materially from those projected in these forward-looking statements as a result of various factors, including those discussed below and elsewhere in thisReport, particularly under the headings \u201cItem 1A \u2013 Risk Factors\u201d and \u201cForward-Looking Statements.\u201d \nGeneral \nSegment Information\nAs of December 31, 2023, we had two reportable operating segments which are defined based on the manner in which the Company\u2019s chief operating decisionmaker, our CEO, reviews the business to assess performance and allocate resources, and which align to the nature of the products and services offered:\n\u2022 Global Lifestyle: includes mobile device solutions (including extended service contracts, insurance policies and related services), extended service contractsand related services for consumer electronics and appliances, and credit and other insurance products (referred to as \u201cConnected Living\u201d); and vehicleprotection services, commercial equipment services and other related services (referred to as \u201cGlobal Automotive\u201d); and\n\u2022 Global Housing: includes lender-placed homeowners, manufactured housing and flood insurance, as well as voluntary manufactured housing, condominiumand homeowners insurance (referred to as \u201cHomeowners\u201d); and renters insurance and other products (referred to as \u201cRenters and Other\u201d).\nIn addition, we report the Corporate and Other segment, which includes corporate employee-related expenses and activities of the holding company.\nWe define Adjusted EBITDA, our segment measure of profitability, as net income from continuing operations, excluding net realized gains (losses) oninvestments and fair value changes to equity securities, non-core operations (which consists of certain businesses which we have fully exited or expect to fully exit,including the long-tail commercial liability businesses (sharing economy and small commercial businesses), as well as certain legacy long-duration insurance policiesand our operations in mainland China), restructuring costs related to strategic exit activities (outside of normal periodic restructuring and cost management activities),Assurant Health runoff operations, interest expense, provision (benefit) for income taxes, depreciation expense, amortization of purchased intangible assets, as wellas other highly variable or unusual items.\nThe following discussion covers the year ended December 31, 2023 (\u201cTwelve Months 2023\u201d) and the year ended December 31, 2022 (\u201cTwelve Months 2022\u201d).Please see the discussion that follows, for each of these segments, for a more detailed comparative analysis. Our comparative analysis of Twelve Months 2022 andthe year ended December 31, 2021 is included under the heading \u201cItem 7. Management\u2019s Discussion and Analysis of Financial Condition and Results of Operations\u201din our Annual Report on Form 10-K for the fiscal year ended December 31, 2022 filed with the SEC on February 17, 2023.\nExecutive Summary\nSummary of Financial Results\nConsolidated net income increased $365.9 million, or 132%, to $642.5 million for Twelve Months 2023 from $276.6 million for Twelve Months 2022,primarily due to higher Global Housing segment earnings, including lower reportable catastrophes (defined as individual catastrophic events that generate losses inexcess of $5.0 million pre-tax, net of reinsurance and client profit sharing adjustments, and including reinstatement and other premiums), and lower net unrealizedlosses from changes in the fair value of equity securities.\nGlobal Lifestyle Adjusted EBITDA decreased $17.1 million, or 2%, to $792.3 million for Twelve Months 2023 from $809.4 million for Twelve Months 2022.The decline was driven by Global Automotive as elevated claims costs were partially offset by higher investment income. Connected Living results were upmodestly, as stronger mobile device protection results in North America and higher investment income were partially offset by lower mobile results in Asia Pacific.\nGlobal Lifestyle net earned premiums, fees and other income increased $499.5 million, or 6%, to $8.56 billion for the Twelve Months 2023 from $8.06 billionfor Twelve Months 2022, primarily due to prior period sales within Global Automotive.\nGlobal Housing Adjusted EBITDA increased $328.2 million, or 133%, to $574.2 million for Twelve Months 2023 from $246.0 million for Twelve Months 2022,primarily driven by the factors noted below, including $60.4 million of lower pre-tax reportable catastrophes.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4852, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "09a60333-5443-4811-a54d-499873087cb2": {"__data__": {"id_": "09a60333-5443-4811-a54d-499873087cb2", "embedding": null, "metadata": {"page_label": "47", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3fc3ef40-e22e-47e5-8d57-6d9a3d67277f", "node_type": "4", "metadata": {"page_label": "47", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "98cefb11a0d44c96210a743505c5597133f6433a535425f1da9a2cdbe29a908e", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "7bf9087f-078f-4791-9c7c-b0cb8069afe3", "node_type": "1", "metadata": {"page_label": "47", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b441097ecadec0b1a5f58b21e6dcf4a65c7e1f94a90a347c7b1dfbcd3abe5095", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Excluding reportable catastrophes, Adjusted EBITDAincreased $267.8 million, or 64%, mainly due to lower non-catastrophe loss experience, including $54.1 million of favorable prior year reserve development in 2023compared\n45", "mimetype": "text/plain", "start_char_idx": 4853, "end_char_idx": 5076, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "51b41d6a-50b7-4ee4-bfcc-bd1979f9cfee": {"__data__": {"id_": "51b41d6a-50b7-4ee4-bfcc-bd1979f9cfee", "embedding": null, "metadata": {"page_label": "48", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "dcd93284-71e7-46ba-9479-19b574086b58", "node_type": "4", "metadata": {"page_label": "48", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "7da536e57d983ad0eafb3392a2b769440200af5fe93cefdb06ca028b5cde93e5", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "639e41e2-be90-4aae-851e-e7b7eff37dfc", "node_type": "1", "metadata": {}, "hash": "63cfafaa275c76a519afdd2f19f2cd0660bf9fb60c091ecfb84bb0270609fa33", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "to $15.5 million of unfavorable prior year reserve development in 2022. Strong top-line growth in Homeowners and expense leverage from scale and operationalefficiencies also drove performance.\nGlobal Housing net earned premiums, fees and other income increased $258.3 million, or 14%, to $2.14 billion for Twelve Months 2023 from $1.88 billion forTwelve Months 2022, largely driven by Homeowners top-line growth, which was driven by higher average premiums and growth in policies-in-force within lender-placed insurance.\nCorporate and Other Adjusted EBITDA was $(109.0) million for Twelve Months 2023 compared to $(99.2) million for Twelve Months 2022, primarily drivenby lower investment income and higher employee-related expenses.\nCritical Factors Affecting Results \nOur results depend on, among other things, the appropriateness of our product pricing, underwriting, the accuracy of our reserving methodology for futurepolicyholder benefits and claims, the frequency and severity of reportable and non-reportable catastrophes, returns on and values of invested assets, our investmentincome, and our ability to realize greater operational efficiencies and manage our expenses. Our results also depend on our ability to profitably grow our businesses,including our Connected Living and Global Automotive businesses, and the performance of our Homeowners business. Factors affecting these items, includingconditions in the financial markets, the global economy, political conditions and the markets in which we operate, fluctuations in exchange rates, interest rates andinflation, including the current period of inflationary pressures which have impacted claims costs primarily in the Homeowners and the Global Automotivebusinesses, may have a material adverse effect on our results of operations or financial condition. For more information on these and other factors that could affectour results, see \u201cItem 1A \u2013 Risk Factors.\u201d \nOur results may also be impacted by our ability to continue to grow in the markets in which we operate, including in our Connected Living and GlobalAutomotive businesses, which will be impacted by our ability to provide a superior digital-first customer experience, including from our investments in technologyand digital initiatives, capitalize on the connected home opportunity and investments to onboard and ramp-up new business. Our mobile business is subject tovolatility in mobile device trade-in volumes and margins based on the actual and anticipated timing of the release of new devices, carrier promotional programs andsales prices for used devices, as well as to changes in consumer preferences. Our Homeowners revenue is impacted by changes in the housing market. In addition,across many of our businesses, we must respond to competitive pressures, including the threat of disruption and competition for talent, which has increased due tolabor shortages and wage inflation. See \u201cItem 1A \u2013 Risk Factors \u2013 Business, Strategic and Operational Risks \u2013 Significant competitive pressures, changes in customerpreferences and disruption could adversely affect our results of operations,\u201d \u201c \u2013 Our mobile business is subject to the risk of declines in the value and availability ofmobile devices, and to regulatory compliance and other risks\u201d and \u201c \u2013 The success of our business depends on the execution of our strategy, including through thecontinuing service of key executives, senior leaders, highly-skilled personnel and a high-performing workforce.\u201d\nFor Twelve Months 2023, net cash provided by operating activities was $1.14 billion; net cash used in investing activities was $637.7 million; and net cash usedin financing activities was $403.9 million. We had $1.63 billion in cash and cash equivalents as of December 31, 2023. Please see \u201c \u2013 Liquidity and CapitalResources\u201d below for further details.\nRevenues \nWe generate revenues primarily from the sale of our insurance policies, service contracts and related products and services, and from income earned on ourinvestments. Sales of insurance policies are recognized in revenue as earned premiums while sales of administrative services are recognized as fee income. \nOur premium and fee income is supplemented by income earned from our investment portfolio. We recognize revenue from interest payments, dividends,change in market value of equity securities and sales of investments. Currently, our investment portfolio is primarily invested in fixed maturity securities. Bothinvestment income and changes in market value on these investments can be significantly affected by changes in interest rates. \nInterest rate volatility can increase or reduce unrealized gains or losses in our investment portfolios. Interest rates are highly sensitive to many factors, includinggovernmental monetary policies, domestic and international economic and political conditions, inflation and other factors beyond our control. Fluctuations in interestrates affect our returns on, and the market value of, fixed maturity and short-term investments. \nThe fair market value of the fixed maturity securities in our investment portfolio and the investment income from these securities fluctuate depending ongeneral economic and market conditions.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5221, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "639e41e2-be90-4aae-851e-e7b7eff37dfc": {"__data__": {"id_": "639e41e2-be90-4aae-851e-e7b7eff37dfc", "embedding": null, "metadata": {"page_label": "48", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "dcd93284-71e7-46ba-9479-19b574086b58", "node_type": "4", "metadata": {"page_label": "48", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "7da536e57d983ad0eafb3392a2b769440200af5fe93cefdb06ca028b5cde93e5", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "51b41d6a-50b7-4ee4-bfcc-bd1979f9cfee", "node_type": "1", "metadata": {"page_label": "48", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "2293646aa9cfc3ee4edbc97b15bbe4e71324816b050d42b507f14602863b54ab", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The fair market value generally increases or decreases in an inverse relationship with fluctuations in interest rates, while netinvestment income realized by us from future investments in fixed maturity securities generally increases or decreases with fluctuations in interest rates. We also haveinvestments that are subject to pre-payment risk, such as mortgage-backed and asset-backed securities. Interest rate fluctuations may cause actual net investmentincome and/or timing of cash flows from such investments to differ from estimates made at the time of investment. In periods of declining interest rates, mortgageprepayments generally increase and mortgage-backed\n46", "mimetype": "text/plain", "start_char_idx": 5222, "end_char_idx": 5894, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "23c6eec2-cc34-4c47-b8af-96617006a3ae": {"__data__": {"id_": "23c6eec2-cc34-4c47-b8af-96617006a3ae", "embedding": null, "metadata": {"page_label": "49", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d3339c9a-e1d3-49c7-8347-71d8dd69b5e6", "node_type": "4", "metadata": {"page_label": "49", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "5ad22976fb113b93527019508d229913a4a476571973591719247c3e1c625cc3", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "securities, commercial mortgage obligations and bonds are more likely to be prepaid or redeemed as borrowers seek to borrow at lower interest rates. Therefore, inthese circumstances we may be required to reinvest those funds in lower interest-earning investments.\nPlease see \u201cItem 7A \u2013 Quantitative and Qualitative Disclosures About Market Risk\u201d below for further details.\nExpenses \nOur expenses are primarily policyholder benefits, underwriting, selling, general and administrative expenses and interest expense. \nPolicyholder benefits are affected by our claims management programs, reinsurance coverage, contractual terms and conditions, regulatory requirements,economic conditions including inflation, and numerous other factors. Benefits paid or reserves required for future benefits could substantially exceed ourexpectations, causing a material adverse effect on our business, results of operations and financial condition. \nUnderwriting, selling, general and administrative expenses consist primarily of commissions, premium taxes, licenses, fees, amortization of deferred costs,general operating expenses and income taxes. In addition to the restructuring plan announced in December 2022 and amended in 2023, we continue to undertakevarious expense savings initiatives while also making investments in talent, capabilities and technology, among other things, which will impact our expenses.\nWe also incur interest expense related to our debt. \nCritical Accounting Policies and Estimates\nCertain items in our Consolidated Financial Statements are based on estimates and judgment. Differences between actual results and these estimates andjudgments could in some cases have material impacts on our Consolidated Financial Statements. The following critical accounting policies require significantestimates and judgment:\n\u2022 Reserves, Net of Reinsurance\n\u2022 Valuation of Investments\n\u2022 Valuation and Recoverability of Goodwill\nReserves, Net of Reinsurance\nReserves are established using generally accepted actuarial methods and reflect significant judgment and estimates about expected future claim payments.Factors used in their calculation include experience derived from historical claim payments and actuarial assumptions. Calculations incorporate assumptions aboutthe incidence of incurred claims, the extent to which all claims have been reported, reporting lags, expenses, inflation rates, future investment earnings, internalclaims processing costs and other relevant factors. While the methods of making such estimates and establishing the related liabilities are periodically reviewed andupdated, the estimation of reserves includes an element of uncertainty given that management is using historical information and methods to project future events andreserve outcomes. \nThe recorded reserves represent our best estimate at a point in time of the ultimate costs of settlement and administration of a claim or group of claims, basedupon actuarial assumptions and projections using facts and circumstances known at the time of calculation. The adequacy of reserves may be impacted by futuretrends in claims severity, frequency, judicial theories of liability and other factors. These variables are affected by both external and internal events, including:changes in the economic cycle, inflation, changes in repair costs, natural or human-made catastrophes, judicial trends, legislative changes and claims handlingprocedures.\nMany of these items are not directly quantifiable and not all future events can be anticipated when reserves are established. Reserve estimates are refined asexperience develops. Adjustments to reserves, both positive and negative, are reflected in the consolidated statement of operations in the period in which suchestimates are updated. \nBecause establishment of reserves is an inherently complex process involving significant judgment and estimates, there can be no certainty that futuresettlement amounts for claims incurred through the financial reporting date will not vary from reported claims reserves. Future loss development could requirereserves to be increased or decreased, which could have a material effect on our earnings in the periods in which such increases or decreases are made. However,based on information currently available, we believe our reserve estimates are adequate. See \u201cItem 1A \u2013 Risk Factors \u2013 Financial Risks \u2013 Our actual claims lossesmay exceed our reserves for claims, requiring us to establish additional reserves or to incur additional expense for settling unreserved liabilities, which could have amaterial adverse effect on our results of operations, profitability and capital\u201d and \u201c \u2013 Financial Risks \u2013 Actual results may differ materially from the analyticalmodels we use to assist in our decision-making in key areas such as pricing, catastrophe risks, reserving and capital management\u201d for more detail on this risk.\n47", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4898, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "e7c65ef6-ab6e-4ee4-b7a7-e8f6f20271be": {"__data__": {"id_": "e7c65ef6-ab6e-4ee4-b7a7-e8f6f20271be", "embedding": null, "metadata": {"page_label": "50", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "bbf10de6-8812-4c13-a9cf-4d77bbde3bb4", "node_type": "4", "metadata": {"page_label": "50", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "84398abd7da5daf3e619f6ae7c6e8f0e02909a38b66bcbc4fc2350769e73c46c", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Reinsurance Recoverables\nWe utilize reinsurance for loss protection and capital management, business dispositions and client risk and profit sharing. Reinsurance premiums paid areamortized as reductions to premium over the terms of the underlying reinsured policies. Amounts recoverable from reinsurers are estimated in a manner consistentwith claim and claim adjustment expense reserves or future policy benefits reserves. Reinsurance recoverables include amounts we are owed by reinsurers for claimspaid as well as those included in reserve estimates that are subject to the reinsurance.\nWe use a probability of default and loss given default methodology in estimating an expected credit loss allowance, whereby the credit ratings of reinsurers areused in determining the probability of default. The allowance is established for reinsurance recoverables on paid and unpaid future policy benefits and claims andbenefits. Prior to applying default factors, the net exposure to credit risk is reduced for any collateral for which the right of offset exists, such as funds withheld,assets held in trust and letters of credit, which are part of the reinsurance arrangements, with adjustments to include consideration of credit exposure on the collateral.Our methodology incorporates historical default factors for each reinsurer based on their credit rating using comparably rated bonds as published by a major ratingsservice. The allowance is based upon our ongoing review of amounts outstanding, length of collection periods, changes in reinsurer credit standing and other relevantfactors.\nIn the ordinary course of business, we are involved in both the assumption and cession of reinsurance with non-affiliated companies. The following tableprovides details of the reinsurance recoverables balance as of December 31, 2023 and 2022:\n2023 2022\nCeded future policyholder benefits and expense $ 339.9 $ 354.3 Ceded unearned premium 5,265.2 5,162.2 Ceded claims and benefits payable 971.4 1,313.7 \nCeded paid losses 72.7 169.2 \nTotal $ 6,649.2 $ 6,999.4 \nFor additional information regarding our reserves and reinsurance recoverables, see Notes 2, 5, 17 and 18 to the Consolidated Financial Statements includedelsewhere in this Report.\nShort Duration Contracts \nClaims and benefits payable reserves for short duration contracts include (1) case reserves for known claims which are unpaid as of the balance sheet date;(2) IBNR reserves for claims where the insured event has occurred but has not been reported to us as of the balance sheet date; and (3) loss adjustment expensereserves for the expected handling costs of settling the claims. Periodically, we review emerging experience and make adjustments to our reserves and assumptionswhere necessary.\nUltimate loss and loss adjustment expenses are estimated utilizing generally accepted actuarial loss reserving methods. Both paid claims development as well ascase incurred development are typically analyzed at the product or product grouping level, considering product size and data credibility. The reserving methodswidely employed by us include the Chain Ladder, Munich Chain Ladder and Bornhuetter-Ferguson methods. For Global Housing, reportable catastrophes areanalyzed and reserved for separately using a frequency and severity approach.\nThe methods all involve aggregating paid and case-incurred loss data by accident quarter (or accident year) and accident age for each product grouping. As thedata ages, development factors are calculated that measure emerging claim development patterns between reporting periods. By selecting loss development factorsindicative of remaining development, known losses are projected to an ultimate incurred basis for each accident period. The underlying premise of the Chain Laddermethod is that future claims development is best estimated using past claims development, whereas the Bornhuetter-Ferguson method employs a combination of pastclaims development and prior estimates of ultimate losses based on an expected loss ratio. The Munich Chain Ladder method incorporates the correlations betweenpaid and incurred development in projecting future development factors, and is typically more applicable to products experiencing variability in incurred to paidratios.\nEach of these methods applied to the data groupings produces an estimate of the loss reserves for the product grouping. The best estimate is generally selectedfrom a blend of the different methods. The IBNR associated with the best estimate is then allocated to accident year based on a weighting of the underlying actuarialmethods. The determination of the best estimate is based on many factors, including:  \n\u2022 the nature and extent of the underlying assumptions;\n\u2022 the quality and applicability of historical data - whether internal or industry data;\n\u2022 current and expected future economic and market conditions;\n\u2022 regulatory, legislative, and judicial considerations;\n48", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4934, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "8e27936b-d1d2-41a9-8829-bfcd7f2d333e": {"__data__": {"id_": "8e27936b-d1d2-41a9-8829-bfcd7f2d333e", "embedding": null, "metadata": {"page_label": "51", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "28d9fe9e-b299-4804-a86e-09c4f7e0e614", "node_type": "4", "metadata": {"page_label": "51", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "061993286b8e6318e21e8bbf50df21ec9e645b940369b668b335e8afa04c3fcc", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "\u2022 the extent of data segmentation - data should be homogeneous yet credible enough for loss development methods to apply;\n\u2022 trends in loss frequency and severity for various causes of loss;\n\u2022 consideration of the distribution of loss reserves, management\u2019s selection of the best estimate that may exceed an estimate based on median values,suggesting that favorable development may be more likely than unfavorable development; and\n\u2022 hindsight testing of prior loss estimates - the loss estimates on some product lines will vary from actual loss experience more than others.\nWhen employing the reserving methods, consideration is given to contractual requirements, historical utilization trends and payment patterns, coveragechanges, seasonality, product mix, the legislative and regulatory environment, economic factors, natural catastrophes and other relevant factors. We consistently applyreserving principles and methodologies from year to year, while also giving due consideration to the potential variability of these factors.\nWhile management has used judgment in establishing its best estimate of required reserves, different assumptions and variables could lead to significantlydifferent reserve estimates. Two key measures of loss activity are loss frequency, which is a measure of the number of claims per unit of insured exposure, and lossseverity, which is a measure of the average size of claims. Factors affecting loss frequency include the effectiveness of loss controls, changes in economic activityand weather patterns. Factors affecting loss severity include changes in policy limits, retentions, rate of inflation and judicial interpretations. \nIf the actual level of loss frequency and severity are higher or lower than expected, the ultimate reserves required will be different than management\u2019s estimate.The effect of higher and lower levels of loss frequency and severity on our ultimate costs for claims occurring in 2023 would be as follows:\nChange in both loss frequency and severityfor all Global Lifestyle and Global Housing Ultimate cost of claimsoccurring in 2023 Change in cost of claimsoccurring in 2023\n3% higher $ 1,692.2 $ 97.1 2% higher $ 1,659.5 $ 64.4 \n1% higher $ 1,627.2 $ 32.1 Base scenario (1) $ 1,595.1 $ \u2014 1% lower $ 1,563.4 $ (31.7)\n2% lower $ 1,531.9 $ (63.2)3% lower $ 1,500.8 $ (94.3)\n(1) Represents the sum of the case reserves and incurred but not reported reserves as of December 31, 2023 for Global Lifestyle and Global Housing.\n Non-Core Operations\nShort duration contracts in non-core operations primarily consist of the sharing economy and small commercial products previously reported within GlobalHousing. While the contracts are classified as short duration, the coverages were predominantly commercial liability and have a long reporting and settlement tailcompared to property coverages which make up most of our core operations.\nThe reserving methodology described for other short duration contacts is applicable for non-core operations. Given the nature of commercial liability coveragesand its relatively long claim runoff duration, additional emphasis is placed on elevated loss activity from increasing attorney involvement and analysis of individualcase reserve adequacy on known claims. This is done through use of average cost per claim methods that include an allowance for future inflation impacts, detailedopen claim inventory analysis, and leveraging industry development patterns to supplement our own historical claims experience.\nLong Duration Contracts, including Disposed and Runoff Long Duration Lines\nReserves for future policy benefits represent the present value of future benefits to policyholders and related expenses less the present value of future netpremiums. Reserve assumptions reflect best estimates for expected investment yield, inflation, mortality, morbidity, expenses and withdrawal rates. Theseassumptions are based on our experience to the extent it is credible, modified where appropriate to reflect current trends, industry experience and provisions forpossible unfavorable deviation. We also record an unearned revenue reserve which represents premiums received which have not yet been recognized in ourconsolidated statements of operations.\nRisks related to the reserves recorded for certain discontinued individual life, annuity and long-term care insurance policies have been fully ceded viareinsurance. While we have not been released from our contractual obligation to the policyholders, changes in and deviations from economic, mortality, morbidity,and withdrawal assumptions used in the calculation of these reserves will not directly affect our results of operations unless there is a default by the assumingreinsurer.\n49", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4728, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "c24c6faf-b6a5-4905-b278-bbb0fcb241ee": {"__data__": {"id_": "c24c6faf-b6a5-4905-b278-bbb0fcb241ee", "embedding": null, "metadata": {"page_label": "52", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "17e0a0f0-03f3-4e41-a7bd-3d34968d2fd5", "node_type": "4", "metadata": {"page_label": "52", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "084c8ba66d0a9b668178db948a12dee4f23662c415c2c50d55b3240b995a0dbd", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Valuation of Investments\nIn determining the estimated fair value of our investments, fair values are primarily based on unadjusted quoted prices for identical investments in activemarkets that are readily and regularly obtainable. When such unadjusted quoted prices are not available, estimated fair values are based on quoted prices for identicalor similar investments in markets that are not active, or other observable inputs. If these observable inputs are not available, or observable inputs are notdeterminable, unobservable inputs or adjustments to observable inputs requiring management judgment are used to determine the estimated fair value of investments.The methodologies, assumptions and inputs utilized are described in Note 10 to the Consolidated Financial Statements.\nFinancial markets are susceptible to severe events evidenced by rapid depreciation in asset values accompanied by a reduction in asset liquidity. Our ability tosell investments and the price ultimately realized for investments depends upon the demand and liquidity in the market.\nSee also Notes 2, 8 and 10 to the Consolidated Financial Statements included elsewhere in this Report, \u201cItem 1A \u2013 Risk Factors \u2013 Financial Risks \u2013 Ourinvestment portfolio is subject to credit, liquidity and other risks that may adversely affect our results of operations and financial condition\u201d and \u201c \u2013 Investments\u201dcontained in this Item 7. \nValuation and Recoverability of Goodwill\nOur goodwill related to acquisitions of businesses was $2.61 billion and $2.60 billion as of December 31, 2023 and 2022, respectively. We review our goodwillannually in the fourth quarter for impairment, or more frequently if indicators of impairment exist. Such indicators include: a significant adverse change in legalfactors, an adverse action or assessment by a regulator, unanticipated competition, loss of key personnel or a significant decline in our expected future cash flows dueto changes in company-specific factors or the broader business climate. The evaluation of such factors requires considerable management judgment. Any adversechange in these factors could have a significant impact on the recoverability of goodwill and could have a material impact on our Consolidated Financial Statements. \nGoodwill is tested for impairment at the reporting unit level, which is either at the operating segment or one level below, if that component is a business forwhich discrete financial information is available and segment management regularly reviews such information. Components within an operating segment can beaggregated into one reporting unit if they have similar economic characteristics. A goodwill impairment loss is measured as the excess of the carrying value,including goodwill, of the reporting unit over its fair value. An impairment loss is limited to the amount of goodwill allocated to the reporting unit.\nOur Global Lifestyle operating segment is disaggregated into two reporting units: Connected Living and Global Automotive. Our reporting unit for goodwilltesting was at the same level as the operating segment for Global Housing.\nThe following table illustrates the amount of goodwill carried by operating segment as of the dates indicated:\n December 31,\n 2023 2022\nGlobal Lifestyle (1) $ 2,292.1 $ 2,193.9 Global Housing 316.7 409.1 \nTotal $ 2,608.8 $ 2,603.0 \n(1) As of December 31, 2023, $785.2 million and $1,506.9 million of goodwill was assigned to the Connected Living and Global Automotive reporting units, respectively. As of December 31, 2022,$761.0 million and $1,432.9 million of goodwill was assigned to the Connected Living (including Global Financial Services which was aggregated with Connected Living in 2023) and GlobalAutomotive reporting units, respectively.\nQuantitative Impairment Testing\nIn the fourth quarter of 2023, we performed a quantitative assessment for the Global Lifestyle and Global Housing reporting units given the uncertainty inmacro-economic conditions and inflation concerns. Based on this quantitative assessment, the Company determined that it was more likely than not that the reportingunits\u2019 fair values were more than their carrying amounts and that there was no impairment for the Global Lifestyle and Global Housing reporting units as of October1, 2023.\nThe determination of fair value of the reporting units requires many estimates and assumptions. These estimates and assumptions include earnings and requiredcapital projections discussed above, discount rates, terminal growth rates, operating income and dividend forecasts for each reporting unit and the weighting assignedto the results of each valuation method included in the fair value calculation. Changes in certain assumptions could have a significant impact on the goodwillimpairment assessment.\n50", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4785, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "fafb5906-d498-4965-8922-e859c56646ef": {"__data__": {"id_": "fafb5906-d498-4965-8922-e859c56646ef", "embedding": null, "metadata": {"page_label": "53", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "73f99ea3-7b51-46e9-93ae-e10baafecbb6", "node_type": "4", "metadata": {"page_label": "53", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "89557ee29d1c997519100eb4c96a4e4bb55da4584abacc61c1c365c79563624b", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Should the operating results of these reporting units decline substantially compared to projected results, or should further interest rate declines increase the netunrealized investment portfolio gain position, we could determine that we need to perform an updated impairment test due to the potential impairment indicators,which may require the recognition of a goodwill impairment loss in any of the reporting units.\nFor the fourth quarter of 2023 quantitative assessment, had the net book value for the reporting units exceeded its estimated fair value, the Company wouldhave recognized a goodwill impairment loss for the difference up to the amount of goodwill allocated to the reporting unit.\nRefer to Note 15 to the Consolidated Financial Statements included elsewhere in this Report for further detail.\nRecent Accounting Pronouncements\nPlease see Note 2 to the Consolidated Financial Statements included elsewhere in this Report.\nResults of Operations\nAssurant Consolidated\nThe table below presents information regarding our consolidated results of operations:\n For the Years Ended December 31,\n 2023 2022\nRevenues:\nNet earned premiums $ 9,388.0 $ 8,765.3 Fees and other income 1,323.2 1,243.3 Net investment income 489.1 364.1 \nNet realized losses on investments and fair value changes to equity securities (68.7) (179.7)\nTotal revenues 11,131.6 10,193.0 \nBenefits, losses and expenses:\nPolicyholder benefits 2,521.8 2,359.8 Underwriting, selling, general and administrative expenses 7,695.1 7,366.3 Goodwill impairment \u2014 7.8 \nInterest expense 108.0 108.3 Loss on extinguishment of debt (0.1) 0.9 \nTotal benefits, losses and expenses 10,324.8 9,843.1 \nIncome before provision for income taxes 806.8 349.9 \nProvision for income taxes 164.3 73.3 Net income $ 642.5 $ 276.6 \nYear Ended December 31, 2023 Compared to the Year Ended December 31, 2022\nNet Income\nConsolidated net income increased $365.9 million, or 132%, to $642.5 million for Twelve Months 2023 from $276.6 million for Twelve Months 2022,primarily driven by higher lender-placed net earned premiums and lower non-catastrophe loss experience in our Homeowners business within Global Housing, a$104.3 million decrease in after-tax net unrealized losses from changes in the fair value of equity securities and $47.6 million of lower after-tax reportablecatastrophes. Also contributing to the increase was a $24.7 million after-tax decline in losses related to our non-core operations and a $14.7 million reduction in after-tax restructuring costs related to our previously announced restructuring plan. The increase in net income was partially offset by higher after-tax depreciationexpenses of $18.2 million, mainly due to higher software assets placed into service, lower earnings from Global Lifestyle, mainly due to ongoing elevated claims inGlobal Automotive, and $12.7 million of higher losses from foreign exchange from the remeasurement of net monetary assets in Argentina, due to the country\u2019sclassification as a highly inflationary economy.\n51", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3020, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "c391af87-01d0-422c-af85-112a51702f14": {"__data__": {"id_": "c391af87-01d0-422c-af85-112a51702f14", "embedding": null, "metadata": {"page_label": "54", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "c9c3cec6-0163-4c40-827b-42e53c1167c8", "node_type": "4", "metadata": {"page_label": "54", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d78d9a77a663867bfa3e1724d1ea5a2dbff1ebc2fbd426f44c2b145c8fd2be03", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Global Lifestyle\nThe table below presents information regarding the Global Lifestyle segment\u2019s results of operations for the periods indicated:\n For the Years Ended December 31,\n 2023 2022\nRevenues:Net earned premiums $ 7,362.6 $ 6,952.3 \nFees and other income 1,198.8 1,109.6 Net investment income 347.5 253.6 \nTotal revenues 8,908.9 8,315.5 \nBenefits, losses and expenses:Policyholder benefits 1,607.9 1,356.6 Underwriting, selling, general and administrative expenses 6,508.7 6,149.5 \nTotal benefits, losses and expenses 8,116.6 7,506.1 \nGlobal Lifestyle Adjusted EBITDA $ 792.3 $ 809.4 \nNet earned premiums, fees and other income:Connected Living $ 4,376.8 $ 4,259.4 \nGlobal Automotive 4,184.6 3,802.5 \nTotal $ 8,561.4 $ 8,061.9 \nNet earned premiums, fees and other income:Domestic $ 6,739.5 $ 6,270.9 International 1,821.9 1,791.0 \nTotal $ 8,561.4 $ 8,061.9 \nYear Ended December 31, 2023 Compared to the Year Ended December 31, 2022\nAdjusted EBITDA decreased $17.1 million, or 2%, to $792.3 million for Twelve Months 2023 from $809.4 million for Twelve Months 2022, primarily due toongoing elevated claims costs in Global Automotive, including higher labor and parts costs due to inflation and unfavorable loss experience in select ancillaryproducts, lower mobile results in Asia Pacific, including the impact of foreign exchange, and lower profitability in extended service contracts. The decline waspartially offset by higher net investment income across Global Lifestyle and stronger mobile device protection results in North America.\nTotal revenues increased $593.4 million, or 7%, to $8.91 billion for Twelve Months 2023 from $8.32 billion for Twelve Months 2022. Net earned premiumsincreased $410.3 million, or 6%, primarily driven by continued domestic organic growth from prior period sales in our Global Automotive business across alldistribution channels. Net earned premium from Connected Living increased modestly, mainly from organic growth across all products, partially offset by the impactof a previously disclosed mobile program contract change that resulted in lower retention of premiums net of reinsurance, as well as the run-off of certain globalmobile programs. Net investment income increased $93.9 million, or 37%, primarily due to higher yields on cash, short-term investments and fixed maturitysecurities. Fees and other income increased $89.2 million, or 8%, mainly driven by higher average selling prices on mobile trade-in programs, as well ascontributions from new programs, partially offset by a mobile program contract change related to our in-store mobile service and repair business.\nTotal benefits, losses and expenses increased $610.5 million, or 8%, to $8.12 billion for Twelve Months 2023 from $7.51 billion for Twelve Months 2022.Underwriting, selling, general and administrative expenses increased $359.2 million, or 6%, mainly due to higher commission expenses from growth across GlobalLifestyle, primarily in Global Automotive, higher cost of sales in our global mobile business and higher information technology and employee-related expenses tosupport growth, partially offset by a mobile program contract change related to our in-store mobile service and repair business. Policyholder benefits increased$251.3 million, or 19%, primarily due to ongoing elevated claims costs in Global Automotive, as described above, partially offset by a mobile program contractchange that resulted in lower retention of losses net of reinsurance.\n52", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3482, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "1cddf9cd-cda7-4644-9045-5520488106a4": {"__data__": {"id_": "1cddf9cd-cda7-4644-9045-5520488106a4", "embedding": null, "metadata": {"page_label": "55", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "49575b42-708d-4502-a34d-ec02089d3136", "node_type": "4", "metadata": {"page_label": "55", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "1def202eac2ea83ece1a0b325b97c4377f252a5840e2d0769c3833e088908b74", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Global Housing\nThe table below presents information regarding the Global Housing segment\u2019s results of operations for the periods indicated:\n For the Years Ended December 31,\n 2023 2022\nRevenues:Net earned premiums $ 2,014.5 $ 1,751.6 Fees and other income 128.4 133.0 \nNet investment income 109.7 75.8 Total revenues 2,252.6 1,960.4 \nBenefits, losses and expenses:Policyholder benefits 862.0 884.1 \nUnderwriting, selling, general and administrative expenses 816.4 830.3 \nTotal benefits, losses and expenses 1,678.4 1,714.4 \nGlobal Housing Adjusted EBITDA $ 574.2 $ 246.0 \nImpact of reportable catastrophes $ 111.0 $ 171.4 \nNet earned premiums, fees and other income:\nHomeowners $ 1,663.4 $ 1,402.2 Renters and Other 479.5 482.4 \nTotal $ 2,142.9 $ 1,884.6 \nYear Ended December 31, 2023 Compared to the Year Ended December 31, 2022\nAdjusted EBITDA increased $328.2 million, or 133%, to $574.2 million for Twelve Months 2023 from $246.0 million for Twelve Months 2022, mainly due togrowth in Homeowners from higher lender-placed average insured values, policies in force and premium rates; a $60.4 million decrease in reportable catastrophes;lower non-catastrophe loss experience, including $54.1 million of favorable reserve development in Twelve Months 2023 compared to $15.5 million of adversereserve development in Twelve Months 2022; and higher net investment income. The increase was partially offset by exits from certain international markets andhigher catastrophe reinsurance costs primarily from restructuring the program.\nTotal revenues increased $292.2 million, or 15%, to $2.25 billion for Twelve Months 2023 from $1.96 billion for Twelve Months 2022. Net earned premiumsincreased $262.9 million, or 15%, primarily driven by Homeowners from higher lender-placed average insured values and policies in force, as well as higherpremium rates primarily to address increased claims severity, and the absence of $32.8 million of unfavorable catastrophe reinstatement premiums from TwelveMonths 2022 compared to a favorable adjustment of $5.1 million in Twelve Months 2023, partially offset by exits from certain international markets. Net investmentincome increased $33.9 million, or 45%, primarily due to higher yields on fixed maturity securities, cash and short-term investments, partially offset by lower gainsfrom the sales of real estate joint venture partnerships. The increase in total revenues was partially offset by a decrease in fees and other income of $4.6 million, or3%, mainly driven by a decline in Renters and Other from lower installment fees.\nTotal benefits, losses and expenses decreased $36.0 million, or 2%, to $1.68 billion for Twelve Months 2023 from $1.71 billion for Twelve Months 2022.Policyholder benefits decreased $22.1 million, or 2%, primarily due to lower reportable catastrophe losses and favorable non-catastrophe prior year reservedevelopment, partially offset by higher current year non-catastrophe loss experience from business growth and higher severity. Underwriting, selling, general andadministrative expenses decreased $13.9 million, or 2%, primarily due to exits from certain international markets, higher reimbursements related to the NationalFlood Insurance Program for processing flood claims for Hurricane Ian and a discretionary benefit from the Federal Emergency Management Agency.\n53", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3339, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "21582cf2-1068-405b-b85c-090bbf00d3b7": {"__data__": {"id_": "21582cf2-1068-405b-b85c-090bbf00d3b7", "embedding": null, "metadata": {"page_label": "56", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d5445cd4-57fb-436b-8764-1833fcc223f1", "node_type": "4", "metadata": {"page_label": "56", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f762f06c55ae09bf1319d3c4a8ea820b48a4c557b86d35add57ef7618b023d94", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Corporate and Other\nThe table below presents information regarding the Corporate and Other segment\u2019s results of operations for the periods indicated:\n For the Years Ended December 31,\n 2023 2022\nRevenues:\nNet earned premiums $ \u2014 $ \u2014 Fees and other income 0.2 0.5 Net investment income 21.4 26.9 \nTotal revenues 21.6 27.4 \nBenefits, losses and expenses\nPolicyholder benefits 0.1 0.5 General and administrative expenses 130.5 126.1 Total benefits, losses and expenses 130.6 126.6 \nCorporate and Other Adjusted EBITDA $ (109.0) $ (99.2)\nYear Ended December 31, 2023 Compared to the Year Ended December 31, 2022\nAdjusted EBITDA was $(109.0) million for Twelve Months 2023 compared to $(99.2) million for Twelve Months 2022. The increase in the loss was primarilydue to lower net investment income, mostly due to lower invested assets from the use of the Global Preneed sale proceeds in Twelve Months 2022 for sharerepurchases, and higher employee-related expenses.\nTotal revenues decreased $5.8 million, or 21%, to $21.6 million for Twelve Months 2023 from $27.4 million for Twelve Months 2022, primarily driven by adecrease in net investment income of $5.5 million, or 20%, mostly due to lower invested assets from the use of the Global Preneed sale proceeds in Twelve Months2022 for share repurchases, partially offset by higher cash yields.\nTotal benefits, losses and expenses increased $4.0 million, or 3%, to $130.6 million for Twelve Months 2023 from $126.6 million for Twelve Months 2022,primarily due to an increase in general and administrative expenses of $4.4 million, or 3%, primarily due to higher employee-related expenses, partially offset by thereduction of expenses from a subsidiary that was sold in second quarter 2022.\n54", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1737, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "1e8755cb-2700-405d-b2d1-0bc86aafb170": {"__data__": {"id_": "1e8755cb-2700-405d-b2d1-0bc86aafb170", "embedding": null, "metadata": {"page_label": "57", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "8705947a-6a64-4862-9621-410e3bdeca8e", "node_type": "4", "metadata": {"page_label": "57", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "3711796c42e77641a8621a72d462639778016f55c582b79e3a31109746bb0660", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Investments \nWe had total investments of $8.22 billion and $7.52 billion as of December 31, 2023 and 2022, respectively. Net unrealized losses on our fixed maturitysecurities portfolio decreased $256.8 million during Twelve Months 2023, from a $637.1 million unrealized loss at December 31, 2022 to a $380.3 million unrealizedloss at December 31, 2023, primarily due to a decrease in Treasury yields.\nThe following table shows the credit quality of our fixed maturity securities portfolio as of the dates indicated:\n Fair Value as of\nFixed Maturity Securities by Credit Quality December 31, 2023 December 31, 2022\nAaa / Aa / A $ 3,958.7 57.3 % $ 3,615.2 57.5 %Baa 2,564.8 37.1 % 2,295.4 36.5 %Ba 318.6 4.6 % 305.2 4.9 %\nB and lower 70.0 1.0 % 67.9 1.1 %\nTotal $ 6,912.1 100.0 % $ 6,283.7 100.0 %\nThe following table shows the major categories of net investment income for the periods indicated:\n Years Ended December 31,\n 2023 2022\nFixed maturity securities $ 335.3 $ 270.0 \nEquity securities 15.2 15.0 Commercial mortgage loans on real estate 17.5 14.9 Short-term investments 12.9 4.7 \nOther investments 39.1 48.6 Cash and cash equivalents 85.7 25.7 \nTotal investment income 505.7 378.9 Investment expenses (16.6) (14.8)\nNet investment income $ 489.1 $ 364.1 \nNet investment income increased $125.0 million, or 34%, to $489.1 million for Twelve Months 2023 from $364.1 million for Twelve Months 2022. Theincrease was primarily driven by higher yields and assets in fixed maturity securities, short term investments and cash and cash equivalents.\nNet realized losses on investments and fair value changes to equity securities were $68.7 million for Twelve Months 2023 compared to net realized losses oninvestments and fair value changes to equity securities of $179.7 million for Twelve Months 2022. The change in Twelve Months 2023 was primarily driven bychanges in the fair value of equity securities and lower sales of fixed maturity securities, partially offset by a decrease in realized gains on sales of equity securities.\nAs of December 31, 2023, we owned $17.8 million of securities guaranteed by financial guarantee insurance companies. Included in this amount was $16.0million of municipal securities, whose credit rating was A+ with the guarantee, but would have had a rating of AA- without the guarantee.\nFor more information on our investments, see Notes 8 and 10 to the Consolidated Financial Statements included elsewhere in this Report.\nLiquidity and Capital Resources \nThe following section discusses our ability to generate cash flows from each of our subsidiaries, borrow funds at competitive rates and raise new capital tomeet our operating and growth needs. Management believes that we will have sufficient liquidity to satisfy our needs over the next twelve months, including theability to pay interest on our debt and dividends on our common stock.\nDuring third quarter 2023, we submitted an agreement to sell our Miami, Florida office (the \u201cAgreement\u201d) to a potential acquiror, which is subject to review,approval, execution and other conditions. If the transaction is consummated pursuant to the terms of the Agreement, we expect to record a gain in 2024 above thecurrent carrying value of $46.0 million as of December 31, 2023. We do not anticipate that the gain will impact our capital deployment priorities. The entry into adefinitive agreement and the consummation of the transaction are subject to significant uncertainty. There can be no assurance that a definitive agreement will beexecuted or that any transaction will be approved or consummated.\n55", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3582, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "2b0dc176-2a43-4529-84ba-dc1a32c65b8a": {"__data__": {"id_": "2b0dc176-2a43-4529-84ba-dc1a32c65b8a", "embedding": null, "metadata": {"page_label": "58", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "1d61362d-6790-46e5-8739-a1d12ddba612", "node_type": "4", "metadata": {"page_label": "58", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "4c21098dc061f78b08c4977b130877a42c5d5fba665be9c02b8a2d2fb97e9002", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "cabe5fd9-f0b1-4522-8ab7-9df4b4f3eb0a", "node_type": "1", "metadata": {}, "hash": "8b4530da1ad5c76009d78356e703d4738046245d189887678cd173650f8dad27", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Regulatory Requirements \nAssurant, Inc. is a holding company and, as such, has limited direct operations of its own. Our assets consist primarily of the capital stock of our subsidiaries.Accordingly, our future cash flows depend upon the availability of dividends and other statutorily permissible payments from our subsidiaries, such as paymentsunder our tax allocation agreement and under management agreements with our subsidiaries. Our subsidiaries\u2019 ability to pay such dividends and make such otherpayments is regulated by the states and territories in which our subsidiaries are domiciled. These dividend regulations vary from jurisdiction to jurisdiction and bytype of insurance provided by the applicable subsidiary, but generally require our insurance subsidiaries to maintain minimum solvency requirements and limit theamount of dividends they can pay to the holding company. See \u201cItem 1A \u2013 Risk Factors \u2013 Legal and Regulatory Risks \u2013 Changes in insurance regulation may reduceour profitability and limit our growth.\u201d Along with solvency regulations, the primary driver in determining the amount of capital used for dividends from insurancesubsidiaries is the level of capital needed to maintain desired financial strength ratings from A.M. Best. For the year ending December 31, 2024, the maximumamount of dividends our regulated U.S. domiciled insurance subsidiaries could pay us, under applicable laws and regulations without prior regulatory approval, isapproximately $592.4 million. Our international and non-insurance subsidiaries provide additional sources of dividends.\nRegulators or rating agencies could become more conservative in their methodology and criteria, increasing capital requirements for our insurance subsidiariesor the enterprise.\nIn September 2023, the following actions were taken by A.M. Best:\n\u2022 Upgraded the insurance financial strength ratings on our insurance operating subsidiaries, American Bankers Insurance Company of Florida, AmericanSecurity Insurance Company, Caribbean American Property Insurance Company, Voyager Indemnity Insurance Company, Virginia Surety Company, Inc,and Reliable Lloyds Insurance Company, to A+ from A with a stable outlook.\u2022 Upgraded our short-term issuer credit ratings on commercial paper to AMB-1+ from AMB-1 with a stable outlook.\u2022 Upgraded our long-term issuer credit ratings on senior unsecured debt to a- from bbb+ with a stable outlook.\u2022 Upgraded our long-term issuer credit ratings on subordinated debt to bbb+ from bbb with a stable outlook.\nFor further information on our ratings and the risks of ratings downgrades, see \u201cItem 1 \u2013 Business \u2013 Ratings\u201d and \u201cItem 1A \u2013 Risk Factors \u2013 Financial Risks \u2013 Adecline in the financial strength ratings of our insurance subsidiaries could adversely affect our results of operations and financial condition.\u201d\nHolding Company\nAs of December 31, 2023, we had approximately $606.1 million in holding company liquidity, $381.1 million above our targeted minimum level of $225.0million. The target minimum level of holding company liquidity, which can be used for unforeseen capital needs at our subsidiaries or liquidity needs at the holdingcompany, is calibrated based on approximately one year of pre-tax corporate operating losses and interest expenses. We use the term \u201cholding company liquidity\u201d torepresent the portion of cash and other liquid marketable securities held at Assurant, Inc. (out of a total of $690.0 million as of December 31, 2023) which we are nototherwise holding for a specific purpose as of the balance sheet date. We can use such assets for stock repurchases, stockholder dividends, acquisitions and othercorporate purposes.\nDividends or returns of capital paid by our subsidiaries, net of infusions of liquid assets and excluding amounts used for or as a result of acquisitions or receivedfrom dispositions, were $772.6 million and $549.5 million for Twelve Months 2023 and Twelve Months 2022, respectively. We use these cash inflows primarily topay holding company operating expenses, to make interest payments on indebtedness, to make dividend payments to our common stockholders, to fund investmentsand acquisitions, and to repurchase our common stock. From time to time, we may also seek to purchase outstanding debt in open market repurchases or privatelynegotiated transactions.\nDividends and Repurchases\nDuring Twelve Months 2023 and Twelve Months 2022, we made common stock repurchases and paid dividends to our common stockholders of $352.3 millionand $717.8 million, respectively.\nOn January 18, 2024, the Board declared a quarterly dividend of $0.72 per common share payable on March 25, 2024 to stockholders of record as ofFebruary 5, 2024.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4696, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "cabe5fd9-f0b1-4522-8ab7-9df4b4f3eb0a": {"__data__": {"id_": "cabe5fd9-f0b1-4522-8ab7-9df4b4f3eb0a", "embedding": null, "metadata": {"page_label": "58", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "1d61362d-6790-46e5-8739-a1d12ddba612", "node_type": "4", "metadata": {"page_label": "58", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "4c21098dc061f78b08c4977b130877a42c5d5fba665be9c02b8a2d2fb97e9002", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "2b0dc176-2a43-4529-84ba-dc1a32c65b8a", "node_type": "1", "metadata": {"page_label": "58", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "00bd12b65024a2c3cc595db9831a6fd9428523235711240010eefd46ec2f600e", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "We paid dividends of $0.72 per common share on December 18, 2023 to stockholders of record as of November 27, 2023. This represented a 3%increase to the quarterly dividend of $0.70 per common share paid on September 18, June 20, and March 20, 2023.\nAny determination to pay future dividends will be at the discretion of the Board and will be dependent upon various factors, including: our subsidiaries\u2019payments of dividends and other statutorily permissible payments to us; our results of operations and cash flows; our financial condition and capital requirements;general business conditions and growth prospects; any legal, tax, regulatory and contractual restrictions on the payment of dividends; and any other factors the Boarddeems\n56", "mimetype": "text/plain", "start_char_idx": 4697, "end_char_idx": 5436, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "8fb4a949-8362-4a8f-9534-80d41fd786ed": {"__data__": {"id_": "8fb4a949-8362-4a8f-9534-80d41fd786ed", "embedding": null, "metadata": {"page_label": "59", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "58488d52-e5cd-452c-9be1-66d6f3c1d598", "node_type": "4", "metadata": {"page_label": "59", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "cc89a4ceb57e48a4097283c82363807e245955e8e8eaecb50ea5aecd605c5ce0", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "relevant. The Credit Facility (as defined below) also contains limitations on our ability to pay dividends to our stockholders and repurchase capital stock if we are indefault, or such dividend payments or repurchases would cause us to be in default, of our obligations thereunder. In addition, if we elect to defer the payment ofinterest on our 7.00% Fixed-to-Floating Rate Subordinated Notes due March 2048 or our 5.25% Subordinated Notes due January 2061 (refer to \u201c\u2014 Senior andSubordinated Notes\u201d below), we generally may not make payments on or repurchase any shares of our capital stock.\nDuring Twelve Months 2023, we repurchased 1,319,204 shares of our outstanding common stock at a cost of $200.0 million, exclusive of commissions. In May2021, the Board authorized a share repurchase program for up to $900.0 million of our outstanding common stock. In November 2023, the Board authorized anadditional share repurchase program for up to $600.0 million of our outstanding common stock. As of December 31, 2023, $674.5 million aggregate cost at purchaseremained unused under the repurchase authorizations. The timing and the amount of future repurchases will depend on various factors, including those listed above.\nAssurant Subsidiaries\nThe primary sources of funds for our subsidiaries consist of premiums and fees collected, proceeds from the sales and maturity of investments and netinvestment income. Cash is primarily used to pay insurance claims, agent commissions, operating expenses and taxes. We generally invest our subsidiaries\u2019 funds inorder to generate investment income.\nWe conduct periodic asset liability studies to measure the duration of our insurance liabilities, to develop optimal asset portfolio maturity structures for oursignificant lines of business and ultimately to assess that cash flows are sufficient to meet the timing of cash needs. These studies are conducted in accordance withformal company-wide Asset Liability Management guidelines. \nTo complete a study for a particular line of business, models are developed to project asset and liability cash flows and balance sheet items under a varied set ofplausible economic scenarios. These models consider many factors including the current investment portfolio, the required capital for the related assets and liabilities,our tax position and projected cash flows from both existing and projected new business. For risks related to modeling, see \u201cItem 1A \u2013 Risk Factors \u2013 Financial Risks\u2013Actual results may differ materially from the analytical models we use to assist in our decision-making in key areas such as pricing, catastrophe risks, reserving andcapital management.\u201d\nAlternative asset portfolio asset allocations are analyzed for significant lines of business. An investment portfolio maturity structure is then selected from theseprofiles given our return hurdle and risk appetite. Scenario testing of significant liability assumptions and new business projections is also performed.\nOur liabilities generally do not include policyholder optionality, which means that the timing of payments is generally insensitive to the interest rateenvironment. In addition, our investment portfolio is largely comprised of highly liquid public fixed maturity securities with a sufficient component of such securitiesinvested that are near maturity which may be sold with minimal risk of loss to meet cash needs.\nGenerally, our subsidiaries\u2019 premiums, fees and investment income, along with planned asset sales and maturities, provide sufficient cash to pay claims andexpenses. However, there may be instances when unexpected cash needs arise in excess of that available from usual operating sources. In such instances, we haveseveral options to raise needed funds, including selling assets from the subsidiaries\u2019 investment portfolios, using holding company cash (if available), issuingcommercial paper, or drawing funds from the Credit Facility.\n57", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3934, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "3ee8e376-cae8-4ed8-82d8-3e89d746f9dc": {"__data__": {"id_": "3ee8e376-cae8-4ed8-82d8-3e89d746f9dc", "embedding": null, "metadata": {"page_label": "60", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "f5e63455-afee-49f8-ba08-a97801deda53", "node_type": "4", "metadata": {"page_label": "60", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d63b41aeb4a403ed0a9cf56be919ceb52e9459b5bdd8e3dd1eb8a0e7a02e0c08", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "0b46b10e-f867-4fe8-90bc-daa4f46aced6", "node_type": "1", "metadata": {}, "hash": "f0e850d418f3449be78868224a97f6692fb6eca3d38fa3de2ed38a90426609a1", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Senior and Subordinated Notes \nThe following table shows the principal amount and carrying value of our outstanding debt, less unamortized discount and issuance costs as applicable, as ofDecember 31, 2023 and 2022:\nDecember 31, 2023 December 31, 2022\nPrincipal Amount Carrying Value Principal Amount Carrying Value\n4.20% Senior Notes due September 2023 $ \u2014 $ \u2014 $ 225.0 $ 224.7 6.10% Senior Notes due February 2026 175.0 173.7 \u2014 \u2014 4.90% Senior Notes due March 2028 300.0 298.2 300.0 297.8 \n3.70% Senior Notes due February 2030 350.0 347.9 350.0 347.6 2.65% Senior Notes due January 2032 350.0 347.0 350.0 346.7 6.75% Senior Notes due February 2034 275.0 272.7 275.0 272.5 \n7.00% Fixed-to-Floating Rate Subordinated Notes due March 2048 400.0 397.0 400.0 396.5 \n5.25% Subordinated Notes due January 2061 250.0 244.1 250.0 244.1 \nTotal Debt $ 2,080.6 $ 2,129.9 \n2026 Senior Notes: In February 2023, we issued senior notes with an aggregate principal amount of $175.0 million, which bear interest at a rate of 6.10% peryear, mature in February 2026 and were issued at a 0.035% discount to the public (the \u201c2026 Senior Notes\u201d). Interest on the 2026 Senior Notes is payable semi-annually in arrears on February 27 and August 27 of each year, beginning on August 27, 2023. Prior to January 27, 2026, we may redeem all or part of the 2026Senior Notes at any time at a redemption price equal to 100% of the outstanding principal amount of the 2026 Senior Notes to be redeemed, plus a make-wholepremium as described in the 2026 Senior Notes and accrued and unpaid interest up to the redemption date. On or after that date, we may redeem all or part of the2026 Senior Notes at any time at a redemption price equal to 100% of the outstanding principal amount of the 2026 Senior Notes to be redeemed, plus accrued andunpaid interest up to the redemption date.\nIn March 2023, we used the net proceeds from the sale of the 2026 Senior Notes (and available cash on hand) to redeem $175.0 million of the $225.0 millionthen outstanding aggregate principal amount of our 4.20% Senior Notes due September 2023 (the \u201c2023 Senior Notes\u201d) plus accrued and unpaid interest up to theredemption date. In connection with the redemption, we recognized a net gain on extinguishment of debt of $0.1 million. The net gain resulted from the recognitionof a previously deferred gain from the termination of a hedge of the interest rate risk associated with the redeemed notes, partially offset by the immediate recognitionof the remaining deferred debt issuance costs relating to the redeemed notes.\nIn September 2023, the remaining $50.0 million outstanding principal amount of the 2023 Senior Notes was paid upon maturity.\nIn the next five years, we have two debt maturities in February 2026 and March 2028 when the 2026 Senior Notes and the 2028 Senior Notes, respectively,become due and payable.\nCredit Facility and Commercial Paper Program\nWe have a $500.0 million five-year senior unsecured revolving credit facility (the \u201cCredit Facility\u201d) with a syndicate of banks arranged by JPMorgan ChaseBank, N.A. and Wells Fargo Bank, National Association. The Credit Facility provides for revolving loans and the issuance of multi-bank, syndicated letters of creditand letters of credit from a sole issuing bank in an aggregate amount of $500.0 million, which may be increased up to $700.0 million. The Credit Facility is availableuntil December 2026, provided we are in compliance with all covenants. The Credit Facility has a sublimit for letters of credit issued thereunder of $50.0 million. Theproceeds from these loans may be used for our commercial paper program or for general corporate purposes.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3668, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "0b46b10e-f867-4fe8-90bc-daa4f46aced6": {"__data__": {"id_": "0b46b10e-f867-4fe8-90bc-daa4f46aced6", "embedding": null, "metadata": {"page_label": "60", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "f5e63455-afee-49f8-ba08-a97801deda53", "node_type": "4", "metadata": {"page_label": "60", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d63b41aeb4a403ed0a9cf56be919ceb52e9459b5bdd8e3dd1eb8a0e7a02e0c08", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "3ee8e376-cae8-4ed8-82d8-3e89d746f9dc", "node_type": "1", "metadata": {"page_label": "60", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "c93a0b5dcd037b8520a38c0db1e379ea962ea723f0512605b5ed1cfd3569c607", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "We made no borrowings using the Credit Facility during Twelve Months 2023 and no loans were outstanding as of December 31, 2023.\nOur commercial paper program requires us to maintain liquidity facilities either in an available amount equal to any outstanding notes from the program or inan amount sufficient to maintain the ratings assigned to the notes issued from the program. Our commercial paper is rated AMB-1+ by A.M. Best, P-2 by Moody\u2019sand A-2 by S&P. Our subsidiaries do not maintain commercial paper or other borrowing facilities. This program is currently backed up by the Credit Facility, ofwhich $500.0 million was available as of December 31, 2023. \nWe did not use the commercial paper program during Twelve Months 2023 and there were no amounts relating to the commercial paper program outstanding asof December 31, 2023.  \n58", "mimetype": "text/plain", "start_char_idx": 3669, "end_char_idx": 4509, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "c69c7669-9efe-4a42-9043-79fdcd43850d": {"__data__": {"id_": "c69c7669-9efe-4a42-9043-79fdcd43850d", "embedding": null, "metadata": {"page_label": "61", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "9dfc8c74-6804-4539-859b-7c1f8652ed96", "node_type": "4", "metadata": {"page_label": "61", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "806a2d2cd5c97cb24c18dba0b46daa3f2b533ffc332431fbe60b238a0438ade8", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "For additional information, see Note 19 to the Consolidated Financial Statements included elsewhere in this Report.\nLetters of Credit \nLetters of credit are issued in the ordinary course of business. These letters of credit are supported by commitments under which we are required to indemnifythe financial institution issuing the letter of credit if the letter of credit is drawn. We had $2.9 million and $2.7 million of letters of credit outstanding as ofDecember 31, 2023 and 2022, respectively. \nCash Flows\nWe monitor cash flows at the consolidated, holding company and subsidiary levels. Cash flow forecasts at the consolidated and subsidiary levels are providedon a monthly basis, and we use trend and variance analyses to project future cash needs making adjustments to the forecasts when needed. \nThe table below shows our recent net cash flows for the periods indicated:\n For the Years Ended December 31,\n 2023 2022\nNet cash provided by (used in):Operating activities $ 1,138.1 $ 596.9 \nInvesting activities (637.7) (262.1)Financing activities (403.9) (818.4)Effect of exchange rate changes on cash and cash equivalents (5.8) (34.5)\nNet change in cash $ 90.7 $ (518.1)\nCash Flows for the Years Ended December 31, 2023 and 2022\nOperating Activities \nWe typically generate operating cash inflows from premiums collected from our insurance products, fees received for services and income received from ourinvestments while outflows consist of policy acquisition costs, benefits paid and operating expenses. These net cash flows are then invested to support the obligationsof our insurance products and required capital supporting these products. Our cash flows from operating activities are affected by the timing of premiums, fees, andinvestment income received and expenses paid.\nNet cash provided by operating activities was $1.14 billion and $596.9 million for Twelve Months 2023 and Twelve Months 2022, respectively. The change innet operating cash flows was largely attributable to our mobile business operations, primarily from higher collections of premiums and fees due to timing, and adecrease in payments to vendors for acquisition of mobile devices used to meet insurance claims or generate profits through sales to third parties. The increase waspartially offset by higher net paid claims for Twelve Months 2023 and a receipt of a tax refund that was in excess of tax payments during Twelve Months 2022.\nInvesting Activities \nNet cash used in investing activities was $637.7 million and $262.1 million for Twelve Months 2023 and Twelve Months 2022, respectively. The change in netinvesting cash flows was primarily driven by the investment of net cash provided by operating activities and reinvestment of proceeds from the sales of maturities ofinvestments in higher yielding fixed maturity securities during the period. Also contributing to the change was an increase in purchases of short-term investments dueto the timing of working capital needs.\nFinancing Activities \nNet cash used in financing activities was $403.9 million and $818.4 million for Twelve Months 2023 and Twelve Months 2022, respectively. The change in netfinancing cash flows was primarily due to lower share repurchases during Twelve Months 2023.\n59", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3241, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "1ddf6117-8aea-4e5a-9667-df6ca5695ee6": {"__data__": {"id_": "1ddf6117-8aea-4e5a-9667-df6ca5695ee6", "embedding": null, "metadata": {"page_label": "62", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "58d65fb5-d7d3-486a-9ea6-00bdaaed23b6", "node_type": "4", "metadata": {"page_label": "62", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "82a4b1a92ddd9fd9c863a05c8830f08d3f1383de25c080641f6bb7361c598cb1", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "58fd3720-4c3f-4f97-a560-158329415c6a", "node_type": "1", "metadata": {}, "hash": "0e3d7865d7dddf04867442c529dcf0186b093705f12ae2c641d8e61c2717f274", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The table below shows our cash outflows for taxes, interest and dividends for the periods indicated:\n For the Years Ended December 31,\n 2023 2022 2021\nIncome taxes paid $ 235.4 $ 127.7 $ 221.1 Interest paid on debt 107.4 108.6 109.8 Common stock dividends 152.3 150.2 157.6 \nPreferred stock dividends \u2014 \u2014 4.7 \nTotal $ 495.1 $ 386.5 $ 493.2 \nContractual Obligations and Commitments\nWe have contractual obligations and commitments to third parties as a result of our operations, as detailed in the table below by maturity date as of December31, 2023: \n As of December 31, 2023\n Total Less than 1Year 1-3Years 3-5Years More than 5Years\nContractual obligations:\nInsurance liabilities (1) $ 1,878.8 $ 1,295.1 $ 452.7 $ 70.0 $ 61.0 Debt and related interest 3,725.7 107.3 384.2 485.9 2,748.3 Operating leases 37.8 15.8 16.0 5.4 0.6 \nPension obligations and postretirement benefits(2) 486.2 57.4 103.1 99.1 226.6 Commitments:\nInvestment purchases outstanding:Commercial mortgage loans on real estate 1.4 1.4 \u2014 \u2014 \u2014 Capital contributions to non-consolidatedVIEs 121.4 121.4 \u2014 \u2014 \u2014 Liability for unrecognized tax benefits 19.2 \u2014 15.6 \u2014 3.6 \nTotal obligations and commitments $ 6,270.5 $ 1,598.4 $ 971.6 $ 660.4 $ 3,040.1 \n(1) Insurance liabilities reflect undiscounted estimated cash payments to be made to policyholders, net of expected future premium cash receipts on in-force policies and excluding fully reinsured runoffoperations. The total gross reserve for fully reinsured runoff operations that was excluded was $597.9 million which, if the reinsurers defaulted, would be payable over a 30+ year period with themajority of the payments occurring after 5 years. Additional information on the reinsurance arrangements can be found in Note 18 to the Consolidated Financial Statements included elsewhere in thisReport. These liabilities also do not include recoverable amounts related to certain high deductible policies in our sharing economy business, included in our non-core operations, for which we areresponsible for paying the entirety of the claim and are subsequently reimbursed by the insured for the deductible portion of the claim. As of December 31, 2023, we had exposure to $369.5 million ofreserves below the deductible that we would be responsible for if the clients were to default on their contractual obligation to pay us the deductible. See Note 5 to the Consolidated Financial Statementsincluded elsewhere in this Report for more information on our evaluation of the credit risk exposure from these recoverables. As a result, the amounts presented in this table do not agree to the futurepolicy benefits and expenses and claims and benefits payable in the consolidated balance sheets.(2) Our pension obligations and postretirement benefits include an Assurant Pension Plan, various non-qualified pension plans (including an Executive Pension Plan) and certain life and health carebenefits for retired employees and their dependents (\u201cRetirement Health Benefits\u201d), all of which were frozen in 2016. In February 2020, we amended the Retirement Health Benefits to terminate suchplan benefits to retirees effective December 31, 2024. Due to the Assurant Pension Plan\u2019s current overfunded status, no contributions were made during 2023 and none are expected to be made in 2024.See Note 24 to the Consolidated Financial Statements included elsewhere in this Report for more information.\nLiabilities for future policy benefits and expenses have been included in the commitments and contingencies table. Significant uncertainties relating to theseliabilities include mortality, morbidity, expenses, persistency, investment returns, inflation, contract terms and the timing of payments.\nItem 7A. Quantitative and Qualitative Disclosures About Market Risk\nThe following is a discussion of our primary market risk exposures and management of such exposures as of December 31, 2023.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3884, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "58fd3720-4c3f-4f97-a560-158329415c6a": {"__data__": {"id_": "58fd3720-4c3f-4f97-a560-158329415c6a", "embedding": null, "metadata": {"page_label": "62", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "58d65fb5-d7d3-486a-9ea6-00bdaaed23b6", "node_type": "4", "metadata": {"page_label": "62", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "82a4b1a92ddd9fd9c863a05c8830f08d3f1383de25c080641f6bb7361c598cb1", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "1ddf6117-8aea-4e5a-9667-df6ca5695ee6", "node_type": "1", "metadata": {"page_label": "62", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d9c706c48de2f965df6485c6497b819f04457330a07b2eeec342cf7266cd63e4", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "There were no othersignificant changes in our primary market risk exposures or in how those exposures were managed for the year ended December 31, 2023, compared to the yearended December 31, 2022. We do not currently anticipate significant changes in our primary market risk exposures or in how those exposures are managed in futurereporting periods based upon what is known or expected to be in effect in future reporting periods.\n60", "mimetype": "text/plain", "start_char_idx": 3885, "end_char_idx": 4320, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "77ef2f9c-ec72-4e04-8c8b-a3597ce6287b": {"__data__": {"id_": "77ef2f9c-ec72-4e04-8c8b-a3597ce6287b", "embedding": null, "metadata": {"page_label": "63", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "610b05c0-a6a5-4547-a17b-fa17580847ff", "node_type": "4", "metadata": {"page_label": "63", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "9da4fd817ab1a7d99df2dcf432de078cf19582f2a0472961617d3bd4a21a0082", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "aaaf0438-75c8-4746-8f5a-450759dbfa92", "node_type": "1", "metadata": {}, "hash": "f0f662e0c854d4b726a9fab3d4467e67c4098c204b56f38085fd8ea104da51af", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Market risk is the risk of loss from changes in the fair value of our financial instruments, including due to interest rates (including impacts of changes in creditspreads), foreign currency exchange rates and credit risk from counterparties. Market risk is dependent on the volatility and liquidity in the underlying markets inwhich these assets are traded.\nOur investment portfolio consists primarily of fixed maturity securities, denominated in both U.S. dollars and foreign currencies, which are sensitive to changesin interest rates, including impacts of changes in credit spreads, foreign currency exchange rates and credit risk from counterparties. The majority of our fixed incomeportfolio is classified as available for sale. The carrying value of our investment portfolio at December 31, 2023 and 2022 was $8.22 billion and $7.52 billion,respectively, of which 84% was invested in fixed maturity securities.\nInterest Rate Risk\nInterest rate risk is the possibility that the fair value of liabilities will change more or less than the market value of investments in response to changes in interestrates, including changes in investment yields and changes in spreads due to credit risks and other factors.\nOur investment portfolio, including our fixed maturity portfolio, has exposure to interest rate risk. Changes in investment values attributable to interest ratechanges are mitigated by corresponding and partially offsetting changes in the economic value of our liabilities. We monitor this exposure through periodic reviewsof our asset and liability positions and we manage interest rate risk by selecting investments with characteristics such as duration, yield, currency and liquiditytailored to the anticipated cash outflow characteristics of our insurance and reinsurance liabilities. Portfolio duration is primarily managed through cash markettransactions. For additional information, see Notes 8 and 10 to the Consolidated Financial Statements included elsewhere in this Report and \u201cItem 7 \u2013 Management\u2019sDiscussion and Analysis of Financial Condition and Results of Operations \u2013 Investments\u201d.\nThe interest rate sensitivity relating to changes in fair value in our fixed maturity portfolio is assessed using hypothetical scenarios that assume parallel shifts ofthe yield curves. Our actual experience may differ from the results indicated below, particularly due to the assumptions reflected or if events occur that were notincluded in the methodology. For more information, see \u201cItem 1A \u2013 Risk Factors \u2013 Financial Risks \u2013 Actual results may differ materially from the analytical modelswe use to assist in our decision-making in key areas such as pricing, catastrophe risks, reserving and capital management.\u201d\nOur sensitivity analysis model produces a loss in fair value in the fixed maturity portfolio of (i) $170.0 million and $143.9 million as of December 31, 2023 and2022, respectively, based on a hypothetical and instantaneous 50 basis point parallel increase in interest rates (including impacts of changes in credit spreads), and (ii)$333.2 million and $283.2 million as of December 31, 2023 and 2022, respectively, based on a hypothetical and instantaneous 100 basis point parallel increase ininterest rates (including impacts of changes in credit spreads).\nOur debt obligations also have exposure to interest rate risk, primarily at the time of refinancing. We monitor market interest rates and evaluate refinancingopportunities for our debt obligations as maturity dates approach. We stagger the maturity dates of our debt to mitigate the interest rate risk in any given year. Foradditional information, see Note 19 to the Consolidated Financial Statements included elsewhere in this Report and \u201cItem 7 \u2013 Management\u2019s Discussion and Analysisof Financial Condition and Results of Operations \u2013 Liquidity and Capital Resources\u201d.\nOur sensitivity analysis model produces a loss in fair value of our debt obligations of (i) $54.0 million and $44.7 million as of December 31, 2023 and 2022,respectively, based on a hypothetical and instantaneous 50 basis point parallel increase in interest rates, and (ii) $106.3 million and $88.4 million as of December 31,2023 and 2022, respectively, based on a hypothetical and instantaneous 100 basis point parallel increase in interest rates.\nForeign Exchange Risk\nWe are exposed to foreign exchange risk arising from our investments in foreign subsidiaries. Foreign exchange risk is the possibility that changes in exchangerates produce an adverse effect on earnings and equity when measured in domestic currency. This risk is largest when assets backing liabilities payable in onecurrency are invested in financial instruments of another currency. To manage foreign exchange risk, our general principle is to invest in assets that match thecurrency in which we expect liabilities to be paid. Foreign exchange risk is mitigated by matching our liabilities under insurance policies that are payable in foreigncurrencies with investments that are denominated in such currencies.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5039, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "aaaf0438-75c8-4746-8f5a-450759dbfa92": {"__data__": {"id_": "aaaf0438-75c8-4746-8f5a-450759dbfa92", "embedding": null, "metadata": {"page_label": "63", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "610b05c0-a6a5-4547-a17b-fa17580847ff", "node_type": "4", "metadata": {"page_label": "63", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "9da4fd817ab1a7d99df2dcf432de078cf19582f2a0472961617d3bd4a21a0082", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "77ef2f9c-ec72-4e04-8c8b-a3597ce6287b", "node_type": "1", "metadata": {"page_label": "63", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d8843964f3615d96de011bdb81c345445fd531630f704ea965d4a902d883196e", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The foreign exchange risk sensitivity of the fair value of our investments in foreign subsidiaries is assessed using a hypothetical 10% immediate change in eachof the foreign currency exchange rates to which we are exposed. The modeling technique we use to report our currency exposure does not take into accountcorrelation among foreign currency exchange rates. Our actual experience may differ from the results indicated below, particularly due to the assumptions reflected orif events occur that were not included in the methodology. For more information, see \u201cItem 1A \u2013 Risk Factors \u2013 Financial Risks \u2013 Actual results may differ materiallyfrom the analytical models we use to assist in our decision-making in key areas such as pricing,\n61", "mimetype": "text/plain", "start_char_idx": 5040, "end_char_idx": 5782, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "65c07772-fba7-4eb9-9e9b-27a4bdfd94ea": {"__data__": {"id_": "65c07772-fba7-4eb9-9e9b-27a4bdfd94ea", "embedding": null, "metadata": {"page_label": "64", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "73b4a3da-6352-4a2b-9cd9-27bb355a6be2", "node_type": "4", "metadata": {"page_label": "64", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "1471f922f56ac65c1b6174d09329386b1a43b760c9a1779ce9962bf5ee3e20c0", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "catastrophe risks, reserving and capital management\u201d and \u201c\u2013 Fluctuations in the exchange rate of the U.S. Dollar and other foreign currencies may materially andadversely affect our results of operations.\u201d\nThe following table summarizes the net assets (liabilities) denominated in foreign currencies as of December 31, 2023 and 2022 and the sensitivity to ahypothetical strengthening of the U.S. dollar.\nDecember 31, 2023 December 31, 2022 2023 vs. 2022\nValue of net assets(liabilities) Exchange rate perUSD Value of net assets(liabilities) Exchange rate perUSD\n% Change inexchange rate perUSD\nBritish pound sterling (GBP) $ 321.5 1.2649 $ 306.9 1.2153 4.1%Canadian dollar (CAD) 233.9 0.7567 209.8 0.7393 2.4%\nEuro (EUR) 170.7 1.0924 179.4 1.0608 3.0%Brazilian real (BRL) 87.3 0.2040 68.8 0.1888 8.1%Australian dollar (AUD) 60.5 0.6707 59.6 0.6701 0.1%\nMexican peso (MXN) 85.4 0.0583 63.5 0.0505 15.4%Japanese yen (JPY) 28.6 0.0070 26.9 0.0073 (4.1)%Chilean peso (CLP) 17.6 0.0011 16.4 0.0011 \u2014%\nArgentine peso (ARS) 8.6 0.0012 27.4 0.0056 (78.6)%\nOther (various currencies) 19.2 5.4 \nValue of net assets denominated in foreign currencies $ 1,033.3 $ 964.1 \nNet assets $ 4,809.5 $ 4,228.7 As a percentage of total net assets 21.5 % 22.8 %Pre-tax decrease in fair value of our investments in foreignsubsidiaries from a hypothetical 10 percent strengthening ofthe USD $ (116.1) $ (117.3)Pre-tax increase in fair value of our investments in foreignsubsidiaries from a hypothetical 10 percent weakening of theUSD $ 116.1 $ 117.3 \nCredit Risk\nCredit risk is the possibility that counterparties may not be able to meet payment obligations when they become due. A counterparty is any person or entity fromwhich cash or other forms of consideration are expected to extinguish a liability or obligation to us. With respect to our market risk sensitive instruments, we haveexposure to credit risk as a holder of fixed maturity securities.\nOur risk management strategy and investment policy is to invest in securities from a diversified pool of issuers and to limit the amount of credit exposure withrespect to any one issuer. We attempt to limit our credit exposure by imposing fixed maturity portfolio limits on individual issuers based upon credit quality, amongother strategies. For additional information, refer to \u201cItem 7 \u2013 Management\u2019s Discussion and Analysis of Financial Condition and Results of Operations \u2013Investments\u201d and Notes 5 and 8 to the Consolidated Financial Statements included elsewhere in this Report.\nItem 8. Financial Statements and Supplementary Data \nThe Consolidated Financial Statements and Financial Statement Schedules in Part IV, Item 15(a)(1) and (2) of this Report are incorporated by reference intothis Item 8. \nItem 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure \nNone. \n62", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2837, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "deb292bb-ab0d-47ef-8d30-c2868e60eeec": {"__data__": {"id_": "deb292bb-ab0d-47ef-8d30-c2868e60eeec", "embedding": null, "metadata": {"page_label": "65", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "4287ef87-9745-4996-afb6-ede6c07e9c02", "node_type": "4", "metadata": {"page_label": "65", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f22410515b5240d026604ea1c1bf8eace161d156c0620d6bd440bb6eccee0cb3", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Item 9A. Controls and Procedures\nEvaluation of Disclosure Controls and Procedures \nOur management, with the participation of our CEO and our CFO, has evaluated the effectiveness of our disclosure controls and procedures pursuant to Rule13a-15(b) or 15d-15(b) under the Exchange Act as of December 31, 2023. Based on such evaluation, management, including our CEO and CFO, has concluded thatas of December 31, 2023, our disclosure controls and procedures were effective and provide reasonable assurance that information we are required to disclose in ourreports under the Exchange Act is recorded, processed, summarized and reported within the time periods specified by the SEC\u2019s rules and forms. Our CEO and CFOalso have concluded that as of December 31, 2023, information that we are required to disclose in our reports under the Exchange Act is accumulated andcommunicated to our management, including our CEO and CFO, as appropriate to allow timely decisions regarding required disclosure. \nManagement\u2019s Annual Report on Internal Control Over Financial Reporting \nOur management is responsible for establishing and maintaining adequate internal control over financial reporting for us as defined in Rule 13a-15(f) or 15d-15(f) under the Exchange Act. \nA company\u2019s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting andthe preparation of financial statements for external purposes in accordance with GAAP. A company\u2019s internal control over financial reporting includes policies andprocedures that: (1) pertain to the maintenance of records that in reasonable detail accurately and fairly reflect the transactions and dispositions of the assets of thecompany; (2) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with GAAP, andthat receipts and expenditures of the company are being made only in accordance with authorizations of management and directors of the company; and (3) providereasonable assurance regarding prevention or timely detection of unauthorized acquisition, use or disposition of the company\u2019s assets that could have a material effecton the financial statements. Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections ofany evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree ofcompliance with the policies or procedures may deteriorate. \nOur management, with the participation of our CEO and CFO, evaluated the effectiveness of our internal control over financial reporting as of December 31,2023 using criteria established in Internal Control \u2013 Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the TreadwayCommission (COSO). \nManagement, including our CEO and CFO, based on its evaluation of our internal control over financial reporting, has concluded that our internal control overfinancial reporting was effective as of December 31, 2023. \nThe effectiveness of our internal control over financial reporting as of December 31, 2023 has been audited by PricewaterhouseCoopers LLP, an independentregistered public accounting firm, as stated in their report which appears herein.\nChanges in Internal Control Over Financial Reporting \nThere were no changes in our internal control over financial reporting during the quarterly period ended December 31, 2023 that have materially affected, orare reasonably likely to materially affect, our internal control over financial reporting.\nItem 9B. Other Information \nRule 10b5-1 and non-Rule 10b5-1 Trading Arrangements\nNone.\nItem 9C. Disclosure Regarding Foreign Jurisdictions that Prevent Inspections\nNot applicable.\n63", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3886, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "1609a3e5-f751-479f-8d39-0c986e3be34f": {"__data__": {"id_": "1609a3e5-f751-479f-8d39-0c986e3be34f", "embedding": null, "metadata": {"page_label": "66", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "5dc70deb-623d-4c6b-ae0d-480ef4f18aac", "node_type": "4", "metadata": {"page_label": "66", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "bcd239a55dde30ac766d93fd50591c99b807e47677afc8cec6c9e55d882034aa", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "PART III\nItem 10. Directors, Executive Officers and Corporate Governance\nThe information required under this Item 10 regarding directors is incorporated by reference to the information in our upcoming 2024 Proxy Statement (the\u201c2024 Proxy Statement\u201d) under the caption \u201cProposals Requiring Your Vote \u2013 Proposal One \u2013 Election of Directors\u201d. The information required under this Item 10regarding executive officers is incorporated by reference to the information in the 2024 Proxy Statement under the caption \u201cExecutive Officers\u201d. The informationrequired under this Item 10 regarding compliance with Section 16(a) of the Exchange Act is incorporated by reference to the information in the 2024 Proxy Statementunder the caption \u201cDelinquent Section 16(a) Reports\u201d, if included in the 2024 Proxy Statement. The information required under this Item 10 regarding our Code ofBusiness Conduct and Ethics is incorporated by reference to the information in the 2024 Proxy Statement under the caption \u201cCorporate Governance \u2013 CorporateGovernance Guidelines and Code of Ethics \u2013 Code of Ethics\u201d. The information required under this Item 10 regarding the Nominating and Corporate GovernanceCommittee and the Audit Committee is incorporated by reference to the information in the 2024 Proxy Statement under the captions \u201cCorporate Governance \u2013Director Recruitment, Nomination and Qualifications\u201d, \u201cCorporate Governance \u2013 Board and Committee Leadership, Composition and Refreshment\u201d, \u201cCorporateGovernance \u2013 Audit Committee\u201d and \u201cCorporate Governance \u2013 Director Independence\u201d. \nItem 11. Executive Compensation\nThe information required under this Item 11 is incorporated by reference to the information in the 2024 Proxy Statement under the captions \u201cCompensationDiscussion and Analysis\u201d, \u201cExecutive Compensation\u201d and \u201cDirector Compensation\u201d. The information required under this Item 11 is incorporated by reference to theinformation in the 2024 Proxy Statement regarding the Compensation and Talent Committee under the captions \u201cCorporate Governance \u2013 Compensation and TalentCommittee Interlocks and Insider Participation\u201d and \u201cCompensation and Talent Committee Report\u201d. \nItem 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters\nThe information required under this Item 12 is incorporated by reference to the information in the 2024 Proxy Statement under the captions \u201cEquityCompensation Plan Information\u201d, \u201cSecurity Ownership of Certain Beneficial Owners\u201d and \u201cSecurity Ownership of Directors and Executive Officers\u201d. \nItem 13. Certain Relationships and Related Transactions, and Director Independence\nThe information required under this Item 13 is incorporated by reference to the information in the 2024 Proxy Statement under the captions \u201cTransactions withRelated Persons\u201d and \u201cCorporate Governance \u2013 Director Independence\u201d. \nItem 14. Principal Accounting Fees and Services\nThe information required under this Item 14 is incorporated by reference to the information in the 2024 Proxy Statement under the caption \u201cAudit CommitteeMatters \u2013 Fees of Principal Accountants\u201d. \n64", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3105, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "34808d20-497c-42f7-942f-3dc818abd95d": {"__data__": {"id_": "34808d20-497c-42f7-942f-3dc818abd95d", "embedding": null, "metadata": {"page_label": "67", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "e59e7b5e-bd20-4f67-9e14-bcdd5043ed12", "node_type": "4", "metadata": {"page_label": "67", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "031ef845cd5ef515a2225d326f0f643dcacad61b5125debd2ae546e73f949d48", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "PART IV\nItem 15. Exhibits and Financial Statement Schedules \n(a)(1) Consolidated Financial Statements \nThe following Consolidated Financial Statements of Assurant, Inc. are attached hereto:\n Page Number\nConsolidated Financial Statements of Assurant, Inc.Report of Independent Registered Public Accounting Firm (PCAOB ID 238) F-1Consolidated Balance Sheets as of December 31, 2023 and 2022 F-3\nConsolidated Statements of Operations For Years Ended December 31, 2023, 2022 and 2021 F-4Consolidated Statements of Comprehensive Income For Years Ended December 31, 2023, 2022 and 2021 F-5Consolidated Statements of Changes in Stockholders\u2019 Equity For Years Ended December 31, 2023, 2022 and 2021 F-6\nConsolidated Statements of Cash Flows For Years Ended December 31, 2023, 2022 and 2021 F-7Notes to the Consolidated Financial Statements F-8\n \n(a)(2) Consolidated Financial Statement Schedules \nThe following Consolidated Financial Statement Schedules of Assurant, Inc. are attached hereto:\nSchedule I \u2013 Summary of Investments Other Than Investments in Related Parties as of December 31, 2023 F-77Schedule II \u2013 Parent Only Condensed Financial Statements as of December 31, 2023 and 2022 and for Years Ended December 31, 2023, 2022 and 2021 F-78\nSchedule III \u2013 Supplementary Insurance Information as of December 31, 2023, 2022 and 2021 F-83Schedule IV \u2013 Reinsurance as of December 31, 2023, 2022 and 2021 F-84Schedule V \u2013 Valuation and Qualifying Accounts as of December 31, 2023, 2022 and 2021 F-85\n* All other financial statement schedules are omitted because they are not applicable or not required or the information is included in the Consolidated FinancialStatements or the notes thereto. \n(a)(3) Exhibits \nThe following exhibits either (a) are filed with this Report or (b) have previously been filed with the SEC and are incorporated herein by reference to those priorfilings.\nExhibitNumber Exhibit Description\n2.1Master Transaction Agreement, dated as of September 9, 2015, by and between Assurant, Inc. and Sun Life Assurance Company of Canada(incorporated by reference from Exhibit 2.1 to the Registrant\u2019s Current Report on Form 8-K, originally filed on September 10, 2015).2.2Amended and Restated Agreement and Plan of Merger, dated as of January 8, 2018, by and among Assurant, Inc., TWG Holdings Limited,TWG Re, Ltd., Arbor Merger Sub, Inc. and Spartan Merger Sub, Ltd. (incorporated by reference from Exhibit 2.1 to the Registrant\u2019s CurrentReport on Form 8-K, originally filed on January 9, 2018).2.3Letter Agreement, dated as of May 31, 2018, by and among Assurant, Inc., TWG Holdings Limited, TWG Re, Ltd and Spartan Merger Sub,Ltd. (incorporated by reference from Exhibit 2.2 to the Registrant\u2019s Current Report on Form 8-K, originally filed on May 31, 2018).\n2.4Equity Purchase Agreement, dated as of March 8, 2021, by and among Assurant, Inc., Interfinancial Inc., CMFG Life Insurance Companyand TruStage Global Holdings, ULC (incorporated by reference from Exhibit 2.1 to the Registrant\u2019s Current Report on Form 8-K originallyfiled on March 9, 2021).\n3.1Amended and Restated Certificate of Incorporation of Assurant, Inc. (incorporated by reference from Exhibit 3.1 to the Registrant\u2019s CurrentReport on Form 8-K, originally filed on May 12, 2017).3.2Amended and Restated By-Laws of Assurant, Inc., effective as of November 10, 2022 (incorporated by reference from Exhibit 3.1 to theRegistrant\u2019s Form 8-K, originally filed on November 14, 2022).\n65", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3460, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "0b0259b2-41b4-4b70-b28c-f3ba56646c24": {"__data__": {"id_": "0b0259b2-41b4-4b70-b28c-f3ba56646c24", "embedding": null, "metadata": {"page_label": "68", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "215ad246-0e17-46f4-92c4-2a70cade9096", "node_type": "4", "metadata": {"page_label": "68", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "27ae6588a7cc4b7a0b5b2d06c3cd4877f80d7e3bf55067b8c9b8ccd36e070af3", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "85955b88-0e11-4f73-aa98-0f0cb22b2f87", "node_type": "1", "metadata": {}, "hash": "205a3c0acbd416ae1158ca4a071e3b5b898dc479514bcd9df57a1685bad57b14", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "3.3Certificate of Designations of 6.50% Series D Mandatory Convertible Preferred Stock, filed with the Secretary of State of Delaware onMarch 12, 2018 (incorporated by reference from Exhibit 3.1 to the Registrant\u2019s Current Report on Form 8-K, originally filed on March 12,2018).\n4.1Specimen Common Stock Certificate (incorporated by reference from Exhibit 4.1 to the Registrant\u2019s Registration Statement on Form S-1/Aand amendments thereto, originally filed on January 13, 2004).4.2Senior Debt Indenture, dated as of February 18, 2004, between Assurant, Inc. and U.S. Bank National Association, successor to SunTrustBank, as trustee (incorporated by reference from Exhibit 10.27 to the Registrant\u2019s Annual Report on Form 10-K, originally filed on March30, 2004).4.3Indenture, dated as of March 28, 2013, between Assurant, Inc. and U.S. Bank National Association, as trustee (incorporated by referencefrom Exhibit 4.1 to the Registrant\u2019s Form 8-K, originally filed on March 28, 2013).4.4First Supplemental Indenture, dated as of February 28, 2023, between Assurant, Inc. and U.S. Bank Trust Company, National Association(successor to U.S. Bank National Association), as trustee (incorporated by reference from Exhibit 4.2 to the Registrant\u2019s Form 8-K,originally filed on February 28, 2023).4.5Subordinated Indenture, dated as of March 27, 2018, between Assurant, Inc. and U.S. Bank National Association, as trustee (incorporated byreference from Exhibit 4.2 to the Registrant\u2019s Current Report on Form 8-K, originally filed on March 27, 2018).\n4.6Description of the Registrant\u2019s Securities (incorporated by reference from Exhibit 4.5 to the Registrant\u2019s Annual Report on Form 10-K,originally filed on February 22, 2022).4.7Pursuant to Item 601(b)(4)(iii) of Regulation S-K, the Registrant hereby agrees to furnish to the SEC, upon request, a copy of any otherinstrument defining the rights of holders of long-term debt of the Registrant and its subsidiaries.10.1Form of Assurant, Inc. Restricted Stock Unit Award Agreement for Time-Based Awards for Directors, effective as of January 1, 2013(incorporated by reference from Exhibit 10.2 to the Registrant\u2019s Annual Report on Form 10-K, originally filed on February 20, 2013). *\n10.2Form of Assurant, Inc. Restricted Stock Unit Award Agreement for Time-Based Awards for Directors, effective as of January 1, 2013(incorporated by reference from Exhibit 10.3 to the Registrant\u2019s Annual Report on Form 10-K, originally filed on February 20, 2013). *10.3Amended and Restated Assurant, Inc. Long Term Equity Incentive Plan, effective as of January 1, 2012 (incorporated by reference fromExhibit 10.15 to the Registrant\u2019s Annual Report on Form 10-K, originally filed on February 23, 2012). *10.4Form of Assurant, Inc. Restricted Stock Unit Award Agreement for Time-Based Awards for Directors, under the Assurant, Inc. 2017 LongTerm Equity Incentive Plan (incorporated by reference from Exhibit 10.1 to the Registrant\u2019s Form S-8, originally filed on May 12, 2017). *\n10.5Form of Assurant, Inc. Restricted Stock Unit Award Agreement for Time-Based Awards for Non-Employee Directors, effective as of January18, 2023 (incorporated by reference from Exhibit 10.1 to the Registrant\u2019s Current Report on Form 8-K, originally filed on March 13, 2023).10.6Form of Assurant, Inc. Restricted Stock Unit Award Agreement for Time-Based Awards, effective as of January 18, 2023 (incorporated byreference from Exhibit 10.1 to the Registrant\u2019s Quarterly Report on Form 10-Q, originally filed on May 4, 2023).10.7Assurant, Inc.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3547, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "85955b88-0e11-4f73-aa98-0f0cb22b2f87": {"__data__": {"id_": "85955b88-0e11-4f73-aa98-0f0cb22b2f87", "embedding": null, "metadata": {"page_label": "68", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "215ad246-0e17-46f4-92c4-2a70cade9096", "node_type": "4", "metadata": {"page_label": "68", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "27ae6588a7cc4b7a0b5b2d06c3cd4877f80d7e3bf55067b8c9b8ccd36e070af3", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "0b0259b2-41b4-4b70-b28c-f3ba56646c24", "node_type": "1", "metadata": {"page_label": "68", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e7270d3412ffb7734aefdfacd56faeb4ea2c2f73f2f4292727ab16b9c71c1ef9", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "2017 Long Term Equity Incentive Plan (incorporated by reference from Exhibit 10.1 to the Registrant\u2019s Current Report onForm 8-K, originally filed on May 12, 2017). *\n10.8Assurant, Inc. 2017 Long Term Equity Incentive Plan, as amended (incorporated by reference from Exhibit 10.1 to the Registrant\u2019s CurrentReport on Form 8-K, originally filed on May 14, 2021). *10.9Assurant, Inc. 2017 Long Term Equity Incentive Plan, as amended and restated as of December 2, 2022 (incorporated by reference fromExhibit 10.8 to the Registrant\u2019s Annual Report on Form 10-K, originally filed on February 17, 2023).*10.10Assurant, Inc. 2017 Long Term Equity Incentive Plan, as amended and restated as of November 8, 2023.*10.11Amended and Restated Assurant, Inc. Executive Short Term Incentive Plan, effective as of January 1, 2012 (incorporated by reference fromExhibit 10.23 to the Registrant\u2019s Annual Report on Form 10-K, originally filed on February 23, 2012). *\n10.12Amended and Restated Assurant, Inc. Executive Short Term Incentive Plan, effective as of December 2, 2022 (incorporated by referencefrom Exhibit 10.10 to the Registrant\u2019s Annual Report on Form 10-K, originally filed on February 17, 2023).*10.13Amended and Restated Assurant, Inc. Executive Short Term Incentive Plan, effective as of November 8, 2023.*\n66", "mimetype": "text/plain", "start_char_idx": 3548, "end_char_idx": 4856, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "7616c666-f04f-45b8-be53-7495cc22386a": {"__data__": {"id_": "7616c666-f04f-45b8-be53-7495cc22386a", "embedding": null, "metadata": {"page_label": "69", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "04599f3c-c292-4cee-a7b2-a6352129d584", "node_type": "4", "metadata": {"page_label": "69", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e54224ae5b9a8d0393ba130704a4da9465bcb8f6954a4508051dcec950d91687", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "8ecd26f0-e65e-4e30-b4b5-69c6efabcffe", "node_type": "1", "metadata": {}, "hash": "833c77609375d406185298a9be578379171d21caf08a8ac24b5dce6c031a4c9f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "10.14Amended and Restated Assurant Deferred Compensation Plan, effective as of January 1, 2008 (incorporated by reference fromExhibit 10.33 to the Registrant\u2019s Annual Report on Form 10-K, originally filed on March 3, 2008). *10.15Amendment No. 1 to the Amended and Restated Assurant Deferred Compensation Plan, effective as of January 1, 2012 (incorporated byreference from Exhibit 10.28 to the Registrant\u2019s Annual Report on Form 10-K, originally filed on February 23, 2012). *10.16Amendment No. 2 to the Amended and Restated Assurant Deferred Compensation Plan, effective as of December 3, 2013 (incorporated byreference from Exhibit 10.31 to the Registrant\u2019s Annual Report on Form 10-K, originally filed on February 19, 2014). *\n10.17Assurant Executive Pension Plan, amended and restated, effective as of January 1, 2009 (incorporated by reference from Exhibit 10.15 tothe Registrant\u2019s Annual Report on Form 10-K, originally filed on February 27, 2009). *10.18Amendment No. 1 to the Assurant Executive Pension Plan, effective as of January 1, 2009 (incorporated by reference from Exhibit 10.33 tothe Registrant\u2019s Annual Report on Form 10-K, originally filed on February 23, 2012). *10.19Amendment No. 2 to the Assurant Executive Pension Plan, effective as of January 1, 2010 (incorporated by reference from Exhibit 10.34 tothe Registrant\u2019s Annual Report on Form 10-K, originally filed on February 23, 2012). *\n10.20Amendment No. 3 to the Assurant Executive Pension Plan, effective as of December 31, 2013 (incorporated by reference from Exhibit10.38 to the Registrant\u2019s Annual Report on Form 10-K, originally filed on February 19, 2014). *10.21Amendment No. 4 to the Assurant Executive Pension Plan, effective as of February 29, 2016 (incorporated by reference from Exhibit 10.1to the Registrant\u2019s Quarterly Report on Form 10-Q, originally filed on May 3, 2016). *10.22Assurant Executive 401(k) Plan, amended and restated, effective as of January 1, 2014 (incorporated by reference from Exhibit 10.1 to theRegistrant\u2019s Quarterly Report on Form 10-Q, originally filed on April 29, 2014). *\n10.23Amendment No. 1 to the Assurant Executive 401(k) Plan, as amended and restated, effective as of March 1, 2016 (incorporated by referencefrom Exhibit 10.27 to the Registrant\u2019s Annual Report on Form 10-K, originally filed on February 14, 2017). *10.24Amendment No. 2 to the Assurant Executive 401(k) Plan, as amended and restated, effective as of January 1, 2017 (incorporated byreference from Exhibit 10.29 to the Registrant\u2019s Annual Report on Form 10-K, originally filed on February 14, 2018). *10.25Form of Assurant, Inc. Change in Control Agreement, effective as of May 11, 2022 (incorporated by reference from Exhibit 10.1 to theRegistrant\u2019s Quarterly Report on Form 10-Q, originally filed on August 4, 2022).*\n10.26Form of Assurant, Inc. Change in Control Agreement, effective as of May 11, 2022 (California version) (incorporated by reference fromExhibit 10.2 to the Registrant\u2019s Quarterly Report on Form 10-Q, originally filed on August 4, 2022).*10.27Second Amended and Restated Credit Agreement, dated as of December 9, 2021, among Assurant, Inc., as borrower, certain lenders partythereto, JPMorgan Chase Bank, N.A., as administrative agent, and Wells Fargo Bank, National Association, as syndication agent(incorporated by reference from Exhibit 10.1 to the Registrant\u2019s Current Report on Form 8-K, originally filed on December 9, 2021).", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3442, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "8ecd26f0-e65e-4e30-b4b5-69c6efabcffe": {"__data__": {"id_": "8ecd26f0-e65e-4e30-b4b5-69c6efabcffe", "embedding": null, "metadata": {"page_label": "69", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "04599f3c-c292-4cee-a7b2-a6352129d584", "node_type": "4", "metadata": {"page_label": "69", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e54224ae5b9a8d0393ba130704a4da9465bcb8f6954a4508051dcec950d91687", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "7616c666-f04f-45b8-be53-7495cc22386a", "node_type": "1", "metadata": {"page_label": "69", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ea1165354b8a7f3625315e88b9ee80c9f765f44514c0c9027432d521fc6dd2d3", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "10.28Assurant, Inc. Amended and Restated Directors Compensation Plan, effective as of May 13, 2021 (incorporated by reference from Exhibit10.1 to the Registrant\u2019s Quarterly Report on Form 10-Q, originally filed on August 5, 2021). *\n10.29Assurant, Inc. Amended and Restated Directors Compensation Plan, effective as of May 11, 2023 (incorporated by reference from Exhibit10.1 to the Registrant\u2019s Quarterly Report on Form 10-Q, originally filed on August 3, 2023).*\n10.30Form of Assurant, Inc. Restricted Stock Unit Award Agreement for Performance-based Awards under the Assurant, Inc. 2017 Long TermEquity Incentive Plan for the Management Committee, effective July 18, 2018 (incorporated by reference from Exhibit 10.2 to theRegistrant\u2019s Quarterly Report on Form 10-Q, originally filed on August 9, 2018). *\n10.31Form of Assurant, Inc. Restricted Stock Unit Award Agreement for Time-based Awards under the Assurant, Inc. 2017 Long Term EquityIncentive Plan, effective March 16, 2019 (incorporated by reference from Exhibit 10.1 to the Registrant\u2019s Quarterly Report on Form 10-Q,originally filed on May 8, 2019). *\n10.32Form of Assurant, Inc. Restricted Stock Unit Award Agreement for Time-Based Awards under the Assurant, Inc. 2017 Long Term EquityIncentive Plan, as amended (incorporated by reference from Exhibit 10.1 to the Registrant\u2019s Quarterly Report on Form 10-Q, originally filedon May 5, 2022).*\n67", "mimetype": "text/plain", "start_char_idx": 3443, "end_char_idx": 4851, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "541edcf8-35ca-4fb3-aedd-4336993a20ce": {"__data__": {"id_": "541edcf8-35ca-4fb3-aedd-4336993a20ce", "embedding": null, "metadata": {"page_label": "70", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "37c3db8e-d99e-46da-8461-69ba25a5c7e3", "node_type": "4", "metadata": {"page_label": "70", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "171629d96850fc93fb30db3fc28d765303a2ce1e396713265d0ea79a8164578f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "10.33Form of Assurant, Inc. Restricted Stock Unit Award Agreement for Performance-Based Awards under the Assurant, Inc. 2017 Long TermEquity Incentive Plan, effective as of March 16, 2021 (incorporated by reference from Exhibit 10.1 to the Registrant\u2019s Quarterly Report onForm 10-Q originally filed on May 6, 2021). *\n10.34Form of Assurant, Inc. Restricted Stock Unit Award Agreement for Performance-Based Awards under the Assurant, Inc. 2017 Long TermEquity Incentive Plan, as amended (incorporated by reference from Exhibit 10.2 to the Registrant\u2019s Quarterly Report on Form 10-Q,originally filed on May 5, 2022).*\n10.35Form of Assurant, Inc. Restricted Stock Unit Award Agreement for Performance-Based Awards, effective as of January 18, 2023(incorporated by reference from Exhibit 10.2 to the Registrant\u2019s Quarterly Report on Form 10-Q, originally filed on May 4, 2023). *10.36Separation Agreement, dated as of November 14, 2023, by and between Assurant, Inc. and Richard Dziadzio. *\n21Subsidiaries of the Registrant.23Consent of PricewaterhouseCoopers LLP.24Power of Attorney.\n31.1Rule 13a-14(a)/15d-14(a) Certification of Principal Executive Officer.31.2Rule 13a-14(a)/15d-14(a) Certification of Principal Financial Officer.32.1Certification of Chief Executive Officer of Assurant, Inc. pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of theSarbanes-Oxley Act of 2002.32.2Certification of Chief Financial Officer of Assurant, Inc. pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of theSarbanes-Oxley Act of 2002.\n97Assurant, Inc. Compensation Clawback Policy, effective as of October 2, 2023.*101The following materials from the Company\u2019s Annual Report on Form 10-K for the fiscal year ended December 31, 2023, formatted inXBRL (Extensible Business Reporting Language): (i) the Consolidated Balance Sheets, (ii) the Consolidated Statements of Operations, (iii)the Consolidated Statements of Comprehensive Income, (iv) the Consolidated Statements of Changes in Stockholders\u2019 Equity, (v) theConsolidated Statements of Cash Flows and (vi) Notes to the Consolidated Financial Statements.104Cover Page Interactive Data File (embedded within the Inline XBRL document).\n*Management contract or compensatory plan.\nItem 16. Form 10-K Summary\nNone.\n68", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2292, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "18524caf-bc6b-4ed2-935b-0e666a05a097": {"__data__": {"id_": "18524caf-bc6b-4ed2-935b-0e666a05a097", "embedding": null, "metadata": {"page_label": "71", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "f50278ac-72e4-4a28-907f-27a727ae2788", "node_type": "4", "metadata": {"page_label": "71", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b5b34e6d234b1e68ed4cb5ad8d660f49b79bf3c759d9e37c37d0039086bc188d", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "SIGNATURES \nPursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this Report to be signedon its behalf by the undersigned, thereunto duly authorized on February 15, 2024.\nASSURANT, INC.\nBy:  /s/    KEITH W. DEMMINGS\nName:  Keith W. Demmings\nTitle:  President, Chief Executive Officer and Director (Principal Executive Officer)\n \n69", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 413, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "4fe2aca0-46a5-4039-8b27-3865e8cff4e1": {"__data__": {"id_": "4fe2aca0-46a5-4039-8b27-3865e8cff4e1", "embedding": null, "metadata": {"page_label": "72", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "e4638eda-fe19-4e0d-b024-a3605524c93d", "node_type": "4", "metadata": {"page_label": "72", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "5cae175e8686bb749a9362f45aaa95f8d7df872be3ec0e4c350a4e9f3257ed3d", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, this Report has been signed below by the following persons on behalf of theregistrant in the capacities indicated on February 15, 2024.\nSignature   Title\n/s/    KEITH W. DEMMINGS President, Chief Executive Officer and Director (Principal Executive Officer)\nKeith W. Demmings   \n/s/    KEITH R. MEIER Executive Vice President and Chief Financial Officer (Principal Financial Officer)\nKeith R. Meier   \n/s/    DIMITRY DIRIENZO Senior Vice President, Chief Accounting Officer and Controller (Principal Accounting Officer)\nDimitry DiRienzo   \n* Non-Executive Board Chair\nElaine D. Rosen   \n* DirectorPaget L. Alves   \n* DirectorRajiv Basu\n* DirectorJ. Braxton Carter   \n* DirectorJuan N. Cento   \n* DirectorHarriet Edelman   \n* DirectorSari Granat\n* DirectorLawrence V. Jackson   \n* DirectorDebra J. Perry   \n* DirectorOgnjen Redzic   \n* DirectorPaul J. Reilly\n* DirectorRobert W. Stein   \n \n*By:  /S/    KEITH R. MEIER\nName:  Keith R. Meier\n  Attorney-in-Fact\n70", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1040, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "05a6a7d2-5191-4d8e-b30e-f80a30d6b2cc": {"__data__": {"id_": "05a6a7d2-5191-4d8e-b30e-f80a30d6b2cc", "embedding": null, "metadata": {"page_label": "73", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "c49dab23-7c19-453f-878a-930cc2310e28", "node_type": "4", "metadata": {"page_label": "73", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "def57f73743d49c8fc18d93d46cdfab47f5015c38dabfc58ad3e3dacd6d3a355", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Report of Independent Registered Public Accounting Firm \nTo the Board of Directors and Stockholders of Assurant, Inc. \nOpinions on the Financial Statements and Internal Control over Financial Reporting\nWe have audited the accompanying consolidated balance sheets of Assurant, Inc. and its subsidiaries (the \u201cCompany\u201d) as of December 31, 2023 and 2022, and therelated consolidated statements of operations, of comprehensive income, of changes in stockholders\u2019 equity and of cash flows for each of the three years in the periodended December 31, 2023, including the related notes and financial statement schedules listed in the index appearing under Item 15(a)(2) (collectively referred to asthe \u201cconsolidated financial statements\u201d). We also have audited the Company's internal control over financial reporting as of December 31, 2023, based on criteriaestablished in Internal Control - Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission (COSO).\nIn our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of the Company as of December31, 2023 and 2022, and the results of its operations and its cash flows for each of the three years in the period ended December 31, 2023 in conformity withaccounting principles generally accepted in the United States of America. Also in our opinion, the Company maintained, in all material respects, effective internalcontrol over financial reporting as of December 31, 2023, based on criteria established in Internal Control - Integrated Framework (2013) issued by the COSO.\nBasis for Opinions\nThe Company's management is responsible for these consolidated financial statements, for maintaining effective internal control over financial reporting, and for itsassessment of the effectiveness of internal control over financial reporting, included in Management\u2019s Annual Report on Internal Control over Financial Reportingappearing under Item 9A. Our responsibility is to express opinions on the Company\u2019s consolidated financial statements and on the Company's internal control overfinancial reporting based on our audits. We are a public accounting firm registered with the Public Company Accounting Oversight Board (United States) (PCAOB)and are required to be independent with respect to the Company in accordance with the U.S. federal securities laws and the applicable rules and regulations of theSecurities and Exchange Commission and the PCAOB.\nWe conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audits to obtain reasonable assuranceabout whether the consolidated financial statements are free of material misstatement, whether due to error or fraud, and whether effective internal control overfinancial reporting was maintained in all material respects.\nOur audits of the consolidated financial statements included performing procedures to assess the risks of material misstatement of the consolidated financialstatements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidenceregarding the amounts and disclosures in the consolidated financial statements. Our audits also included evaluating the accounting principles used and significantestimates made by management, as well as evaluating the overall presentation of the consolidated financial statements. Our audit of internal control over financialreporting included obtaining an understanding of internal control over financial reporting, assessing the risk that a material weakness exists, and testing andevaluating the design and operating effectiveness of internal control based on the assessed risk. Our audits also included performing such other procedures as weconsidered necessary in the circumstances. We believe that our audits provide a reasonable basis for our opinions.\nDefinition and Limitations of Internal Control over Financial Reporting\nA company\u2019s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting and thepreparation of financial statements for external purposes in accordance with generally accepted accounting principles. A company\u2019s internal control over financialreporting includes those policies and procedures that (i) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactionsand dispositions of the assets of the company; (ii) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financialstatements in accordance with generally accepted accounting principles, and that receipts and expenditures of the company are being made only in accordance withauthorizations of management and directors of the company; and (iii) provide reasonable assurance regarding prevention or timely detection of unauthorizedacquisition, use, or disposition of the company\u2019s assets that could have a material effect on the financial statements.\nBecause of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation ofeffectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance with thepolicies or procedures may deteriorate.\nF-1", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5506, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "fd3e1177-92e7-404f-a89b-c023d633fffb": {"__data__": {"id_": "fd3e1177-92e7-404f-a89b-c023d633fffb", "embedding": null, "metadata": {"page_label": "74", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "815d2b8a-7b66-49f2-9240-960a12613828", "node_type": "4", "metadata": {"page_label": "74", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "c3aef434a034adf78eeedcb204e91f2a59fd40591880937c3af1b91489f7f51f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Critical Audit Matters\nThe critical audit matter communicated below is a matter arising from the current period audit of the consolidated financial statements that was communicated orrequired to be communicated to the audit committee and that (i) relates to accounts or disclosures that are material to the consolidated financial statements and (ii)involved our especially challenging, subjective, or complex judgments. The communication of critical audit matters does not alter in any way our opinion on theconsolidated financial statements, taken as a whole, and we are not, by communicating the critical audit matter below, providing a separate opinion on the criticalaudit matter or on the accounts or disclosures to which it relates.\nValuation of Claims and Benefits Payable Reserves for Global Lifestyle, Global Housing and Non-Core Operations Short Duration Insurance Contracts\nAs described in Notes 2 and 17 to the consolidated financial statements, the Company maintains claims and benefits payable reserves for short duration insurancecontracts. Reserves are established using generally accepted actuarial methods and reflect judgments about expected future claim payments. The reserve liability isbased on the expected ultimate cost of settling the claims. As of December 31, 2023, the Company\u2019s total liability for claims and benefits payable was $1.99 billion,which included $1.79 billion of liabilities for short duration contracts within the Global Lifestyle and Global Housing reporting segments as well as within its non-core operations. Claims and benefits payable reserves include case reserves for known claims which are unpaid as of the balance sheet date; incurred but not reportedreserves for claims where the insured event has occurred but has not been reported as of the balance sheet date; and loss adjustment expense reserves for the expectedhandling costs of settling the claims. Factors used in the calculation of the reserves include experience derived from historical claim payments and actuarialassumptions. As described by management, the best estimate of ultimate loss and loss adjustment expense is generally selected from a blend of different actuarialmethods that are applied consistently each period, considering significant assumptions including projected loss development factors and expected loss ratios.\nThe principal considerations for our determination that performing procedures relating to the valuation of claims and benefits payable reserves for short durationinsurance contracts is a critical audit matter are (i) the significant judgment by management when determining their estimates; (ii) a high degree of auditor judgment,subjectivity and effort in performing procedures and evaluating audit evidence related to the actuarial methods and projected loss development factors and expectedloss ratio assumptions; and (iii) the audit effort involved the use of professionals with specialized skill and knowledge.\nAddressing the matter involved performing procedures and evaluating audit evidence in connection with forming our overall opinion on the consolidated financialstatements. These procedures included testing the effectiveness of controls relating to the valuation of claims and benefits payable reserves for short durationinsurance contracts, including controls over the selection of actuarial methods, completeness and accuracy of claims data and the development of the significantassumptions. On a test basis, these procedures also included, among others, testing the completeness and accuracy of historical claims data provided by managementand the involvement of professionals with specialized skill and knowledge to assist in either (i) testing management\u2019s process for determining the estimates byevaluating the appropriateness of management\u2019s actuarial methods and the reasonableness of projected loss development factors and expected loss ratio assumptions;or (ii) developing an actuarially determined independent estimate utilizing actual historical data and loss development patterns, as well as industry data and otherbenchmarks, and comparing this independent estimate to management\u2019s actuarially determined reserves.\n/s/ PricewaterhouseCoopers LLP\nNew York, New YorkFebruary 15, 2024\nWe have served as the Company\u2019s auditor since 2000.\nF-2", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4310, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "274932f5-2766-4266-a744-17557e23195f": {"__data__": {"id_": "274932f5-2766-4266-a744-17557e23195f", "embedding": null, "metadata": {"page_label": "75", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "ee155a8a-4235-4d24-81b7-85ed4d50734a", "node_type": "4", "metadata": {"page_label": "75", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "8ffa9073663201da1b03991f34a411fc219516cbba4a6d456cc05bbc24e932b2", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Assurant, Inc.Consolidated Balance SheetsAs of December 31, 2023 and 2022\n December 31,\n 2023 2022\n(in millions except number of shares and per share amounts)Assets\nInvestments:\nFixed maturity securities available for sale, at fair value (amortized cost \u2013 $7,292.4 and $6,920.8 at December 31, 2023 and 2022, respectively) $ 6,912.1 $ 6,283.7 \nEquity securities at fair value 223.0 281.3 \nCommercial mortgage loans on real estate, at amortized cost (net of allowances for credit losses of $4.0 and $1.8 at December 31, 2023 and 2022,respectively) 328.7 295.6 \nShort-term investments 258.1 155.5 \nOther investments 499.0 508.4 \nTotal investments 8,220.9 7,524.5 \nCash and cash equivalents 1,627.4 1,536.7 \nPremiums and accounts receivable (net of allowances for credit losses of $9.0 and $9.2 at December 31, 2023 and 2022, respectively) 2,265.6 2,406.4 \nReinsurance recoverables (net of allowances for credit losses of $4.8 and $5.4 at December 31, 2023 and 2022, respectively) 6,649.2 6,999.4 \nAccrued investment income 97.0 85.1 \nDeferred acquisition costs 9,967.2 9,677.1 \nProperty and equipment, net 685.8 645.1 \nGoodwill 2,608.8 2,603.0 \nValue of business acquired 83.9 262.8 \nOther intangible assets, net 567.1 638.9 \nOther assets (net of allowances for credit losses of $0.7 and $1.7 at December 31, 2023 and 2022, respectively) (1) 862.3 738.3 \nTotal assets $ 33,635.2 $ 33,117.3 \nLiabilities\nFuture policy benefits and expenses $ 487.2 $ 507.9 \nUnearned premiums 20,110.4 19,802.4 \nClaims and benefits payable 1,989.2 2,210.0 \nCommissions payable 542.8 647.5 \nReinsurance balances payable 430.1 492.8 \nFunds held under reinsurance 392.7 366.6 \nAccounts payable and other liabilities (including allowances for credit losses of $8.3 and $10.3 at December 31, 2023 and 2022) 2,792.7 2,731.5 \nDebt 2,080.6 2,129.9 \nTotal liabilities 28,825.7 28,888.6 \nCommitments and contingencies (Note 27)\nStockholders\u2019 equity\nCommon stock, par value $0.01 per share, 800,000,000 shares authorized, 54,252,083 and 55,126,470 shares issued and 51,955,994 and 52,830,381 sharesoutstanding at December 31, 2023 and 2022, respectively 0.6 0.6 \nAdditional paid-in capital 1,668.5 1,637.8 \nRetained earnings 4,028.2 3,699.3 \nAccumulated other comprehensive loss (765.0) (986.2)\nTreasury stock, at cost; 2,296,089 shares at December 31, 2023 and 2022 (122.8) (122.8)\nTotal equity 4,809.5 4,228.7 \nTotal liabilities and equity $ 33,635.2 $ 33,117.3 \n(1) Other assets as of December 31, 2023 includes the assets of the Company\u2019s Miami, Florida office which were reclassified from property and equipment, net, when held-for-sale criteria was met insecond quarter 2023. Refer to Note 14 for additional information.\nSee the accompanying Notes to the Consolidated Financial Statements\nF-3", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2766, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "6a9c71f3-d0a0-4f2e-b451-b052bf97b6b9": {"__data__": {"id_": "6a9c71f3-d0a0-4f2e-b451-b052bf97b6b9", "embedding": null, "metadata": {"page_label": "76", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "41104a7c-2c53-442b-ad51-0b3f259ba6f0", "node_type": "4", "metadata": {"page_label": "76", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "81fc83d1e6ceff7aabc3f7c2a601130a8f4be1d0cd34e40a6028f7d86ca865e2", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Assurant, Inc. \nConsolidated Statements of OperationsYears Ended December 31, 2023, 2022 and 2021\n Years Ended December 31,\n 2023 2022 2021\n (in millions except number of shares and per share amounts)\nRevenues\nNet earned premiums $ 9,388.0 $ 8,765.3 $ 8,572.1 Fees and other income 1,323.2 1,243.3 1,172.9 Net investment income 489.1 364.1 314.4 \nNet realized (losses) gains on investments (including $(17.0), $(4.6) and $0.2 of impairment-related (losses) gains for the years ended December 31, 2023, 2022 and 2021, respectively)and fair value changes to equity securities\n(68.7) (179.7) 128.2 \nTotal revenues 11,131.6 10,193.0 10,187.6 \nBenefits, losses and expenses\nPolicyholder benefits 2,521.8 2,359.8 2,201.9 Underwriting, selling, general and administrative expenses 7,695.1 7,366.3 7,081.9 Goodwill impairment (Note 15) \u2014 7.8 \u2014 \nInterest expense 108.0 108.3 111.8 (Gain) loss on extinguishment of debt (Note 19) (0.1) 0.9 20.7 \nTotal benefits, losses and expenses 10,324.8 9,843.1 9,416.3 \nIncome from continuing operations before income tax expense 806.8 349.9 771.3 \nIncome tax expense 164.3 73.3 168.4 Net income from continuing operations 642.5 276.6 602.9 Net income from discontinued operations (Note 4) \u2014 \u2014 758.9 \nNet income 642.5 276.6 1,361.8 Less: Preferred stock dividends \u2014 \u2014 (4.7)\nNet income attributable to common stockholders $ 642.5 $ 276.6 $ 1,357.1 \nEarnings Per Common Share\nBasicNet income from continuing operations $ 12.02 $ 5.09 $ 10.11 Net income from discontinued operations $ \u2014 $ \u2014 $ 12.84 \nNet income attributable to common stockholders $ 12.02 $ 5.09 $ 22.95 DilutedNet income from continuing operations $ 11.95 $ 5.05 $ 10.03 \nNet income from discontinued operations $ \u2014 $ \u2014 $ 12.63 Net income attributable to common stockholders $ 11.95 $ 5.05 $ 22.66 Share Data\nWeighted average common shares outstanding used in basic per common share calculations 53,455,139 54,371,531 59,140,861 Plus: Dilutive securities 327,930 410,997 982,833 \nWeighted average common shares used in diluted per common share calculations 53,783,069 54,782,528 60,123,694 \n \nSee the accompanying Notes to the Consolidated Financial Statements\nF-4", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2156, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "b1b54fa9-7453-4ab9-805b-3d2505ded282": {"__data__": {"id_": "b1b54fa9-7453-4ab9-805b-3d2505ded282", "embedding": null, "metadata": {"page_label": "77", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "055a8414-583e-434d-900c-a881dfe55c8b", "node_type": "4", "metadata": {"page_label": "77", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e2cc820071a15a495544d1120879eac2339c85c704c45d0dde316a0369a961e5", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Assurant, Inc.Consolidated Statements of Comprehensive IncomeYears Ended December 31, 2023, 2022 and 2021 \n Years Ended December 31,\n 2023 2022 2021\n  (in millions)  \nNet income $ 642.5 $ 276.6 $ 1,361.8 \nOther comprehensive income (loss):Change in net unrealized gains on securities, net of taxes of $(52.6), $196.7 and $233.7 forthe years ended December 31, 2023, 2022 and 2021, respectively (1) 207.7 (769.8) (841.0)\nChange in unrealized gains on derivative transactions, net of taxes of $0.3, $0.7 and $0.7 forthe years ended December 31, 2023, 2022 and 2021, respectively (1.3) (2.6) (2.3)Change in foreign currency translation, net of taxes of $(2.3), $(6.0) and $3.1 for the yearsended December 31, 2023, 2022 and 2021, respectively 42.1 (67.1) (31.3)Amortization of pension and postretirement unrecognized net periodic benefit cost andchange in funded status, net of taxes of $7.2, $(0.9) and $(3.8) for the years ended December31, 2023, 2022 and 2021, respectively (27.3) 3.3 14.8 \nTotal other comprehensive income (loss) 221.2 (836.2) (859.8)Total comprehensive income (loss) attributable to common stockholders $ 863.7 $ (559.6) $ 502.0 \n(1) The year ended December 31, 2021 includes $0.3 million of foreign currency translation adjustments and $605.7 million of net unrealized gains on investments, for a total $606.0 million, net of taxes,that were recognized through income from discontinued operations upon the sale of the disposed Global Preneed business. Refer to Note 4 for further information.\nSee the accompanying Notes to the Consolidated Financial Statements\nF-5", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1584, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "6ad2355d-cb32-4897-a5ae-9cb72e540a9e": {"__data__": {"id_": "6ad2355d-cb32-4897-a5ae-9cb72e540a9e", "embedding": null, "metadata": {"page_label": "78", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3086eaf3-17f2-4c21-9494-e0556303253a", "node_type": "4", "metadata": {"page_label": "78", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "07b4c22517a4bb1f839094516d0371ced067494b8c666f1cf4c452436d4aa6c8", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Assurant, Inc.Consolidated Statements of Changes in Stockholders\u2019 EquityYears Ended December 31, 2023, 2022 and 2021\nPreferredStock CommonStock\nAdditionalPaid-inCapital RetainedEarnings\nAccumulatedOtherComprehensiveIncome (Loss) TreasuryStock Non-controllingInterest Total\n (in millions, except per share amounts)\nBalance, January 1, 2021 $ 2.9 $ 0.6 $ 1,956.8 $ 3,533.5 $ 709.8 $ (267.4) $ 3.4 $ 5,939.6 \nStock plan exercises \u2014 \u2014 11.8 \u2014 \u2014 \u2014 \u2014 11.8 \nStock plan compensation expense \u2014 \u2014 66.7 \u2014 \u2014 \u2014 \u2014 66.7 \nCommon stock dividends ($2.66 pershare) \u2014 \u2014 \u2014 (157.6) \u2014 \u2014 \u2014 (157.6)\nAcquisition of common stock \u2014 \u2014 (181.6) (691.2) \u2014 \u2014 \u2014 (872.8)\nNet income \u2014 \u2014 \u2014 1,361.8 \u2014 \u2014 \u2014 1,361.8 \nPreferred stock conversion (2.9) 0.1 (141.8) \u2014 \u2014 144.6 \u2014 \u2014 \nPreferred stock dividends ($1.63 pershare) \u2014 \u2014 \u2014 (4.7) \u2014 \u2014 \u2014 (4.7)\nChange in equity of non-controllinginterest \u2014 \u2014 \u2014 (0.6) \u2014 \u2014 (3.4) (4.0)\nAcquisition of non-controlling interests \u2014 \u2014 (16.9) \u2014 \u2014 \u2014 \u2014 (16.9)\nOther comprehensive loss \u2014 \u2014 \u2014 \u2014 (859.8) \u2014 \u2014 (859.8)\nBalance, December 31, 2021 $ \u2014 $ 0.7 $ 1,695.0 $ 4,041.2 $ (150.0) $ (122.8) $ \u2014 $ 5,464.1 \nStock plan exercises \u2014 \u2014 13.6 \u2014 \u2014 \u2014 \u2014 13.6 \nStock plan compensation expense \u2014 \u2014 62.6 \u2014 \u2014 \u2014 \u2014 62.6 \nCommon stock dividends ($2.74 pershare) \u2014 \u2014 \u2014 (150.2) \u2014 \u2014 \u2014 (150.2)\nAcquisition of common stock \u2014 (0.1) (133.4) (468.3) \u2014 \u2014 \u2014 (601.8)\nNet income \u2014 \u2014 \u2014 276.6 \u2014 \u2014 \u2014 276.6 \nOther comprehensive loss \u2014 \u2014 \u2014 \u2014 (836.2) \u2014 \u2014 (836.2)\nBalance, December 31, 2022 $ \u2014 $ 0.6 $ 1,637.8 $ 3,699.3 $ (986.2) $ (122.8) $ \u2014 $ 4,228.7 \nStock plan exercises \u2014 \u2014 14.9 \u2014 \u2014 \u2014 \u2014 14.9 \nStock plan compensation expense \u2014 \u2014 75.1 \u2014 \u2014 \u2014 \u2014 75.1 \nCommon stock dividends ($2.82 pershare) \u2014 \u2014 \u2014 (152.3) \u2014 \u2014 \u2014 (152.3)\nAcquisition of common stock \u2014 \u2014 (59.3) (161.3) \u2014 \u2014 \u2014 (220.6)\nNet income \u2014 \u2014 \u2014 642.5 \u2014 \u2014 \u2014 642.5 \nOther comprehensive income \u2014 \u2014 \u2014 \u2014 221.2 \u2014 \u2014 221.2 \nBalance, December 31, 2023 $ \u2014 $ 0.6 $ 1,668.5 $ 4,028.2 $ (765.0) $ (122.8) $ \u2014 $ 4,809.5 \nSee the accompanying Notes to the Consolidated Financial Statements\nF-6", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1979, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "2a64ba86-a4b5-4337-aebb-747fab350b34": {"__data__": {"id_": "2a64ba86-a4b5-4337-aebb-747fab350b34", "embedding": null, "metadata": {"page_label": "79", "file_name": "AIZ 10K - 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discontinued operations \u2014 \u2014 151.2 \nNet cash provided by operating activities 1,138.1 596.9 781.7 \nInvesting activities\nSales of:Fixed maturity securities available for sale 1,464.6 2,468.8 1,361.8 Equity securities 52.7 52.3 30.4 \nOther invested assets 90.7 144.7 141.1 Subsidiary, net of cash transferred (1) \u2014 4.8 1,315.6 Maturities, calls, prepayments, and scheduled redemption of:Fixed maturity securities available for sale 280.2 483.6 971.0 \nCommercial mortgage loans on real estate 20.4 40.5 19.8 Purchases of:Fixed maturity securities available for sale (2,146.8) (3,059.9) (3,007.7)\nEquity securities (3.4) (27.3) (57.7)Commercial mortgage loans on real estate (55.6) (80.3) (133.9)Other invested assets (49.3) (111.8) (71.6)\nProperty and equipment and other (202.5) (186.3) (187.4)Subsidiaries, net of cash transferred (2) (0.3) (72.5) (16.6)Change in short-term investments (90.8) 80.7 (65.2)\nOther 2.4 0.6 3.2 Net cash used in investing activities - discontinued operations \u2014 \u2014 (145.2)\nNet cash (used in) provided by investing activities (637.7) (262.1) 157.6 \nFinancing activitiesIssuance of debt, net of issuance costs (Note 19) 173.2 \u2014 347.2 Repayment of debt (225.0) (75.9) (419.8)\nPayment of contingent liability (2.5) \u2014 \u2014 Acquisition of common stock (193.1) (572.8) (839.3)Common stock dividends paid (152.3) (150.2) (157.6)\nPreferred stock dividends paid \u2014 \u2014 (4.7)Employee stock purchases and withholdings (4.2) (19.5) (15.6)\nNet cash used in financing activities (403.9) (818.4) (1,089.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2909, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "15fa2d98-f4e3-4808-b44d-e6ecac20abcc": {"__data__": {"id_": "15fa2d98-f4e3-4808-b44d-e6ecac20abcc", "embedding": null, "metadata": {"page_label": "79", "file_name": "AIZ 10K - 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2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "918f050e-6b28-4f52-a599-6167e1472109", "node_type": "4", "metadata": {"page_label": "80", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "0a0b2ac26ca4539424d0cd945ef777d55cd98eb405c26407b42efef5ddc1ae0b", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Cash and cash equivalents at beginning of period 1,536.7 2,054.8 2,228.6 Cash and cash equivalents at end of period 1,627.4 1,536.7 2,054.8 \nLess: Cash and cash equivalents reclassified as held for sale at end of period (3) \u2014 \u2014 14.0 \nCash and cash equivalents of continuing operations at end of period $ 1,627.4 $ 1,536.7 $ 2,040.8 \nSupplemental information:Income taxes paid $ 235.4 $ 127.7 $ 221.1 \nInterest paid on debt $ 107.4 $ 108.6 $ 109.8 \n(1) Amount for the year ended December 31, 2021 relates to the sale of the disposed Global Preneed business, net of $27.3 million of cash transferred. For additional information, refer to Note 4.(2) Amounts for the year ended December 31, 2022 primarily consist of $55.2 million in cash consideration for the acquisition of American Lease Insurance Agency Corporation (\u201cALI\u201d), net of$4.8 million of cash acquired. Refer to Note 3 for additional information.(3) Relates to John Alden Life Insurance Company, a run-off business which was classified as held for sale as of December 31, 2021 and sold on April 1, 2022.\nSee the accompanying Notes to the Consolidated Financial Statements\nF-7", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1134, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "9d3084dc-bbd5-42cb-97f9-34623df15d76": {"__data__": {"id_": "9d3084dc-bbd5-42cb-97f9-34623df15d76", "embedding": null, "metadata": {"page_label": "81", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "313e825b-e9fe-487d-9cd0-099fcf8b1b41", "node_type": "4", "metadata": {"page_label": "81", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "66889345f893b3648ec55be564b018e47a0a9a836329cdfc8480d716084aa9e4", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Assurant, Inc.Notes to the Consolidated Financial Statements(in millions except number of shares and per share amounts)\nINDEX OF NOTES\nNote Number Page Number\n1. Nature of Operations F-82. Summary of Significant Accounting Policies F-93. Acquisition F-19\n4. Disposition F-205. Allowance for Credit Losses F-206. Segment Information F-22\n7. Contract Revenues F-248. Investments F-259. Variable Interest Entities F-31\n10. Fair Value Disclosures F-3211. Premiums and Accounts Receivable F-3912. Income Taxes F-40\n13. Deferred Acquisition Costs F-4314. Property and Equipment F-4315. Goodwill F-43\n16. VOBA and Other Intangible Assets F-4517. Reserves F-4618. Reinsurance F-54\n19. Debt F-5720. Equity Transactions F-6021. Stock Based Compensation F-61\n22. Accumulated Other Comprehensive Income F-6423. Statutory Information F-6624. Retirement and Other Employee Benefits F-67\n25. Earnings Per Common Share F-7326. Restructuring and Related Impairment Charges F-7427. Commitments and Contingencies F-75\n1. Nature of Operations\nAssurant, Inc. (the \u201cCompany\u201d) is a leading global business services company that supports, protects and connects major consumer purchases. The Companysupports the advancement of the connected world by partnering with the world\u2019s leading brands to develop innovative solutions and to deliver an enhanced customerexperience. The Company operates in North America, Latin America, Europe and Asia Pacific through two operating segments: Global Lifestyle and Global Housing.Through its Global Lifestyle segment, the Company provides mobile device solutions, extended service contracts and related services for consumer electronics andappliances, and credit and other insurance products (referred to as \u201cConnected Living\u201d); and vehicle protection services, commercial equipment services and otherrelated services (referred to as \u201cGlobal Automotive\u201d). Through its Global Housing segment, the Company provides lender-placed homeowners, manufacturedhousing and flood insurance, as well as voluntary manufactured housing, condominium and homeowners insurance (referred to as \u201cHomeowners\u201d); and rentersinsurance and other products (referred to as \u201cRenters and Other\u201d).\nThe Company\u2019s common stock is traded on the New York Stock Exchange under the symbol \u201cAIZ.\u201d\nF-8", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2277, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "c1df4052-a641-4787-ac5e-67ac9f81b2f4": {"__data__": {"id_": "c1df4052-a641-4787-ac5e-67ac9f81b2f4", "embedding": null, "metadata": {"page_label": "82", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "579f563b-2056-4194-8b03-736bc8bd490f", "node_type": "4", "metadata": {"page_label": "82", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "151ad3fd780124d391fb0e0318acf5ac4db0a4037e7d0f423759a1793785af32", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "2. Summary of Significant Accounting Policies\nBasis of Presentation\nThe Consolidated Financial Statements have been prepared in accordance with accounting principles generally accepted in the United States of America(\u201cGAAP\u201d). Amounts are presented in United States of America (\u201cU.S.\u201d) Dollars and all amounts are in millions, except for number of shares, per share amounts andnumber of securities. Certain prior period amounts have been revised to reflect the realignment of the composition of its reportable segments to correspond withchanges to its operating structure effective January 1, 2023.\nPrinciples of Consolidation\nThe Consolidated Financial Statements include the accounts of the Company and its controlled subsidiaries, generally through a greater than 50% ownership ofvoting rights and voting interests. Equity investments in entities that the Company does not consolidate, but where the Company has significant influence or wherethe Company has more than a minor influence over the entity\u2019s operating and financial policies, are accounted for under the equity method. Non-controlling interestconsists of equity that is not attributable directly or indirectly to the Company. All material inter-company transactions and balances are eliminated in consolidation.In order to facilitate the Company\u2019s closing process, financial information from certain foreign subsidiaries and affiliates is reported on a one to three-month lag.\nUse of Estimates\nThe preparation of financial statements requires management to make estimates and assumptions that affect the reported amounts. The items affected by the useof estimates include but are not limited to, investments, reinsurance recoverables, premium and accounts receivables, deferred acquisition costs (\u201cDAC\u201d), value ofbusiness acquired (\u201cVOBA\u201d), deferred income taxes and associated valuation allowances, goodwill, intangible assets, future policy benefits and expenses, unearnedpremiums, claims and benefits payable, deferred gain on disposal of businesses, pension and post-retirement liabilities and commitments and contingencies. Theestimates are sensitive to market conditions, investment yields, mortality, morbidity, commissions and other acquisition expenses, policyholder behavior and otherfactors. Actual results could differ from the estimates recorded. The Company believes all amounts reported are reasonable and adequate.\nFair Value\nThe Company uses an exit price for its fair value measurements. An exit price is defined as the amount received to sell an asset or paid to transfer a liability inan orderly transaction between market participants at the measurement date. In measuring fair value, the Company gives the highest priority to unadjusted quotedprices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. See Note 10 for additional information.\nForeign Currency\nFor foreign affiliates where the local currency is the functional currency, unrealized foreign currency translation gains and losses net of deferred income taxeshave been reflected in accumulated other comprehensive income (\u201cAOCI\u201d). For Canada, Argentina, Brazil, Chile and Mexico, deferred taxes have not been providedfor unrealized currency translation gains and losses since the Company intends to indefinitely reinvest the earnings in these other jurisdictions. Transaction gains andlosses on assets and liabilities denominated in foreign currencies are recorded in underwriting, selling, general and administrative expenses in the consolidatedstatements of operations during the period in which they occur.\nManagement generally identifies highly inflationary markets as those markets whose cumulative inflation rates over a three-year period exceeds 100%, inaddition to considering other qualitative and quantitative factors. Beginning July 1, 2018, as a result of the classification of Argentina\u2019s economy as highlyinflationary, the functional currency of our Argentina subsidiaries was changed from the local currency to U.S. Dollars. The subsidiaries\u2019 non-U.S. Dollardenominated monetary assets and liabilities have been subject to remeasurement since July 1, 2018. For the years ended December 31, 2023, 2022 and 2021, theremeasurement resulted in $29.4 million, $16.7 million and $7.0 million, respectively, of net pre-tax losses which the Company classified within underwriting,selling, general and administrative expenses in the consolidated statements of operations. Based on the relative size of the subsidiaries\u2019 operations and net assetssubject to remeasurement, the Company does not anticipate the ongoing remeasurement to have a material impact on the Company\u2019s results of operations or financialcondition.\nVariable Interest Entities\nThe Company may enter into agreements with other entities that are deemed to be variable interest entities (\u201cVIEs\u201d). Entities that do not have sufficient equityat risk to allow the entity to finance its activities without additional financial support or in which the equity investors, as a group, do not have the characteristic of acontrolling financial interest are referred to as VIEs. A VIE is consolidated by the variable interest holder that is determined to have the controlling financial interest(the \u201cprimary beneficiary\u201d) as a result of having both the power to direct the activities that most significantly impact the VIE\u2019s\nF-9", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5384, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "b428f0a8-6328-4068-ac08-3f9f2f7c8bf9": {"__data__": {"id_": "b428f0a8-6328-4068-ac08-3f9f2f7c8bf9", "embedding": null, "metadata": {"page_label": "83", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "7462832e-ad3b-4495-a2b5-8011fcd2dabb", "node_type": "4", "metadata": {"page_label": "83", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "434c3d2701b46f9b0d38cc3e31884b373fc2ecca8d4eca09652c00cc18aa1827", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "bda0406f-7a5a-4f0a-ae34-311c99fbb9b7", "node_type": "1", "metadata": {}, "hash": "58ac3c01d325708c2a1b0ef70a8a844d659854e4fdb6519aecba386374768df3", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "economic performance and the obligation to absorb losses or right to receive benefits from the VIE that could potentially be significant to the VIE. The Companydetermines whether it is the primary beneficiary of an entity subject to consolidation based on a qualitative assessment of the VIE\u2019s capital structure, contractualterms, the nature of the VIE\u2019s operations and purpose and the Company\u2019s relative exposure to the related risks of the VIE on the date it becomes initially involved inthe VIE. The Company only holds non-consolidated VIEs as of December 31, 2023 and 2022.\nInvestments\nFixed maturity securities are classified as available-for-sale as defined in the investments guidance and are reported at fair value. If the fair value is higher thanthe amortized cost for fixed maturity securities, the excess is an unrealized gain; and, if lower than amortized cost, the difference is an unrealized loss. Net unrealizedgains and losses on securities classified as available-for-sale, less deferred income taxes, are included in AOCI.\nPresentation of credit-related impairments is shown as an allowance, recognizing credit impairments upon purchase of securities as applicable, and requiringreversals of previously recognized credit-related impairments when applicable.\nFor available for sale fixed maturity securities in an unrealized loss position for which the Company does not intend to sell or for which it is more likely thannot that the Company would not be required to sell before an anticipated recovery in value, the Company evaluates whether the decline in fair value has resulted fromcredit losses or other factors. In making this assessment, the Company considers the extent to which fair value is less than the amortized cost basis, changes to thecredit rating of the security by a nationally recognized statistical ratings organization and any adverse conditions specifically related to the security, industry orgeographic area, among other factors. If this assessment indicates a potential credit loss may exist, the present value of cash flows expected to be collected arecompared to the security\u2019s amortized cost basis. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit-relatedimpairment exists, and a charge to income and an associated allowance for credit losses is recorded for the credit-related impairment. Any impairment not related tocredit losses is recorded through other comprehensive income. The amount of the allowance for credit losses is limited to the amount by which fair value is less thanthe amortized cost basis. Upon recognizing a credit-related impairment, the cost basis of the security is not adjusted.\nSubsequent changes in the allowance for credit losses are recorded as provision for, or reversal of, credit loss expense. For fixed maturities where the Companyrecords a credit loss, a determination is made as to the cause of the impairment and whether the Company expects a recovery in the value. Write-offs are chargedagainst the allowance when management concludes the financial asset is uncollectible. For fixed maturities where the Company expects a recovery in value, theeffective yield method is utilized, and the investment is amortized to par.\nFor available for sale fixed maturity securities that the Company intends to sell, or for which it is more likely than not that the Company will be required to sellbefore recovery of its amortized cost basis, the entire impairment loss, or difference between the fair value and amortized cost basis of the security, is recognized innet realized gains (losses) on investments and fair value changes to equity securities. The new cost basis of the security is the previous amortized cost basis less theimpairment recognized and is not adjusted for any subsequent recoveries in fair value.\nThe Company reports receivables for accrued investment income separately from fixed maturities available for sale and elected not to measure allowances forcredit losses for accrued investment income as uncollectible balances are written off in a timely manner.\nEquity securities that have readily determinable fair values are measured at fair value with changes in fair value recognized in net realized gains (losses) oninvestments and fair value changes to equity securities on the Company\u2019s consolidated statements of operations. The Company has certain equity investments that donot have readily determinable fair values and the Company has elected the measurement alternative to carry such investments at cost, less impairment and to mark tofair value when observable prices in identical or similar investments from the same issuer occur.\nEquity securities accounted for under the measurement alternative are impaired if a qualitative assessment based upon several indicators such as earningsperformance, offers to sell or purchase, ability to continue as a going concern and macroeconomic factors indicates the equity investment is impaired and the fairvalue of the investment is less than its carrying value.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5063, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "bda0406f-7a5a-4f0a-ae34-311c99fbb9b7": {"__data__": {"id_": "bda0406f-7a5a-4f0a-ae34-311c99fbb9b7", "embedding": null, "metadata": {"page_label": "83", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "7462832e-ad3b-4495-a2b5-8011fcd2dabb", "node_type": "4", "metadata": {"page_label": "83", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "434c3d2701b46f9b0d38cc3e31884b373fc2ecca8d4eca09652c00cc18aa1827", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "b428f0a8-6328-4068-ac08-3f9f2f7c8bf9", "node_type": "1", "metadata": {"page_label": "83", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "329b605e306e70db25123de46ec4aa63266af64bad6395081a9ca434a307edfb", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "If a qualitative assessment indicates impairment, a quantitative analysis, which uses probability weightedpotential outcomes, is performed to determine the amount of the impairment to be recognized that result in a fair value measurement. Equity securities accounted forunder the measurement alternative are included within other investments in the consolidated balance sheets.\nCommercial mortgage loans on real estate are reported at unpaid principal balances, adjusted for amortization of premium or discount, less any allowance forcredit losses. The allowance for the Company\u2019s commercial mortgage loans is based on the present value of expected future cash flows discounted at the loan\u2019seffective interest rate, utilizing a probability-of-default and loss given default methodologies, which incorporate various probability weighted economic scenarios.The probability of default is estimated using macroeconomic factors as well as individual loan characteristics, including loan-to-value (\u201cLTV\u201d)\nF-10", "mimetype": "text/plain", "start_char_idx": 5064, "end_char_idx": 6067, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "7a737089-b841-4f76-a0ac-92a0143ffd12": {"__data__": {"id_": "7a737089-b841-4f76-a0ac-92a0143ffd12", "embedding": null, "metadata": {"page_label": "84", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "bbf71f2f-ba5d-4299-8bf2-8061e0cabc0a", "node_type": "4", "metadata": {"page_label": "84", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ec7edd74090f99d7df69dc2689b69c14eeb5e13d7fadcda974e93380721b2a64", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "1b59f36f-a706-458f-b1e0-dab05e8d964c", "node_type": "1", "metadata": {}, "hash": "f8f05e35936c94f4459a41319a399b813327f29f97a0eecaafe03f358080a119", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "and debt service coverage ratios (\u201cDSC\u201d), loan term, collateral type, geography and underlying credit. The loss given default is driven primarily by the type and valueof underlying collateral, and to a lesser extent by expected liquidation costs and time to recovery. Each loan is analyzed individually based on loan-specific dataelements to estimate the expected loss and then aggregated.\nThe Company places loans on nonaccrual status after 90 days of delinquent payments (unless the loans are secured and in the process of collection). A loan maybe placed on nonaccrual status before this time if information is available that suggests collection is unlikely. The Company charges off loan and accrued interestbalances that are deemed uncollectible. Charge offs are recorded to net income in the period deemed uncollectible. Refer to Note 5 for further details on theallowance for credit losses on commercial mortgage loans.\nShort-term investments include securities and other investments with durations of one year or less, but greater than three months, between the date of purchaseand maturity. These amounts are reported at cost or amortized cost, which approximates fair value.\nOther investments consist primarily of investments in joint ventures, partnerships, equity investments that do not have readily determinable fair values, investedassets associated with a modified coinsurance arrangement, invested assets associated with the Assurant Investment Plan (the \u201cAIP\u201d), the American SecurityInsurance Company Investment Plan (the \u201cASIC\u201d) and the Assurant Deferred Compensation Plan (the \u201cADC\u201d), as well as policy loans. The joint ventures andpartnerships are valued according to the equity method of accounting. In applying the equity method, the Company uses financial information provided by theinvestee, generally on a three-month lag. The invested assets related to the modified coinsurance arrangement, the AIP, the ASIC and the ADC are classified astrading securities. Policy loans are reported at unpaid principal balances, which do not exceed the cash surrender value of the underlying policies.\nRealized gains and losses on sales of investments are recognized on the specific identification basis.\nInvestment income is recorded as earned and reported net of investment expenses. The Company uses the interest method to recognize interest income on itscommercial mortgage loans.\nThe Company anticipates prepayments of principal in the calculation of the effective yield for mortgage-backed securities and structured securities. Theretrospective method is used to adjust the effective yield for the majority of the Company\u2019s mortgage-backed and structured securities. For credit-sensitive or creditimpaired structured securities, the effective yield is recalculated on a prospective basis, primarily our commercial mortgage-backed, residential mortgage-backed andasset backed securities.\nCash and Cash Equivalents\nThe Company considers all highly liquid securities and other investments with durations of three months or less between the date of purchase and maturity to becash equivalents. These amounts are carried at cost, which approximates fair value. Cash balances are reviewed at the end of each reporting period to determine ifnegative cash balances exist. If negative cash balances exist, the cash accounts are netted with other positive cash accounts of the same bank provided the right ofoffset exists between the accounts. If the right of offset does not exist, the negative cash balances are reclassified to accounts payable and other liabilities.\nRestricted cash and cash equivalents, of $35.1 million and $22.1 million at December 31, 2023 and 2022, respectively, principally related to cash depositsinvolving insurance programs with restrictions as to withdrawal and use, are classified within cash and cash equivalents in the consolidated balance sheets.\nReinsurance\nFor both ceded and assumed reinsurance, risk transfer requirements must be met for reinsurance accounting to apply. If risk transfer requirements are not met,the contract is accounted for as a deposit, resulting in the recognition of cash flows under the contract through a deposit asset or liability and not as revenue orexpense. To meet risk transfer requirements, a reinsurance contract must include both insurance risk, consisting of both underwriting and timing risk, and areasonable possibility of a significant loss for the assuming entity. Similar risk transfer criteria are used to determine whether directly written insurance contractsshould be accounted for as insurance or as a deposit.\nReinsurance recoverables include amounts related to paid benefits and estimated amounts related to unpaid policy and contract claims, future policyholderbenefits and policyholder contract deposits. The cost of reinsurance is recognized as a reduction to premiums earned over the terms of the underlying reinsuredpolicies. Amounts recoverable from reinsurers are estimated in a manner consistent with claim and claim adjustment expense reserves or future policy benefitsreserves and are reported in the consolidated balance sheets. The cost of reinsurance related to long-duration contracts is recognized over the life of the underlyingreinsured policies.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5253, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "1b59f36f-a706-458f-b1e0-dab05e8d964c": {"__data__": {"id_": "1b59f36f-a706-458f-b1e0-dab05e8d964c", "embedding": null, "metadata": {"page_label": "84", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "bbf71f2f-ba5d-4299-8bf2-8061e0cabc0a", "node_type": "4", "metadata": {"page_label": "84", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ec7edd74090f99d7df69dc2689b69c14eeb5e13d7fadcda974e93380721b2a64", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "7a737089-b841-4f76-a0ac-92a0143ffd12", "node_type": "1", "metadata": {"page_label": "84", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "1ffd73a20e410ab0e5e4026682c69b2b8244b9f8fa67263d5666da6a34c53e07", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The ceding of insurance does not discharge the Company\u2019s primary liability to insureds, thus a credit exposure exists to the extent that anyreinsurer is unable to meet the obligation assumed in the reinsurance agreements. To mitigate this exposure to reinsurer insolvencies, the Company evaluates thefinancial condition of its reinsurers\nF-11", "mimetype": "text/plain", "start_char_idx": 5254, "end_char_idx": 5596, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "33ace546-73d9-4bc6-8830-86358374a330": {"__data__": {"id_": "33ace546-73d9-4bc6-8830-86358374a330", "embedding": null, "metadata": {"page_label": "85", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a9b8b2bb-465f-4194-951e-13514c74d733", "node_type": "4", "metadata": {"page_label": "85", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "810f566541c601a4140c08fccf6f97844b232ff4cb07383fe1cb74e10e874f44", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "and typically holds collateral (in the form of funds withheld, trusts and letters of credit) as security under the reinsurance agreements.\nThe Company accounts for credit losses using the expected credit loss model for reinsurance recoverables. The Company uses a probability of default and lossgiven default methodology in estimating the allowance, whereby the credit ratings of reinsurers are used in determining the probability of default. The allowance isestablished for reinsurance recoverables on paid and unpaid future policy benefits and claims and benefits. Prior to applying default factors, the net exposure to creditrisk is reduced for any collateral for which the right of offset exists, such as funds withheld, assets held in trust and letters of credit, which are part of the reinsurancearrangements, with adjustments to include consideration of credit exposure on the collateral. The methodology used by the Company incorporates historical defaultfactors for each reinsurer based on their credit rating using comparably rated bonds as published by a major ratings service. The allowance is based upon theCompany\u2019s ongoing review of amounts outstanding, length of collection periods, changes in reinsurer credit standing and other relevant factors.\nFunds held under reinsurance represent amounts contractually held from assuming companies in accordance with reinsurance agreements, primarily fromcollateral considerations.\nReinsurance premiums assumed are calculated based upon payments received from ceding companies together with accrual estimates, which are based on bothpayments received and in force policy information received from ceding companies. Any subsequent differences arising on such estimates are recorded in the periodin which they are determined.\nPremiums and Accounts Receivable\nPremiums and accounts receivable includes insurance premiums receivable from policyholders and amounts due from sponsors or agents. The Companyaccounts for credit losses using the expected credit loss model for premiums and accounts receivable. For receivables due directly from the insured or consumer, theallowance for credit losses is generally calculated by aging the receivable balances and applying default factors based on the Company\u2019s historical collection data.For receivables due from product sponsors or agents, receivable balances are generally segregated by the sponsor or agent and an appropriate default factor isdetermined based on creditworthiness, billing terms and aging of balances. The financial exposure of a credit loss is determined net of offsets (such as relatedunearned premium reserves for consumer receivables and receivables net of commissions payable, profit share liabilities and captive reinsurance for balances duefrom sponsors/agents) prior to applying a default factor.\nDeferred Acquisition Costs\nOnly direct and incremental costs associated with the successful acquisition of new or renewal insurance contracts are deferred to the extent that such costs aredeemed recoverable from future premiums or gross profits. Acquisition costs primarily consist of commissions and premium taxes. Certain direct responseadvertising expenses are deferred when the primary purpose of the advertising is to elicit sales to customers who can be shown to have specifically responded to theadvertising and the direct response advertising results in probable future benefits.\nAll other acquisition-related costs, including those related to general advertising and solicitation, market research, agent training, product development,unsuccessful sales and underwriting efforts, as well as all indirect costs, are expensed as incurred.\nPremium deficiency testing is performed annually and generally reviewed quarterly. Such testing involves the use of assumptions including the anticipation ofinvestment income to determine if anticipated future policy premiums are adequate to recover all DAC and related claims, benefits and expenses. To the extent apremium deficiency exists, it is recognized immediately by a charge to the consolidated statement of operations and a corresponding reduction in DAC. If thepremium deficiency is greater than unamortized DAC, a loss (and related liability) is recorded for the excess deficiency.\nShort Duration Contracts\nAcquisition costs relating to extended service contracts, vehicle service contracts, mobile device protection, credit insurance, lender-placed homeownersinsurance and flood, multifamily housing and manufactured housing insurance are amortized over the term of the contracts in relation to premiums earned. Theseacquisition costs consist primarily of advance commissions paid to agents.\nProperty and Equipment\nProperty and equipment are reported at cost less accumulated depreciation. Depreciation is calculated on a straight-line basis over estimated useful lives with amaximum of 39.5 years for buildings, a maximum of seven years for furniture and a maximum of five years for equipment. Expenditures for maintenance and repairsare charged to income as incurred. Expenditures for improvements are capitalized and depreciated over the remaining useful life of the asset.\nProperty and equipment also include capitalized software costs, comprised of purchased software as well as certain internal and external costs incurred duringthe application development stage that directly relate to obtaining, developing or\nF-12", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5400, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "e19f724e-8e1e-40ab-a717-f249196d64d2": {"__data__": {"id_": "e19f724e-8e1e-40ab-a717-f249196d64d2", "embedding": null, "metadata": {"page_label": "86", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "917b178d-73de-4d35-89fe-9a633ddbbf4e", "node_type": "4", "metadata": {"page_label": "86", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ce8dca28a5f2bb44fb53ddb7fc365cc1d958616d2dfff74c2e81fcbfd5c4e93b", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "upgrading internal use software. Such costs are capitalized and amortized using the straight-line method over their estimated useful lives, not to exceed 15 years.Property and equipment are assessed for impairment when impairment indicators exist.\nGoodwill \nGoodwill represents the excess of acquisition costs over the net fair value of identifiable assets acquired and liabilities assumed in a business combination.Goodwill is deemed to have an indefinite life and is not amortized, but rather is tested at least annually for impairment. The Company performs the annual goodwillimpairment test as of October 1 each year, or more frequently if indicators of impairment exist. Such indicators include: a significant adverse change in legal factors,an adverse action or assessment by a regulator, unanticipated competition, loss of key personnel or a significant decline in the Company\u2019s expected future cash flowsdue to changes in company-specific factors or the broader business climate. The evaluation of such factors requires considerable management judgment.\nGoodwill is tested for impairment at the reporting unit level, which is either at the operating segment or one level below, if that component is a business forwhich discrete financial information is available and segment management regularly reviews such information. Components within an operating segment can beaggregated into one reporting unit if they have similar economic characteristics.\nAt the time of the annual goodwill test, the Company has the option to first assess qualitative factors to determine whether it is necessary to perform aquantitative goodwill impairment test. The Company is required to perform an additional quantitative step if it determines qualitatively that it is more likely than not(likelihood of more than 50 percent) that the fair value of a reporting unit is less than its carrying amount, including goodwill. Otherwise, no further testing isrequired. \nIf the Company determines that it is more likely than not that the reporting unit\u2019s fair value is less than the carrying value, or otherwise elects to perform thequantitative testing, the Company compares the estimated fair value of the reporting unit with its net book value. If the reporting unit\u2019s estimated fair value exceedsits net book value, goodwill is deemed not to be impaired. If the reporting unit\u2019s net book value exceeds its estimated fair value, an impairment loss will berecognized for the amount by which the reporting unit\u2019s carrying amount exceeds its fair value, not to exceed the carrying amount of goodwill in that reporting unit.Refer to Note 15 for further details on goodwill impairment testing for 2023.\nOther Intangible Assets \nIntangible assets that have finite lives are amortized over their estimated useful lives based on the pattern in which the intangible asset is consumed, which maybe other than straight-line. Estimated useful lives of finite intangible assets are required to be reassessed on at least an annual basis. For intangible assets with finitelives, impairment is recognized if the carrying amount is not recoverable and exceeds the fair value of the other intangible asset. Generally, other intangible assetswith finite lives are only tested for impairment if there are indicators of impairment (\u201ctriggers\u201d) identified. Triggers include a significant adverse change in the extent,manner or length of time in which the intangible asset is being used or a significant adverse change in legal factors or in the business climate that could affect thevalue of the other intangible asset.\nVOBA represents the value of expected future profits in unearned premium for insurance contracts acquired in an acquisition. For vehicle service contracts andextended service contracts, such as those purchased in connection with the TWG acquisition, the amount is determined using estimates, for premium earningspatterns, paid loss development patterns, expense loads and discount rates applied to cash flows that include a provision for credit risk. The amount determinedrepresents the purchase price paid to the seller for producing the business. For vehicle service contracts and extended service contracts, VOBA is amortized consistentwith the premium earning patterns of the underlying in-force contracts. VOBA is tested at least annually in the fourth quarter for recoverability.\nAmortization expense and impairment charges for other intangible assets are included in underwriting, selling, general and administrative expenses in theconsolidated statements of operations. \nOther Assets \nOther assets include prepaid items, income tax receivable, deferred income tax assets, right-of-use assets, dealer loans and inventory associated with theCompany\u2019s mobile protection business.  \nReserves \nReserves are established using generally accepted actuarial methods and reflect judgments about expected future premium and claim payments. Factors used intheir calculation include experience derived from historical claim payments, expected future premiums and actuarial assumptions. Calculations incorporateassumptions about the incidence of incurred claims, the extent to which all claims have been reported, reporting lags, expenses, inflation rates, future investmentearnings, internal claims processing costs and other relevant factors. The estimation of reserves includes an element of uncertainty given that management is usinghistorical information and methods to project future events and reserve outcomes.\nF-13", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5499, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "3bb2d482-8ccf-4b22-8c47-ae8e0c05ac29": {"__data__": {"id_": "3bb2d482-8ccf-4b22-8c47-ae8e0c05ac29", "embedding": null, "metadata": {"page_label": "87", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "1bbebd90-7e9c-47ab-ace1-7ff6cbc78645", "node_type": "4", "metadata": {"page_label": "87", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "2b6cf06b3ee79c538a4d1dd702a1054da44a62d6c23514d5cf711738e9348210", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "ae398745-ff1a-4235-a23d-5b2197a10228", "node_type": "1", "metadata": {}, "hash": "782c98c0906eecb60826dca3c60ebd8752ecc6b0ee17d57aa43f333ede244395", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The recorded reserves represent the Company\u2019s best estimate at a point in time of the ultimate costs of settlement and administration of a claim or group ofclaims based upon actuarial assumptions and projections using facts and circumstances known at the time of calculation. The adequacy of reserves may be impactedby future trends in claims severity, frequency, judicial theories of liability and other factors. These variables are affected by both external and internal events,including: changes in the economic cycle, inflation, changes in repair costs, natural or human-made catastrophes, judicial trends, legislative changes and claimshandling procedures.\nMany of these items are not directly quantifiable and not all future events can be anticipated when reserves are established. Reserve estimates are refined asexperience develops. Adjustments to reserves, both positive and negative, are reflected in the consolidated statement of operations in the period in which suchestimates are updated. Because establishment of reserves is an inherently complex process involving significant judgment and estimates, there can be no certaintythat future settlement amounts for claims incurred through the financial reporting date will not vary from reported claims reserves. Future loss development couldrequire reserves to be increased or decreased, which could have a material effect on the Company\u2019s earnings in the periods in which such increases or decreases aremade. However, based on information currently available, the Company believes its reserve estimates are adequate.\nThe following table provides reserve information as of December 31, 2023 and 2022:\n December 31, 2023 December 31, 2022\n   Claims and BenefitsPayable   Claims and BenefitsPayable\n \nFuturePolicyBenefits andExpenses UnearnedPremiums CaseReserves\nIncurredBut NotReportedReserves\nFuturePolicyBenefits andExpenses UnearnedPremiums CaseReserves\nIncurredBut NotReportedReserves\nLong Duration Contracts:\nNon-core operations (1) $ 57.7 $ \u2014 $ 1.2 $ 1.0 $ 63.5 $ 0.1 $ 1.7 $ 0.8 \nAll other disposed or runoffbusinesses (2) 429.5 1.9 \u2014 0.1 444.4 2.0 0.1 0.1 \nShort Duration Contracts:\nGlobal Lifestyle \u2014 18,536.6 132.5 472.7 \u2014 18,312.8 131.8 377.9 \nGlobal Housing \u2014 1,554.9 138.0 851.9 \u2014 1,468.7 346.7 943.1 \nNon-core operations (1) \u2014 13.9 44.0 151.8 \u2014 15.6 68.6 151.0 \nAll other disposed or runoffbusinesses (2) \u2014 3.1 88.5 107.5 \u2014 3.2 93.7 94.5 \nTotal $ 487.2 $ 20,110.4 $ 404.2 $ 1,585.0 $ 507.9 $ 19,802.4 $ 642.6 $ 1,567.4 \n(1) Includes certain businesses which the Company expects to fully exit, including the long-tail commercial liability businesses (sharing economy and small commercial businesses), certain legacy long-duration insurance policies and the Company\u2019s operations in mainland China (collectively referred to as \u201cnon-core operations\u201d), recorded in the Corporate and Other segment.\n(2) Primarily includes businesses sold through reinsurance reported in the Corporate and Other and Global Lifestyle segments.\nLong Duration Contracts \nThe Company\u2019s long duration contracts, after the sale of the disposed Global Preneed business (as defined below in Note 4) and John Alden Life InsuranceCompany, primarily comprises run-off blocks of long-term care and universal life policies.\nThe Company adopted the targeted improvements accounting guidance for long-duration insurance contracts as of January 1, 2023, using a modifiedretrospective method on liabilities for future policy benefits and expenses to January 1, 2021 for long-term care insurance contracts that have been fully reinsured.The Company also elected to not apply the amended accounting guidance to long-duration contracts of legal entities sold and derecognized before the January 1,2023 effective date as the Company has no significant continuing involvement with them.\nUnder the transition guidance, the long-term care insurance contracts are grouped into cohorts based on the contract\u2019s issue year. Premiums are recognizedwhen due as net earned premiums in the consolidated statement of operations. A future policy benefits and expenses reserve is recorded as the present value ofestimated future policy benefits and expenses less the present value of estimated future net premiums.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4230, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "ae398745-ff1a-4235-a23d-5b2197a10228": {"__data__": {"id_": "ae398745-ff1a-4235-a23d-5b2197a10228", "embedding": null, "metadata": {"page_label": "87", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "1bbebd90-7e9c-47ab-ace1-7ff6cbc78645", "node_type": "4", "metadata": {"page_label": "87", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "2b6cf06b3ee79c538a4d1dd702a1054da44a62d6c23514d5cf711738e9348210", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "3bb2d482-8ccf-4b22-8c47-ae8e0c05ac29", "node_type": "1", "metadata": {"page_label": "87", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "bb24dd3985f24e4555b90fe57b0884a5804ecd59acc770e477979e64ddb9cd1e", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The net premium ratio (\u201cNPR\u201d) approach is used to recognize aliability when expected insurance benefits are accrued over the life of the contract in proportion to premium revenue. Policy expense assumptions are locked in as ofDecember 31, 2020 as the long-term care insurance products are in run-off as of the transition date. Actual premiums and benefits are recognized on a quarterly basisin the consolidated statement of operations allocated in proportion to prior period cash flow projections at the cohort level. The updated cash flows used in thecalculation are discounted using the discount rate used in the last premium deficiency test update prior to December 31, 2020 (the \u201coriginal discount rate\u201d) andpresented as interest expense in the consolidated statement of operations. The revised NPR is used to\nF-14", "mimetype": "text/plain", "start_char_idx": 4231, "end_char_idx": 5049, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "eacc14a2-a883-4eba-830e-d3d96cc0b4fe": {"__data__": {"id_": "eacc14a2-a883-4eba-830e-d3d96cc0b4fe", "embedding": null, "metadata": {"page_label": "88", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "01d489ef-5932-40f6-82cc-4d0912a4f5b2", "node_type": "4", "metadata": {"page_label": "88", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "35543ae4acad29714908c4a2b370c3bcee7129ccac7a8b7d122c7c24c5f54e69", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "measure benefit expense based on the recognized premium revenue in the period. The difference between the updated future policy benefits and expenses reserveopening period and previous ending period due to updating the NPR is presented as a remeasurement gain or loss (e.g., a cumulative catch-up adjustment) inpolicyholder benefits in the Company\u2019s consolidated statements of operations.\nA remeasurement of the ending reporting period future policy benefits and expenses reserve is calculated using the current upper medium grade fixed-income corporate bond instrument yield as of the consolidated balance sheet ending period (the \u201ccurrent discount rate\u201d). The current discount rate used is anexternally published US corporate A index weighted average spot rate that is updated quarterly and effectively matches the duration of the expected cash flow streamsof the long-term care reserves. The difference between the ending period future policy benefits and expenses reserve measured using the original discount rate and thefuture policy benefits and expenses reserve measured using the current discount rate is recorded in AOCI in the Company\u2019s consolidated statements ofcomprehensive income.\nThe long-term care insurance contracts are fully reinsured and there is no impact to consolidated stockholders\u2019 equity or net income as the reserves are fullyreinsured. See Note 17 for additional information.\nFuture policy benefits and expense reserves for universal life insurance policies consist of policy account balances before applicable surrender charges thatare being recognized in income over the terms of the policies. Policy benefits charged to expense during the period include amounts paid in excess of policy accountbalances and interest credited to policy account balances.\nShort Duration Contracts \nThe Company\u2019s short duration contracts include products and services in the Global Lifestyle and Global Housing segments, and Assurant Employee Benefitspolicies fully covered by reinsurance and certain medical policies no longer offered. For Global Lifestyle, the main product lines include extended service contracts,vehicle services contracts, mobile device protection and credit insurance. The main product lines for Global Housing include lender-placed homeowners and flood,Multifamily Housing and manufactured housing. For short duration contracts, claims and benefits payable reserves are recorded when insured events occur. Theliability is based on the expected ultimate cost of settling the claims. The claims and benefits payable reserves include (1) case reserves for known but unpaid claimsas of the balance sheet date; (2) incurred but not reported (\u201cIBNR\u201d) reserves for claims where the insured event has occurred but has not been reported to theCompany as of the balance sheet date; and (3) loss adjustment expense reserves for the expected handling costs of settling the claims. Factors used in the calculationinclude experience derived from historical claim payments and actuarial assumptions including loss development factors and expected loss ratios.\nThe Company has exposure to asbestos, environmental and other general liability claims arising from its participation in various reinsurance pools from 1971through 1985. This exposure arose from a short duration contract that the Company discontinued writing many years ago. The Company carries case reserves forthese liabilities as recommended by the various pool managers and IBNR reserves. Estimation of these liabilities is subject to greater than normal variation anduncertainty due to the general lack of sufficiently detailed data, reporting delays and absence of a generally accepted actuarial methodology for determining theexposures. There are significant unresolved industry legal issues, including such items as whether coverage exists and what constitutes an occurrence. In addition, thedetermination of ultimate damages and the final allocation of losses to financially responsible parties are highly uncertain.\nChanges in the estimated liabilities are recorded as a charge or credit to policyholder benefits as estimates are updated. Fees paid by the National FloodInsurance Program for processing and adjudication services are reported as a reduction of underwriting, selling, general and administrative expenses.\nDebt \nThe Company reports debt net of acquisition costs, unamortized discount or premium and repurchases. Interest expense related to debt is expensed as incurred.See Note 19 for additional information.\nContingencies \nA loss contingency is recorded if reasonably estimable and probable. The Company establishes reserves for these contingencies at the best estimate, or if no oneestimated amount within the range of possible losses is more probable than any other, the Company records an estimated reserve at the low end of the estimatedrange. Contingencies affecting the Company primarily relate to legal and regulatory matters, which are inherently difficult to evaluate and are subject to significantchanges.\nF-15", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5025, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "fa36b678-6b96-4101-b099-7144696ea7b9": {"__data__": {"id_": "fa36b678-6b96-4101-b099-7144696ea7b9", "embedding": null, "metadata": {"page_label": "89", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a3620bd3-8532-46db-ac57-647f8629b485", "node_type": "4", "metadata": {"page_label": "89", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "62720be5f85af6dd80590c7158b2d5041cfc0bb78ec79cbcf0ee15d5bd00172a", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Other Liabilities\nWith respect to the deductible portion of a high deductible claim, the Company manages and pays the entire claim on behalf of the insured and is reimbursed bythe insured for the deductible portion of the claim. These recoverable amounts represent a credit exposure. The Company accounts for credit losses using theexpected credit loss model for high deductible recoverables. The Company uses a probability of default and loss given default methodology in estimating theallowance, whereby the credit ratings of insureds are used in determining the probability of default. The allowance is established for unsecured portion of the highdeductible recoverables on unpaid future policy benefits. The methodology used by the Company incorporates historical default factors for each insured based ontheir credit rating using comparably rated bonds as published by a major ratings service. The allowance is based upon the Company\u2019s ongoing review of amountsoutstanding, length of collection periods, changes in insured credit standing and other relevant factors.\nRetirement of Treasury Stock\nThe Company accounts for the retirement of repurchased shares using the par value method. This method of accounting allocates the cost of repurchased andretired shares between paid-in capital and retained earnings by comparing the price of shares repurchased to the original issue proceeds of those shares. When therepurchase price of the shares is greater than the original issue proceeds, the excess is charged to retained earnings. The Company uses an average cost method todetermine the cost of the repurchased shares to be retired.\nPremiums \nShort Duration Contracts \nThe Company\u2019s short duration contracts revenue is recognized over the contract term in proportion to the amount of insurance protection provided.\nPremiums revenue from vehicle and extended service contracts are earned over the term of the contract, which are typically between three and five years, basedon loss emergence experience. Mobile device protection and credit insurance are monthly policies and premium is earned on a monthly basis.\nPremiums for lender-placed homeowners and flood insurance, Multifamily Housing, manufactured housing, are generally earned on a pro-rata basis over theterm of the policies, which are typically over twelve months.\nReinsurance reinstatement premiums are recognized in the same period as the loss event that gave rise to the reinstatement premium and are netted against netearned premiums in the consolidated statements of operations.\nLong Duration Contracts \nPremiums for the Company\u2019s run-off blocks of long-term care insurance contracts are recognized as revenue when due from the policyholder. For universal lifeinsurance, revenues consist of charges assessed against policy balances. These premiums are ceded. \nFees and Other Income \nThe Company derives fees and other income from providing administrative services, mobile-related services and mortgage property risk management services.These fees are recognized as the services are performed. \nThe Company reports revenues related to long duration and short duration insurance contracts as premiums, including insurance contracts written by non-insurance affiliates, such as certain extended service contracts, consistent with the Company\u2019s principal business of insurance. Components of consideration paid bythe insured are generally not separated as fees and other income. However, when a component of the consideration paid by an insured both does not involve fulfillingthe insurance obligation (in that it does not involve acquisition, claims or other administrative aspects of the insurance contract) and the related service could havebeen written as a separate contract, it is reported in fees and other income.\nDealer obligor service contracts are sales in which an unaffiliated retailer/dealer is the obligor and the Company provides administrative services only. For thesecontract sales, the Company recognizes administrative fee revenue on a pro-rata basis over the terms of the service contract which correspond to the period in whichthe services are performed.\nThe unexpired portion of fee revenues are deferred and amortized over the term of the contracts. These unexpired amounts are reported in accounts payable andother liabilities on the consolidated balance sheets.\n Underwriting, Selling, General and Administrative Expenses \nUnderwriting, selling, general and administrative expenses consist primarily of commissions, premium taxes, licenses, fees, salaries and personnel benefits andother general operating expenses and are expensed as incurred. \nF-16", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4643, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "a7207d08-3de8-49a4-afa6-fe0b87c293d7": {"__data__": {"id_": "a7207d08-3de8-49a4-afa6-fe0b87c293d7", "embedding": null, "metadata": {"page_label": "90", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "2d8127a2-70c7-49ff-be82-f9c215b47a05", "node_type": "4", "metadata": {"page_label": "90", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "a4d1d8ddff2ab231bbffa3b164d7861c83665231b4886f2d1fd6774113b27353", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Income Taxes\nCurrent federal income taxes are recognized based upon amounts estimated to be payable or recoverable as a result of taxable operations for the current year.Deferred income taxes are recorded for temporary differences between the financial reporting basis and income tax basis of assets and liabilities, based on enacted taxlaws and statutory tax rates applicable to the periods in which the Company expects the temporary differences to reverse. A valuation allowance is established fordeferred tax assets when it is more likely than not that an amount will not be realized. The impact of changes in tax rates on all deferred tax assets and liabilities arerequired to be reflected within income on the enactment date, regardless of the financial statement component where the deferred tax originated.\nThe Company classifies net interest expense related to tax matters and any applicable penalties as a component of income tax expense.\nEarnings Per Common Share\nBasic earnings per common share is computed by dividing net income by the weighted average number of common shares outstanding for the period. Dilutedearnings per common share reflects the potential dilution that could occur if securities or other contracts that can be converted into common stock were exercised asof the end of the period, if dilutive. Restricted stock and restricted stock units that have non-forfeitable rights to dividends or dividend equivalents are included incalculating basic and diluted earnings per common share under the two-class method.\nComprehensive Income\nComprehensive income is comprised of net income, net unrealized gains and losses on foreign currency translation, net unrealized gains and losses on securitiesclassified as available for sale, and expenses for pension and post-retirement plans, less deferred income taxes.\nLeases \nThe Company records expenses for operating leases on a straight-line basis over the lease term. The Company recognizes assets and liabilities associated withleases on the consolidated balance sheet. The Company and its subsidiaries lease office space and equipment under operating lease arrangements for which theCompany is the lessee. Right-of-use asset, lease liabilities and deferred rent liability related to operating leases with terms in excess of 12 months are recognizedwhen the Company is the lessee.\nRecent Accounting Pronouncements\nChanges to GAAP are established by the Financial Accounting Standards Board (\u201cFASB\u201d) in the form of Accounting Standards Updates (\u201cASUs\u201d) to the FASBAccounting Standards Codification. The Company considers the applicability and impact of all ASUs. The following tables provide a description of ASUs recentlyissued by the FASB and the impact of their adoption on the Company\u2019s consolidated financial statements.\nAdopted Accounting Pronouncements\nThe table below describes the impacts of the ASUs adopted by the Company, effective January 1, 2023:\nF-17", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2936, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "58272816-5b68-4b40-9a3c-f1c320f35452": {"__data__": {"id_": "58272816-5b68-4b40-9a3c-f1c320f35452", "embedding": null, "metadata": {"page_label": "91", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "c9e594ab-c375-4b16-8439-f05eff7f723c", "node_type": "4", "metadata": {"page_label": "91", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f735ff00455c175cb184dc162de33d03adb47b439486c0b3c8c15ce27f838f0b", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Standard Summary of the Standard Effective dateMethod of Adoption Impact of the Standard on the Company\u2019sFinancial Statements\nASU 2018-12, FinancialServices\u2014Insurance(Topic 944): TargetedImprovements to theAccounting for Long-DurationContracts, asamended by ASU 2019-09, FinancialServices\u2014Insurance(Topic 944): EffectiveDate, as amended by ASU2020-11, FinancialServices\u2014Insurance(Topic 944): EffectiveDate and EarlyApplication and asamended by ASU 2022-05, Financial services\u2014Insurance (Topic 944):Transition for Sold Contracts\nThe guidance includes the following primarychanges: assumptions supporting liabilities for future policybenefits and expenses will no longer be locked-in but must be updated at leastannually with the impact of changes to the liability reflected in earnings (exceptfor discount rates); the discount rate assumptions will be based on upper-medium grade (low credit risk) fixed-income instrument yield instead of theearnings rate of invested assets; the discount rate must be evaluated at eachreporting date and the impact of changes to the liability estimate as a result ofupdating the discount rate assumption is required to be recognized in othercomprehensive income; the provision for adverse deviation is eliminated; andpremium deficiency testing is eliminated. Other noteworthy changes include thefollowing: differing models for amortizing deferred acquisition costs willbecome uniform for all long-duration contracts based on a constant rate overthe expected term of the related in-force contracts; all market risk benefitsassociated with deposit contracts must be reported at fair value with changesreflected in income except for changes related to credit risk which will berecognized in other comprehensive income: and disclosures will be expandedto include disaggregated roll forwards of the liability for future policy benefits,policyholder account balances, market risk benefits, separate accountliabilities, and deferred acquisition costs, as well as information aboutsignificant inputs, judgments, assumptions and methods used in measurement.\nIn December 2022, the FASB issued guidance to provideentities an accounting policy election to not apply theaccounting guidance to contracts or legal entities sold andderecognized before the effective date when the entity has nosignificant continuing involvement with them. The electionmay be applied on a transaction-by-transaction basis.\nJanuary 1, 2023, to be appliedretrospectively or modifiedretrospectively to January 1,2021(with early adoption permitted)\nThe Company adopted this standard as of January1, 2023 using the modified retrospective method onliabilities for future policy benefits and expenses toJanuary 1, 2021 for long-term care insurancecontracts that have been fully reinsured.\nThe Company also adopted the amended guidancein ASU 2022-05 and elected to not apply theamended accounting guidance to long durationcontracts of legal entities sold and derecognizedbefore the January 1, 2023 effective date as theCompany has no significant continuinginvolvement with them.\nThe adoption of this standard along with theamended guidance on transition has no impact onequity or net income on the long-term carecontracts as they are fully reinsured with thirdparty reinsurers. However, disclosure along with arollforward table on a gross basis on thelong-term care business is presented in Note 17.\nASU 2021-08, BusinessCombinations (Topic805): Accounting forContract Assets andContract Liabilities fromContracts with Customers\nThe guidance improves comparability after a businesscombination is reported in the acquirer\u2019s financial statements by providingconsistent recognition and measurement guidance for revenue contracts withcustomers acquired in a business combination and revenue contracts withcustomers not acquired in a business combination. Generally, the acquirer willrecognize the acquired contract assets and contract liabilities at the sameamounts recorded by the acquiree. Historically, such amounts were recognizedby the acquirer at fair value in the acquisition accounting. Under the amendedguidance, the acquirer should account for the acquired revenue contracts as ifit had originated the contracts. The amendments provide certain practicalexpedients for acquirers when recognizing and measuring acquired contractassets and contract liabilities from revenue contracts in a businesscombination.\nJanuary 1, 2023, to be appliedprospectively (with early adoptionpermitted)\nThe Company adopted this standardfrom January 1, 2023. The amendments will beapplied to business combinations occurring on orafter the effective date of the amendments.\nFuture Adoption of Accounting Pronouncements\nASUs not listed below were assessed and either determined to be not applicable or are not expected to have a material impact on the Company\u2019s consolidatedfinancial statements or disclosures. ASUs issued but not yet adopted as of December 31, 2023, that are currently being assessed and may or may not have a materialimpact on the Company\u2019s consolidated financial statements or disclosures are included.\nF-18", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5100, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "8f292c0a-d005-40b7-92f5-a31fc9617254": {"__data__": {"id_": "8f292c0a-d005-40b7-92f5-a31fc9617254", "embedding": null, "metadata": {"page_label": "92", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "664e3013-3c70-44fc-89cf-b11018d972be", "node_type": "4", "metadata": {"page_label": "92", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "03330c24381ba3d86258fa3a313a1db3f2daf5ed45cce07c13d5bb641b4fe10f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Standard Summary of the Standard Effective dateMethod of Adoption Impact of the Standard on the Company\u2019sFinancial Statements\nASU 2023-07 SegmentReporting (Topic 280):Improvements to ReportableSegment Disclosures\nThe guidance improves reportable segment disclosure requirements primarilythrough enhanced disclosures about significant segment expenses. The keydisclosure updates:\u2022 On an annual and interim basis, significant segment expenses thatare regularly provided to the chief operating decision maker(\u201cCODM\u201d) and included within each reported measure of segmentprofit or loss.\u2022 On an annual and interim basis, an amount for other segment itemsby reportable segment and a description of its composition. Theother segment items category is the difference between segmentrevenue less the significant expenses disclosed and each reportedmeasure of segment profit or loss.\u2022 All current annual disclosures about a reportable segment\u2019s profit orloss and assets currently required by Topic 280, Segment Reportingon an interim basis.\u2022 Clarify that if the CODM uses more than one measure of asegment\u2019s profit or loss in assessing segment performance anddeciding how to allocate resources, a public entity may report oneor more of those additional measures of segment profit. However, atleast one of the reported segment profit or loss measures (or thesingle reported measure, if only one is disclosed) should be themeasure that is most consistent with the measurement principlesused in measuring the corresponding amounts in the public entity\u2019sconsolidated financial statements.\u2022 Require the disclosure of the title and position of the CODM and anexplanation of how the CODM uses the reported measure(s) ofsegment profit or loss in assessing segment performance anddeciding how to allocate resources.\u2022 Require that a public entity that has a single reportable segmentprovide all the disclosures required by the amendments in the ASUand all existing segment disclosures in Topic 280.\nThe guidance is applied retrospectively to all periods presented in the financialstatements, unless it is impracticable.\nDecember 31, 2024 and for interimperiods thereafter(with early adoption permitted)\nThe Company will adopt this standard as ofDecember 31, 2024. The amended guidance has noimpact to the Company\u2019s consolidated financialstatements and will impact the Company\u2019s segmentinformation disclosures.\nASU 2023-09 Income Taxes(Topic 740): Improvements toIncome Tax Disclosures\nThe guidance improves the transparency of income tax disclosures by requiring(1) consistent categories and greater disaggregation of information in the ratereconciliation and (2) income taxes paid disaggregated by jurisdiction. It alsoincludes certain other amendments to improve the effectiveness of income taxdisclosures.\nJanuary 1, 2024 (with early adoptionpermitted for annual financialstatements that have not yet beenissued or made available for issuance).\nThe Company is assessing when the standard willbe adopted. The amended guidance has no impactto the Company\u2019s consolidated financial statementsand will have an insignificant impact on theCompany\u2019s income taxes disclosures.\n3. Acquisition\nALI\nOn November 1, 2022, the Company acquired American Lease Insurance Agency Corporation (\u201cALI\u201d), a managing general agency headquartered in theCommonwealth of Massachusetts, and its captive subsidiary, The Equipment Lease Reinsurance Company Ltd, licensed in Turks and Caicos, for total considerationof $60.0 million in cash. ALI is a provider of property and liability insurance products for commercial equipment and vehicles that are leased or financed. TheCompany recorded $37.4 million of goodwill, $19.2 million of other intangible assets, which are primarily dealer relationships amortizable over 10 years, and$1.9 million of VOBA, which is amortizable over 5 years based on the earnings pattern.\nF-19", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3874, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "224e2de5-5411-4f15-a62e-5b15ca03017e": {"__data__": {"id_": "224e2de5-5411-4f15-a62e-5b15ca03017e", "embedding": null, "metadata": {"page_label": "93", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "58f68dee-b571-469a-875c-5b86e9a17353", "node_type": "4", "metadata": {"page_label": "93", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "fc1af02b1d6d9c3e556b5216ea89e9042e9dadebd8e37fd87c574acc0622be85", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "4. Disposition\nSale of Global Preneed\nOn August 2, 2021, the Company completed its sale of the legal entities which comprise the businesses previously reported as the Global Preneed segment andcertain businesses previously disposed of through reinsurance, which were previously reported in the Corporate and Other segment (collectively, the \u201cdisposedGlobal Preneed business\u201d), to subsidiaries of CUNA Mutual Group (\u201cCUNA\u201d) for an aggregate purchase price at closing of $1.34 billion in cash. The aggregatepurchase price was comprised of a base purchase price of $1.25 billion, adjusted for (i) the amount of Leakage (as defined in the Equity Purchase Agreement, datedas of March 8, 2021, by and among the Company, Interfinancial Inc., CMFG Life Insurance Company and TruStage Global Holdings, ULC (the \u201cEquity PurchaseAgreement\u201d)) paid by the disposed Global Preneed business after December 31, 2020 and at or prior to the closing of the transaction, (ii) the amount of anyTransaction Related Expenses (as defined in the Equity Purchase Agreement) paid by the disposed Global Preneed business after the closing of the transaction, (iii)the difference between the book value of certain assets in the disposed Global Preneed business\u2019s investment portfolio as of December 31, 2020 and the value of cashpaid in substitution for the fair market value of such assets by the Company and (iv) the accrual of interest on the base purchase price, as adjusted pursuant to clauses(i) to (iii), at a rate of 6% per annum during the period beginning on January 1, 2021 and ending on the date immediately prior to the date of the closing of thetransaction. The net proceeds, which is comprised of the aggregate purchase price less $37.6 million of costs to sell, were $1.31 billion. The net after-tax gain on thesale for the year ended December 31, 2021 was $720.1 million, including $606.0 million of net after-tax gains recognized from accumulated other comprehensiveincome.\nThe following table summarizes the components of net income from discontinued operations included in the consolidated statements of operations:\nYear Ended December 31,2021\nRevenuesNet earned premiums $ 42.6 \nFees and other income 91.0 Net investment income 168.4 Net realized gains on investments and fair value changes to equity securities 4.2 \nGain on disposal of businesses (1) 916.2 \nTotal revenues 1,222.4 \nBenefits, losses and expenses\nPolicyholder benefits 172.7 Underwriting, selling, general and administrative expenses 85.2 \nTotal benefits, losses and expenses 257.9 \nIncome from discontinued operations before income taxes 964.5 \nProvision for income taxes (2) 205.6 \nNet income from discontinued operations $ 758.9 \n(1) Includes $774.2 million of pre-tax AOCI, primarily net unrealized gains on investments, that was recognized in earnings upon sale.(2) Includes $168.2 million of tax on the AOCI that was recognized in earnings upon sale, as noted above.\n5. Allowance for Credit Losses\nThe total allowance for credit losses for the financial assets was $26.8 million and $28.4 million as of December 31, 2023 and 2022, respectively.\nF-20", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3113, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "5f8e6f81-c32c-466e-8ccf-f20505f278df": {"__data__": {"id_": "5f8e6f81-c32c-466e-8ccf-f20505f278df", "embedding": null, "metadata": {"page_label": "94", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "19f76365-131e-46bc-a4da-32bfe9a1fc14", "node_type": "4", "metadata": {"page_label": "94", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b203f791b45ce54aef6c2d6a4d18216864883b9e78f279f14e479e86bbccf14e", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The following table presents the net increases (decreases) to the allowance for credit losses as classified in the consolidated statements of operations for theperiods indicated:\nFor the Years Ended December 31,\n2023 2022\nCommercial mortgage loans on real estate $ 2.2 $ 0.7 \nNet realized gains (losses) on investments and fair value changes to equity securities 2.2 0.7 \nUnderwriting, selling, general and administrative expenses 0.9 12.7 \nNet increase (decrease) in allowance for credit losses $ 3.1 $ 13.4 \nReinsurance Recoverables\nAs part of the Company\u2019s overall risk and capacity management strategy, reinsurance is used to mitigate certain risks underwritten by various businesssegments. The Company is exposed to the credit risk of reinsurers, as the Company remains liable to insureds regardless of whether related reinsurance recoverablesare collected. As of December 31, 2023 and 2022, reinsurance recoverables totaled $6.65 billion and $7.00 billion, respectively, the majority of which are protectedfrom credit risk by various types of collateral or other risk mitigation mechanisms, such as trusts, letters of credit or by withholding the assets in a modifiedcoinsurance or funds withheld arrangement.\nThe Company utilizes external credit ratings published by S&P Global Ratings, a division of S&P Global Inc., at the balance sheet date when determining theallowance. Where rates are not available, the Company assigns default credit ratings based on if the reinsurer is authorized or unauthorized. Of the total recoverablessubject to the allowance, 82% were rated A- or better, 1% were rated BBB or BB and 17% were not rated based on the Company\u2019s analysis and assigned ratings forthe year ended December 31, 2023; and 77% were rated A- or better, 3% were rated BBB or BB, and 20% were not rated based on the Company\u2019s analysis andassigned ratings for the year ended December 31, 2022.\nThe following table presents the changes in the allowance for credit losses by portfolio segment for reinsurance recoverables for the periods indicated:\nGlobal Lifestyle Global Housing Corporateand Other Total\nBalance, December 31, 2021 $ 3.6 $ 0.9 $ 0.5 $ 5.0 Current period change for credit losses \u2014 0.2 0.2 0.4 \nBalance, December 31, 2022 3.6 1.1 0.7 5.4 \nCurrent period change for credit losses (0.3) \u2014 (0.3) (0.6)\nBalance, December 31, 2023 $ 3.3 $ 1.1 $ 0.4 $ 4.8 \nFor the years ended December 31, 2023 and 2022, the current period change for credit losses was $(0.6) million and $0.4 million, respectively. The decrease in2023 was primarily due to an increase in collateral held as security under the reinsurance agreements and a reduction in ceded reserves for unsecured reinsurers underthe reinsurance agreements. When determining the allowance as of December 31, 2023 and 2022, the Company did not increase default probabilities by reinsurersince there had been no credit rating downgrades or major negative credit indications of the Company\u2019s reinsurers that has impacted rating. The allowance may beincreased and income reduced in future periods if there are future ratings downgrades or other measurable information supporting an increase in reinsurer defaultprobabilities, including collateral reductions.\nPremium and Accounts Receivables\nThe Company is exposed to credit risk from premiums and other accounts receivables. For premiums receivable, the exposure to loss upon a default is oftenmitigated by the ability to terminate the policy on default and offset the corresponding unearned premium liability. The Company has other mitigating offsets fromamounts payable on commissions and profit share arrangements when the counterparty to the receivable is a sponsor/agent of the Company\u2019s insurance product.\nF-21", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3730, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "ef391dd5-d95b-4c43-8c9c-883df7dbec28": {"__data__": {"id_": "ef391dd5-d95b-4c43-8c9c-883df7dbec28", "embedding": null, "metadata": {"page_label": "95", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "6ada3be8-c0b0-41c5-a8f7-67a4503633e0", "node_type": "4", "metadata": {"page_label": "95", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "8a6f5f5839ec17ab4049179e2f664f5a478e8efb9e8872e3fb56697a52b5c51d", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The following table presents the changes in the allowance for credit losses by portfolio segment for premium and accounts receivables for the periods indicated:\nGlobal Lifestyle Global Housing Corporateand Other Total\nBalance, December 31, 2021 $ 6.9 $ 2.4 $ 0.1 $ 9.4 Current period change for credit losses (0.2) 0.1 2.1 2.0 \nWrite-offs (0.7) (0.3) (1.0) (2.0)\nForeign currency translation (0.2) \u2014 \u2014 (0.2)\nBalance, December 31, 2022 5.8 2.2 1.2 9.2 \nCurrent period change for credit losses 2.3 1.1 0.4 3.8 Recoveries (0.3) \u2014 \u2014 (0.3)\nWrite-offs (1.5) (0.9) (1.2) (3.6)\nForeign currency translation (0.1) \u2014 \u2014 (0.1)\nBalance, December 31, 2023 $ 6.2 $ 2.4 $ 0.4 $ 9.0 \nFor the year ended December 31, 2023, the current period change for credit losses was $3.8 million, primarily due to an increase in Global Lifestyle acrossvarious products. For the year ended December 31, 2022, the current period change for credit losses was $2.0 million, primarily due to an increase for sharingeconomy in Corporate and Other. There is a risk that income may be reduced in future periods for additional credit losses.\nCommercial Mortgage Loans\nFor the years ended December 31, 2023 and 2022, the current period change for credit losses was $2.2 million and $0.7 million, respectively. The increase in2023 was primarily driven by changes in certain key credit quality indicators. Refer to Notes 2 and 8 for additional information on commercial mortgage loans.\nAvailable for Sale Securities\nThere was no allowance for credit losses as of December 31, 2023 and 2022. Refer to Notes 2 and 8 for additional information on available for sale securities.\nHigh Deductible Recoverables\nFor the year ended December 31, 2023, the Company reduced its allowance for credit losses for the unsecured portion of the high deductible recoverables by$2.0 million to $8.3 million as of December 31, 2023, due to the ongoing run-off of the sharing economy business. Refer to Note 2 for additional information on highdeductible recoverables.\n6. Segment Information\nAs of December 31, 2023, the Company had two reportable operating segments: Global Lifestyle and Global Housing. In addition, the Company reports theCorporate and Other segment, which includes corporate employee-related expenses and activities of the holding company. The Company defines Adjusted EBITDA,the segment measure of profitability, as net income from continuing operations, excluding net realized gains (losses) on investments and fair value changes to equitysecurities, non-core operations (defined below), restructuring costs related to strategic exit activities (outside of normal periodic restructuring and cost managementactivities), Assurant Health runoff operations (described below), interest expense, provision (benefit) for income taxes, depreciation expense, amortization ofpurchased intangible assets, as well as other highly variable or unusual items.\nEffective January 1, 2023, the Company realigned the composition of its reportable operating segments to correspond with changes to its operating structure. Asa result, the Global Housing segment is now comprised of two key lines of business: Homeowners, and Renters and Other. Certain specialty products, mainly thecommercial equipment business, previously reported in the Global Housing segment are now reported in Global Lifestyle to better align with the Company\u2019s go-to-market strategy. This realignment had no impact on the Company\u2019s consolidated results.\nF-22", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3469, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "e98e8d91-5729-409c-9547-f47d08365eff": {"__data__": {"id_": "e98e8d91-5729-409c-9547-f47d08365eff", "embedding": null, "metadata": {"page_label": "96", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "2e63ecb4-2521-442e-9372-ac1393cd9793", "node_type": "4", "metadata": {"page_label": "96", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "4bc2ccbc9ebf4c4eacdb68f650e8ef2704cb63d6159b81893697901a6289389a", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The following table presents segment Adjusted EBITDA with a reconciliation to net income attributable to common shareholders:\n Years Ended December 31,\n 2023 2022 2021\nAdjusted EBITDA by segment:\nGlobal Lifestyle $ 792.3 $ 809.4 $ 737.6 Global Housing 574.2 246.0 321.6 Corporate and Other (109.0) (99.2) (93.3)\nReconciling items to consolidated net income from continuing operations:Interest expense (108.0) (108.3) (111.8)Depreciation expense (109.3) (86.3) (73.8)\nAmortization of purchased intangible assets (77.9) (69.7) (65.8)Net realized losses on investments and fair value changes to equity securities (68.7) (179.7) 128.2 Non-core operations (1) (50.4) (79.5) (14.4)\nRestructuring costs (34.3) (53.1) (11.8)Assurant Health runoff operations (2) 6.9 (0.6) 0.6 Other adjustments (9.0) (29.1) (45.8)\nTotal reconciling items (450.7) (606.3) (194.6)\nIncome from continuing operations before income tax expense 806.8 349.9 771.3 Income tax expense 164.3 73.3 168.4 \nNet income from continuing operations 642.5 276.6 602.9 Net income from discontinued operations \u2014 \u2014 758.9 \nNet income 642.5 276.6 1,361.8 Less: Preferred stock dividends \u2014 \u2014 (4.7)\nNet income attributable to common stockholders $ 642.5 $ 276.6 $ 1,357.1 \n(1) Consists of certain businesses which the Company has fully exited or expects to fully exit, including the long-tail commercial liability businesses (sharing economy and small commercial businesses),certain legacy long-duration insurance policies and the Company\u2019s operations in mainland China (not Hong Kong) (collectively referred to as \u201cnon-core operations\u201d). The non-core operations do notqualify as held for sale or discontinued operations under GAAP accounting guidance and are presented as a reconciling item to consolidated net income. Includes goodwill impairment of $7.8 millionfor the year ended December 31, 2022. Refer to Note 15 for additional information.(2) In first quarter 2023, the Company recorded income of $7.5 million related to a payment it received from Time Insurance Company (\u201cTIC\u201d) pursuant to a participation agreement that the Company hadwith TIC in connection with its sale by the Company in 2018. The payment related to the Company\u2019s prior participation in the risk adjustment program introduced by the Patient Protection andAffordable Care Act of 2010.\nThe Company principally operates in the U.S., as well as Europe, Latin America, Canada and Asia Pacific. The following table summarizes selected financialinformation by geographic location for the years ended or as of December 31, 2023, 2022 and 2021:\nLocation Revenues Long-livedAssets\n2023\nUnited States $ 9,295.7 $ 654.6 Foreign countries 1,835.9 31.2 \nTotal $ 11,131.6 $ 685.8 \n2022United States $ 8,386.6 $ 606.0 \nForeign countries 1,806.4 39.1 \nTotal $ 10,193.0 $ 645.1 \n2021United States $ 8,323.9 $ 530.8 Foreign countries 1,863.7 30.6 \nTotal $ 10,187.6 $ 561.4 \n \nF-23", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2889, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "254f1e3b-4619-42c1-b12e-06ce2f99ff8f": {"__data__": {"id_": "254f1e3b-4619-42c1-b12e-06ce2f99ff8f", "embedding": null, "metadata": {"page_label": "97", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "7c510814-5001-4f62-9841-345046ab3a4d", "node_type": "4", "metadata": {"page_label": "97", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "a7257cc3216f9be47ad942f92c4d66bdd7ca257ecd4269e22045d550aac15041", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Revenue is based in the country where the product was sold and the physical location of long-lived assets, which are primarily property and equipment.\nThe Company\u2019s net earned premiums, fees and other income by segment and product are as follows:\nYears Ended December 31,\n2023 2022 2021\nGlobal Lifestyle:\nConnected Living $ 4,376.8 $ 4,259.4 $ 4,321.6 Global Automotive 4,184.6 3,802.5 3,504.5 \nTotal $ 8,561.4 $ 8,061.9 $ 7,826.1 \nGlobal Housing:Homeowners $ 1,663.4 $ 1,402.2 $ 1,373.2 Renters and Other 479.5 482.4 482.2 \nTotal $ 2,142.9 $ 1,884.6 $ 1,855.4 \nThe following table presents total assets by segment:\nDecember 31, 2023 December 31, 2022\nGlobal Lifestyle (1) $ 27,642.9 $ 27,404.1 Global Housing (1) 4,274.5 4,382.6 \nCorporate and Other 1,717.8 1,330.6 \nSegment assets $ 33,635.2 $ 33,117.3 \n(1) Segment assets for Global Lifestyle and Global Housing do not include net unrealized gains (losses) on securities attributable to those segments, which are all included within Corporate and Other.(2) Includes the assets for non-core operations of $227.0 million and $416.6 million as of December 31, 2023 and 2022, respectively.\n7. Contract Revenues\nThe Company partners with clients to provide consumers with a diverse range of protection products and services. The Company\u2019s revenues from protectionproducts are accounted for as insurance contracts and are recognized over the term of the insurance protection provided. Revenues from service contracts and sales ofproducts are recognized as the contractual performance obligations are satisfied or the products are delivered. Revenue is measured as the amount of considerationthe Company expects to be entitled to in exchange for performing the services or transferring products. If payments are received before the related revenue isrecognized, the amount is recorded as unearned revenue or advance payment liabilities, until the performance obligations are satisfied or the products are transferred.\nThe disaggregated revenues from service contracts included in fees and other income on the consolidated statements of operations are $1.16 billion,$1.09 billion and $1.01 billion for Global Lifestyle and $84.3 million, $82.9 million and $94.3 million for Global Housing for the years ended December 31, 2023,2022 and 2021, respectively.\nGlobal Lifestyle\nIn the Global Lifestyle segment, revenues from service contracts and sales of products are primarily from the Company\u2019s Connected Living business. Throughpartnerships with mobile service providers, the Company provides administrative services related to its mobile device protection products, including program designand marketing strategy, risk management, data analytics, customer support and claims handling, supply chain and service delivery, repair and logistics, and devicedisposition. Administrative fees are generally billed monthly based on the volume of services provided during the billing period (for example, based on the number ofmobile subscribers) with payment due within a short-term period. Each service or bundle of services, depending on the contract, is an individual performanceobligation with a standalone selling price. The Company recognizes revenue as it invoices, which corresponds to the value transferred to the customer.\nThe Company also repairs, refurbishes and then sells mobile and other electronic devices, on behalf of its client, for a bundled per unit fee. The entireprocessing of the device is considered one performance obligation with a standalone selling price and thus, the per unit fee is recognized when the products are sold.Payments are generally due prior to shipment or within a short-term period.\nF-24", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3668, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "8fe6ba2a-d5bd-4d4f-8d00-2c077f490889": {"__data__": {"id_": "8fe6ba2a-d5bd-4d4f-8d00-2c077f490889", "embedding": null, "metadata": {"page_label": "98", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "6532916c-e1cd-497b-a538-53770f3d996b", "node_type": "4", "metadata": {"page_label": "98", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "af5135e40402143852d45c2647b54c80633ba50af9175dbff77cb1e35d5e9843", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Global Housing\nIn the Global Housing segment, revenues from service contracts and sales of products are primarily from the Homeowners business. As part of the Homeownersbusiness, the Company provides loan and claim payment tracking services for lenders. The Company generally invoices its customers weekly or monthly based onthe volume of services provided during the billing period with payment due within a short-term period. Each service is an individual performance obligation with astandalone selling price. The Company recognizes revenue as it invoices, which corresponds to the value transferred to the customer.\nContract Balances\nThe receivables and unearned revenue under these contracts were $218.9 million and $155.4 million, respectively, as of December 31, 2023, and $271.7 millionand $171.1 million, respectively, as of December 31, 2022. These balances are included in premiums and accounts receivable and the accounts payable and otherliabilities, respectively, in the consolidated balance sheets. Revenue from service contracts and sales of products recognized during the years ended December 31,2023 and 2022 that was included in unearned revenue as of December 31, 2022 and 2021 were $76.6 million and $93.6 million, respectively.\nIn certain circumstances, the Company defers upfront commissions and other costs in connection with client contracts in excess of one year where the Companycan demonstrate future economic benefit. For these contracts, expense is recognized as revenues are earned. The Company periodically assesses recoverability basedon the performance of the related contracts. As of December 31, 2023 and 2022, the Company had approximately $47.2 million and $61.4 million, respectively, ofsuch intangible assets that will be expensed over the term of the client contracts.\n8. Investments\nThe following tables show the cost or amortized cost, allowance for credit losses, gross unrealized gains and losses, and fair value of the Company\u2019s fixedmaturity securities as of the dates indicated:\n December 31, 2023\n \nCost orAmortizedCost Allowance for CreditLosses\nGrossUnrealizedGains\nGrossUnrealizedLosses Fair Value\nFixed maturity securities:U.S. government and government agencies andauthorities $ 68.9 $ \u2014 $ 0.7 $ (4.4) $ 65.2 States, municipalities and political subdivisions 159.2 \u2014 1.2 (11.2) 149.2 Foreign governments 483.1 \u2014 9.4 (12.7) 479.8 \nAsset-backed 891.4 \u2014 5.2 (22.8) 873.8 Commercial mortgage-backed 383.1 \u2014 0.4 (53.3) 330.2 Residential mortgage-backed 534.7 \u2014 1.9 (50.6) 486.0 \nU.S. corporate 3,300.5 \u2014 45.3 (215.4) 3,130.4 Foreign corporate 1,471.5 \u2014 17.6 (91.6) 1,397.5 \nTotal fixed maturity securities $ 7,292.4 $ \u2014 $ 81.7 $ (462.0) $ 6,912.1 \n \nF-25", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2703, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "da4af505-f9b2-4c88-8d5a-c85225a6f03b": {"__data__": {"id_": "da4af505-f9b2-4c88-8d5a-c85225a6f03b", "embedding": null, "metadata": {"page_label": "99", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "12f50404-6d4c-475c-b99d-360d5aa3947a", "node_type": "4", "metadata": {"page_label": "99", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "6d5db8bfce99cc6df3b3800d989870b0e1c1db0c6ba4d96a28e215e235ae840c", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "December 31, 2022\n \nCost orAmortizedCost Allowances for CreditLosses\nGrossUnrealizedGains\nGrossUnrealizedLosses Fair Value\nFixed maturity securities:U.S. government and government agencies andauthorities $ 92.9 $ \u2014 $ 0.2 $ (6.7) $ 86.4 States, municipalities and political subdivisions 152.4 \u2014 1.1 (16.0) 137.5 Foreign governments 416.2 \u2014 0.6 (20.5) 396.3 \nAsset-backed 735.1 \u2014 1.4 (40.2) 696.3 Commercial mortgage-backed 458.6 \u2014 0.2 (56.5) 402.3 Residential mortgage-backed 492.7 \u2014 0.4 (55.1) 438.0 \nU.S. corporate 3,265.1 \u2014 13.9 (317.9) 2,961.1 Foreign corporate 1,307.8 \u2014 3.4 (145.4) 1,165.8 \nTotal fixed maturity securities $ 6,920.8 $ \u2014 $ 21.2 $ (658.3) $ 6,283.7 \nThe cost or amortized cost and fair value of fixed maturity securities as of December 31, 2023 by contractual maturity are shown below. Actual maturities maydiffer from contractual maturities because issuers of the securities may have the right to call or prepay obligations with or without call or prepayment penalties. \nDecember 31, 2023\nCost orAmortizedCost Fair Value\nDue in one year or less $ 157.9 $ 158.1 Due after one year through five years 1,488.6 1,451.7 \nDue after five years through ten years 2,766.8 2,668.1 Due after ten years 1,069.9 944.2 \nTotal 5,483.2 5,222.1 Asset-backed 891.4 873.8 Commercial mortgage-backed 383.1 330.2 \nResidential mortgage-backed 534.7 486.0 \nTotal $ 7,292.4 $ 6,912.1 \nThe following table shows the major categories of net investment income for the periods indicated:\n Years Ended December 31,\n 2023 2022 2021\nFixed maturity securities $ 335.3 $ 270.0 $ 232.8 Equity securities 15.2 15.0 14.9 \nCommercial mortgage loans on real estate 17.5 14.9 8.9 Short-term investments 12.9 4.7 2.1 Other investments 39.1 48.6 61.0 \nCash and cash equivalents 85.7 25.7 8.5 \nTotal investment income 505.7 378.9 328.2 \nInvestment expenses (16.6) (14.8) (13.8)\nNet investment income $ 489.1 $ 364.1 $ 314.4 \nNo material investments of the Company were non-income producing for the years ended December 31, 2023, 2022 and 2021.\nF-26", "mimetype": "text/plain", "start_char_idx": 1, "end_char_idx": 2028, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "48404bd6-c837-4ae3-a922-0915b1805a50": {"__data__": {"id_": "48404bd6-c837-4ae3-a922-0915b1805a50", "embedding": null, "metadata": {"page_label": "100", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "0eea871a-4425-4a27-b196-83c3db4e5798", "node_type": "4", "metadata": {"page_label": "100", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "c5b03b5642a0aac0a8b59a27979f678b32bcc3be7bd17b8dddb61f3bc38e33d0", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The following table summarizes the proceeds from sales of available-for-sale fixed maturity securities and the gross realized gains and gross realized losses thathave been recognized in the statement of operations as a result of those sales for the periods indicated:\n Years Ended December 31,\n 2023 2022 2021\nFixed maturity securities:Proceeds from sales $ 1,464.6 $ 2,468.8 $ 1,361.8 \nGross realized gains $ 5.6 $ 9.4 $ 31.9 Gross realized losses (49.3) (73.2) (14.8)\nNet realized (losses) gains on investments from sales of fixed maturity securities $ (43.7) $ (63.8) $ 17.1 \nFor securities sold at a loss during the year ended December 31, 2023, the average period of time these securities were trading continuously at a price belowbook value was approximately 12 months. \nThe following table sets forth the net realized gains (losses) on investments and fair value changes to equity securities, including impairments, recognized inthe statement of operations for the periods indicated:\n Years Ended December 31,\n 2023 2022 2021\nNet realized (losses) gains on investments and fair value changes to equity securities related tosales and other:Fixed maturity securities $ (43.3) $ (63.7) $ 17.2 Equity securities (1) (2) (7.2) (112.2) 108.3 \nCommercial mortgage loans on real estate (2.2) (0.7) 0.5 Other investments 1.0 1.5 2.0 \nTotal net realized (losses) gains on investments and fair value changes to equity securitiesrelated to sales and other (51.7) (175.1) 128.0 Net realized (losses) gains related to impairments:\nFixed maturity securities (3) (4.1) (1.6) 1.2 Other investments (1) (12.9) (3.0) (1.0)\nTotal net realized (losses) gains related to impairments (17.0) (4.6) 0.2 \nTotal net realized (losses) gains on investments and fair value changes to equitysecurities $ (68.7) $ (179.7) $ 128.2 \n(1) Upward adjustments of $0.6 million, $19.5 million and $24.3 million and impairments of $12.9 million, $3.0 million, and $1.0 million were realized on equity investments accounted for under themeasurement alternative for the years ended December 31, 2023, 2022 and 2021, respectively.(2) The years ended December 31, 2023, 2022 and 2021 included $6.6 million, $92.5 million in realized and unrealized losses and $85.4 million of unrealized gains, respectively, from four equitypositions that went public during 2021. The total fair value of these equity securities as of December 31, 2023, 2022 and 2021 was $2.9 million, $9.6 million and $133.7 million, respectively, includedin equity securities in the consolidated balance sheet.(3) The year ended December 31, 2021 reflects the elimination of $1.2 million allowance for credit losses due to the sale of the specific securities for which the reserve was established in 2020.\nF-27", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2741, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "138f15fa-3994-4ba8-a2ba-9087ec747a3f": {"__data__": {"id_": "138f15fa-3994-4ba8-a2ba-9087ec747a3f", "embedding": null, "metadata": {"page_label": "101", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a81a34d1-0841-4d9a-a047-10dd1cf0d611", "node_type": "4", "metadata": {"page_label": "101", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "873e0a0fdcd7ee4cfb30623ea8ff0d046d10c225c876dd5d913728edc2b424d6", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The following table sets forth the portion of fair value changes to equity securities held for the periods indicated:\nYears Ended December 31,\n2023 2022 2021\nNet (losses) gains recognized on equity securities $ (7.2) $ (112.2) $ 108.3 \nLess: Net realized (losses) gains related to sales of equity securities (6.6) 20.5 (4.1)\nTotal fair value changes to equity securities held $ (0.6) $ (132.7) $ 112.4 \nEquity investments accounted for under the measurement alternative are included within other investments on the consolidated balance sheets. The followingtable summarizes information related to these investments:\nDecember 31, 2023 December 31, 2022\nInitial cost $ 86.8 $ 81.7 \nCumulative upward adjustments 51.1 50.8 \nCumulative downward adjustments (including impairments) (17.9) (5.0)\nCarrying value $ 120.0 $ 127.5 \nThe investment category and duration of the Company\u2019s gross unrealized losses on fixed maturity securities, as of December 31, 2023 and 2022 were asfollows:\n December 31, 2023\n Less than 12 months 12 Months or More Total\n Fair Value UnrealizedLosses FairValue UnrealizedLosses Fair Value UnrealizedLosses\nFixed maturity securities:U.S. government and government agencies andauthorities $ 5.2 $ (0.1) $ 43.7 $ (4.3) $ 48.9 $ (4.4)\nStates, municipalities and political subdivisions 3.9 (0.1) 96.5 (11.1) 100.4 (11.2)Foreign governments 42.5 (0.5) 203.5 (12.2) 246.0 (12.7)Asset-backed 64.0 (3.0) 404.7 (19.8) 468.7 (22.8)Commercial mortgage-backed 66.3 (8.4) 244.2 (44.9) 310.5 (53.3)\nResidential mortgage-backed 98.8 (3.5) 285.1 (47.1) 383.9 (50.6)U.S. corporate 331.9 (14.7) 1,596.4 (200.7) 1,928.3 (215.4)Foreign corporate 153.9 (5.6) 744.8 (86.0) 898.7 (91.6)\nTotal fixed maturity securities $ 766.5 $ (35.9) $ 3,618.9 $ (426.1) $ 4,385.4 $ (462.0)\n December 31, 2022\n Less than 12 months 12 Months or More Total\n Fair Value UnrealizedLosses FairValue UnrealizedLosses Fair Value UnrealizedLosses\nFixed maturity securities:U.S. government and government agencies andauthorities $ 58.5 $ (2.9) $ 24.6 $ (3.8) $ 83.1 $ (6.7)States, municipalities and political subdivisions 77.4 (7.8) 34.5 (8.2) 111.9 (16.0)Foreign governments 268.5 (12.1) 92.7 (8.4) 361.2 (20.5)\nAsset-backed 378.2 (22.0) 218.5 (18.2) 596.7 (40.2)Commercial mortgage-backed 290.7 (33.2) 109.3 (23.3) 400.0 (56.5)Residential mortgage-backed 371.3 (31.7) 58.6 (23.4) 429.9 (55.1)\nU.S. corporate 2,266.6 (206.3) 370.3 (111.6) 2,636.9 (317.9)Foreign corporate 843.9 (79.0) 251.8 (66.4) 1,095.7 (145.4)\nTotal fixed maturity securities $ 4,555.1 $ (395.0) $ 1,160.3 $ (263.3) $ 5,715.4 $ (658.3)\nF-28", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2585, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "610b84bb-9c27-49f1-8049-b6320bc8d108": {"__data__": {"id_": "610b84bb-9c27-49f1-8049-b6320bc8d108", "embedding": null, "metadata": {"page_label": "102", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "62dceee1-8223-4bd6-a504-738d4a9cf2b6", "node_type": "4", "metadata": {"page_label": "102", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e2b3de9298d5557c0da345a53f9b4e5c46a277e5fe1a1544c013a6a30e2a1e94", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Total gross unrealized losses represented approximately 11% and 12% of the aggregate fair value of the related securities as of December 31, 2023 and 2022,respectively. Approximately 8% and 60% of these gross unrealized losses had been in a continuous loss position for less than twelve months as of December 31, 2023and 2022, respectively. The total gross unrealized losses are comprised of 3,096 and 3,826 individual securities as of December 31, 2023 and 2022, respectively. Inaccordance with its policy, the Company concluded that for these securities, the gross unrealized losses as of December 31, 2023 and December 31, 2022 wererelated to non-credit factors and therefore, did not recognize credit-related losses during the year ended December 31, 2023. Additionally, the Company currentlydoes not intend to and is not required to sell these investments prior to an anticipated recovery in value.\nThe cost or amortized cost and fair value of available-for-sale fixed maturity securities in an unrealized loss position as of December 31, 2023, by contractualmaturity, is shown below:\nDecember 31, 2023\nCost orAmortizedCost, Net of Allowance Fair Value\nDue in one year or less $ 118.8 $ 117.3 Due after one year through five years 1,032.0 985.3 \nDue after five years through ten years 1,612.4 1,469.2 Due after ten years 794.4 650.5 \nTotal 3,557.6 3,222.3 Asset-backed 491.5 468.7 Commercial mortgage-backed 363.8 310.5 \nResidential mortgage-backed 434.5 383.9 \nTotal $ 4,847.4 $ 4,385.4 \n The Company has entered into commercial mortgage loans, collateralized by the underlying real estate, on properties located throughout the U.S. As ofDecember 31, 2023, approximately 36% of the outstanding principal balance of commercial mortgage loans was concentrated in the states of California, Texas andMaryland. Although the Company has a diversified loan portfolio, an economic downturn could have an adverse impact on the ability of its debtors to repay theirloans. The outstanding balance of commercial mortgage loans range in size from less than $0.1 million to $10.0 million as of December 31, 2023 and from $0.1million to $9.7 million as of December 31, 2022. \nCredit quality indicators for commercial mortgage loans are loan-to-value and debt-service coverage ratios. The loan-to-value ratio compares the principalamount of the loan to the fair value of the underlying property collateralizing the loan, and is commonly expressed as a percentage. The debt-service coverage ratiocompares a property\u2019s net operating income to its debt-service payments and is commonly expressed as a ratio. The loan-to-value and debt-service coverage ratios aregenerally updated annually in the fourth quarter.\nF-29", "mimetype": "text/plain", "start_char_idx": 2, "end_char_idx": 2705, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "d5082259-4ac9-41cb-ac57-87ddef5ea6e6": {"__data__": {"id_": "d5082259-4ac9-41cb-ac57-87ddef5ea6e6", "embedding": null, "metadata": {"page_label": "103", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "c646ce9e-f9ec-4d33-9963-67bd967d462b", "node_type": "4", "metadata": {"page_label": "103", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "99e405706fc3df223f988b5ca91923a1fe002168b6385d26ade9220912cfb594", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The following table presents the amortized cost basis of commercial mortgage loans, excluding allowance for credit losses, by origination year for certain keycredit quality indicators at December 31, 2023 and 2022, respectively.\nDecember 31, 2023\nOrigination Year\n2023 2022 2021 2020 2019 Prior Total % of Total\nLoan to value ratios (1):70% and less $ 49.6 $ 42.3 $ 29.5 $ \u2014 $ \u2014 $ 60.1 $ 181.5 54.6 %71% to 80% 2.5 22.7 69.6 2.8 \u2014 4.4 102.0 30.7 %\n81% to 95% \u2014 10.7 25.5 \u2014 \u2014 5.5 41.7 12.5 %\nGreater than 95% \u2014 2.0 1.3 \u2014 \u2014 4.1 7.4 2.2 %\nTotal $ 52.1 $ 77.7 $ 125.9 $ 2.8 $ \u2014 $ 74.1 $ 332.6 100.0 %\nDecember 31, 2023\nOrigination Year\n2023 2022 2021 2020 2019 Prior Total % of Total\nDebt service coverageratios (2):Greater than 2.0 $ \u2014 $ 11.8 $ 9.3 $ \u2014 $ \u2014 $ 44.9 $ 66.0 19.8 %\n1.5 to 2.0 18.9 23.6 28.7 \u2014 \u2014 12.2 83.4 25.1 %1.0 to 1.5 33.2 18.2 40.1 \u2014 \u2014 7.1 98.6 29.7 %\nLess than 1.0 \u2014 24.1 47.8 2.8 \u2014 9.9 84.6 25.4 %\nTotal $ 52.1 $ 77.7 $ 125.9 $ 2.8 $ \u2014 $ 74.1 $ 332.6 100.0 %\n(1) LTV ratio derived from current loan balance divided by the fair value of the property. The fair value of the underlying commercial properties is updated at least annually.(2) DSC ratio calculated using most recent reported operating income results from property operators divided by annual debt service coverage.\nF-30", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1297, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "67538b1a-f2a9-4794-9171-bd011f243bda": {"__data__": {"id_": "67538b1a-f2a9-4794-9171-bd011f243bda", "embedding": null, "metadata": {"page_label": "104", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "5a328fe5-aef9-4efa-959f-c1b635a90d73", "node_type": "4", "metadata": {"page_label": "104", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "1f50e9ffed5287e51867b47650bb2f60a5980cf8668c6d8a15cb23c4c08f76f7", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "December 31, 2022\nOrigination Year\n2022 2021 2020 2019 2018 Prior Total % of Total\nLoan to value ratios (1):70% and less $ 44.0 $ 45.1 $ \u2014 $ \u2014 $ \u2014 $ 76.0 $ 165.1 55.5 %\n71% to 80% 32.7 75.7 2.7 \u2014 4.6 \u2014 115.7 38.9 %81% to 95% \u2014 14.7 \u2014 \u2014 \u2014 \u2014 14.7 5.0 %\nGreater than 95% \u2014 \u2014 \u2014 \u2014 \u2014 1.9 1.9 0.6 %\nTotal $ 76.7 $ 135.5 $ 2.7 $ \u2014 $ 4.6 $ 77.9 $ 297.4 100.0 %\nDecember 31, 2022\nOrigination Year\n2022 2021 2020 2019 2018 Prior Total % of Total\nDebt service coverageratios (2):\nGreater than 2.0 $ 24.2 $ 11.7 $ \u2014 $ \u2014 $ \u2014 $ 50.8 $ 86.7 29.2 %1.5 to 2.0 26.8 11.6 \u2014 \u2014 4.6 6.6 49.6 16.7 %1.0 to 1.5 25.7 63.0 \u2014 \u2014 \u2014 13.7 102.4 34.4 %\nLess than 1.0 \u2014 49.2 2.7 \u2014 \u2014 6.8 58.7 19.7 %\nTotal $ 76.7 $ 135.5 $ 2.7 $ \u2014 $ 4.6 $ 77.9 $ 297.4 100.0 %\n(1) LTV ratio derived from current loan balance divided by the fair value of the property. The fair value of the underlying commercial properties is updated at least annually.(2) DSC ratio calculated using most recent reported operating income results from property operators divided by annual debt service coverage.\nAs of December 31, 2023, the Company had mortgage loan commitments outstanding of approximately $1.4 million.  \nThe Company had short-term investments and fixed maturity securities of $569.0 million and $506.1 million as of December 31, 2023 and 2022, respectively,on deposit with various governmental authorities as required by law.\n9. Variable Interest Entities\nIn the normal course of business, the Company is involved with various types of investment entities that may be considered VIEs. The Company evaluates itsinvolvement with each entity to determine whether consolidation is required. The Company\u2019s maximum risk of loss is limited to the carrying value and unfundedcommitments of its investments in the VIEs. There were no consolidated VIEs as of December 31, 2023 and 2022.\nNon-Consolidated VIEs\nReal Estate Joint Venture and Other Partnerships\nThe Company invests in real estate joint ventures and limited partnerships, as well as closed ended real estate funds. These investments are generally accountedfor under the equity method as the primary beneficiary criteria is not met; however, the Company is able to exert significant influence over the investees operatingand financial policies. These investments are included in the consolidated balance sheets in other investments. As of December 31, 2023 and 2022, the Company\u2019smaximum exposure to loss is its recorded carrying value of $249.1 million and $242.3 million, respectively. The Company\u2019s unfunded commitments were $121.4million as of December 31, 2023.\nSee Note 2 for additional information on significant accounting policies related to VIEs.\nF-31", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2662, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "6c13c1b1-b2ae-443a-bc75-64969ddb0bde": {"__data__": {"id_": "6c13c1b1-b2ae-443a-bc75-64969ddb0bde", "embedding": null, "metadata": {"page_label": "105", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "67e99e0f-84a6-4b98-bf25-f5afd9859e70", "node_type": "4", "metadata": {"page_label": "105", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "eb40142034cf847108bbc079482086e3aa2d7a2daa82586d74b228bb09f61c50", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "10. Fair Value Disclosures\nFair Values, Inputs and Valuation Techniques for Financial Assets and Liabilities Disclosures\n The fair value measurements and disclosures guidance defines fair value and establishes a framework for measuring fair value. Fair value is defined as the pricethat would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. The Company hascategorized its recurring fair value basis financial assets and liabilities into a three-level fair value hierarchy based on the priority of the inputs to the valuationtechnique.\nThe fair value hierarchy gives the highest priority to quoted prices in active markets for identical assets or liabilities (Level 1) and the lowest priority tounobservable inputs (Level 3). The inputs used to measure fair value may fall into different levels of the fair value hierarchy. In such cases, the level in the fair valuehierarchy within which the fair value measurement in its entirety falls has been determined based on the lowest level input that is significant to the fair valuemeasurement in its entirety. The Company\u2019s assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment andtakes into account factors specific to the asset or liability.\nThe levels of the fair value hierarchy are described below:\n\u2022 Level 1 inputs utilize quoted prices (unadjusted) in active markets for identical assets or liabilities that the Company can access.\n\u2022 Level 2 inputs utilize other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly, for substantiallythe full term of the asset or liability. Level 2 inputs include quoted prices for similar assets or liabilities in active markets, quoted prices for identical orsimilar assets or liabilities in markets that are not active and inputs other than quoted prices that are observable in the marketplace for the asset or liability.The observable inputs are used in valuation models to calculate the fair value for the asset or liability.\n\u2022 Level 3 inputs are unobservable but are significant to the fair value measurement for the asset or liability, and include situations where there is little, if any,market activity for the asset or liability. These inputs reflect management\u2019s own assumptions about the assumptions a market participant would use inpricing the asset or liability.\nThe Company reviews fair value hierarchy classifications on a quarterly basis. Changes in the observability of valuation inputs may result in a reclassificationof levels for certain securities within the fair value hierarchy.\nThe following tables present the Company\u2019s fair value hierarchy for assets and liabilities measured at fair value on a recurring basis as of December 31, 2023and 2022. The amounts presented below for short-term investments, other investments, cash equivalents, other assets, assets held in and liabilities related to separateaccounts and other liabilities differ from the amounts presented in the consolidated balance sheets because only certain investments or certain assets and liabilitieswithin these line items are measured at estimated fair value. Other investments are comprised of investments in the AIP, the ASIC plan, and the ADC and otherderivatives. Other liabilities are comprised of investments in the AIP, contingent considerations related to business combinations and other derivatives. The fair valueamount and the majority of the associated levels presented for other investments and assets and liabilities held in separate accounts are received directly from thirdparties.\nF-32", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3703, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "aae2d08d-cf81-4039-97ff-f8690041217e": {"__data__": {"id_": "aae2d08d-cf81-4039-97ff-f8690041217e", "embedding": null, "metadata": {"page_label": "106", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d1ead594-48c7-4ba5-b8ae-dbddb94e98a4", "node_type": "4", "metadata": {"page_label": "106", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "6b0ecbb60f9e24d6b0e9715996ecb09afdaa212920e1c571a75cc686bedd6105", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "December 31, 2023  Financial Assets Total Level 1  Level 2  Level 3  \nFixed maturity securities:\nU.S. government and government agencies and authorities $ 65.2 $ \u2014 $ 65.2 $ \u2014 States, municipalities and political subdivisions 149.2 \u2014 149.2 \u2014 Foreign governments 479.8 \u2014 479.8 \u2014 \nAsset-backed 873.8 \u2014 791.0 82.8 Commercial mortgage-backed 330.2 \u2014 330.2 \u2014 Residential mortgage-backed 486.0 \u2014 486.0 \u2014 \nU.S. corporate 3,130.4 \u2014 3,094.8 35.6 Foreign corporate 1,397.5 \u2014 1,390.4 7.1 Equity securities:\nMutual funds 16.6 16.6 \u2014 \u2014 Common stocks 17.9 17.2 0.7 \u2014 Non-redeemable preferred stocks 188.5 \u2014 188.5 \u2014 \nShort-term investments 210.1 121.6 (2) 88.5 (3) \u2014 Other investments 62.5 62.4 (1) \u2014 0.1 Cash equivalents 1,051.3 1,040.4 (2) 10.9 (3) \u2014 \nOther assets 15.8 \u2014 \u2014 15.8 (4)\nAssets held in separate accounts 10.5 6.7 (1) 3.8 (3) \u2014 \nTotal financial assets $ 8,485.3 $ 1,264.9 $ 7,079.0 $ 141.4 \nFinancial Liabilities  \nOther liabilities $ 64.2 $ 62.4 (1) $ 1.8 (4) $ \u2014 \nLiabilities related to separate accounts 10.5 6.7 (1) 3.8 (3) \u2014 \nTotal financial liabilities $ 74.7 $ 69.1 $ 5.6 $ \u2014 \nF-33", "mimetype": "text/plain", "start_char_idx": 1, "end_char_idx": 1086, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "969a3e67-908a-4d51-a12f-a49be0fc88d0": {"__data__": {"id_": "969a3e67-908a-4d51-a12f-a49be0fc88d0", "embedding": null, "metadata": {"page_label": "107", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "397be90c-5656-42fe-9b9e-0992d9af6384", "node_type": "4", "metadata": {"page_label": "107", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "0d0383d4b8ef2651f90cd8ca6bb365a1d3fa46673523fb33819804d7d48638f1", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "December 31, 2022  \nFinancial Assets Total Level 1  Level 2  Level 3  \nFixed maturity securities:\nU.S. government and government agencies and authorities $ 86.4 $ \u2014 $ 86.4 $ \u2014 States, municipalities and political subdivisions 137.5 \u2014 137.5 \u2014 Foreign governments 396.3 \u2014 396.3 \u2014 \nAsset-backed 696.3 \u2014 635.9 60.4 Commercial mortgage-backed 402.3 \u2014 402.3 \u2014 Residential mortgage-backed 438.0 \u2014 438.0 \u2014 \nU.S. corporate 2,961.1 \u2014 2,932.3 28.8 Foreign corporate 1,165.8 \u2014 1,158.4 7.4 Equity securities:\nMutual funds 32.7 32.7 \u2014 \u2014 Common stocks 23.9 23.2 0.7 \u2014 Non-redeemable preferred stocks 224.7 \u2014 224.7 \u2014 \nShort-term investments 119.9 72.2 (2) 47.7 (3) \u2014 Other investments 60.3 60.1 (1) \u2014 0.2 Cash equivalents 789.1 647.3 (2) 141.8 (3) \u2014 \nAssets held in separate accounts 10.1 4.8 (1) 5.3 (3) \u2014 \nTotal financial assets $ 7,544.4 $ 840.3 $ 6,607.3 $ 96.8 \nFinancial Liabilities  \nOther liabilities $ 75.3 $ 60.1 (1) $ 0.2 (4) $ 15.0 (5)\nLiabilities related to separate accounts 10.1 4.8 (1) 5.3 (3) \u2014 \nTotal financial liabilities $ 85.4 $ 64.9 $ 5.5 $ 15.0 \n(1) Primarily includes mutual funds and related obligations.(2) Primarily includes money market funds.(3) Primarily includes fixed maturity securities and related obligations.(4) Primarily includes derivatives.(5) Includes contingent consideration liabilities.\nThe following tables summarize the change in balance sheet carrying value associated with Level 3 financial assets and liabilities carried at fair value for theyears ended December 31, 2023 and 2022:\n Year Ended December 31, 2023\n \nBalance,beginningof period\nTotalgains (losses)(realized/unrealized)included inearnings (1)\nNetunrealizedgains (losses)included inothercomprehensiveincome (2) Purchases Sales Transfersin (3) Transfersout (3)\nBalance,end ofperiod\nFinancial Assets\nFixed Maturity Securities\nAsset-backed $ 60.4 $ 1.5 $ (2.3) $ 38.6 $ (16.8) $ 1.7 $ (0.3) $ 82.8 \nU.S. corporate 28.8 0.4 0.4 10.9 (1.7) 2.7 (5.9) 35.6 \nForeign corporate 7.4 \u2014 0.1 2.0 (0.9) 0.5 (2.0) 7.1 \nOther investments 0.2 (0.1) \u2014 \u2014 \u2014 \u2014 \u2014 0.1 \nOther assets \u2014 \u2014 1.2 14.6 \u2014 \u2014 \u2014 15.8 \nFinancial Liabilities\nOther liabilities (15.0) \u2014 \u2014 \u2014 \u2014 \u2014 15.0 \u2014 \nTotal level 3 assets and liabilities $ 81.8 $ 1.8 $ (0.6) $ 66.1 $ (19.4) $ 4.9 $ 6.8 $ 141.4 \nF-34", "mimetype": "text/plain", "start_char_idx": 1, "end_char_idx": 2243, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "34fa6638-cbfd-4955-bcb1-c06131a5f1e6": {"__data__": {"id_": "34fa6638-cbfd-4955-bcb1-c06131a5f1e6", "embedding": null, "metadata": {"page_label": "108", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "4471d3cd-69eb-4301-8f8f-b0af42d2f630", "node_type": "4", "metadata": {"page_label": "108", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "6b8e248b1611a282240058da3a807d1a8ea8f3d75618523e743f7be46fa0f7aa", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Year Ended December 31, 2022\n \nBalance,beginningof period\nTotalgains (losses)(realized/unrealized)included inearnings (1)\nNetunrealizedgains (losses)included inothercomprehensiveincome (2) Purchases Sales Transfersin (3) Transfersout (3)\nBalance,end ofperiod\nFinancial Assets\nFixed Maturity Securities\nAsset-backed $ \u2014 $ 0.2 $ (1.5) $ 11.6 $ (4.5) $ 54.6 $ \u2014 $ 60.4 \nU.S. corporate 3.4 \u2014 (0.4) 6.7 (0.5) 19.6 \u2014 28.8 \nForeign corporate 3.6 \u2014 (0.3) \u2014 (0.3) 4.4 \u2014 7.4 \nEquity Securities\nCommon stock 134.9 1.1 \u2014 0.2 (1.2) \u2014 (135.0) \u2014 \nOther investments 0.2 \u2014 \u2014 \u2014 \u2014 \u2014 \u2014 0.2 \nFinancial Liabilities\nOther liabilities (4.0) (11.2) \u2014 \u2014 0.2 \u2014 \u2014 (15.0)\nTotal level 3 assets and liabilities $ 138.1 $ (9.9) $ (2.2) $ 18.5 $ (6.3) $ 78.6 $ (135.0) $ 81.8 \n (1) Included as part of net realized gains on investments, excluding other-than-temporary impairment losses, in the consolidated statements of operations.(2) Included as part of change in unrealized gains on securities in the consolidated statement of comprehensive income.(3) Transfers are primarily attributable to changes in the availability of observable market information and the re-evaluation of the observability of valuation inputs.\nThree different valuation techniques can be used in determining fair value for financial assets and liabilities: the market, income or cost approaches. The threevaluation techniques described in the fair value measurements and disclosures guidance are consistent with generally accepted valuation methodologies.\nThe market approach valuation techniques use prices and other relevant information generated by market transactions involving identical or comparable assetsor liabilities. When possible, quoted prices (unadjusted) in active markets are used as of the period-end date (such as for mutual funds and money market funds).Otherwise, the Company uses valuation techniques consistent with the market approach including matrix pricing and comparables. Matrix pricing is a mathematicaltechnique employed principally to value debt securities without relying exclusively on quoted prices for those securities but, rather, relying on the securities\u2019relationship to other benchmark quoted securities. Market approach valuation techniques often use market multiples derived from a set of comparables. Multiplesmight lie in ranges with a different multiple for each comparable. The selection of where within the range the appropriate multiple falls requires judgment,considering both qualitative and quantitative factors specific to the measurement.\nIncome approach valuation techniques convert future amounts, such as cash flows or earnings, to a single present amount, or a discounted amount. Thesetechniques rely on current market expectations of future amounts as of the period-end date. Examples of income approach valuation techniques include present valuetechniques, option-pricing models, binomial or lattice models that incorporate present value techniques and the multi-period excess earnings method.\nCost approach valuation techniques are based upon the amount that would be required to replace the service capacity of an asset at the period-end date, or thecurrent replacement cost. That is, from the perspective of a market participant (seller), the price that would be received for the asset is determined based on the cost toa market participant (buyer) to acquire or construct a substitute asset of comparable utility, adjusted for obsolescence.\nWhile not all three approaches are applicable to all financial assets or liabilities, where appropriate, the Company may use one or more valuation techniques.For all the classes of financial assets and liabilities included in the above hierarchy, excluding certain derivatives and certain privately placed corporate bonds, theCompany generally uses the market valuation technique.\nLevel 1 Securities\nThe Company\u2019s investments and liabilities classified as Level 1 as of December 31, 2023 and 2022 consisted of mutual funds and related obligations, moneymarket funds and common stocks that are publicly listed and/or actively traded in an established market.\nLevel 2 Securities\nThe Company values Level 2 securities using various observable market inputs obtained from a pricing service or asset manager. They prepare estimates of fairvalue measurements for the Company\u2019s Level 2 securities using proprietary valuation models based on techniques such as matrix pricing which include observablemarket inputs. The fair value measurements and\nF-35", "mimetype": "text/plain", "start_char_idx": 1, "end_char_idx": 4490, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "9a905591-3c9c-43ea-b814-137a0a861364": {"__data__": {"id_": "9a905591-3c9c-43ea-b814-137a0a861364", "embedding": null, "metadata": {"page_label": "109", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "dd5948d8-629e-4210-81a1-5c8f5e064c12", "node_type": "4", "metadata": {"page_label": "109", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "afaff99f443d53f29878e0824074cb3e87a9c4dc3e0d8c4934649680927d5566", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "disclosures guidance defines observable market inputs as the assumptions market participants would use in pricing the asset or liability developed on market dataobtained from sources independent of the Company. The extent of the use of each observable market input for a security depends on the type of security and themarket conditions at the balance sheet date. Depending on the security, the priority of the use of observable market inputs may change as some observable marketinputs may not be relevant or additional inputs may be necessary. The Company uses the following observable market inputs (\u201cstandard inputs\u201d), listed in theapproximate order of priority, in the pricing evaluation of Level 2 securities: benchmark yields, reported trades, broker/dealer quotes, issuer spreads, two-sidedmarkets, benchmark securities, bids, offers and reference data including market research data. Further details for Level 2 investment types follow:\nU.S. government and government agencies and authorities: U.S. government and government agencies and authorities securities are priced by the Company\u2019spricing service utilizing standard inputs. Included in this category are U.S. Treasury securities which are priced using vendor trading platform data in addition to thestandard inputs.\nStates, municipalities and political subdivisions: States, municipalities and political subdivisions securities are priced by the Company\u2019s pricing service usingmaterial event notices and new issue data inputs in addition to the standard inputs.\nForeign governments: Foreign government securities are primarily fixed maturity securities denominated in local currencies which are priced by theCompany\u2019s pricing service using standard inputs. The pricing service also evaluates each security based on relevant market information including relevant creditinformation, perceived market movements and sector news.\nCommercial mortgage-backed, residential mortgage-backed and asset-backed: Commercial mortgage-backed, residential mortgage-backed and asset-backedsecurities are priced by the Company\u2019s pricing service and asset managers using monthly payment information and collateral performance information in addition tothe standard inputs. Additionally, commercial mortgage-backed securities and asset-backed securities utilize new issue data while residential mortgage-backedsecurities utilize vendor trading platform data.\nU.S. and foreign corporate: Corporate securities are priced by the Company\u2019s pricing service using standard inputs. Non-investment grade securities within thiscategory are priced by the Company\u2019s pricing service and asset managers using observations of equity and credit default swap curves related to the issuer in additionto the standard inputs. Certain privately placed corporate bonds are priced by a non-pricing service source using a model with observable inputs including the creditrating, credit spreads, sector add-ons, and issuer specific add-ons. \nNon-redeemable preferred stocks: Non-redeemable preferred stocks are priced by the Company\u2019s pricing service using observations of equity and credit defaultswap curves related to the issuer in addition to the standard inputs.\nShort-term investments, cash equivalents, assets held in separate accounts and liabilities related to separate accounts: To price the fixed maturity securitiesand related obligations in these categories, the pricing service utilizes the standard inputs.\nOther liabilities: Foreign exchange forwards are priced using a pricing model which utilizes market observable inputs including foreign exchange spot rate,forward points and date to settlement.\nValuation models used by the pricing service can change from period to period, depending on the appropriate observable inputs that are available at the balancesheet date to price a security.\nLevel 3 Securities\nThe Company\u2019s investments classified as Level 3 as of December 31, 2023 and 2022 consisted of $125.5 million and $96.6 million of fixed maturity securities.As of December 31, 2023 and 2022, the Level 3 fixed maturity securities are priced using non-binding third-party quotes, for which the underlying quantitative inputsare not developed by the Company and are not readily available or observable.\nOther investments and other liabilities: The Company prices swaptions using a Black-Scholes pricing model incorporating third-party market data, includingswap volatility data.\nOther assets: The Company prices options using non-binding quotes provided by market makers or broker dealers who are recognized as market participants.Inputs factored into the non-binding quotes include trades in the actual option which is being priced, deal structure, spot rates, volatility, and projected cashflows.\nF-36", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4745, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "446823b9-65e7-4431-a81a-c8018252720a": {"__data__": {"id_": "446823b9-65e7-4431-a81a-c8018252720a", "embedding": null, "metadata": {"page_label": "110", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "64d0027a-669a-42a6-a7fe-6c43ef3b0996", "node_type": "4", "metadata": {"page_label": "110", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f547f5ff854561eea4010349cb321c949283a03d7ccb496a458fefe627525a3a", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The fair value of the contingent consideration is estimated using a discounted cash flow model. Inputs may include future business performance, earn out caps,and applicable discount rates.\nManagement evaluates the following factors in order to determine whether the market for a financial asset is inactive. The factors include:\n\u2022 whether there are few recent transactions,\n\u2022 whether little information is released publicly,\n\u2022 whether the available prices vary significantly over time or among market participants,\n\u2022 whether the prices are stale (i.e., not current), and\n\u2022 the magnitude of the bid-ask spread.\nIlliquidity did not have a material impact in the fair value determination of the Company\u2019s financial assets as of December 31, 2023 or 2022.\nThe Company generally obtains one price for each financial asset. The Company performs a periodic analysis to assess if the evaluated prices represent areasonable estimate of the financial assets\u2019 fair values. This process involves quantitative and qualitative analysis and is overseen by investment and accountingprofessionals. Examples of procedures performed include initial and on-going review of pricing service methodologies, review of the prices received from the pricingservice, review of pricing statistics and trends, and comparison of prices for certain securities with two different appropriate price sources for reasonableness.Following this analysis, the Company generally uses the best estimate of fair value based upon all available inputs. On infrequent occasions, a non-pricing servicesource may be more familiar with the market activity for a particular security than the pricing service. In these cases the price used is taken from the non-pricingservice source. The pricing service provides information to indicate which securities were priced using market observable inputs so that the Company can properlycategorize the Company\u2019s financial assets in the fair value hierarchy.\nDisclosures for Assets and Liabilities Measured at Fair Value on a Non-Recurring Basis\nThe Company also measures the fair value of certain assets and liabilities, generally on an annual basis, or when events or changes in circumstances indicatethat the carrying amount of the assets may be affected. These assets include commercial mortgage loans, equity investments accounted for under the measurementalternative, goodwill and finite-lived intangible assets.\nIn 2023 and 2022, as a result of third-party market observable transactions that were of the same issuer and determined to be similar, the Company markedcertain of its equity investments accounted for under the measurement alternative to fair value. The carrying value of investments under the measurement alternativemarked to fair value on a non-recurring basis as of December 31, 2023 and 2022 was $3.3 million and $40.8 million, respectively. Given the significant unobservableinputs involved in valuation of these investments, they are classified in Level 3 of the fair value hierarchy. Generally, these valuations utilize the market approach, oran option pricing model backsolve method, which is a valuation approach that can be used to determine the value of common shares for companies with complexcapital structures in which there have not been any recent transactions involving common shares. Inputs include capitalization tables, investment past and futureperformance projections, time to exit, discount rate and volatility based upon an appropriate industry group. For the year ended December 31, 2023, the Companyrecorded fair value increases of $0.6 million related to one market observable transaction and a note conversion of two investments. For the year ended December 31,2022, the Company recorded fair value increases of $19.5 million related to three market observable transactions of three investments.\nIn 2023 and 2022, as a result of a qualitative analysis indicating an impairment existed, the Company performed a quantitative analysis utilizing a probabilityweighted scenario model and determined certain investments were impaired. Model inputs include capitalization tables, investment past and future companyperformance projections, and discount rate. Based upon model outputs, impairments of $12.9 million and $3.0 million were recorded for the years ended December31, 2023 and 2022, respectively.\nRefer to Note 15 for the results of the 2023 goodwill impairment testing.\nFair Value of Financial Instruments Disclosures\nThe financial instruments guidance requires disclosure of fair value information about financial instruments, for which it is practicable to estimate such fairvalue. Therefore, it requires fair value disclosure for financial instruments that are not recognized or are not carried at fair value in the consolidated balance sheets.However, this guidance excludes certain financial instruments, including those related to insurance contracts and those accounted for under the equity method (suchas partnerships).\nF-37", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4973, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "b300f8a7-34ad-429c-8760-aef20411f53f": {"__data__": {"id_": "b300f8a7-34ad-429c-8760-aef20411f53f", "embedding": null, "metadata": {"page_label": "111", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "ee834531-bbc3-4e46-9516-03d991396ac8", "node_type": "4", "metadata": {"page_label": "111", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "4a926694b1f386ef93edfd5f24eb9470cb9cde81818783a7f05009cf8a63b9ff", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "For the financial instruments included within the following financial assets and financial liabilities, the carrying value in the consolidated balance sheets equalsor approximates fair value. Please refer to the Fair Values Inputs and Valuation Techniques for Financial Assets and Liabilities Disclosures section above foradditional information on the financial instruments included within the following financial assets and financial liabilities and the methods and assumptions used toestimate fair value:\n\u2022 Cash and cash equivalents;\n\u2022 Fixed maturity securities;\n\u2022 Equity securities;\n\u2022 Short-term investments;\n\u2022 Other investments;\n\u2022 Other assets;\n\u2022 Assets held in separate accounts;\n\u2022 Other liabilities; and\n\u2022 Liabilities related to separate accounts.\nIn estimating the fair value of the financial instruments that are not recognized or are not carried at fair value in the consolidated balance sheets, the Companyused the following methods and assumptions:\nCommercial mortgage loans on real estate: The fair value of commercial mortgage loans on real estate utilizes a third-party matrix pricing model. For fixed rateloans, the matrix process uses a yield buildup approach to create a pricing yield, with components for base yield, credit quality spread, property type spread, and aweighted average life spread. Floating rate loans are priced with a target quality spread over the swap curve. A dollar price for each loan is derived from the pricingyield or spread by a discounted cash flow methodology.\nOther investments: Other investments include low income housing tax credits, business debentures, and credit tenant loans which are recorded at cost oramortized cost, as well as policy loans. The carrying value reported for these investments approximates fair value.\nOther assets: The carrying value of dealer loans approximates fair value.\nPolicy reserves under investment products: The fair values for the Company\u2019s policy reserves under investment products are determined using discounted cashflow analysis. Key inputs to the valuation include projections of policy cash flows, reserve runoff, market yields and risk margins.\nFunds held under reinsurance: The carrying value reported approximates fair value due to the short maturity of the instruments.\nDebt: The fair value of debt is based upon matrix pricing performed by the pricing service utilizing the standard inputs.\nF-38", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2390, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "88177e58-bfe4-4bc0-84c8-753f32c4f99d": {"__data__": {"id_": "88177e58-bfe4-4bc0-84c8-753f32c4f99d", "embedding": null, "metadata": {"page_label": "112", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "9b494225-dd8a-4df5-9359-5662bf9f20a3", "node_type": "4", "metadata": {"page_label": "112", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "01a6baefdbf5ba324a48e2e629163ac4383fb79f3fc9ad1d93ee0e8dbd2a1daa", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The following tables disclose the carrying value, fair value and hierarchy level of the financial instruments that are not recognized or are not carried at fair valuein the consolidated balance sheets as of the dates indicated:\n December 31, 2023\n  Fair Value\n  Carrying Value Total Level 1 Level 2 Level 3\nFinancial Assets\nCommercial mortgage loans on real estate $ 328.7 $ 313.7 $ \u2014 $ \u2014 $ 313.7 \nOther investments 3.7 3.7 1.4 \u2014 2.3 \nOther assets 26.5 26.5 \u2014 \u2014 26.5 \nTotal financial assets $ 358.9 $ 343.9 $ 1.4 $ \u2014 $ 342.5 \nFinancial Liabilities\nPolicy reserves under investment products (Individual and group annuities,subject to discretionary withdrawal) (1) $ 7.3 $ 7.8 $ \u2014 $ \u2014 $ 7.8 \nFunds held under reinsurance 392.7 392.7 392.7 \u2014 \u2014 \nDebt 2,080.6 1,972.4 \u2014 1,972.4 \u2014 \nTotal financial liabilities $ 2,480.6 $ 2,372.9 $ 392.7 $ 1,972.4 $ 7.8 \n December 31, 2022\n  Fair Value\n  Carrying Value Total Level 1 Level 2 Level 3\nFinancial Assets\nCommercial mortgage loans on real estate $ 295.6 $ 278.2 $ \u2014 $ \u2014 $ 278.2 \nOther investments 6.7 6.7 1.6 \u2014 5.1 \nOther assets 12.7 12.7 \u2014 \u2014 12.7 \nTotal financial assets $ 315.0 $ 297.6 $ 1.6 $ \u2014 $ 296.0 \nFinancial Liabilities\nPolicy reserves under investment products (Individual and group annuities,subject to discretionary withdrawal) (1) $ 8.0 $ 8.4 $ \u2014 $ \u2014 $ 8.4 \nFunds held under reinsurance 366.6 366.6 366.6 \u2014 \u2014 \nDebt 2,129.9 1,932.7 \u2014 1,932.7 \u2014 \nTotal financial liabilities $ 2,504.5 $ 2,307.7 $ 366.6 $ 1,932.7 $ 8.4 \n(1) Only the fair value of the Company\u2019s policy reserves for investment-type contracts (those without significant mortality or morbidity risk) are reflected in the tables above.\n11. Premiums and Accounts Receivable\nReceivables are reported net of an allowance for uncollectible amounts. A summary of such receivables is as follows as of the dates indicated:\n December 31,\n 2023 2022\nInsurance premiums receivable $ 2,195.8 $ 2,304.9 \nOther receivables 78.8 110.7 Allowance for credit losses (9.0) (9.2)\nTotal $ 2,265.6 $ 2,406.4 \nF-39", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2004, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "3b667891-9ad4-4a31-b797-bdb7c1aa822e": {"__data__": {"id_": "3b667891-9ad4-4a31-b797-bdb7c1aa822e", "embedding": null, "metadata": {"page_label": "113", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "9a926e0d-2320-45ab-9fd2-31680dfe362c", "node_type": "4", "metadata": {"page_label": "113", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "dcfaf3fb68d9eb0a688bf1f75aa37d5dafa9d1b9fbecce88f95e31b974085fe0", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "12. Income Taxes\nThe components of income tax expense (benefit) were as follows for the periods indicated:\n Years Ended December 31,\n 2023 2022 2021\nPre-tax income:Domestic $ 700.9 $ 250.4 $ 618.0 Foreign 105.9 99.5 153.3 \nTotal pre-tax income $ 806.8 $ 349.9 $ 771.3 \n Years Ended December 31,\n 2023 2022 2021\nCurrent expense (benefit):Federal and state $ 220.9 $ (23.5) $ 0.6 \nForeign 51.9 33.0 36.1 \nTotal current expense (benefit) 272.8 9.5 36.7 \nDeferred expense (benefit):\nFederal and state (80.4) 65.7 123.4 Foreign (28.1) (1.9) 8.3 \nTotal deferred expense (benefit) (108.5) 63.8 131.7 \nTotal income tax expense (benefit) $ 164.3 $ 73.3 $ 168.4 \nThe provision for foreign taxes includes amounts attributable to income from U.S. possessions that are considered foreign under U.S. tax laws. Internationaloperations of the Company are subject to income taxes imposed by the jurisdiction in which they operate. \nA reconciliation of the federal income tax rate to the Company\u2019s effective income tax rate follows for the periods indicated:\n Years Ended December 31,\n 2023 2022 2021\nFederal income tax rate: 21.0 % 21.0 % 21.0 %Reconciling items:\nNon-taxable investment income (0.2) (0.4) (0.3)Foreign earnings (1) 0.2 2.2 1.0 Non-deductible compensation 0.6 0.8 0.7 \nChange in liability for prior year tax (2) (0.8) (2.8) (0.4)Change in valuation allowance (0.6) (0.4) (0.2)Other 0.2 0.5 \u2014 \nEffective income tax rate: 20.4 % 20.9 % 21.8 %\n (1) Results for 2023, 2022, and 2021 primarily include the impact of foreign earnings taxed at different rates.(2) The change in liability for prior year tax in 2022 was primarily related to a foreign derived intangible income benefit of $9.2 million taken on an amended 2019 income tax return.\nF-40", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1740, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "d32e5cc6-4cf8-427a-9e19-5545e074b7f6": {"__data__": {"id_": "d32e5cc6-4cf8-427a-9e19-5545e074b7f6", "embedding": null, "metadata": {"page_label": "114", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "b1b7a21a-d13c-4371-b96f-407571114d8c", "node_type": "4", "metadata": {"page_label": "114", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "cce1801e06ce7859820a9f738784bed87ed3307af005635ec44137d52e5bdef8", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "A reconciliation of the beginning and ending amount of unrecognized tax benefits for the years ended December 31, 2023, 2022 and 2021 is as follows: \n Years Ended December 31,\n 2023 2022 2021\nBalance at beginning of year $ (18.5) $ (18.5) $ (15.6)\nAdditions based on tax positions related to the current year (0.9) (0.6) (0.6)Reductions based on tax positions related to the current year \u2014 \u2014 \u2014 Additions for tax positions of prior years (0.5) (0.2) (5.9)\nReductions for tax positions of prior years 2.9 0.8 3.6 Lapses \u2014 \u2014 \u2014 \nBalance at end of year $ (17.0) $ (18.5) $ (18.5)\n \nTotal unrecognized tax benefits of $19.2 million, $20.4 million and $19.9 million for the years ended December 31, 2023, 2022, and 2021, respectively, whichincludes interest and penalties, would impact the Company\u2019s consolidated effective tax rate if recognized. The liability for unrecognized tax benefits is included inaccounts payable and other liabilities on the consolidated balance sheets. \nThe Company\u2019s continuing practice is to recognize interest expense related to income tax matters in income tax expense. During the years ended December 31,2023, 2022, and 2021, the Company recognized approximately $0.4 million, $0.7 million and $(0.1) million, respectively, of interest expense (benefit) related toincome tax matters. The Company had $2.8 million, $2.4 million and $1.7 million of interest accrued as of December 31, 2023, 2022 and 2021, respectively. TheCompany had no penalties accrued as of December 31, 2023, 2022, and 2021.\nThe Company does not anticipate any significant increase or decrease of unrecognized tax benefit within the next 12 months. \nThe Company and its subsidiaries file income tax returns in the U.S. and various state and foreign jurisdictions. The Company has substantially concluded allU.S. federal income tax matters for years through 2015. Substantially all non-U.S. income tax matters have been concluded for years through 2010, and all state andlocal income tax matters have been concluded for years through 2008.\nThe tax effects of temporary differences that result in significant deferred tax assets and deferred tax liabilities are as follows as of the dates indicated: \nF-41", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2198, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "1277b73a-0683-4820-9576-3f9ac74885ee": {"__data__": {"id_": "1277b73a-0683-4820-9576-3f9ac74885ee", "embedding": null, "metadata": {"page_label": "115", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "b46a2122-268c-4314-b8d7-761d3333214d", "node_type": "4", "metadata": {"page_label": "115", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ebeb7fd008b8023aa50817efbd5d556f355a6f0a78d578da4b7a88bf291ea7ba", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "December 31,\n 2023 2022\nDeferred Tax AssetsPolicyholder and separate account reserves $ 538.3 $ 610.6 Net operating loss carryforwards 43.4 42.3 \nNet unrealized appreciation on securities 87.7 141.1 Credit carryforwards 9.9 9.5 Employee and post-retirement benefits 8.6 7.0 \nCompensation related 43.9 38.3 Capital loss carryforwards 12.1 5.2 Other 65.3 44.6 \nTotal deferred tax assets 809.2 898.6 Less valuation allowance (16.1) (23.6)\nDeferred tax assets, net of valuation allowance 793.1 875.0 \nDeferred Tax LiabilitiesDeferred acquisition costs (1,161.0) (1,300.0)\nInvestments, net (0.6) (9.6)Intangible assets (101.5) (110.9)\nTotal deferred tax liabilities (1,263.1) (1,420.5)Net deferred income tax liabilities $ (470.0) $ (545.5)\nA cumulative valuation allowance of $16.1 million existed as of December 31, 2023 based on management\u2019s assessment that it is more likely than not thatcertain deferred tax assets attributable to international subsidiaries will not be realized. \nThe Company\u2019s ability to realize deferred tax assets depends on its ability to generate sufficient taxable income of the same character within the carryback orcarryforward periods. In assessing future taxable income, the Company considered all sources of taxable income available to realize its deferred tax asset, includingthe future reversal of existing temporary differences, future taxable income exclusive of reversing temporary differences and carryforwards, taxable income incarryback years and tax-planning strategies. If changes occur in the assumptions underlying the Company\u2019s tax planning strategies or in the scheduling of the reversalof the Company\u2019s deferred tax liabilities, the valuation allowance may need to be adjusted in the future. \nOther than for certain wholly owned Canadian and Latin American subsidiaries, the Company plans to indefinitely reinvest the earnings in other jurisdictions.Under current U.S. tax law, no material income taxes are anticipated on future repatriation of earnings. Therefore, deferred taxes have not been provided.\nThe net operating loss carryforwards by jurisdiction are as follows as of the dates indicated:\nDecember 31,\n2023 2022\nFederal net operating loss carryforwards $ \u2014 $ 18.4 \nForeign net operating loss carryforwards (1) $ 164.9 $ 154.6 \n(1) Of the $164.9 million as of December 31, 2023, $46.9 million expires between 2023 and 2038, and $118.0 million has an unlimited carryforward.\nF-42", "mimetype": "text/plain", "start_char_idx": 1, "end_char_idx": 2432, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "58198c2a-1d41-4939-9a3f-87b8dc75f8ac": {"__data__": {"id_": "58198c2a-1d41-4939-9a3f-87b8dc75f8ac", "embedding": null, "metadata": {"page_label": "116", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "27626608-7418-4b67-b8fa-e0d82c16c250", "node_type": "4", "metadata": {"page_label": "116", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "520168d3f8f78fd670573adc5f381b05052fb21a01552656c1f57049f7125b65", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "13. Deferred Acquisition Costs \nInformation about deferred acquisition costs is as follows as of the dates indicated:\n December 31,\n 2023 2022 2021\nBeginning balance $ 9,677.1 $ 8,811.0 $ 7,393.5 \nCosts deferred 4,409.8 4,528.7 4,685.5 Amortization (4,119.7) (3,662.6) (3,268.0)\nEnding balance $ 9,967.2 $ 9,677.1 $ 8,811.0 \n14. Property and Equipment\nProperty and equipment consisted of the following as of the dates indicated:\n December 31,\n 2023 2022\nLand $ 6.5 $ 10.0 \nBuildings and improvements 141.6 229.4 Furniture, fixtures and equipment 91.6 119.7 Software 838.7 693.4 \nTotal 1,078.4 1,052.5 Less accumulated depreciation (392.6) (407.4)\nTotal $ 685.8 $ 645.1 \n \nDepreciation expense for the years ended December 31, 2023, 2022 and 2021 amounted to $109.3 million, $86.3 million and $73.8 million, respectively.Depreciation expense is included in underwriting, selling, general and administrative expenses in the consolidated statements of operations.\nThe assets of the Miami, Florida office met held-for-sale criteria in second quarter 2023 and was reclassified from property and equipment, net, to other assetsin the consolidated balance sheet as of December 31, 2023. The Company has ceased depreciation of these assets which are recorded at carrying value of$46.0 million as of December 31, 2023, which is less than the estimated fair value less estimated costs to sell. During third quarter 2023, the Company submitted anagreement to a potential acquiror, which is subject to review, approval, execution and other conditions. There can be no assurance that a definitive agreement will beexecuted or that any transaction will be approved or consummated.\n15. Goodwill \nThe Company has assigned goodwill to its reporting units for impairment testing purposes. The Company has three reporting units consisting of two reportingunits within the Global Lifestyle operating segment, Connected Living and Global Automotive, and Global Housing (whereby the reporting unit for impairmenttesting was at the operating segment level). In 2023, the Company reassessed its reporting units and determined that the Global Financial Services component shouldbe aggregated with other business components within the Connected Living reporting unit because the business is managed by the same business leader and havesimilar economic characteristics as required by the aggregation criteria. The new combined Connected Living reporting unit meets the accounting definition of asingle reporting unit.\nQuantitative Impairment Testing\nFor the annual October 1, 2023 goodwill impairment test, the Company performed quantitative tests for all reporting units with goodwill (Connected Living,Global Automotive and Global Housing).\nThe following describes the various valuation methodologies used in the quantitative test which were weighted using our judgment as to which were the mostrepresentative in determining the estimated fair value of the reporting units.\nA Dividend Discount Method (\u201cDDM\u201d) was used to value each of the reporting units based upon the present value of expected cash flows available fordistribution over future periods. Cash flows were estimated for a discrete projection period\nF-43", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3192, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "ec958a21-3e52-4341-8ac6-95b30ce0ccfd": {"__data__": {"id_": "ec958a21-3e52-4341-8ac6-95b30ce0ccfd", "embedding": null, "metadata": {"page_label": "117", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3510c509-d45d-43e2-886d-fa9744c40da0", "node_type": "4", "metadata": {"page_label": "117", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "1b231b55147afaef9763013112788bf5d44dae55942f65e87c22e84424f7f38f", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "6471f6c9-fd34-44a7-8daa-f8af77387531", "node_type": "1", "metadata": {}, "hash": "92baee79b8ad73b8ed12dcdf359cef171fc7fe4c7de41884f6c5229f7b656ae0", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "based on detailed assumptions, and a terminal value was calculated to reflect the value attributable to cash flows beyond the discrete period. Cash flows and theterminal value were then discounted using each reporting unit\u2019s estimated cost of capital. The estimated fair value of each reporting unit represented the sum of thediscounted cash flows and terminal value.\nA Guideline Company Method, in which we identified a group of peer companies that have similar operations to the reporting unit, was used; however, directpeer comparisons for the reporting units were limited given the diversity of the products and services within the businesses. This method was used to value eachreporting unit based upon its relative performance to peer companies, based on several measures, including price to trailing 12-month earnings, price to projectedearnings, price to tangible net worth and return on equity.\nWhile DDM and Guideline Company valuation methodologies were considered in assessing fair value, the DDM was weighted more heavily since managementbelieves that expected cash flows are the most important factor in the valuation of a business enterprise, and also considering the lack of directly-comparable peercompanies. Based on the quantitative assessment performed as of October 1, 2023, the Company concluded that the estimated fair values of the Global Lifestyle andGlobal Housing reporting units exceeded their respective book values and therefore determined that the assigned goodwill was not impaired.\nSharing Economy and Small Commercial Businesses Impairment\nIn second quarter of 2022, $7.8 million of goodwill, previously included in Global Housing, was allocated to the sharing economy and small commercialbusinesses which are included within non-core operations in Corporate and Other. During the fourth quarter of 2022, the Company identified impairment indicatorsimpacting the fair value of the sharing economy and small commercial businesses, including a decline in long-term economic performance. The fair value of thesharing economy and small commercial businesses was determined using a discounted cash flow method which calculated the present value of the run-off results andconsidered all aspects of the business including investment assumptions. The fair value calculated in the fourth quarter of 2022 was lower than the carrying value ofthe run-off businesses, resulting in the pre-tax and after-tax impairment charge of the entire goodwill of $7.8 million. The goodwill impairment charge was reportedseparately in the consolidated statements of operations for the year ended December 31, 2022, with a corresponding reduction to goodwill in the consolidated balancesheet as of December 31, 2022.\nA roll forward of goodwill by reportable segment is provided below as of and for the years indicated:\nGlobal Lifestyle (1) Global Housing Corporate and Other Consolidated\nBalance at December 31, 2021 (2) $ 2,192.1 $ 379.5 $ \u2014 $ 2,571.6 Acquisitions (3) 15.2 37.4 \u2014 52.6 \nImpairments (4) \u2014 \u2014 (7.8) (7.8)Foreign currency translation and other (4) (13.4) (7.8) 7.8 (13.4)\nBalance at December 31, 2022 (2) 2,193.9 409.1 \u2014 2,603.0 \nTransfers (5) 92.4 (92.4) \u2014 \u2014 \u2014 Foreign currency translation and other 5.8 \u2014 \u2014 5.8 \nBalance at December 31, 2023 (2) $ 2,292.1 $ 316.7 $ \u2014 $ 2,608.8 \n(1) As of December 31, 2023, $785.2 million and $1,506.9 million of goodwill was assigned to the Connected Living and Global Automotive reporting units, respectively. As of December 31, 2022,$761.0 million and $1,432.9 million of goodwill was assigned to the Connected Living (including Global Financial Services which was aggregated with Connected Living in 2023) and GlobalAutomotive reporting units, respectively.(2) Consolidated goodwill reflects $1,413.7 million of accumulated impairment losses at December 31, 2023 and 2022 and $1,405.9 million of accumulated impairment losses at December 31, 2021.(3) The change during the year ended December 31, 2022 includes goodwill from the acquisition of ALI and a less significant acquisition. Refer to Note 3 for further information.(4) The change during the year ended December 31, 2022 includes $7.8 million of goodwill being moved from Global Housing to Corporate and Other as part of the transfer of the sharing economy andsmall commercial businesses, previously reported through the Company\u2019s Global Housing segment.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4372, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "6471f6c9-fd34-44a7-8daa-f8af77387531": {"__data__": {"id_": "6471f6c9-fd34-44a7-8daa-f8af77387531", "embedding": null, "metadata": {"page_label": "117", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3510c509-d45d-43e2-886d-fa9744c40da0", "node_type": "4", "metadata": {"page_label": "117", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "1b231b55147afaef9763013112788bf5d44dae55942f65e87c22e84424f7f38f", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "ec958a21-3e52-4341-8ac6-95b30ce0ccfd", "node_type": "1", "metadata": {"page_label": "117", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "50c87c304f03308a90aaef54c50f3ea73a8ff08feb24721f95a5a6e6a35389ec", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "(5) The change during the year ended December 31, 2023 is related to the transfer of certain specialty products, mainly the commercial equipment business, from Global Housing to Global Lifestyle,effective January 1, 2023.\nF-44", "mimetype": "text/plain", "start_char_idx": 4372, "end_char_idx": 4598, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "dca746b0-62c4-4d95-aa68-94b686b4f936": {"__data__": {"id_": "dca746b0-62c4-4d95-aa68-94b686b4f936", "embedding": null, "metadata": {"page_label": "118", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "b2b20259-49fe-4680-b0d0-82a7e6458c50", "node_type": "4", "metadata": {"page_label": "118", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "3c502ed3dd4e073462dbc42e34ba638f2c81e093c214fe4dc68bc72f8a9ea9f0", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "16. VOBA and Other Intangible Assets \nVOBA\nInformation about VOBA is as follows for the periods indicated:\n Years Ended December 31,\n 2023 2022 2021\nBeginning balance $ 262.8 $ 583.4 $ 1,152.2 Additions \u2014 1.9 \u2014 Amortization, net of interest accrued (179.2) (322.8) (567.9)Foreign currency translation and other 0.3 0.3 (0.9)\nEnding balance $ 83.9 $ 262.8 $ 583.4 \nAs of December 31, 2023, the outstanding VOBA balance is primarily related to the 2018 acquisition of TWG within the Global Lifestyle segment.\nAs of December 31, 2023, the estimated amortization of VOBA for the next five years and thereafter is as follows:\nYear Amount\n2024 $ 76.1 2025 3.6 \n2026 1.7 2027 1.4 2028 0.7 \nThereafter 0.4 \nTotal $ 83.9 \nOther Intangible Assets\nInformation about other intangible assets is as follows as of the dates indicated:\n As of December 31,\n 2023 2022\n CarryingValue AccumulatedAmortization\nNet OtherIntangibleAssets CarryingValue AccumulatedAmortization\nNet OtherIntangibleAssets\nPurchased intangible assets $ 931.2 $ (474.9) $ 456.3 $ 956.5 $ (420.2) $ 536.3 \nOperating intangible assets 180.4 (79.9) 100.5 154.1 (62.1) 92.0 \nTotal finite-lived intangible assets 1,111.6 (554.8) 556.8 1,110.6 (482.3) 628.3 \nTotal indefinite-lived intangible assets 10.3 \u2014 10.3 10.6 \u2014 10.6 \nTotal other intangible assets $ 1,121.9 $ (554.8) $ 567.1 $ 1,121.2 $ (482.3) $ 638.9 \nPurchased intangible assets primarily consist of contract based and customer related intangibles related to acquisitions over the past few years. Operatingintangible assets primarily consist of customer related intangibles. These intangible assets are amortized over their useful lives.\nAmortization of other intangible assets is as follows as of the dates indicated:\n Years Ended December 31,\n 2023 2022 2021\nPurchased intangible assets $ 77.9 $ 69.7 $ 65.8 \nOperating intangible assets 20.2 24.8 23.1 \nTotal $ 98.1 $ 94.5 $ 88.9 \nThe estimated amortization of other intangible assets with finite lives for the next five years and thereafter is as follows: \nF-45", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2025, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "26287a06-6002-4b80-a7a8-1e5e76c26276": {"__data__": {"id_": "26287a06-6002-4b80-a7a8-1e5e76c26276", "embedding": null, "metadata": {"page_label": "119", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3534e2fc-1b1a-4bd0-a0bc-5efec3d29cf6", "node_type": "4", "metadata": {"page_label": "119", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "434a6ed7661b8b4e4bd9ae5191612dbc6b0a281bf3eba65d26b172fc4a832bd6", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Year Purchased IntangibleAssets Operating IntangibleAssets Total\n2024 $ 69.6 $ 23.4 $ 93.0 2025 66.0 24.0 90.0 \n2026 61.1 21.5 82.6 2027 50.2 17.9 68.1 2028 44.4 11.7 56.1 \nThereafter 165.0 2.0 167.0 \nTotal other intangible assets with finite lives $ 456.3 $ 100.5 $ 556.8 \n17. Reserves\nShort Duration Contracts\nContinuing Business (Global Lifestyle and Global Housing)\nThe Company\u2019s short duration contracts include products and services within the Global Lifestyle and Global Housing segments. The main product lines forGlobal Lifestyle include mobile device protection, extended service contracts for consumer electronics and appliances, and credit and other insurance. The mainproduct lines for Global Housing include lender-placed homeowners, manufactured housing and flood insurance; voluntary manufactured housing, condominium andhomeowners insurance; and renters insurance.\nTotal IBNR reserves are determined by subtracting case basis incurred losses from the ultimate loss and loss adjustment expense estimates. Ultimate loss andloss adjustment expenses are estimated utilizing generally accepted actuarial loss reserving methods. The reserving methods employed by the Company include theChain Ladder, Munich Chain Ladder and Bornhuetter-Ferguson methods. Reportable catastrophe losses are analyzed and reserved for separately using a frequencyand severity approach. The methods involve aggregating paid and case-incurred loss data by accident quarter (or accident year) and accident age for each productgrouping. As the data ages, loss development factors are calculated that measure emerging claim development patterns between reporting periods. By selecting lossdevelopment factors indicative of remaining development, known losses are projected to an ultimate incurred basis for each accident period. The underlying premiseof the Chain Ladder method is that future claims development is best estimated using past claims development, whereas the Bornhuetter-Ferguson method employs acombination of past claims development and an estimate of ultimate losses based on an expected loss ratio. The Munich Chain Ladder method takes into account thecorrelations between paid and incurred development in projecting future development factors and is typically more applicable to products experiencing greatervariability in incurred to paid ratios.\nThe best estimate of ultimate loss and loss adjustment expense is generally selected from a blend of the different methods that are applied consistently eachperiod considering significant assumptions, including projected loss development factors and expected loss ratios. There have been no significant changes in themethodologies and assumptions utilized in estimating the liability for unpaid loss and loss adjustment expenses for any of the periods presented.\nNon-core Operations\nShort duration contracts in non-core operations consist of the sharing economy and small commercial products previously reported within Global Housing.While the contracts are classified as short duration, the coverages were predominantly commercial liability and have a long reporting and settlement tail compared toproperty coverages which make up most of the Company\u2019s core operations.\nThe reserving methodology described for continuing short duration business is applicable for non-core operations. Given the nature of commercial liabilitycoverages and its relatively long claim runoff duration, additional emphasis is placed on social inflation impacts and analysis of individual case reserve adequacy onknown claims. This is done through use of average cost per claim methods that include allowance for future inflation impacts, detailed open claim inventory analysis,and leveraging industry development patterns to supplement the Company\u2019s own historical claims experience.\nDisposed and Runoff Short Duration Insurance Lines\nShort duration contracts within the disposed business include certain medical policies no longer offered and Assurant Employee Benefits policies disposed ofvia reinsurance. Reserves and reinsurance recoverables for previously disposed business are included in the consolidated balance sheets. See Note 18 for additionalinformation.\nF-46", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4202, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "2ee443d6-c44f-494a-bcb0-b24092db1388": {"__data__": {"id_": "2ee443d6-c44f-494a-bcb0-b24092db1388", "embedding": null, "metadata": {"page_label": "120", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "be9434f1-a1ce-4d7b-b960-9b6ba9f463f8", "node_type": "4", "metadata": {"page_label": "120", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "1264b23bfe24c2ca9ac0b4601169ec0929f584c1c08a3a91388750c419488373", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The Company has runoff exposure to asbestos, environmental and other general liability claims arising from the Company\u2019s participation in certain reinsurancepools from 1971 through 1985 from contracts discontinued many years ago. The amount of carried case reserves are based on recommendations of the various poolmanagers. Using information currently available, and after consideration of the reserves reflected in the consolidated financial statements, the Company does notbelieve or expect that changes in reserve estimates for these claims are likely to be material.\nLong Duration Contracts\nThe following table presents the balances and changes in the long-term care future policy benefits and expenses reserve:\nYears Ended December 31,\n2023 2022 2021\nPresent value of expected net premiums\nBalance, beginning of period $ 34.2 $ 37.1 $ 44.4 Beginning balance at original discount rate 33.4 29.2 33.7 Effect of changes in cash flow assumptions (1) 1.5 9.4 (3.2)\nEffect of actual variances from expected experience 3.5 (2.7) (2.4)\nAdjusted beginning of period balance 38.4 35.9 28.1 \nExperience variance (2) \u2014 (0.3) 2.4 Interest accrual 2.8 4.6 6.0 Net premiums collected (4.7) (6.8) (7.3)\nEnding balance at original discount rate 36.5 33.4 29.2 \nEffect of changes in discount rate assumptions (0.1) 0.8 7.9 \nBalance, end of period $ 36.4 $ 34.2 $ 37.1 \nPresent value of expected future policy benefitsBalance, beginning of period $ 462.4 $ 658.5 $ 683.2 Beginning balance at original discount rate 444.4 430.0 421.7 \nEffect of changes in cash flow assumptions (1) \u2014 12.3 (1.2)\nEffect of actual variances from expected experience 4.4 (3.3) (2.7)\nAdjusted beginning of period balance 448.8 439.0 417.8 Experience variance (2) 1.0 (1.2) (0.4)Interest accrual 19.5 24.7 29.3 \nBenefit payments (16.3) (18.1) (16.7)\nEnding balance at original discount rate 453.0 444.4 430.0 \nEffect of changes in discount rate assumptions (2.4) 18.0 228.5 \nBalance, end of period $ 450.6 $ 462.4 $ 658.5 \nNet future policy benefits and expenses $ 414.2 $ 428.2 $ 621.4 \nRelated reinsurance recoverable 414.2 428.2 621.4 \nNet future policy benefits and expenses, after reinsurancerecoverable $ \u2014 $ \u2014 $ \u2014 \nWeighted-average liability duration of the future policybenefits and expenses (in years) 12.0 12.7 13.0\n(1) The increase for the years ending December 31, 2023 and 2022 was primarily due to historical experience reflecting a decreasing trend in lapse and mortality rates on the long-term care insuranceproducts. The decrease for the year ending December 31, 2021 was primarily due to reduced expense assumptions.\nF-47", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2602, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "f2fab9da-7f0f-46c9-b2c9-98fea88e8733": {"__data__": {"id_": "f2fab9da-7f0f-46c9-b2c9-98fea88e8733", "embedding": null, "metadata": {"page_label": "121", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "77abf871-bcab-459a-aeed-5e46bb28132f", "node_type": "4", "metadata": {"page_label": "121", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "88bf74f714264bc7b69b44a74a98ee3f03e2c8aff965ab9f42c555040db454db", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "(2) Experience variance includes adverse development resulting from the allocation of the premium deficiency reserve to the cohort level for issue years where net premiums exceed gross premiums.\nThe following table presents a reconciliation of the long-term care net future policy benefits and expenses to the future policy benefits and expenses reserve inthe consolidated balance sheet:\nDecember 31, 2023 December 31, 2022\nLong-term care $ 414.2 $ 428.2 Other 73.0 79.7 \nTotal $ 487.2 $ 507.9 \nThe following table presents the amount of undiscounted expected future benefit payments and expected gross premiums for the long-term care insurancecontracts:\nDecember 31, 2023 December 31, 2022\nExpected future benefits payments $ 829.3 $ 850.0 \nExpected future gross premiums $ 69.4 $ 76.2 \nThe following table presents the amount of long-term care revenue and interest recognized in the consolidated statements of operations:\nYears Ended December 31,\n2023 2022 2021\nGross premiums $ 1.5 $ 1.7 $ 1.9 Interest expense (original discount rate) $ 5.6 $ 4.7 $ 5.1 \nThe following table presents the weighted-average interest rate for long-term care insurance contracts:\nDecember 31, 2023 December 31, 2022\nInterest expense (original discount rate) 5.95 % 5.95 %Current discount rate 6.01 % 5.52 %\nConcurrent with the transition period beginning January 1, 2021 for the adoption of ASU 2018-12, the Company elected to account for the long-term careinsurance contracts using reserve updates on a quarter lag whereby the September 30, 2020 cash flow and other assumptions are used for the pre-adoption December31, 2020 future policy benefits and expenses reserve. Under the modified retrospective method, the long-term care insurance contracts are grouped into cohorts basedon the contract\u2019s issue year. Premium deficiency reserves are allocated proportional to the cohort\u2019s reserve balance as of the transition date of December 31, 2020. Atthe cohort level, the NPR calculation is performed, and the unlocking of the NPR for cohorts in excess of 100% is recognized through opening retained earnings. Abalance sheet remeasurement of the revised future policy benefits and expenses reserve is recorded using the current discount rate as of December 31, 2020 with theremeasurement amount recorded through AOCI.\nDiscount rate changes between the original and current discount rate as of December 31, 2020 were significant. The original discount rate at transition is a spotrate of 5.95% which is based on the most recent premium deficiency unlocking discount rate prior to transition using asset yields from investments allocated to theproduct at the time of the unlocking of the assumption. The current discount rate at transition was 1.69% reflecting prevailing interest rates as of December 31, 2020.The amended guidance has no impact to consolidated stockholders\u2019 equity or net income on the long-term care insurance contracts as the reserves are fully reinsured.\nThe following table illustrates the impact of adoption on the long-term care insurance contracts:\nF-48", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3056, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "ddac9693-6c99-4b09-bff4-e17368834227": {"__data__": {"id_": "ddac9693-6c99-4b09-bff4-e17368834227", "embedding": null, "metadata": {"page_label": "122", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "da0ea63b-dd0b-463d-91f1-a0e024c7d70e", "node_type": "4", "metadata": {"page_label": "122", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ef327dfc05d41cccaf34f62951e513c7f67a026c50a35442a70145416869c1b1", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Future Policy Benefits and Expenses, pre-adoption December 31, 2020 $ 386.4 \nEffect of the remeasurement of the liability at current discount rate 250.8 Adjustment for loss contracts with NPR in excess of 100% under the modified retrospective approach 1.6 \nAdjusted balance, beginning of January 1, 2021 638.8 \nLess: reinsurance recoverable (638.8)\nFuture Policy Benefits and Expenses, beginning of year January 1, 2021, net of reinsurance $ \u2014 \nThe following presents the effect of transition adjustments on consolidated stockholders\u2019 equity:\nJanuary 1, 2021\nRetained Earnings Accumulated Other ComprehensiveLoss\n$ (1.6) $ (250.8)\nReserve Roll Forward\nThe following table provides a roll forward of the Company\u2019s beginning and ending claims and benefits payable balances. Claims and benefits payable is theliability for unpaid loss and loss adjustment expenses and are comprised of case and IBNR reserves. These balances do not include the recoverable amounts related tocertain high deductible policies in the sharing economy business, included in the non-core operations, for which the Company is responsible for paying the entirety ofthe claim and is subsequently reimbursed by the insured for the deductible portion of the claim. As of December 31, 2023, the Company had exposure of$369.5 million of reserves below the deductible that it would be responsible for if the clients were to default on their contractual obligation to pay the deductible.Refer to Note 5 for more information on the evaluation of the credit risk exposure from these recoverables.\nSince unpaid loss and loss adjustment expenses are estimates, the Company\u2019s actual losses incurred may be more or less than the Company\u2019s previouslydeveloped estimates, which is referred to as either unfavorable or favorable development, respectively.\nThe best estimate of ultimate loss and loss adjustment expenses is generally selected from a blend of methods that are applied consistently each period. Therehave been no significant changes in the methodologies and assumptions utilized in estimating the liability for unpaid loss and loss adjustment expenses for any of theperiods presented.\nYears Ended December 31,\n2023 2022 2021\nClaims and benefits payable, at beginning of year $ 2,210.0 $ 1,523.0 $ 1,510.4 \nLess: Reinsurance ceded and other (1,228.8) (744.1) (741.0)\nNet claims and benefits payable, at beginning of year 981.2 778.9 769.4 \nIncurred losses and loss adjustment expenses related to:Current year 2,548.4 2,304.3 2,213.5 \nPrior years (26.6) 55.5 (11.6)\nTotal incurred losses and loss adjustment expenses 2,521.8 2,359.8 2,201.9 \nPaid losses and loss adjustment expenses related to:Current year 1,802.3 1,648.1 1,687.3 \nPrior years 598.1 509.4 505.1 \nTotal paid losses and loss adjustment expenses 2,400.4 2,157.5 2,192.4 \nNet claims and benefits payable, at end of year 1,102.6 981.2 778.9 \nPlus: Reinsurance ceded and other (1) (2) 886.6 1,228.8 744.1 \nClaims and benefits payable, at end of year (1) $ 1,989.2 $ 2,210.0 $ 1,523.0 \n(1) Includes reinsurance recoverables and claims and benefits payable of $123.6 million, $424.3 million and $143.8 million as of December 31, 2023, 2022 and 2021, respectively, which were ceded to theU.S. government. The Company acts as an administrator for the U.S. government under the voluntary National Flood Insurance Program.(2) The balance reflects a $2.0 million transfer to liabilities held for sale as of December 31, 2021.\nF-49", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3451, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "cbe37eee-d959-47b4-b3a0-e9ab3ac04398": {"__data__": {"id_": "cbe37eee-d959-47b4-b3a0-e9ab3ac04398", "embedding": null, "metadata": {"page_label": "123", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "ad3113f9-38ab-4431-805d-e6f14fc12c48", "node_type": "4", "metadata": {"page_label": "123", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e28359056aff915d2f811ada6cd52ce21921c9afc83f71114c2012ea0e2af021", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "331c6cff-98f1-4ebb-ab17-eebea9564ede", "node_type": "1", "metadata": {}, "hash": "c44a8de30962ba2be4d1a9fd46e1ddf80e269b8c5f1027fd6aadc5d77a63ee65", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "A comparison of net (favorable) unfavorable prior year development is shown below across the Company\u2019s current and former segments and businesses.\nPrior Year Incurred Loss Development for the Years Ending December 31,\n2023 2022 2021\nGlobal Lifestyle $ (23.6) $ (45.4) $ (32.9)Global Housing (37.1) 28.9 6.7 Non-core operations 40.1 77.4 23.3 \nAll Other (6.0) (5.4) (8.7)\nTotal $ (26.6) $ 55.5 $ (11.6)\nThe Company experienced net favorable loss development for the year ended December 31, 2023, net unfavorable loss development for the year endedDecember 31, 2022, and net favorable loss development for the year ended December 31, 2021. Global Lifestyle experienced net favorable development in 2023,2022 and 2021 of $23.6 million, $45.4 million and $32.9 million, respectively. The decrease in net favorable development from 2022 to 2023 was primarily due toGlobal Automotive ancillary products as the used car market began to normalize in 2023 and the high net favorable development experienced in 2022 did not repeat.Global Housing experienced net favorable loss development of $37.1 million in 2023 as claim experience for lender-placed homeowners insurance developedfavorably due to easing inflation and legislation reform in Florida. Global Housing experienced net unfavorable development of $28.9 million in 2022 primarily dueto lender-placed homeowners insurance affected by longer claim settlement lags and inflationary impacts. Global Housing experienced net unfavorable developmentof $6.7 million in 2021, primarily attributable to prior year reportable catastrophes. The non-core operations, which includes the sharing economy and smallcommercial businesses, contributed net unfavorable loss development of $40.1 million, $77.4 million, and $23.3 million in 2023, 2022 and 2021, respectively. Amore detailed explanation of the claims development from Global Lifestyle, Global Housing and non-core operations is presented below, including claimsdevelopment by accident year. Reserves for the longer-tail property and casualty coverages included in All Other (e.g., asbestos, environmental and other generalliability) had no material changes in estimated amounts for claims incurred in prior years.\nThe following tables represent the Global Lifestyle, Global Housing and non-core operations incurred claims and allocated claim adjustment expenses, net ofreinsurance, less cumulative paid claims and allocated claim adjustment expenses, net of reinsurance to reconcile to total claims and benefits payable, net ofreinsurance as of December 31, 2023. The tables provide undiscounted information about claims development by accident year for the significant short durationclaims and benefits payable balances.\nThe following factors are relevant to the loss development information included in the tables below:\n\u2022 Table Presentation: The tables are organized by accident year. For certain categories of claims and for reinsurance recoverables, losses may sometimes bereclassified to an earlier or later accident year as more information about the date of occurrence becomes available to us. These reclassifications are shownas development in the respective years in the tables below. Predominantly, the Company writes short-tail lines that are written on an occurrence basis. Fiveyears of claims development information is provided since most of the claims are fully developed after five years, as shown in the average payout ratiotables.\n\u2022 Table Groupings: The groupings have homogeneous risk characteristics with similar development patterns and would generally be subject to similar trendsand reflect our reportable segments.\n\u2022 Impact of Reinsurance: The reinsurance program varies by exposure type. Historically, the Company has leveraged facultative and treaty reinsurance, bothon pro-rata and excess of loss basis. The reinsurance program may change from year to year, which may affect the comparability of the data presented in thetables.\n\u2022 IBNR: Includes development from past reported losses in IBNR.\n\u2022 Information excluded from tables: Unallocated loss adjustment expenses are excluded from the tables.\n\u2022 Foreign exchange rates: The loss development for operations outside of the U.S. is presented for all accident years using the current exchange rates atDecember 31, 2023. Although this approach requires restating all prior accident year information, the changes in exchange rates do not impact incurred andpaid loss development trends.\n\u2022 Acquisitions: Includes acquisitions from all accident years presented in the tables. For purposes of this disclosure, we have applied the retrospective methodfor the acquired reserves, including incurred and paid claim development histories throughout the relevant tables.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4731, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "331c6cff-98f1-4ebb-ab17-eebea9564ede": {"__data__": {"id_": "331c6cff-98f1-4ebb-ab17-eebea9564ede", "embedding": null, "metadata": {"page_label": "123", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "ad3113f9-38ab-4431-805d-e6f14fc12c48", "node_type": "4", "metadata": {"page_label": "123", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e28359056aff915d2f811ada6cd52ce21921c9afc83f71114c2012ea0e2af021", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "cbe37eee-d959-47b4-b3a0-e9ab3ac04398", "node_type": "1", "metadata": {"page_label": "123", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "3ab6af7e8246bedd2e3d9fafd9680b34f05be2da06aa21179eb157f5c951bad5", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "It should be noted that historical reservesfor the acquired business were established by the acquired companies using methods, assumptions and procedures then in effect which may differ\nF-50", "mimetype": "text/plain", "start_char_idx": 4732, "end_char_idx": 4922, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "d18100f0-b13d-4d52-9a95-8f41889fe8c9": {"__data__": {"id_": "d18100f0-b13d-4d52-9a95-8f41889fe8c9", "embedding": null, "metadata": {"page_label": "124", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "f5bd73cc-b53b-462a-aa5f-3e46fb62fa90", "node_type": "4", "metadata": {"page_label": "124", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "8053c2ffe5a5754ebc1ff5c636165347b5145377b4ef8853fe4350ef5d501718", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "from our current reserving bases. Accordingly, it may not be appropriate to extrapolate future reserve adequacy based on the aggregated historical resultsshown in the tables.\n\u2022 Dispositions: Excludes dispositions from all accident years presented in the tables.\n\u2022 Claim counts: Considers a reported claim to be one claim for each claimant or feature for each loss occurrence. Reported claims for losses from assumedreinsurance contracts are not available and hence not included in the reported claims. There are limitations that should be considered on the reported claimcount data in the tables below, including:\n\u25e6 Claim counts are presented only on a reported (not an ultimate) basis;\n\u25e6 The tables below include lines of business and geographies at a certain aggregated level which may indicate different frequency and severity trendsand characteristics, and may not be as meaningful as the claim count information related to the individual products within those lines of businessand geographies;\n\u25e6 Certain lines of business are more likely to be subject to occurrences involving multiple claimants and features, which can distort measures basedon the reported claim counts in the table below; and\n\u25e6 Reported claim counts are not adjusted for ceded reinsurance, which may distort the measure of frequency or severity.\n\u2022 Required Supplemental Information: The information about incurred and paid loss development for all periods preceding year ended December 31, 2023and the related historical claims payout percentage disclosure is unaudited and is presented as required supplementary information.\nGlobal Lifestyle Net Claims Development Tables\nIncurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance December 31, 2023\nYears Ended December 31,\nTotal of Incurred-but-Not Reported Liabilities PlusExpected Development on Reported Claims (1) Cumulative Number ofReported Claims (2)Accident Year 2019 Unaudited 2020 Unaudited 2021 Unaudited 2022 Unaudited 2023\n2019 $ 1,524.0 $ 1,505.8 $ 1,502.4 $ 1,501.2 $ 1,499.8 $ 0.5 9,890,635 \n2020 1,456.0 1,427.6 1,428.1 1,425.6 0.8 9,658,308 \n2021 1,363.2 1,308.2 1,304.9 3.2 9,809,037 \n2022 1,398.1 1,381.5 9.4 9,367,577 \n2023 1,632.1 182.9 7,598,189 \nTotal$ 7,243.9 \nCumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance\nYears Ended December 31,\nAccident Year 2019 Unaudited 2020 Unaudited 2021 Unaudited 2022 Unaudited 2023\n2019 $ 1,299.9 $ 1,485.4 $ 1,492.6 $ 1,495.3 $ 1,496.6 \n2020 1,227.9 1,410.4 1,417.4 1,419.5 \n2021 1,129.9 1,294.2 1,298.7 \n2022 1,168.6 1,366.6 \n2023 1,365.5 \nTotal$ 6,946.9 \nOutstanding claims and benefits payable before 2019, net of reinsurance 7.3 \nClaims and benefits payable, net of reinsurance$ 304.3 \nAverage Annual Payout of Incurred Claims by Age, Net of Reinsurance\nYear 1 Unaudited Year 2 Unaudited Year 3 Unaudited Year 4 Unaudited Year 5 Unaudited\n86.2% 13.1% 0.4% 0.2% 0.1%\n(1) Includes a provision for development on case reserves.(2) Number of paid claims plus open (pending) claims. Claim count information related to ceded reinsurance is not reflected as it cannot be reasonably defined or quantified, given that the Company\u2019sreinsurance includes non-proportional treaties.\nUsing the December 31, 2023 foreign exchange rates for all years, Global Lifestyle experienced $23.6 million of net favorable loss development for the yearended December 31, 2023, compared to net favorable loss development of $45.4\nF-51", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3445, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "8db87393-b1b7-4741-8be0-2001e61dcdac": {"__data__": {"id_": "8db87393-b1b7-4741-8be0-2001e61dcdac", "embedding": null, "metadata": {"page_label": "125", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "92f1e748-7486-435c-a436-81a385785f7f", "node_type": "4", "metadata": {"page_label": "125", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "c1a9b7d277d6492b80de81a39e85816563a6d3a1e0ce774f217bf1bad055b233", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "72154165-561d-4bb8-95ae-3f82121ca459", "node_type": "1", "metadata": {}, "hash": "b30c132c690a0cc455ecfe4b573a15d62f299f2d9fe50231ec86a0ccbe956c59", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "million and $32.9 million for the years ended December 31, 2022 and 2021, respectively. These amounts are based on the change in net incurred losses from theclaims development tables above, plus additional impacts from accident years prior to 2019. Many of these contracts and products contain retrospective commission(profit sharing) provisions that would result in offsetting increases or decreases in expense dependent on if the development was favorable or unfavorable.  \nDevelopment from Global Lifestyle is attributable to nearly all lines of business across most of the Company\u2019s regions with a concentration on more recentaccident years and based on emerging evaluations regarding loss experience each period. For the year ended December 31, 2023, the Global Lifestyle net favorabledevelopment of $23.6 million was attributable to Connected Living which contributed $26.2 million comprised of $14.7 million from credit and other insurance,$6.0 million from mobile and $5.5 million from extended service contracts. The favorable development from credit and other insurance was primarily due tofavorable runoff of credit products in Europe and from Canada credit and travel programs where loss assumptions related to inflation and COVID-19 did notmaterialize. For extended service contracts, improving data maturity on a large client resulted in favorable reserve refinements. Global Automotive experienced netunfavorable development of $2.7 million, driven by inflationary impacts on parts and labor costs. For the year ended December 31, 2022, the Global Lifestyle netfavorable development was primarily attributable to reserve releases in Global Automotive ancillary products due to the strong used vehicle market. For the yearended December 31, 2021, the release of reserves associated with potential COVID-19-related claims that have not materialized was a contributing factor.\nForeign exchange rate movements over time caused some of the reserve differences shown in the reserve roll forward and prior year incurred loss tables to varyfrom what is reflected in the claims development tables for Global Lifestyle. The impacts by year were $0.3 million, $(0.4) million, and $(0.7) million for the yearsended December 31, 2023, 2022 and 2021, respectively. The claims development tables above remove the impact due to changing foreign exchange rates over timefor comparability.\nGlobal Housing Net Claims Development Tables\nIncurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance December 31, 2023\nYears Ended December 31, Total of Incurred-but-Not Reported LiabilitiesPlus Expected Development on Reported Claims(1) Cumulative Number ofReported Claims (2)Accident Year 2019 Unaudited 2020 Unaudited 2021 Unaudited 2022 Unaudited 2023\n2019 $ 729.9 $ 712.7 $ 714.3 $ 722.8 $ 721.3 $ 6.8 182,659 \n2020 804.2 804.8 834.5 848.9 21.0 191,156 \n2021 784.0 769.0 770.5 34.1 194,363 \n2022 862.4 809.4 89.3 185,983 \n2023 901.4 387.6 163,511 \nTotal$ 4,051.5 \nCumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance\nYears Ended December 31,\nAccident Year 2019 Unaudited 2020 Unaudited 2021 Unaudited 2022 Unaudited 2023\n2019 $ 481.4 $ 656.2 $ 691.8 $ 709.3 $ 712.7 \n2020 528.9 730.1 793.0 820.8 \n2021 517.6 690.3 727.8 \n2022 467.7 701.3 \n2023 450.9 \nTotal$ 3,413.5 \nOutstanding claims and benefits payable before 2019, net of reinsurance 12.4 \nClaims and benefits payable, net of reinsurance$ 650.4 \nAverage Annual Payout of Incurred Claims by Age, Net of Reinsurance\nYear 1 Unaudited Year 2 Unaudited Year 3 Unaudited Year 4 Unaudited Year 5 Unaudited\n64.2% 26.2% 6.1% 3.0% 0.5%\n(1) Includes a provision for development on case reserves.(2) Number of paid claims plus open (pending) claims. Claim frequency is determined at a claimant reporting level.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3795, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "72154165-561d-4bb8-95ae-3f82121ca459": {"__data__": {"id_": "72154165-561d-4bb8-95ae-3f82121ca459", "embedding": null, "metadata": {"page_label": "125", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "92f1e748-7486-435c-a436-81a385785f7f", "node_type": "4", "metadata": {"page_label": "125", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "c1a9b7d277d6492b80de81a39e85816563a6d3a1e0ce774f217bf1bad055b233", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "8db87393-b1b7-4741-8be0-2001e61dcdac", "node_type": "1", "metadata": {"page_label": "125", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "aab101a66df24af27006de41082f08803f37dc4227f804fd41ef510b2e98e2de", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Claim frequency is determined at a claimant reporting level. Depending on the nature of the product and related coverage triggers, it is possible for aclaimant to contribute multiple claim counts in a given policy period. Claim count information related to\nF-52", "mimetype": "text/plain", "start_char_idx": 3735, "end_char_idx": 3996, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "b2299ef4-7209-4b23-b6a7-bde56a9c54dc": {"__data__": {"id_": "b2299ef4-7209-4b23-b6a7-bde56a9c54dc", "embedding": null, "metadata": {"page_label": "126", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d86b2f55-995e-4c10-8d19-7bab4dafa4ec", "node_type": "4", "metadata": {"page_label": "126", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b4a9f8ffffe02d3eb7751113d4548f4af052f8280bb9be114287e71695109100", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "ceded reinsurance is not reflected as it cannot be reasonably defined or quantified, given that the Company\u2019s reinsurance includes non-proportional treaties.\nFor the year ended December 31, 2023, Global Housing experienced $37.1 million of net favorable loss development, compared to net unfavorable lossdevelopment of $28.9 million and $6.7 million for the years ended December 31, 2022 and 2021, respectively. These amounts are based on the change in net incurredlosses from the claims development data above, plus additional impacts from accident years prior to 2019. For the year ended December 31, 2023, the net favorabledevelopment for Global Housing was attributable to non-catastrophe claim experience for lender-placed homeowners insurance, primarily accident year 2022, due tofavorable inflation and frequency trends and legislative reforms in Florida. Unfavorable development on prior catastrophes, Winter Storm Elliott from accident year2022 and Tropical Storm Eta from accident year 2020, partially offset the net favorable development. For the year ended December 31, 2022, the net unfavorabledevelopment for Global Housing was attributable to lender-placed homeowners insurance due to rising loss costs from inflation impacting recent accident years,coupled with lengthening claim settlement lags and Tropical Storm Eta development from accident year 2020. For the year ended December 31, 2021, the netunfavorable development for Global Housing was attributable to lender-placed homeowners insurance, primarily accident year 2020, due to longer claim settlementlags for water damage claims and inflation.\nNon-core Operations Net Claims Development Tables\nIncurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance December 31, 2023\nYears Ended December 31,\nTotal of Incurred-but-Not Reported Liabilities PlusExpected Development on Reported Claims (1) Cumulative Number ofReported Claims (2)Accident Year 2019 Unaudited 2020 Unaudited 2021 Unaudited 2022 Unaudited 2023\n2019 $ 117.2 $ 133.6 $ 146.8 $ 163.3 $ 157.8 $ 14.6 22,846 \n2020 39.1 40.4 63.2 77.6 17.3 22,956 \n2021 38.9 62.2 87.1 29.7 20,421 \n2022 34.4 40.4 19.4 12,193 \n2023 6.3 3.0 1,033 \nTotal$ 369.2 \nCumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance\nYears Ended December 31,\nAccident Year 2019 Unaudited 2020 Unaudited 2021 Unaudited 2022 Unaudited 2023\n2019 $ 56.7 $ 95.8 $ 116.1 $ 131.3 $ 142.4 \n2020 14.8 22.8 35.4 53.5 \n2021 12.8 27.4 47.3 \n2022 7.2 15.3 \n2023 2.9 \nTotal$ 261.4 \nOutstanding claims and benefits payable before 2019, net of reinsurance 6.7 \nClaims and benefits payable, net of reinsurance$ 114.5 \nAverage Annual Payout of Incurred Claims by Age, Net of Reinsurance\nYear 1 Unaudited Year 2 Unaudited Year 3 Unaudited Year 4 Unaudited Year 5 Unaudited\n31.2% 21.0% 20.2% 19.3% 8.3%\n(1) Includes a provision for development on case reserves.(2) Number of paid claims plus open (pending) claims. Claim frequency is determined at a claimant reporting level. Depending on the nature of the product and related coverage triggers, it is possible for aclaimant to contribute multiple claim counts in a given policy period. Claim count information related to ceded reinsurance is not reflected as it cannot be reasonably defined or quantified, given that theCompany\u2019s reinsurance includes non-proportional treaties.\nF-53", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3357, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "499f4235-a71e-4322-9224-c05b04c86730": {"__data__": {"id_": "499f4235-a71e-4322-9224-c05b04c86730", "embedding": null, "metadata": {"page_label": "127", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a5cf5b57-4cfc-4ecf-9db2-92ed872146ef", "node_type": "4", "metadata": {"page_label": "127", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "c08a20084ed1873b9ddc5ca5ebdadbd24d5b626dd4ea8038b9065801e223df3b", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "For the years ended December 31, 2023, 2022 and 2021, non-core operations contributed net unfavorable loss development of $40.1 million, $77.4 million, and$23.3 million, including $(0.5) million, $15.3 million and $16.2 million from small commercial and $40.6 million, $62.1 million and $7.1 million from sharingeconomy products, respectively. The Company stopped writing new small commercial business in 2019 and the claims are in runoff. For the year ended December31, 2023, the net unfavorable development in sharing economy was attributable to reserve increases related to higher frequency expectations for the number of claimsclosed with indemnity payment and total reported claims, primarily for accident years 2020 and 2021. In second quarter 2023, the Company entered into a retroactivereinsurance treaty to cover certain known losses and adverse development up to a $50.0 million aggregate limit, relating to the small commercial business. For theyear ended December 31, 2022, the net unfavorable development from sharing economy was driven by emerging adverse claim development trends on known claimsas well as reserve assumption revisions to reflect relevant industry benchmarks. Both sharing economy and small commercial experienced unfavorable developmentin 2022 on known claims driven by social inflation and the release of the backlog from courts reopening after COVID-19. For the year ended December 31, 2021, thenet unfavorable development for sharing economy products and small commercial was due to reserve strengthening associated with prior reported claims and wasacross multiple accident years.\nReconciliation of the Disclosure of Net Incurred and Paid Claims Development to the Liability for Unpaid Claims and Benefits Payable\nDecember 31, 2023\nNet outstanding liabilitiesGlobal Lifestyle $ 304.3 Global Housing 650.4 \nNon-core operations 114.5 Other short-duration insurance lines (1) 16.7 \nDisposed business short-duration insurance lines (Assurant Health) 1.1 \nClaims and benefits payable, net of reinsurance 1,087.0 \nReinsurance recoverable on unpaid claimsGlobal Lifestyle (2) 464.0 \nGlobal Housing 328.4 Non-core operations 76.2 Other short-duration insurance lines (1) 1.8 \nDisposed business short-duration insurance lines (Assurant Employee Benefits and Assurant Health) 14.2 \nTotal reinsurance recoverable on unpaid claims 884.6 \nInsurance lines other than short-duration (3) 2.3 \nUnallocated claim adjustment expense 15.3 \nTotal claims and benefits payable $ 1,989.2 \n(1) Asbestos and pollution reserves represents $14.7 million of the other short-duration insurance lines, with $1.2 million recoveries.(2) Disposed of property and casualty business represents $162.8 million of the $464.0 million in reinsurance recoverables for Global Lifestyle.(3) Amount consists of certain long-duration contract exposures, primarily disabled life reserves of the long-term care business which are fully ceded through reinsurance. Refer to Note 2 for further details.\n18. Reinsurance\nIn the ordinary course of business, the Company is involved in both the assumption and cession of reinsurance with non-affiliated companies. The Company\u2019sreinsurance agreements do not relieve the Company from its direct obligation to its insureds. Thus, a credit exposure exists to the extent that any reinsurer is unable tomeet the obligations assumed in the reinsurance agreements. The following table provides details of the reinsurance recoverables balance as of the dates indicated:\nF-54", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3497, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "995cb34e-da6f-4a5e-a690-b78e5ea1fe0e": {"__data__": {"id_": "995cb34e-da6f-4a5e-a690-b78e5ea1fe0e", "embedding": null, "metadata": {"page_label": "128", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "731b39bb-ecfc-405b-9b9a-fb64faa0f356", "node_type": "4", "metadata": {"page_label": "128", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "682b394514a344ccaf8b263c4fc91774600104ffb42a1a805ffe676fd1334013", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "af70854e-ca4f-48fc-a2d6-9fd3256c52d0", "node_type": "1", "metadata": {}, "hash": "ae0dd33eb5d309423115f41cd0b521af900879249c49dffd1ce2f8a70138304e", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "December 31,\n2023 2022\nCeded future policyholder benefits and expense $ 339.9 $ 354.3 Ceded unearned premium 5,265.2 5,162.2 Ceded claims and benefits payable 971.4 1,313.7 \nCeded paid losses 72.7 169.2 \nTotal $ 6,649.2 $ 6,999.4 \nA key credit quality indicator for reinsurance is the A.M. Best Company (\u201cA.M. Best\u201d) financial strength ratings of the reinsurer. A.M. Best financial strengthratings are an independent opinion of a reinsurer\u2019s ability to meet ongoing obligations to policyholders. The A.M. Best ratings for the reinsurers in new reinsuranceagreements where there is material credit exposure are reviewed at the time of execution. The A.M. Best ratings for existing reinsurance agreements are reviewed ona quarterly basis, or sooner based on developments. The following table provides the reinsurance recoverable as of December 31, 2023 grouped by A.M. Bestfinancial strength ratings:\nA.M. Best Rating ofReinsurer\nCeded futurepolicyholderbenefits andexpense\nCededunearnedpremiums\nCeded claimsand benefitspayable Ceded paidlosses Total\nA++ or A+ $ 330.2 $ 81.7 $ 288.5 $ 5.7 $ 706.1 \nA or A- 3.9 142.9 67.5 0.4 214.7 B++ or B+ 5.5 5.4 1.5 \u2014 12.4 Not Rated (1) 0.3 5,035.2 613.9 71.4 5,720.8 \nTotal 339.9 5,265.2 971.4 77.5 6,654.0 Less: Allowance \u2014 \u2014 \u2014 (4.8) (4.8)\nNet reinsurance recoverable $ 339.9 $ 5,265.2 $ 971.4 $ 72.7 $ 6,649.2 \n(1) Not Rated ceded claims and benefits payable included reinsurance recoverables of $123.6 million as of December 31, 2023 which were ceded to the U.S. government. The Company acts as anadministrator for the U.S. government under the voluntary National Flood Insurance Program.\nA substantial portion of the Not Rated category is related to Global Lifestyle\u2019s and Global Housing\u2019s agreements to reinsure premiums and risks related tobusiness generated by certain clients to the clients\u2019 own captive insurance companies or to reinsurance subsidiaries in which the clients have an ownership interest. Tomitigate exposure to credit risk for these reinsurers, the Company evaluates the financial condition of the reinsurer and typically holds substantial collateral (in theform of funds withheld, trusts and letters of credit) as security.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2185, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "af70854e-ca4f-48fc-a2d6-9fd3256c52d0": {"__data__": {"id_": "af70854e-ca4f-48fc-a2d6-9fd3256c52d0", "embedding": null, "metadata": {"page_label": "128", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "731b39bb-ecfc-405b-9b9a-fb64faa0f356", "node_type": "4", "metadata": {"page_label": "128", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "682b394514a344ccaf8b263c4fc91774600104ffb42a1a805ffe676fd1334013", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "995cb34e-da6f-4a5e-a690-b78e5ea1fe0e", "node_type": "1", "metadata": {"page_label": "128", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "0e1dd433bf28a21f16d33289800bbc5c4c6cbea5e48ba6f756809e52607a5b76", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The effect of reinsurance on premiums earned and benefits incurred was as follows for the periods indicated: \n  Years Ended December 31,\n  2023 2022 2021\n  LongDuration ShortDuration Total LongDuration ShortDuration Total LongDuration ShortDuration Total\nDirect earned premiums $ 14.4 $ 18,308.4 $ 18,322.8 $ 19.3 $ 17,475.3 $ 17,494.6 $ 96.6 $ 15,813.5 $ 15,910.1 \nPremiums assumed \u2014 186.4 186.4 \u2014 196.7 196.7 \u2014 168.5 168.5 \nPremiums ceded (7.9) (9,113.3) (9,121.2) (12.3) (8,913.7) (8,926.0) (88.5) (7,418.0) (7,506.5)\nNet earned premiums $ 6.5 $ 9,381.5 $ 9,388.0 $ 7.0 $ 8,758.3 $ 8,765.3 $ 8.1 $ 8,564.0 $ 8,572.1 \nDirect policyholder benefits $ 36.5 $ 7,568.2 $ 7,604.7 $ 55.6 $ 7,616.8 $ 7,672.4 $ 322.2 $ 5,948.5 $ 6,270.7 \nPolicyholder benefitsassumed \u2014 241.9 241.9 \u2014 163.4 163.4 \u2014 139.0 139.0 \nPolicyholder benefits ceded (31.8) (5,293.0) (5,324.8) (51.8) (5,424.2) (5,476.0) (315.0) (3,892.8) (4,207.8)\nNet policyholder benefits $ 4.7 $ 2,517.1 $ 2,521.8 $ 3.8 $ 2,356.0 $ 2,359.8 $ 7.2 $ 2,194.7 $ 2,201.9 \n \nThe Company had zero invested assets held in trusts or by custodians as of December 31, 2023 and 2022, for the benefit of others related to certain reinsurancearrangements.\nF-55", "mimetype": "text/plain", "start_char_idx": 2186, "end_char_idx": 3384, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "12e619a3-4317-443d-9866-ce1ede0bcb13": {"__data__": {"id_": "12e619a3-4317-443d-9866-ce1ede0bcb13", "embedding": null, "metadata": {"page_label": "129", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "808f418f-7e07-4f60-a684-73f47162a6a2", "node_type": "4", "metadata": {"page_label": "129", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "34373d278acd46dc7ff10f73ae2615354852b22f6b5b3351773c54c73a9bd4ed", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The Company utilizes ceded reinsurance for loss protection and capital management, segment client risk and profit sharing and business divestitures.\nLoss Protection and Capital Management\nAs part of the Company\u2019s overall risk and capacity management strategy, the Company purchases reinsurance for certain risks underwritten by the Company\u2019svarious segments, including significant individual or catastrophic claims.\nFor those product lines where there is exposure to losses from catastrophe events, the Company closely monitors and manages its aggregate risk exposure bygeographic area. The Company has entered into reinsurance treaties to manage exposure to these types of events.\nSegment Client Risk and Profit Sharing\nThe Global Lifestyle and Global Housing segments write business produced by their clients, such as mobile providers, auto dealers, mortgage lenders andservicers, and financial institutions, and reinsure all or a portion of such business to insurance subsidiaries of some clients. Such arrangements allow significantflexibility in structuring the sharing of risks and profits on the underlying business.\nA substantial portion of Global Lifestyle\u2019s and Global Housing\u2019s reinsurance activities are related to agreements to reinsure premiums and risks related tobusiness generated by certain clients to the clients\u2019 own captive insurance companies or to reinsurance subsidiaries in which the clients have an ownership interest.Through these arrangements, the Company\u2019s insurance subsidiaries share some of the premiums and risk related to client-generated business. When the reinsurancecompanies are not authorized to do business in the state of domicile of the Company\u2019s insurance subsidiary, the Company\u2019s insurance subsidiary generally obtainscollateral, such as a trust or a letter of credit, from the reinsurance company or its affiliate in an amount equal to the outstanding reserves to obtain full statutoryfinancial credit in the domiciliary state for the reinsurance.\nBusiness Divestitures\nThe Company has used reinsurance to sell certain businesses in the past because the businesses shared legal entities with operating segments that the Companyretained. Assets backing reserves reinsured under these sales are mainly held in trusts or separate accounts. If the reinsurers became insolvent, the Company would beexposed to the risk that the assets in the trusts or the separate accounts, if any, could prove insufficient to support the liabilities that would revert back to theCompany. The reinsurance recoverables relating to these divestitures amounted to $599.7 million as of December 31, 2023, of which $416.0 million was attributableto John Hancock, which reinsures the long-term care business and has an A.M. Best financial strength rating of A+ with a stable outlook.\nIn addition, the Company would be responsible for administering these businesses in the event of reinsurer insolvency. The Company does not currently havethe administrative systems and capabilities to process these businesses. Accordingly, the Company would need to obtain those capabilities in the event of aninsolvency of one or more of the reinsurers of these businesses. The Company might be forced to obtain such capabilities on unfavorable terms with a resultingmaterial adverse effect on our results of operations and financial condition.\nAs of December 31, 2023, the Company was not aware of any regulatory actions taken with respect to the solvency of the insurance subsidiaries of JohnHancock and the Company has not been obligated to fulfill any of its obligations. John Hancock has paid its obligations when due and there have been no disputes.\nF-56", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3663, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "2da55532-c052-4a92-b2e5-233196ff1b73": {"__data__": {"id_": "2da55532-c052-4a92-b2e5-233196ff1b73", "embedding": null, "metadata": {"page_label": "130", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "77e0392a-a591-40e3-b053-0728e607e2ce", "node_type": "4", "metadata": {"page_label": "130", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "995e92c2e8b38eefb00dbb72f3e9b7e13282a72cd0196a19be385f976de9f225", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "2fdf18a6-3c21-43c2-8e62-4d644f2fe81f", "node_type": "1", "metadata": {}, "hash": "6d31701bda332ff64302d52af3e3263ec357333ba20ae6e337f3ebcd3e39febd", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "19. Debt\nThe following table shows the principal amount and carrying value of the Company\u2019s outstanding debt, less unamortized discount and issuance costs asapplicable, as of December 31, 2023 and 2022:\nDecember 31, 2023 December 31, 2022\nPrincipal Amount Carrying Value Principal Amount Carrying Value\n4.20% Senior Notes due September 2023 \u2014 \u2014 225.0 224.7 6.10% Senior Notes due February 2026 175.0 173.7 \u2014 \u2014 4.90% Senior Notes due March 2028 300.0 298.2 300.0 297.8 \n3.70% Senior Notes due February 2030 350.0 347.9 350.0 347.6 2.65% Senior Notes due January 2032 350.0 347.0 350.0 346.7 6.75% Senior Notes due February 2034 275.0 272.7 275.0 272.5 \n7.00% Fixed-to-Floating Rate Subordinated Notes due March 2048(1) 400.0 397.0 400.0 396.5 \n5.25% Subordinated Notes due January 2061 250.0 244.1 250.0 244.1 \nTotal Debt $ 2,080.6 $ 2,129.9 \n(1) Bears a 7.00% annual interest rate to March 2028 and an annual interest rate equal to three-month LIBOR plus 4.135% thereafter. Under the terms of the debt agreement, a substitute or successor baserate will be used if the LIBOR base rate has been discontinued.\nFor the years ended December 31, 2023, 2022 and 2021, interest expense was $108.0 million, $108.3 million and $111.8 million, respectively. Interest expenseincludes derivative related activities described in the interest rate derivatives section below. There was $33.5 million and $32.3 million of accrued interest as ofDecember 31, 2023 and 2022, respectively.\nDebt Issuances\nSenior Notes\n2026 Senior Notes: In February 2023, the Company issued senior notes due February 2026 with an aggregate principal amount of $175.0 million, which bearinterest at a rate of 6.10% per year and were issued at a 0.035% discount to the public (the \u201c2026 Senior Notes\u201d). Interest on the 2026 Senior Notes is payable semi-annually in arrears on February 27 and August 27 of each year, beginning on August 27, 2023. Prior to January 27, 2026, the Company may redeem all or part of the2026 Senior Notes at a redemption price equal to 100% of the outstanding principal amount of the 2026 Senior Notes to be redeemed, plus a make-whole premium asdescribed in the 2026 Senior Notes and accrued and unpaid interest up to the redemption date. On or after that date, the Company may redeem all or part of the 2026Senior Notes at any time at a redemption price equal to 100% of the outstanding principal amount of the 2026 Senior Notes to be redeemed, plus accrued and unpaidinterest up to the redemption date.\n2032 Senior Notes: In June 2021, the Company issued senior notes with an aggregate principal amount of $350.0 million, which bear interest at a rate of 2.65%per year, mature in January 2032 and were issued at a 0.158% discount to the public (the \u201c2032 Senior Notes\u201d). Interest is payable semi-annually in arrears onJanuary 15 and July 15 of each year, beginning on January 15, 2022. Prior to October 15, 2031, the Company may redeem the 2032 Senior Notes at any time inwhole or from time to time in part at a make-whole premium plus accrued and unpaid interest. On or after that date, the Company may redeem the 2032 Senior Notesat any time in whole or from time to time in part at a redemption price equal to 100% of the principal amount being redeemed plus accrued and unpaid interest.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3280, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "2fdf18a6-3c21-43c2-8e62-4d644f2fe81f": {"__data__": {"id_": "2fdf18a6-3c21-43c2-8e62-4d644f2fe81f", "embedding": null, "metadata": {"page_label": "130", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "77e0392a-a591-40e3-b053-0728e607e2ce", "node_type": "4", "metadata": {"page_label": "130", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "995e92c2e8b38eefb00dbb72f3e9b7e13282a72cd0196a19be385f976de9f225", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "2da55532-c052-4a92-b2e5-233196ff1b73", "node_type": "1", "metadata": {"page_label": "130", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "689d94ee09108542dd8433e4da6339b1704dbab7c46a024f21ae39a8ed9422df", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "In July 2021, the Company used the net proceeds from the sale of the 2032 Senior Notes, together with cash on hand, to redeem all of the $350.0 millionoutstanding aggregate principal amount of its 4.00% senior notes due March 2023 and to pay accrued interest, related premiums, fees and expenses, including a losson extinguishment of debt of $20.7 million for the year ended December 31, 2021.\n2030 Senior Notes: In August 2019, the Company issued senior notes with an aggregate principal amount of $350.0 million, which bear interest at a rate of3.70% per year, mature in February 2030 and were issued at a 0.035% discount to the public (the \u201c2030 Senior Notes\u201d). Interest is payable semi-annually in arrearsbeginning in February 2020. Prior to November 2029, the Company may redeem the 2030 Senior Notes at any time in whole or from time to time in part at a make-whole premium plus accrued and unpaid interest. On or after that date, the Company may redeem the 2030 Senior Notes at any time in\nF-57", "mimetype": "text/plain", "start_char_idx": 3281, "end_char_idx": 4282, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "d11ee0a0-55fc-4033-8135-7f329af572b4": {"__data__": {"id_": "d11ee0a0-55fc-4033-8135-7f329af572b4", "embedding": null, "metadata": {"page_label": "131", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3aacab11-219c-4851-a6e6-df37f530aa99", "node_type": "4", "metadata": {"page_label": "131", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "1d711f54c02dafa4ef8507919d3c9d314c0fc55277b3b5126cef4884697fb677", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "d991d848-4895-4d28-b473-2bc4c08207dc", "node_type": "1", "metadata": {}, "hash": "cff131becc676261ef41d79e4f84eaf8087270ad36f0f8534afee0e1e24778ef", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "whole or from time to time in part at a redemption price equal to 100% of the principal amount being redeemed plus accrued and unpaid interest.\nIn March 2018, the Company issued the following three series of senior notes with an aggregate principal amount of $900.0 million:\n\u2022 The first series of senior notes was redeemed in advance of the original maturity in March 2021.\n\u2022 2023 Senior Notes: The second series of senior notes of $300.0 million in principal amount with interest at 4.20% per year, matured in September 2023 andwas issued at a 0.233% discount to the public (the \u201c2023 Senior Notes\u201d). Interest on the 2023 Senior Notes was payable semi-annually. In March 2023 andJune 2022, the Company redeemed $175.0 million and $75.0 million, respectively, of the then outstanding aggregate principal amount of the 2023 SeniorNotes at a make-whole premium plus accrued and unpaid interest to the redemption date. In connection with the redemptions, the Company recognized again (loss) on extinguishment of debt of $0.1 million and $(0.9) million for the years ended December 31, 2023 and 2022. In September 2023, the remaining$50.0 million outstanding principal amount was paid upon maturity.\n\u2022 2028 Senior Notes: The third series of senior notes is $300.0 million in principal amount, bears interest at 4.90% per year, matures in March 2028 and wasissued at a 0.383% discount to the public (the \u201c2028 Senior Notes\u201d). Interest on the 2028 Senior Notes is payable semi-annually. Prior to December 2027,the Company may redeem the 2028 Senior Notes at any time in whole or from time to time in part at a make-whole premium plus accrued and unpaidinterest. On or after that date, the Company may redeem the 2028 Senior Notes at any time in whole or from time to time in part at a redemption price equalto 100% of the principal amount being redeemed plus accrued and unpaid interest.\nThe interest rate payable on each of the 2026 Senior Notes, 2028 Senior Notes, 2030 Senior Notes and 2032 Senior Notes will be subject to adjustment fromtime to time, if either Moody\u2019s Investor Service, Inc. (\u201cMoody\u2019s\u201d) or S&P Global Ratings, a division of S&P Global Inc. (\u201cS&P\u201d) downgrades the credit ratingassigned to such series of senior notes to Ba1 or below or to BB+ or below, respectively, or subsequently upgrades the credit ratings once the senior notes are at orbelow such levels. The following table details the increase in interest rate over the issuance rate by rating with the impact equal to the sum of the number of basispoints next to such rating for a maximum increase of 200 basis points over the issuance rate:\nRating Agencies\nRating Levels Moody\u2019s (1) S&P (1) Interest Rate Increase (2)\n1 Ba1 BB+ 25 basis points2 Ba2 BB 50 basis points3 Ba3 BB- 75 basis points\n4 B1 or below B+ or below 100 basis points\n(1) Including the equivalent ratings of any substitute rating agency.(2) Applies to each rating agency individually.\nIn March 2013, the Company issued two series of senior notes, one of which was repaid at maturity in March 2018. The second series was $350.0 million inaggregate principal amount, was issued at a 0.365% discount to the public, bore interest at 4.00% per year and was to mature in March 2023. In July 2021, we usedthe proceeds from the issuance of the 2032 Senior Notes, along with cash on hand, to redeem all of the $350.0 million outstanding aggregate principal amount. A losson extinguishment of debt of $20.7 million was reported for the year ended December 31, 2021.\nIn February 2004, the Company issued senior notes with an aggregate principal amount of $475.0 million at a 0.61% discount to the public, which bear interestat 6.75% per year and matures in February 2034. Interest is payable semi-annually. These senior notes are not redeemable prior to maturity. In December 2016 andAugust 2019, the Company completed cash tender offers of $100.0 million each in aggregate principal amount of such senior notes.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3943, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "d991d848-4895-4d28-b473-2bc4c08207dc": {"__data__": {"id_": "d991d848-4895-4d28-b473-2bc4c08207dc", "embedding": null, "metadata": {"page_label": "131", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3aacab11-219c-4851-a6e6-df37f530aa99", "node_type": "4", "metadata": {"page_label": "131", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "1d711f54c02dafa4ef8507919d3c9d314c0fc55277b3b5126cef4884697fb677", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "d11ee0a0-55fc-4033-8135-7f329af572b4", "node_type": "1", "metadata": {"page_label": "131", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f2db38da96400ecb3a896eadf63d69069432b02b6d568482edc1624869c03251", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Subordinated Notes\n2061 Subordinated Notes: In November 2020, the Company issued subordinated notes due January 2061 with a principal amount of $250.0 million, which bearinterest at an annual rate of 5.25% (the \u201c2061 Subordinated Notes\u201d). Interest is payable quarterly in arrears beginning in April 2021. On or after January 2026, theCompany may redeem the 2061 Subordinated Notes in whole at any time or in part from time to time, at a redemption price equal to their principal amount plusaccrued and unpaid interest, provided that if they are not redeemed in whole, a minimum amount must remain outstanding. At any time prior to January 2026, theCompany may redeem the 2061 Subordinated Notes in whole but not in part, within 90 days after the occurrence of a tax event, rating agency event or regulatorycapital event as defined in the global note representing the 2061\nF-58", "mimetype": "text/plain", "start_char_idx": 3944, "end_char_idx": 4820, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "bc6c5518-c4dc-49a6-83de-295670c088ed": {"__data__": {"id_": "bc6c5518-c4dc-49a6-83de-295670c088ed", "embedding": null, "metadata": {"page_label": "132", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "b6aead96-cee8-47c6-a960-8b737046edd2", "node_type": "4", "metadata": {"page_label": "132", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d01579d91a0eeaf5bd8465418accff8e71abf8597690d04396fbd7154016090e", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "af5121bb-504b-4b00-8219-bde7e0e8bd7a", "node_type": "1", "metadata": {}, "hash": "e6bc9765f9c93cc44e2938251c5343012668bf108d65fb99b529b61863ffac5f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Subordinated Notes, at a redemption price equal to (i) with respect to a rating agency event, 102% of their principal amount and (ii) with respect to a tax event or aregulatory capital event, their principal amount plus accrued and unpaid interest. See below, under 2048 Subordinated Notes (as defined below), for more informationon terms applicable to both series.\n2048 Subordinated Notes: In March 2018, the Company issued fixed-to-floating rate subordinated notes due March 2048 with principal amount of $400.0million (the \u201c2048 Subordinated Notes\u201d), which bear interest from March 2018 to March 2028 at an annual rate of 7.00%, payable semi-annually. The 2048Subordinated Notes will bear interest at an annual rate equal to three-month LIBOR plus 4.135%, payable quarterly, beginning in June 2028. Under the terms of thedebt agreement, a substitute or successor base rate will be used if the LIBOR base rate has been discontinued. On or after March 2028, the Company may redeem the2048 Subordinated Notes in whole at any time or in part from time to time, at a redemption price equal to their principal amount plus accrued and unpaid interest,provided that if they are not redeemed in whole, a minimum amount must remain outstanding. At any time prior to March 2028, the Company may redeem the 2048Subordinated Notes in whole but not in part, within 90 days after the occurrence of a tax event, rating agency event or regulatory capital event as defined in the globalnote representing the 2048 Subordinated Notes, at a redemption price equal to (i) with respect to a rating agency event, 102% of their principal amount and (ii) withrespect to a tax event or a regulatory capital event, their principal amount plus accrued and unpaid interest.\nIn addition, so long as no event of default with respect to the 2048 Subordinated Notes and 2061 Subordinated Notes (together, the \u201cSubordinated Notes\u201d) hasoccurred and is continuing, the Company has the right, on one or more occasions, to defer the payment of interest on the Subordinated Notes for one or moreconsecutive interest periods for up to five years as described in the global note representing the Subordinated Notes. During a deferral period, interest will continue toaccrue on the Subordinated Notes at the then-applicable interest rate. At any time when the Company has given notice of its election to defer interest payments onthe Subordinated Notes, the Company generally may not make payments on or redeem or purchase any shares of the Company\u2019s capital stock or any of its debtsecurities or guarantees that rank upon the Company\u2019s liquidation on a parity with or junior to the Subordinated Notes, subject to certain limited exceptions.\nCredit Facility and Commercial Paper Program\nThe Company has a $500.0 million five-year senior unsecured revolving credit facility (the \u201cCredit Facility\u201d) with a syndicate of banks arranged by JPMorganChase Bank, N.A. and Wells Fargo Bank, National Association. The Credit Facility provides for revolving loans and the issuance of multi-bank, syndicated letters ofcredit and letters of credit from a sole issuing bank in an aggregate amount of $500.0 million, which may be increased up to $700.0 million. The Credit Facility isavailable until December 2026, provided the Company is in compliance with all covenants. The Credit Facility has a sublimit for letters of credit issued thereunder of$50.0 million. The proceeds from these loans may be used for the Company\u2019s commercial paper program or for general corporate purposes.\nThe Company made no borrowings using the Credit Facility during the year ended December 31, 2023 and no loans were outstanding as of December 31,2023.\nThe Company\u2019s commercial paper program requires the Company to maintain liquidity facilities either in an available amount equal to any outstanding notesfrom the program or in an amount sufficient to maintain the ratings assigned to the notes issued from the program. The Company\u2019s commercial paper is rated AMB-1+ by A.M. Best, P-2 by Moody\u2019s and A-2 by S&P. The Company\u2019s subsidiaries do not maintain commercial paper or other borrowing facilities. This program iscurrently backed up by the Credit Facility, of which $500.0 million was available at December 31, 2023.\nThe Company did not use the commercial paper program during the years ended December 31, 2023 or 2022 and there were no amounts relating to thecommercial paper program outstanding as of December 31, 2023 or 2022.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4463, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "af5121bb-504b-4b00-8219-bde7e0e8bd7a": {"__data__": {"id_": "af5121bb-504b-4b00-8219-bde7e0e8bd7a", "embedding": null, "metadata": {"page_label": "132", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "b6aead96-cee8-47c6-a960-8b737046edd2", "node_type": "4", "metadata": {"page_label": "132", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d01579d91a0eeaf5bd8465418accff8e71abf8597690d04396fbd7154016090e", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "bc6c5518-c4dc-49a6-83de-295670c088ed", "node_type": "1", "metadata": {"page_label": "132", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "6533a899108f8a8b0db1a86c9b83d255be3ac94a19368550e9bb7572ea8404af", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Covenants\nThe Credit Facility contains restrictive covenants including:\n(i) Maintenance of a maximum consolidated total debt to capitalization ratio on the last day of any fiscal quarter of not greater than 0.35 to 1.0, subject tocertain exceptions; and\n(ii) Maintenance of a consolidated adjusted net worth in an amount not less than a \u201cMinimum Amount\u201d equal to the sum of (a) $4.20 billion, (b) 25% ofconsolidated net income (if positive) for each fiscal quarter ending after December 31, 2021 and (c) 25% of the net cash proceeds received from anycapital contribution to, or issuance of any capital stock, disqualified capital stock and hybrid securities.\nIn the event of a breach of certain covenants, all obligations under the Credit Facility, including unpaid principal and accrued interest and outstanding letters ofcredit, may become immediately due and payable. \nF-59", "mimetype": "text/plain", "start_char_idx": 4464, "end_char_idx": 5340, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "216f7a50-b60d-4621-bf55-44a3c4e44f5b": {"__data__": {"id_": "216f7a50-b60d-4621-bf55-44a3c4e44f5b", "embedding": null, "metadata": {"page_label": "133", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "9b210d32-c193-45fe-93ce-a5650c6cf6d2", "node_type": "4", "metadata": {"page_label": "133", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "1e40ded142b4bb2db41496352592b2b7d9790ad79f8f54ffca2dc7bd9d740af8", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Interest Rate Derivatives\nFrom time to time, the Company has entered into derivative transactions to hedge the risk associated with changes in interest rates in anticipation of debtissuances. The Company determined that the derivatives qualified for hedge accounting as effective cash flow hedges and recognized deferred gains upon settlementthat were reported through other comprehensive income. The deferred gains are recognized as a reduction in interest expense related to the 2023 Senior Notes (untilmaturity in September 2023), the 2026 Senior Notes, the 2028 Senior Notes and the 2048 Subordinated Notes on an effective yield basis. The amortization of thedeferred gain was $2.8 million, $3.1 million and $3.0 million for the years ended December 31, 2023, 2022 and 2021, respectively. The remaining total deferred gainas of December 31, 2023 and 2022 was $10.8 million and $12.5 million, respectively.\n20. Equity Transactions \nCommon Stock\nChanges in the number of shares of common stock outstanding are as follows for the periods presented:\n December 31,\n 2023 2022 2021\nShares of common stock outstanding, beginning 52,830,381 55,754,113 57,967,808 \nVested restricted stock and restricted stock units, net (1) 170,911 179,434 214,116 Issuance related to performance share units (1) 142,091 147,546 91,845 Issuance related to ESPP 131,815 96,846 113,555 \nIssuance related to MCPS \u2014 \u2014 2,703,911 Shares of common stock repurchased (1,319,204) (3,347,558) (5,337,122)\nShares of common stock outstanding, ending 51,955,994 52,830,381 55,754,113 \n(1) Vested restricted stock, restricted stock units and performance share units are shown net of shares of common stock retired to cover participant income tax liabilities.\nThe Company is authorized to issue 800,000,000 shares of common stock. In addition, 150,001 shares of Class B common stock and 400,001 shares of Class Ccommon stock are authorized but have not been issued.\nStock Repurchase\nIn November 2023, the Company\u2019s Board of Directors (the \u201cBoard\u201d) authorized the Company to repurchase up to $600.0 million aggregate cost at purchase ofits outstanding common stock. In January and May 2021, the Board authorized the Company to repurchase up to $600.0 million and $900.0 million, respectively,aggregate cost at purchase of its outstanding common stock.\nDuring the year ended December 31, 2023, the Company repurchased 1,319,204 shares of the Company\u2019s outstanding common stock at a cost of $200.0million, exclusive of commissions, leaving $674.5 million remaining under the November 2023 and May 2021 repurchase authorizations at December 31, 2023.During the years ended December 31, 2022 and 2021, the Company repurchased 3,347,558 and 5,337,122 shares of the Company\u2019s outstanding common stock at acost, exclusive of commissions, of $567.6 million and $844.4 million, respectively.\nThe timing and the amount of future repurchases will depend on market conditions, the Company\u2019s financial condition, results of operations and liquidity andother factors.\nMandatory Convertible Preferred Stock\nIn March 2018, the Company issued 2,875,000 shares of the MCPS, with a par value of $1.00 per share, at a public offering price of $100.00 per share. Eachoutstanding share of MCPS converted in March 2021 into 0.9405 of common stock, or 2,703,911 common stock in total plus an immaterial amount of cash in lieu offractional shares. The Company used a portion of its treasury stock for the common stock, using the average cost method to account for the reissuance of such shares.\nDividends on the MCPS were payable on a cumulative basis when, as and if declared, at an annual rate of 6.50% of the liquidation preference of $100.00 pershare. The Company paid preferred stock dividends of $4.7 million for the year ended December 31, 2021.\nF-60", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3795, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "3e241928-e92c-4e25-9808-b0bec3bd59eb": {"__data__": {"id_": "3e241928-e92c-4e25-9808-b0bec3bd59eb", "embedding": null, "metadata": {"page_label": "134", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a3bc9ae5-814b-42f3-8b1b-be9c7639ccfd", "node_type": "4", "metadata": {"page_label": "134", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "4475e1e75be4b17a1d7041f6805eed9665a5d883fe7e6a98acdca9e6bd16bc80", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "21. Stock Based Compensation \nIn accordance with the guidance on share-based compensation, the Company recognized stock-based compensation costs based on the grant date fair value. Forthe years ended December 31, 2023, 2022 and 2021, the Company recognized compensation costs net of a 5% per year estimated forfeiture rate on a pro-rated basisover the remaining vesting period.\nLong-Term Equity Incentive Plan\nUnder the Assurant, Inc. 2017 Long-Term Equity Incentive Plan (the \u201cALTEIP\u201d), as amended and restated in November 2023, the Company is authorized toissue up to 1,840,112 new shares of the Company\u2019s common stock to employees, officers and non-employee directors. Under the ALTEIP, the Company may grantawards based on shares of its common stock, including stock options, stock appreciation rights, restricted stock (including performance shares), unrestricted stock,restricted stock units (\u201cRSUs\u201d), performance units (also known as performance share units or \u201cPSUs\u201d) and dividend equivalents. All share-based grants are awardedunder the ALTEIP.\nThe Compensation and Talent Committee of the Board (the \u201cCompensation Committee\u201d) awards RSUs and PSUs annually. RSUs and PSUs are promises toissue actual shares of common stock at the end of a vesting period or performance period. Under the ALTEIP and the related equity grant policy, the Company\u2019s CEOis authorized by the Board to grant common stock, restricted stock and RSUs to employees other than the Company\u2019s Section 16 officers as CEO Equity Awards andOn Cycle ALTEIP Awards. For the CEO Equity Awards, the Compensation Committee recommends total annual funding and the awards are expressed as a dollaramount converted into shares as of each grant date. Restricted stock and RSUs granted under the CEO Equity Awards program may have different vesting periods.\n Restricted Stock Units\nThe fair value of RSUs is estimated using the fair market value of a share of the Company\u2019s common stock at the date of grant. The RSUs granted to employeesunder the ALTEIP are based on salary grade and performance and generally vest one-third each year over a three-year period. RSUs receive dividend equivalents incash during the restricted period and do not have voting rights during the restricted period. RSUs granted to non-employee directors also vest one-third each yearover a three-year period; however, issuance of vested shares and payment of dividend equivalents is deferred until separation from Board service.\nA summary of the Company\u2019s outstanding RSUs is presented below:\nRestricted Stock Units\nWeighted-AverageGrant-DateFair Value\nRestricted stock units outstanding at December 31, 2022 561,602 $ 138.61 Grants (1) 293,161 116.76 Vests (2) (247,515) 133.96 \nForfeitures and adjustments (29,631) 137.16 \nRestricted stock units outstanding at December 31, 2023 577,617 $ 129.58 \nRestricted stock units vested, but deferred at December 31, 2023 91,515 $ 94.92 \n(1) The weighted average grant date fair value for RSUs granted in 2022 and 2021 was $172.46 and $143.20, respectively.(2) The total fair value of RSUs vested was $29.9 million, $47.0 million and $47.4 million for the years ended December 31, 2023, 2022 and 2021, respectively.\nThe following table shows a summary of RSU compensation expense during the years ended December 31, 2023, 2022 and 2021:\nYears Ended December 31,\n2023 2022 2021\nRSU compensation expense $ 31.7 $ 34.9 $ 32.8 \nIncome tax benefit (6.0) (6.4) (5.9)\nRSU compensation expense, net of tax $ 25.7 $ 28.5 $ 26.9 \nAs of December 31, 2023, there was $19.6 million of unrecognized compensation cost related to outstanding RSUs. That cost is expected to be recognized overa weighted-average period of 0.99 years.\nF-61", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3704, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "e4251f4f-02b6-4c19-96ab-4874596a40d7": {"__data__": {"id_": "e4251f4f-02b6-4c19-96ab-4874596a40d7", "embedding": null, "metadata": {"page_label": "135", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "c9a9b4ef-5644-4929-90bb-dbafebcab6e1", "node_type": "4", "metadata": {"page_label": "135", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "2110663f0ee9c0c921db87d0a649cf5685dd497675223c5d8a49016e031f66bb", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Performance Share Units\nThe number of shares of common stock a participant will receive upon vesting of a PSU award is contingent upon the Company\u2019s performance with respect toselected metrics, as identified below. The payout levels can vary between 0% and 200% (maximum) of the target (100%) ALTEIP award amount, based on theCompany\u2019s level of performance against the selected metrics. PSUs accrue dividend equivalents during the performance period based on a target payout and will bepaid in cash at the end of the performance period based on the actual number of shares issued.\nThe Compensation Committee has established two equally weighted performance measures for PSU awards:\n\u2022 Total shareholder return relative to the S&P 500 Index (\u201cmarket condition\u201d), defined as appreciation in the Company\u2019s common stock plus dividend yield tostockholders and will be measured by the performance of the Company relative to the S&P 500 Index over the three-year performance period.\n\u2022 Adjusted earnings per diluted common share, excluding reportable catastrophes (\u201cperformance condition\u201d) is a Company-specific profitability metric and isdefined as the Company\u2019s adjusted earnings, excluding reportable catastrophes, divided by the fully diluted weighted average common shares outstanding.This metric is an absolute metric that is measured against a three-year cumulative target established by the Compensation Committee at the award date andis not tied to the performance of peer companies. Prior to 2023, net operating income per diluted common share, excluding reportable catastrophes, was usedas the company specific profitability metric.\nA summary of the Company\u2019s outstanding PSUs is presented below:\nPerformanceShare Units\nWeighted-AverageGrant-DateFair Value\nPerformance share units outstanding at December 31, 2022 640,166 $ 139.01 Grants (1) 268,897 114.91 \nVests (2) (231,354) 86.55 Performance adjustment (3) (47,161) 92.45 \nForfeitures and adjustments (31,793) 149.27 \nPerformance share units outstanding at December 31, 2023 598,755 $ 151.63 \n(1) The weighted average grant date fair value for PSUs granted in 2022 and 2021 was $217.33 and $148.04, respectively.(2) The total fair value of PSUs vested was $25.8 million, $42.8 million and $24.6 million for the years ended December 31, 2023, 2022 and 2021, respectively.(3) Represents the change in PSUs issued based upon the attainment of performance goals established by the Company.\nPSU grants above represent initial target awards and do not reflect potential increases or decreases resulting from the Company\u2019s level of performance againstthe selected metrics to be determined at the end of the prospective performance period.\nThe fair value of the performance condition was estimated using the fair market value of a share of the Company\u2019s common stock at the date of grant. The fairvalue of the market condition was estimated on the date of grant using a Monte Carlo simulation model, which utilizes multiple variables that determine theprobability of satisfying the market condition stipulated in the award. Expected volatilities were based on the historical prices of the Company\u2019s common stock andpeer group, the expected term was assumed to equal the average of the vesting period of the PSUs and the risk-free rate was based on the U.S. Treasury yield curve ineffect at the time of grant.\n For awards granted during the years ended December 31,\n 2023 2022 2021\nExpected volatility 26.84 % 33.82 % 34.14 %Expected term (years) 2.80 2.80 2.79\nRisk free interest rate 3.93 % 2.09 % 0.29 %\nF-62", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3558, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "17f66f40-7c4d-474e-9b98-b9c2f75824aa": {"__data__": {"id_": "17f66f40-7c4d-474e-9b98-b9c2f75824aa", "embedding": null, "metadata": {"page_label": "136", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "ee03f07d-0601-463b-98dc-52ca9dda4a8b", "node_type": "4", "metadata": {"page_label": "136", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "da33943e73273e460dfaa063d6919d7faaa61a4a3a900fdc6d4b64a753917741", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "6b4f2bee-a376-4f1b-9e64-2fdbbdbf0145", "node_type": "1", "metadata": {}, "hash": "b9e9dea2db1f4e418934fe1ff46713ed99cf2cfca356d051211db804d5bf02a0", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The following table shows a summary of PSU compensation expense during the years ended December 31, 2023, 2022 and 2021:\nYears Ended December 31,\n2023 2022 2021\nPSU compensation expense $ 40.3 $ 24.8 $ 31.8 \nIncome tax benefit (5.8) (3.7) (3.3)\nPSU compensation expense, net of tax $ 34.5 $ 21.1 $ 28.5 \nAs of December 31, 2023, there was $34.7 million of unrecognized compensation cost related to outstanding PSUs. That cost is expected to be recognized overa weighted-average period of 0.94 years.\nEmployee Stock Purchase Plan\nUnder the Employee Stock Purchase Plan (the \u201cESPP\u201d), the Company is authorized to issue up to 5,000,000 new shares of common stock to employees who areparticipants in the ESPP. The ESPP allows eligible employees to contribute, through payroll deductions, portions of their after-tax compensation in each offeringperiod toward the purchase of shares of the Company\u2019s common stock. There are two offering periods during the year (January 1 through June 30 and July 1 throughDecember 31) and shares of common stock are purchased at the end of each offering period at 90% of the lower of the closing price of the common stock on the firstor last day of the offering period. Participants must be employed on the last trading day of the offering period in order to purchase shares of common stock under theESPP. The maximum number of shares of common stock that can be purchased is 5,000 per employee. Participants\u2019 contributions are limited to a maximumcontribution of $7.5 thousand per offering period, or $15.0 thousand per year.\nThe ESPP is offered to individuals who are scheduled to work a certain number of hours per week, have been continuously employed for at least six months bythe start of the offering period, are not temporary employees (classified as temporary and employed less than 12 months) and have not been on a leave of absence formore than 90 days immediately preceding the offering period.\nIn January 2024, the Company issued 65,049 shares of common stock at a discounted price of $113.26 for the offering period of July 1, 2023 throughDecember 31, 2023. In January 2023, the Company issued 65,508 shares of common stock at a discounted price of $112.55 for the offering period of July 1, 2022through December 31, 2022.\nIn July 2023, the Company issued 66,306 shares of common stock to employees at a discounted price of $113.15 for the offering period of January 1, 2023through June 30, 2023. In July 2022, the Company issued 50,385 shares of common stock to employees at a discounted price of $140.64 for the offering period ofJanuary 1, 2022 through June 30, 2022.\nThe compensation expense recorded related to the ESPP was $3.1 million, $3.0 million and $2.2 million for the years ended December 31, 2023, 2022 and2021, respectively. The related income tax benefit for disqualified disposition was $0.1 million for the years ended December 31, 2023, 2022 and 2021.\nThe fair value of each award under the ESPP was estimated at the beginning of each offering period using the Black-Scholes option-pricing model andassumptions in the table below. Expected volatilities are based on implied volatilities from traded options on the Company\u2019s common stock and the historicalvolatility of the Company\u2019s common stock. The risk-free rate for periods within the contractual life of the option is based on the U.S. Treasury yield curve in effect atthe time of grant. The dividend yield is based on the current annualized dividend and common stock price as of the grant date.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3512, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "6b4f2bee-a376-4f1b-9e64-2fdbbdbf0145": {"__data__": {"id_": "6b4f2bee-a376-4f1b-9e64-2fdbbdbf0145", "embedding": null, "metadata": {"page_label": "136", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "ee03f07d-0601-463b-98dc-52ca9dda4a8b", "node_type": "4", "metadata": {"page_label": "136", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "da33943e73273e460dfaa063d6919d7faaa61a4a3a900fdc6d4b64a753917741", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "17f66f40-7c4d-474e-9b98-b9c2f75824aa", "node_type": "1", "metadata": {"page_label": "136", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "13819d9f761363a5cb22d35b8919e138abf3b8154e54e3af5705f7a1b68ccdae", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "For awards issued during the years ended December 31,\n  2023 2022 2021\nExpected volatility 28.57 - 31.63% 20.96 - 25.05% 24.56 - 28.67%\nRisk free interest rates 4.77 - 5.53% 0.22 - 2.52% 0.06 - 0.09%Dividend yield 2.18 - 2.20% 1.54 - 1.73% 1.67 - 1.98%Expected term (years) 0.5 0.5 0.5\nNon-Stock Based Incentive Plans\nDeferred Compensation\nThe Company\u2019s deferred compensation programs consist of the AIP, the ASIC and the ADC. The AIP and the ASIC provided key employees the ability toexchange a portion of their compensation for options to purchase certain third-party mutual funds. The AIP and the ASIC were frozen in December 2004 and noadditional contributions can be made to either the\nF-63", "mimetype": "text/plain", "start_char_idx": 3514, "end_char_idx": 4209, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "b59c2907-4441-4b83-90d7-b1cc4ca01519": {"__data__": {"id_": "b59c2907-4441-4b83-90d7-b1cc4ca01519", "embedding": null, "metadata": {"page_label": "137", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "0d462445-47f0-42df-91eb-bc044b94e18e", "node_type": "4", "metadata": {"page_label": "137", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "90dd9f3285c5fc900f230efa08ca1e1013fb2af2a45870f18583743bf5b11fdd", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "AIP or the ASIC. Effective March 1, 2005 and amended and restated on January 1, 2008, the ADC Plan was established in order to comply with the American JobsCreation Act of 2004 (the \u201cJobs Act\u201d) and Section 409A of the Internal Revenue Code of 1986, as amended (the \u201cIRC\u201d). The ADC provides key employees theability to defer a portion of their eligible compensation to be notionally invested in a variety of mutual funds. Deferrals and withdrawals under the ADC are intendedto be fully compliant with the Jobs Act definition of eligible compensation and distribution requirements.\n \n22. Accumulated Other Comprehensive Income\nCertain amounts included in the consolidated statements of comprehensive income are net of reclassification adjustments. The following tables summarizethose reclassification adjustments (net of taxes) for the periods indicated: \n Year Ended December 31, 2023\n \nForeigncurrencytranslationadjustment\nNet unrealizedgains (losses) onsecurities Net unrealized gains onderivative transactions Unamortized net (losses)on Pension Plans\nAccumulatedothercomprehensive(loss) income\nBalance at December 31, 2022 $ (394.0) $ (513.2) $ 9.8 $ (88.8) $ (986.2)\nChange in accumulated other comprehensiveincome (loss) before reclassifications 42.1 171.9 (0.6) (17.6) 195.8 Amounts reclassified from accumulated othercomprehensive income (loss) \u2014 35.8 (0.7) (9.7) 25.4 \nNet current-period other comprehensive income(loss) 42.1 207.7 (1.3) (27.3) 221.2 \nBalance at December 31, 2023 $ (351.9) $ (305.5) $ 8.5 $ (116.1) $ (765.0)\n \n Year Ended December 31, 2022\n \nForeigncurrencytranslationadjustment\nNet unrealizedgains (losses) onsecurities Net unrealized gains onderivative transactions Unamortized net (losses)on Pension Plans\nAccumulatedothercomprehensive(loss) income\nBalance at December 31, 2021 $ (326.9) $ 256.6 $ 12.4 $ (92.1) $ (150.0)Change in accumulated other comprehensiveincome (loss) before reclassifications (67.1) (808.7) \u2014 9.0 (866.8)\nAmounts reclassified from accumulated othercomprehensive income (loss) \u2014 38.9 (2.6) (5.7) 30.6 \nNet current-period other comprehensive income(loss) (67.1) (769.8) (2.6) 3.3 (836.2)\nBalance at December 31, 2022 $ (394.0) $ (513.2) $ 9.8 $ (88.8) $ (986.2)\nF-64", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2218, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "053849a5-472c-4fb1-b0b8-8f54a9357bca": {"__data__": {"id_": "053849a5-472c-4fb1-b0b8-8f54a9357bca", "embedding": null, "metadata": {"page_label": "138", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a9780d72-650c-4c25-971c-c5b7b8d8b56b", "node_type": "4", "metadata": {"page_label": "138", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "7fc8f7a2f782436bf14534072e5bac631cf73cd24169017be3d0cd9971b434b4", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Year Ended December 31, 2021\n \nForeigncurrencytranslationadjustment\nNet unrealizedgains onsecurities Net unrealized gains onderivative transactions Unamortized net (losses)on Pension Plans\nAccumulatedothercomprehensiveincome (loss)\nBalance at December 31, 2020 $ (295.6) $ 1,097.6 $ 14.7 $ (106.9) $ 709.8 \nChange in accumulated other comprehensiveincome (loss) before reclassifications (31.0) (215.9) \u2014 17.3 (229.6)Amounts reclassified from accumulated othercomprehensive income (loss) (0.3) (625.1) (2.3) (2.5) (630.2)\nNet current-period other comprehensive income(loss) (31.3) (841.0) (2.3) 14.8 (859.8)\nBalance at December 31, 2021 $ (326.9) $ 256.6 $ 12.4 $ (92.1) $ (150.0)\nThe following tables summarize the reclassifications out of AOCI for the periods indicated.\nDetails about AOCI components Amount reclassified from AOCI Affected line item in the statement wherenet income is presented\n Years Ended December 31,  \n 2023 2022 2021  \nForeign currency translation adjustment $ \u2014 $ \u2014 $ (0.8) Underwriting, selling, general and administrativeexpenses (see Note 4)\u2014 \u2014 0.5 Provision for income taxes\n$ \u2014 $ \u2014 $ (0.3) Net of tax\nNet unrealized gains (losses) on securities $ 45.3 $ 49.2 $ (797.8) Net realized losses on investments and fair valuechanges to equity securities\n(9.5) (10.3) 172.7 Provision for income taxes\n$ 35.8 $ 38.9 $ (625.1) Net of tax\nNet unrealized gains on derivative transactions:Amortization of deferred gain related to interestrate derivatives $ (3.4) $ (3.2) $ (2.8) Interest expense\nAmortization of deferred gain related to foreignexchange derivative 2.5 \u2014 \u2014 Underwriting, selling, general and administrativeexpenses\n(0.9) (3.2) (2.8)0.2 0.6 0.5 Provision for income taxes\n$ (0.7) $ (2.6) $ (2.3) Net of taxAmortization of pension and postretirementunrecognized net periodic benefit cost:Amortization of net loss $ 1.0 $ 4.4 $ 7.2 (1)Amortization of prior service credit (13.5) (13.5) (13.5) (1)Settlement loss 0.2 1.9 3.1 (1)\n(12.3) (7.2) (3.2) Total before tax2.6 1.5 0.7 Provision for income taxes\n$ (9.7) $ (5.7) $ (2.5) Net of taxTotal reclassifications for the period $ 25.4 $ 30.6 $ (630.2) Net of tax\n(1) These AOCI components are included in the computation of net periodic pension cost. See Note 24 for additional information.\nF-65", "mimetype": "text/plain", "start_char_idx": 1, "end_char_idx": 2272, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "728f665b-71ae-4c14-8ad0-20f52c78234d": {"__data__": {"id_": "728f665b-71ae-4c14-8ad0-20f52c78234d", "embedding": null, "metadata": {"page_label": "139", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "14e65783-42d8-4316-ade8-16b5b653ddcb", "node_type": "4", "metadata": {"page_label": "139", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "5af61f3e75a0ff61ab2a7e2cd40049fba2723595ba4dcef741da37fe1c2af23a", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "23. Statutory Information\nThe Company\u2019s insurance subsidiaries prepare financial statements in accordance with Statutory Accounting Principles (\u201cSAP\u201d) prescribed or permitted by theinsurance departments of their states of domicile. Prescribed SAP includes the Accounting Practices and Procedures Manual of the National Association of InsuranceCommissioners (\u201cNAIC\u201d) as well as state laws, regulations and administrative rules.\nThe principal differences between SAP and GAAP are: (1) policy acquisition costs are expensed as incurred under SAP, but are deferred and amortized underGAAP; (2) VOBA is not capitalized under SAP but is under GAAP; (3) the classification and carrying amounts of investments in certain securities are different underSAP than under GAAP; (4) the criteria for providing asset valuation allowances, and the methodologies used to determine the amounts thereof, are different underSAP than under GAAP; (5) the timing of establishing certain reserves, and the methodologies used to determine the amounts thereof, are different under SAP thanunder GAAP; (6) certain assets are not admitted for purposes of determining surplus under SAP; (7) methodologies used to determine the amounts of deferred taxes,intangible assets and goodwill are different under SAP than under GAAP; and (8) the criteria for obtaining reinsurance accounting treatment is different under SAPthan under GAAP, and SAP allows net presentation of insurance reserves and reinsurance recoverables.\nThe combined statutory net income, excluding intercompany dividends and surplus note interest, and capital and surplus of the Company\u2019s U.S. domiciledstatutory insurance subsidiaries is as follows: \n Years Ended December 31,\n 2023 2022 2021\nProperty and casualty companies $ 529.4 $ 283.5 $ 468.0 \nLife and health companies 13.7 20.0 18.6 \nTotal statutory net income $ 543.1 $ 303.5 $ 486.6 \n December 31,\n 2023 2022\nProperty and casualty companies $ 1,461.4 $ 1,472.2 Life and health companies 87.6 80.2 \nTotal statutory capital and surplus $ 1,549.0 $ 1,552.4 \nThe Company also has non-insurance subsidiaries and foreign insurance subsidiaries that are not subject to SAP. The statutory net income and statutory capitaland surplus amounts presented above do not include non-insurance subsidiaries and foreign insurance subsidiaries in accordance with SAP.\nInsurance enterprises are required by state insurance departments to adhere to minimum risk-based capital (\u201cRBC\u201d) requirements developed by the NAIC. TheCompany\u2019s insurance subsidiaries expect to exceed minimum RBC requirements as of December 31, 2023. In addition, all of our rated insurance subsidiariescurrently maintain an A.M. Best financial strength rating of A.\nThe payment of dividends to the Company by any of the Company\u2019s regulated U.S domiciled insurance subsidiaries in excess of a certain amount (i.e.,extraordinary dividends) must be approved by the subsidiary\u2019s domiciliary jurisdiction department of insurance. Ordinary dividends, for which no regulatoryapproval is generally required, are limited to amounts determined by a formula, which varies by jurisdiction. The formula for the majority of the jurisdictions inwhich the Company\u2019s subsidiaries are domiciled is based on the prior year\u2019s statutory net income or 10% of the statutory surplus as of the end of the prior year. Somejurisdictions limit ordinary dividends to the greater of these two amounts, others limit them to the lesser of these two amounts and some jurisdictions exclude prioryear realized capital gains from prior year net income in determining ordinary dividend capacity. Some jurisdictions have an additional stipulation that dividends mayonly be paid out of earned surplus. If insurance regulators determine that payment of an ordinary dividend or any other payments by the Company\u2019s insurancesubsidiaries to the Company (such as payments under a tax sharing agreement or payments for employee or other services) would be adverse to policyholders orcreditors, the regulators may block such payments that would otherwise be permitted without prior approval. Based on the dividend restrictions under applicable lawsand regulations, the maximum amount of dividends that the Company\u2019s U.S. domiciled insurance subsidiaries could pay to the Company in 2024 without regulatoryapproval is approximately $592.4 million. No assurance can be given that there will not be further regulatory actions restricting the ability of the Company\u2019sinsurance subsidiaries to pay dividends.\nF-66", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4509, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "35e2e866-b019-45c5-8138-cd954b252109": {"__data__": {"id_": "35e2e866-b019-45c5-8138-cd954b252109", "embedding": null, "metadata": {"page_label": "140", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "eaf27e76-2b98-4f13-8877-724a9bbb32d8", "node_type": "4", "metadata": {"page_label": "140", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ad9d591a94765e80ed357854ae74fd255af7b814a9f155cf7919a302cf40ca1e", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "24. Retirement and Other Employee Benefits\nDefined Benefit Plans\nThe Company and its subsidiaries participate in a non-contributory, qualified defined benefit pension plan (\u201cAssurant Pension Plan\u201d) covering substantially allemployees. The Assurant Pension Plan is considered \u201cqualified\u201d because it meets the requirements of IRC Section 401(a) (\u201cIRC 401(a)\u201d) and the EmployeeRetirement Income Security Act of 1974, as amended (\u201cERISA\u201d). The Assurant Pension Plan is a pension equity plan with a grandfathered final average earningsplan for a certain group of employees. Benefits are based on certain years of service and the employee\u2019s compensation during certain such years of service. TheCompany\u2019s funding policy is to contribute amounts to the Assurant Pension Plan sufficient to meet the minimum funding requirements in ERISA, plus suchadditional amounts as the Company may determine to be appropriate from time to time up to the maximum permitted. The funding policy considers several factors todetermine such additional amounts, including items such as the amount of service cost plus 15% of the Assurant Pension Plan deficit and the capital position of theCompany. During the year ended December 31, 2023, there were no contributions to the Assurant Pension Plan. Due to the Assurant Pension Plan\u2019s current fundingstatus, no contributions to the Assurant Pension Plan are expected during the year ending December 31, 2024. Assurant Pension Plan assets are maintained in aseparate trust. Assurant Pension Plan assets and benefit obligations are measured as of December 31, 2023.\nThe Company also has various non-contributory, non-qualified supplemental plans covering certain employees including the Assurant Executive Pension Planand the Assurant Supplement Executive Retirement Plan (the \u201cSERP\u201d). Since these plans are \u201cnon-qualified\u201d they are not subject to the requirements of IRC 401(a)and ERISA. As such, the Company is not required, and does not, fund these plans. The qualified and non-qualified plans are referred to as \u201cPension Benefits\u201d unlessotherwise noted. The Company has the right to modify or terminate these benefits; however, the Company will not be relieved of its obligation to plan participants fortheir vested benefits.\nIn addition, the Company provides certain life and health care benefits (\u201cRetirement Health Benefits\u201d) for retired employees and their dependents. On July 1,2011, the Company terminated certain health care benefits for employees who did not qualify for \u201cgrandfathered\u201d status and no longer offers these benefits to newhires. The Company contribution, plan design and other terms of the remaining benefits did not change for those grandfathered employees. The Company has theright to modify or terminate these benefits.\nEffective January 1, 2014, the Pension Benefits plans were closed to new hires. Effective March 1, 2016, the Pension Benefits and Retirement Health Benefits(together, the \u201cPlans\u201d) were amended such that no additional benefits will be earned after February 29, 2016.\nIn February 2020, the Company amended the Retirement Health Benefits to terminate effective December 31, 2024 (the \u201cTermination Date\u201d). Benefits will bepaid up to the Termination Date. The Retirement Health Benefits obligations were remeasured using a discount rate of 1.55%, selected based on a cash flow analysisusing a bond yield curve as of February 29, 2020, and the fair market value of the Retirement Health Benefits assets as of February 29, 2020. The remeasurementresulted in a reduction to the Retirement Health Benefits obligations of $65.6 million and a corresponding prior service credit in AOCI, which will be reclassifiedfrom AOCI as it is amortized in the net periodic benefit cost over the remaining period until the Termination Date.\nF-67", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3789, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "89fb8b49-39e3-4619-a623-96b0810ea17e": {"__data__": {"id_": "89fb8b49-39e3-4619-a623-96b0810ea17e", "embedding": null, "metadata": {"page_label": "141", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "0ef5ddc2-adba-41ca-b709-ba6e7bf48fea", "node_type": "4", "metadata": {"page_label": "141", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "7becd67f0e6bcff43e22ab90b5aa4c70ea9711b6cef04b5bea1e4ea5de068bc6", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The following table presents information on the Plans for the periods indicated:\n Pension Benefits Retirement Health Benefits\n 2023 2022 2023 2022\nChange in projected benefit obligationProjected benefit obligation at beginning of year $ (598.5) $ (832.3) $ (9.9) $ (15.3)\nInterest cost (30.5) (18.0) (0.4) (0.1)Actuarial gain (1) (15.8) 187.3 0.3 0.6 \nBenefits paid 45.0 64.5 5.1 4.9 \nProjected benefit obligation at end of year $ (599.8) $ (598.5) $ (4.9) $ (9.9)\nChange in plan assetsFair value of plan assets at beginning of year $ 641.8 $ 827.5 $ 29.4 $ 40.9 \nActual return on plan assets 35.9 (139.9) 1.5 (6.8)Employer contributions 5.4 20.0 0.2 0.2 \nBenefits paid (including administrative expenses) (46.4) (65.8) (5.1) (4.9)\nFair value of plan assets at end of year $ 636.7 $ 641.8 $ 26.0 $ 29.4 \nFunded status at end of year $ 36.9 $ 43.3 $ 21.1 $ 19.5 \n(1) In 2022, the actuarial gain in the Pension Benefits was primarily due to the significant increase in the discount rate as detailed below. \nIn accordance with the guidance on retirement benefits, the Company aggregates the results of the qualified and non-qualified plans as \u201cPension Benefits\u201d andis required to disclose the aggregate projected benefit obligation, accumulated benefit obligation and fair value of plan assets, if the obligations within those plansexceed plan assets.\nAs of December 31, 2023 and 2022, the fair value of plan assets, projected benefit obligation, funded status at end of year and the accumulated benefitobligation of Pension Benefits were as follows:\n Qualified Pension Benefits Unfunded NonqualifiedPension Benefits Total Pension Benefits\n 2023 2022 2023 2022 2023 2022\nFair value of plan assets $ 636.7 $ 641.8 $ \u2014 $ \u2014 $ 636.7 $ 641.8 \nProjected benefit obligation (550.1) (547.7) (49.7) (50.8) (599.8) (598.5)\nFunded status at end of year $ 86.6 $ 94.1 $ (49.7) $ (50.8) $ 36.9 $ 43.3 \nAccumulated benefit obligation $ 550.1 $ 547.7 $ 49.7 $ 50.8 $ 599.8 $ 598.5 \n  \nAmounts recognized in the consolidated balance sheets consist of:\n Pension Benefits Retirement Health Benefits\n 2023 2022 2023 2022\nAssets $ 86.6 $ 94.1 $ 21.1 $ 19.5 Liabilities $ (49.7) $ (50.8) $ \u2014 $ \u2014 \n \nAmounts recognized in AOCI consist of: \n Pension Benefits Retirement Health Benefits\n 2023 2022 2021 2023 2022 2021\nNet (loss) gain $ (158.5) $ (137.5) $ (163.2) $ (1.8) $ (2.1) $ 6.2 Prior service (cost) credit (0.3) (0.4) (0.4) 13.4 27.2 40.8 \n$ (158.8) $ (137.9) $ (163.6) $ 11.6 $ 25.1 $ 47.0 \n \nF-68", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2479, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "0a069eb9-494e-446a-8e43-261f723d9c96": {"__data__": {"id_": "0a069eb9-494e-446a-8e43-261f723d9c96", "embedding": null, "metadata": {"page_label": "142", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "14ac8445-2a20-4329-88fe-254abb398372", "node_type": "4", "metadata": {"page_label": "142", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "80a33b54d4ea5afbbb3725b01fb0ec69cf563e556484774f923319dcf7cf8754", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "99eeea0b-0e12-49dc-8c77-df5fcdf5a5f7", "node_type": "1", "metadata": {}, "hash": "2e925c176844eea13bbeecb76683267bba9e26a77acf8e9c237893f3ad37609f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Components of net periodic benefit cost, recorded in underwriting, selling, general and administrative expenses in the consolidated statements of operations,and other amounts recognized in AOCI for the years ended December 31, 2023, 2022, and 2021 were as follows: \n Pension Benefits Retirement Health Benefits\n 2023 2022 2021 2023 2022 2021\nNet periodic benefit costInterest cost $ 30.5 $ 18.0 $ 15.2 $ 0.4 $ 0.1 $ 0.1 Expected return on plan assets (40.9) (27.5) (27.3) (1.5) (1.4) (1.5)\nAmortization of prior service credit (cost) \u2014 0.1 0.1 (13.6) (13.6) (13.6)Amortization of net loss (gain) 1.0 5.1 7.8 \u2014 (0.7) (0.6)Curtailment/settlement loss 0.2 1.9 3.1 \u2014 \u2014 \u2014 \nNet periodic benefit cost $ (9.2) $ (2.4) $ (1.1) $ (14.7) $ (15.6) $ (15.6)\nOther changes in plan assets and benefit obligationsrecognized in accumulated other comprehensive incomePrior service cost $ \u2014 $ \u2014 $ \u2014 $ \u2014 $ \u2014 \u2014 Net (gain) loss 22.2 (18.6) (20.1) (0.2) 7.6 (0.9)\nAmortization of prior service (cost) credit \u2014 (0.1) (0.1) 13.6 13.6 13.6 Amortization of net (loss) gain (1.2) (7.0) (10.9) \u2014 0.7 0.6 \nTotal recognized in accumulated other comprehensive(loss) income $ 21.0 $ (25.7) $ (31.1) $ 13.4 $ 21.9 $ 13.3 \nTotal recognized in net periodic benefit cost and othercomprehensive (loss) income $ 11.8 $ (28.1) $ (32.2) $ (1.3) $ 6.3 $ (2.3)\nThe Company uses a five-year averaging method to determine the market-related value of Pension Benefits plan assets, which is used to calculate the expectedreturn of plan assets component of the Plans\u2019 expense. Under this methodology, asset gains/losses that result from actual returns which differ from the Company\u2019sexpected long-term rate of return on assets assumption are recognized in the market-related value of assets on a level basis over a five-year period. The differencebetween actual as compared to expected asset returns for the Plans will be fully reflected in the market-related value of plan assets over the next five years using themethodology described above. Other post-employment benefit assets under the Retirement Health Benefits are valued at fair value.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2095, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "99eeea0b-0e12-49dc-8c77-df5fcdf5a5f7": {"__data__": {"id_": "99eeea0b-0e12-49dc-8c77-df5fcdf5a5f7", "embedding": null, "metadata": {"page_label": "142", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "14ac8445-2a20-4329-88fe-254abb398372", "node_type": "4", "metadata": {"page_label": "142", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "80a33b54d4ea5afbbb3725b01fb0ec69cf563e556484774f923319dcf7cf8754", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "0a069eb9-494e-446a-8e43-261f723d9c96", "node_type": "1", "metadata": {"page_label": "142", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "108797ddc967aca1189d9778f3acf4ef9b8eddff31247a211904b1aea1a1fcdd", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Other post-employment benefit assets under the Retirement Health Benefits are valued at fair value.\nDetermination of the projected benefit obligation was based on the following weighted-average assumptions for the years ended December 31, 2023, 2022 and2021: \n Qualified Pension Benefits Unfunded Nonqualified Pension Benefits Retirement Health Benefits\n 2023 2022 2021 2023 2022 2021 2023 2022 2021\nDiscount rate 5.14 % 5.42 % 2.79 % 5.11 % 5.42 % 2.68 % 5.63 % 5.36 % 1.08 %\nDetermination of the net periodic benefit cost was based on the following weighted-average assumptions for the years ended December 31, 2023, 2022 and2021: \n Qualified Pension Benefits Unfunded Nonqualified Pension Benefits Retirement Health Benefits\n 2023 2022 2021 2023 2022 2021 2023 2022 2021\nDiscount rates:\nEffective discount rate for benefit obligations 5.42 % 2.79 % 2.39 % 5.42 % 2.68 % 2.20 % 5.36 % 1.08 % 0.60 %\nEffective rate for interest on benefit obligations 5.34 % 2.30 % 1.80 % 5.33 % 2.05 % 1.45 % 5.37 % 1.02 % 0.55 %\nExpected long-term return on plan assets 5.70 % 3.65 % 3.65 % \u2014 % \u2014 % \u2014 % 5.70 % 3.65 % 3.65 %\nThe selection of the Company\u2019s discount rate assumption reflects the rate at which the Plans\u2019 obligations could be effectively settled at December 31, 2023,2022 and 2021. The methodology for selecting the discount rate was to match each Plan\u2019s cash flows to that of a yield curve that provides the equivalent yields onzero-coupon corporate bonds for each maturity. The yield curve utilized in the cash flow analysis was comprised of 304 bonds rated AA by either Moody\u2019s or S&P\u2019swith maturities between zero and 30 years. The discount rate for each Plan is the single rate that produces the same present value of cash flows. The Company utilizesa split rate approach for purposes of determining the benefit obligations and service cost as well as a spot rate approach for the calculation of interest on these itemsin the determination of the net periodic benefit cost.\nF-69", "mimetype": "text/plain", "start_char_idx": 1996, "end_char_idx": 3978, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "c9f6b568-4fe3-4d6f-887e-1099d1aabfe0": {"__data__": {"id_": "c9f6b568-4fe3-4d6f-887e-1099d1aabfe0", "embedding": null, "metadata": {"page_label": "143", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "8c052548-d0a2-4968-8de5-0b5ec68caf21", "node_type": "4", "metadata": {"page_label": "143", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "5c9390aef8001085be6d10b44146d9826cde044abb35e9634bc1d9d7333ac260", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "3c27812a-718f-4654-9160-046a46d021e4", "node_type": "1", "metadata": {}, "hash": "3455c897d8805ea361baba7a47a9aa16880cd4c3457a8924bcf03cd0ed42fb5c", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "To develop the expected long-term rate of return on assets assumption, the Company considered the current level of expected returns on risk free investments(primarily government bonds), the historical level of the risk premium associated with the other asset classes in which the portfolio is invested and the expectationsfor future returns of each asset class. The expected long-term rate of return on Plan assets reflects the average rate of earnings expected on the funds invested or to beinvested. The expected return for each asset class was then weighted based on the targeted asset allocation to develop the expected long-term rate of return on assetassumptions for the portfolio. The Company believes the current assumption reflects the projected return on the invested assets, given the current market conditionsand the modified portfolio structure. Actual return (loss) on Plan assets was 5.6%, (16.9)% and 2.4% for the years ended December 31, 2023, 2022 and 2021respectively.\nThe assumed health care cost trend rates used in measuring the accumulated postretirement benefit obligation and net periodic benefit cost were as follows: \n Retirement Health Benefits\n 2023 2022 2021\nHealth care cost trend rate assumed for next year:Pre-65 Non-reimbursement Plan 5.6% 5.4% 5.5%\nPost-65 Non-reimbursement Plan (Medical) 4.0% 4.2% 4.1%Post-65 Non-reimbursement Plan (Rx) 7.0% 6.6% 6.9%Pre-65 Reimbursement Plan 5.5% 5.4% 5.4%\nPost-65 Reimbursement Plan 5.5% 5.4% 5.4%Rate to which the cost trend rate is assumed to decline (the ultimate trend rate) 4.0% 4.0% 4.0%Year that the rate reaches the ultimate trend rate\nPre-65 Non-reimbursement Plan 2045 2045 2045Post-65 Non-reimbursement Plan (Medical & Rx) 2045 2045 2045Pre-65 Reimbursement Plan 2045 2045 2045\nPost-65 Reimbursement Plan 2045 2045 2045\nThe assets of the Plans are managed to maximize their long-term pre-tax investment return, subject to the following dual constraints: minimization of requiredcontributions and maintenance of solvency requirements. It is anticipated that periodic contributions to the Plans will, for the foreseeable future, be sufficient to meetbenefit payments thus allowing the balance to be managed according to a long-term approach. The Benefit Plans Investment Committee (\u201cBPIC\u201d) for the Plans meetson a quarterly basis and reviews the re-balancing of existing fund assets and the asset allocation of new fund contributions.\nThe goal of the Company\u2019s asset strategy is to ensure that the growth in the value of the Plans\u2019 assets over the long-term, both in real and nominal terms,manages (controls) risk exposure. Risk is managed by investing in a broad range of asset classes, and within those asset classes, a broad range of individualsecurities. Diversification by asset classes stabilizes total results over short-term time periods. Each asset class is externally managed by outside investment managersappointed by the BPIC. Derivatives may be used consistent with the Plans\u2019 investment objectives established by the BPIC. All securities must be U.S. Dollardenominated.\nThe BPIC oversees the investment of the Plans\u2019 assets and periodically reviews the investment strategies, strategic asset allocation, liabilities and portfoliostructure of the assets. After a 2017 review and considering the funded status of the Assurant Pension Plan, the BPIC transitioned plan assets to a new target assetallocation consisting of 80% fixed income, 10% real estate, 5% hedge funds and 5% equities.\nThe assets of the Plans are primarily invested in fixed maturity securities. Interest rate risk is hedged by aligning the duration of the fixed maturity securitieswith the duration of the liabilities. Specifically, interest rate swaps can be used if needed to synthetically extend the duration of fixed maturity securities to match theduration of the liabilities, as measured on a projected benefit obligation basis. In addition, the Plans\u2019 fixed income securities have exposure to credit risk. In order toadequately diversify and limit exposure to credit risk, the BPIC established parameters which include a limit on the asset types that managers are permitted topurchase, maximum exposure limits by sector and by individual issuer (based on asset quality) and minimum required ratings on individual securities.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4295, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "3c27812a-718f-4654-9160-046a46d021e4": {"__data__": {"id_": "3c27812a-718f-4654-9160-046a46d021e4", "embedding": null, "metadata": {"page_label": "143", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "8c052548-d0a2-4968-8de5-0b5ec68caf21", "node_type": "4", "metadata": {"page_label": "143", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "5c9390aef8001085be6d10b44146d9826cde044abb35e9634bc1d9d7333ac260", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "c9f6b568-4fe3-4d6f-887e-1099d1aabfe0", "node_type": "1", "metadata": {"page_label": "143", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "6f5601ee0cb554a55f9068f5b24255fcf1e62b18b7b6aaf3140c929c983ae9fe", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "As ofDecember 31, 2023, 82% of plan assets were invested in fixed maturity securities and 17%, 15% and 12% of those securities were concentrated in the energy andpower, finance and real estate, and communication industries, respectively, with no exposure to any single creditor in excess of 4%, 5% and 12% of those industries,respectively. As of December 31, 2023, 6% of plan assets were invested in equity securities and 97% of the Plans\u2019 equity securities were invested in a mutual fundthat attempts to replicate the return of the S&P 500 Index by investing\nF-70", "mimetype": "text/plain", "start_char_idx": 4296, "end_char_idx": 4860, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "d5dbc350-b027-4ed6-a8d6-34c4501ec301": {"__data__": {"id_": "d5dbc350-b027-4ed6-a8d6-34c4501ec301", "embedding": null, "metadata": {"page_label": "144", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "40683f30-72c5-4f6b-8406-9928b34f7b5d", "node_type": "4", "metadata": {"page_label": "144", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "cb9de9a0c21eea03858cf0c12b6171a3f1097cd65b5af992e0b3cdba5875e4e4", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "its assets in large capitalization stocks that are included in the S&P 500 Index using a weighting similar to the S&P 500 Index. The remainder of the assets areinvested in real estate and other alternative assets.\nThe fair value hierarchy for the Company\u2019s qualified pension plan and other postretirement benefit plan assets at December 31, 2023 by asset category, is asfollows:\nQualified Pension Benefits December 31, 2023\nFinancial Assets Total Level 1 Level 2\nCash equivalents:\nShort-term investment funds $ 13.9 $ \u2014 $ 13.9 Equity securities:Preferred stock 1.0 1.0 \u2014 \nMutual funds - U.S. listed large cap 35.2 35.2 \u2014 Fixed maturity securities:U.S. & foreign government and government agencies and authorities 164.1 \u2014 164.1 \nCorporate - U.S. & foreign investment grade 344.1 \u2014 344.1 Corporate - U.S. & foreign high yield 14.0 \u2014 14.0 Other investments measured at net asset value (1) 111.8 \u2014 \u2014 \nTotal financial assets (2) $ 684.1 $ 36.2 $ 536.1 \n(1) In accordance with fair value measurements and disclosures guidance, certain investments that are measured at fair value using the net asset value practical expedient have not been classified in the fairvalue hierarchy. The net asset values of $41.6 million, $5.9 million and $64.3 million as of December 31, 2023 are used as a practical expedient to fair value of the multi-strategy hedge fund, privateequity fund and real estate fund, respectively.(2) The difference between the fair value of Plan assets above and the amount used in determining the funded status is due to interest receivable and net receivable/payable for unsettled trades, which isnot required to be included in the fair value hierarchy.\nRetirement Health Benefits December 31, 2023\nFinancial Assets Total  Level 1 Level 2\nCash equivalents:\nShort-term investment funds $ 0.6 $ \u2014 $ 0.6 Equity securities:Mutual funds - U.S. listed large cap 1.4 1.4 \u2014 \nFixed maturity securities:U.S. & foreign government and government agencies and authorities 6.7 \u2014 6.7 Corporate - U.S. & foreign investment grade 14.0 \u2014 14.0 \nCorporate - U.S. & foreign high yield 0.6 \u2014 0.6 Other investments measured at net asset value (1) 4.6 \u2014 \u2014 \nTotal financial assets (2) $ 27.9 $ 1.4 $ 21.9 \n(1) In accordance with fair value measurements and disclosures guidance, certain investments that are measured at fair value using the net asset value practical expedient have not been classified in the fairvalue hierarchy. The net asset values of $1.7 million, $0.3 million and $2.6 million as of December 31, 2023 are used as a practical expedient to fair value of the multi-strategy hedge fund, privateequity fund and real estate fund, respectively.(2) The difference between the fair value of Plan assets above and the amount used in determining the funded status is due to interest receivable and net receivable/payable for unsettled trades, which isnot required to be included in the fair value hierarchy.\nF-71", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2905, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "d34f5648-ef27-4115-ae70-551e0f49025f": {"__data__": {"id_": "d34f5648-ef27-4115-ae70-551e0f49025f", "embedding": null, "metadata": {"page_label": "145", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "ff6c8f2f-e925-4523-a203-5b514c3adcef", "node_type": "4", "metadata": {"page_label": "145", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "00f10e0bb4f295926e3b4bfac17387b10c9a08fe45d884d4a890af50891c1cb8", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The fair value hierarchy for the Company\u2019s qualified pension plan and other postretirement benefit plan assets at December 31, 2022 by asset category, is asfollows: \nQualified Pension Benefits December 31, 2022\nFinancial Assets Total  Level 1 Level 2\nCash and cash equivalents:Short-term investment funds $ 10.6 $ \u2014 $ 10.6 Equity securities:\nPreferred stock 1.0 1.0 \u2014 Mutual funds - U.S. listed large cap 27.8 27.8 \u2014 Fixed maturity securities:\nU.S. & foreign government and government agencies and authorities 154.9 \u2014 154.9 Corporate - U.S. & foreign investment grade 335.2 \u2014 335.2 Corporate - U.S. & foreign high yield 25.3 \u2014 25.3 \nMutual funds - U.S. investment grade 15.8 15.8 \u2014 Other investments measured at net asset value (1) 123.0 \u2014 \u2014 \nTotal financial assets (2) $ 693.6 $ 44.6 $ 526.0 \n(1) In accordance with fair value measurements and disclosures guidance, certain investments that are measured at fair value using the net asset value practical expedient have not been classified in the fairvalue hierarchy. The net asset values of $37.4 million, $6.8 million and $78.8 million as of December 31, 2022 are used as a practical expedient to fair value of the multi-strategy hedge fund, privateequity fund and real estate fund, respectively.(2) The difference between the fair value of Plan assets above and the amount used in determining the funded status is due to interest receivable and net receivable/payable for unsettled trades, which isnot required to be included in the fair value hierarchy.\nRetirement Health Benefits December 31, 2022\nFinancial Assets Total  Level 1 Level 2\nCash and cash equivalents:Short-term investment funds $ 0.5 $ \u2014 $ 0.5 \nEquity securities:Mutual funds - U.S. listed large cap 1.3 1.3 \u2014 Fixed maturity securities:\nU.S. & foreign government and government agencies and authorities 7.1 \u2014 7.1 Corporate - U.S. & foreign investment grade 15.4 \u2014 15.4 Corporate - U.S. & foreign high yield 1.2 \u2014 1.2 \nMutual funds - U.S. investment grade 0.7 0.7 \u2014 Other investments measured at net asset value (1) 5.6 \u2014 \u2014 \nTotal financial assets (2) $ 31.8 $ 2.0 $ 24.2 \n(1) In accordance with fair value measurements and disclosures guidance, certain investments that are measured at fair value using the net asset value practical expedient have not been classified in the fairvalue hierarchy. The net asset values of $1.7 million, $0.3 million and $3.6 million as of December 31, 2022 are used as a practical expedient to fair value of the multi-strategy hedge fund, privateequity fund and real estate fund, respectively.(2) The difference between the fair value of Plan assets above and the amount used in determining the funded status is due to interest receivable and net receivable/payable for unsettled trades, which isnot required to be included in the fair value hierarchy.\nLevel 1 and Level 2 securities are valued using various observable market inputs obtained from a pricing service. The pricing service prepares estimates of fairvalue measurements for the Company\u2019s Level 2 securities using proprietary valuation models based on techniques such as matrix pricing which include observablemarket inputs. Observable market inputs for Level 1 and Level 2 securities are consistent with the observable market inputs described in Note 10.\nThe Company obtains one price for each investment. A quarterly analysis is performed to assess if the evaluated prices represent a reasonable estimate of theirfair value. This process involves quantitative and qualitative analysis and is overseen by benefits, investment and accounting professionals. Examples of proceduresperformed include initial and on-going review of pricing service methodologies, review of pricing statistics and trends, and comparison of prices for certain securitieswith two different appropriate price sources for reasonableness. Following this analysis, the Company uses the best estimate of fair value based upon all availableinputs. The pricing service provides information regarding their pricing procedures so that the Company can properly categorize the Plans\u2019 financial assets in the fairvalue hierarchy.\nF-72", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4109, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "8ad89d19-d3d9-4c9d-8308-1d8db32d619e": {"__data__": {"id_": "8ad89d19-d3d9-4c9d-8308-1d8db32d619e", "embedding": null, "metadata": {"page_label": "146", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "be6f9b7d-ffa8-4a69-b606-3aacf7d0843d", "node_type": "4", "metadata": {"page_label": "146", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "9ed8d857ab49c0218e90d33d74d2951d7b647c4a57ce144c31a521958d8caa42", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The following pension benefits are expected to be paid over the next ten-year period:\nPensionBenefits\nRetirementHealthBenefits\n2024 $ 52.4 $ 5.0 2025 50.8 \u2014 2026 52.3 \u2014 \n2027 50.0 \u2014 2028 49.1 \u2014 2027 - 2031 226.6 \u2014 \nTotal $ 481.2 $ 5.0 \nDefined Contribution Plan\nThe Company and its subsidiaries participate in a defined contribution plan covering substantially all employees. The defined contribution plan providesbenefits payable to participants on retirement or disability and to beneficiaries of participants in the event of the participant\u2019s death. The amounts expensed by theCompany related to this plan were $44.1 million for the years ended December 31, 2023 and 2022 and $40.3 million for the year ended December 31, 2021.\n25. Earnings Per Common Share  \nThe following table presents net income, the weighted average common shares used in calculating basic EPS and those used in calculating diluted EPS for eachperiod presented below. Diluted EPS reflects the incremental common shares from: (1) common shares issuable upon vesting of PSUs and ESPP using the treasurystock method; and (2) common shares issuable upon conversion of the MCPS using the if-converted method. Refer to Notes 20 and 21 for further informationregarding potential common stock issuances. The outstanding RSUs have non-forfeitable rights to dividend equivalents and are therefore included in calculating basicand diluted EPS under the two-class method.\nF-73", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1439, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "72a32588-3698-4ce8-ab42-f09b27c7cfd7": {"__data__": {"id_": "72a32588-3698-4ce8-ab42-f09b27c7cfd7", "embedding": null, "metadata": {"page_label": "147", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "540be3d2-579f-4897-9a93-c036d28f697b", "node_type": "4", "metadata": {"page_label": "147", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "a698dc9bff779f61394b36fd5c6ae57a4ca9d0571c2064bd7678c0ff49efd2de", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Years Ended December 31,\n 2023 2022 2021\nNumeratorNet income from continuing operations $ 642.5 $ 276.6 $ 602.9 \nLess: Preferred stock dividends \u2014 \u2014 (4.7)\nNet income from continuing operations attributable to common stockholders 642.5 276.6 598.2 \nLess: Common stock dividends paid (152.3) (150.2) (157.6)\nUndistributed earnings $ 490.2 $ 126.4 $ 440.6 \nNet income from continuing operations attributable to common stockholders $ 642.5 $ 276.6 $ 598.2 \nAdd: Net income from discontinued operations \u2014 \u2014 758.9 \nNet income attributable to common stockholders $ 642.5 $ 276.6 $ 1,357.1 \nDenominator\nWeighted average common shares outstanding used in basic per common sharecalculations 53,455,139 54,371,531 59,140,861 Incremental common shares from:\nPSUs 294,808 348,036 403,316 ESPP 33,122 62,961 45,604 MCPS \u2014 \u2014 533,913 \nWeighted average common shares outstanding used in diluted per common sharecalculations 53,783,069 54,782,528 60,123,694 \nEarnings per common share \u2013 BasicDistributed earnings $ 2.85 $ 2.76 $ 2.66 \nUndistributed earnings 9.17 2.33 7.45 \nNet income from continuing operations 12.02 5.09 10.11 \nNet income from discontinued operations \u2014 \u2014 12.84 Net income attributable to common stockholders $ 12.02 $ 5.09 $ 22.95 \nEarnings per common share \u2013 Diluted\nDistributed earnings $ 2.83 $ 2.74 $ 2.62 Undistributed earnings 9.12 2.31 7.41 \nNet income from continuing operations 11.95 5.05 10.03 Net income from discontinued operations \u2014 \u2014 12.63 \nNet income attributable to common stockholders $ 11.95 $ 5.05 $ 22.66 \n \nAverage PSUs totaling 56,456, 52,982 and 2,063 for the years ended December 31, 2023, 2022 and 2021, respectively, were outstanding but were anti-dilutiveand thus not included in the computation of diluted EPS under the treasury stock method. There were no anti-dilutive MCPS for all three years presented.\n26. Restructuring and Related Impairment Charges\nIn December 2022, the Company finalized its plan to realize greater efficiencies by continuing to simplify its business portfolio and leverage its global footprintto reduce costs. This included realigning its organizational structure and talent to support its business strategy (the \u201ctransformational plan\u201d). The Company alsoaccelerated its ongoing real estate consolidation to support work-from-home arrangements given its increasingly hybrid workforce (the \u201creturn to work strategy\u201d).\nIn September 2023, the Company amended and extended the December 2022 plan to include additional actions within the initiatives described above, includingfurther consolidation of its real estate portfolio and additional changes to its organizational structure. The Company now expects to complete these actions by mid-2024.\nF-74", "mimetype": "text/plain", "start_char_idx": 1, "end_char_idx": 2701, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "b4319557-cb19-4ed0-87d5-e82e753776fd": {"__data__": {"id_": "b4319557-cb19-4ed0-87d5-e82e753776fd", "embedding": null, "metadata": {"page_label": "148", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "77132f3f-845f-470d-b5e2-b37f36435304", "node_type": "4", "metadata": {"page_label": "148", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "246b2f8f93cff445a3d204d058706854e0a3e2f2ddb17cedb0548e9faee592cc", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The following table summarizes the costs by major type that are recorded in underwriting, selling, general and administrative expenses in the consolidatedstatement of operations for the years ended December 31, 2023 and 2022, the cumulative costs incurred as of December 31, 2023 and the estimated total costs to beincurred. Substantially all of the charges are expected to be cash. Restructuring costs related to strategic exit activities (outside of normal periodic restructuring andcost management activities) are not allocated to a reportable segment.\nCosts incurred for the year ended December 31, Estimated RemainingCosts Estimated Total Costs2023 2022\nTransformational plan:\nSeverance and other employee benefits $ 21.0 $ 31.7 $ 4.6 $ 57.3 \nTotal transformational plan 21.0 31.7 4.6 57.3 \nReturn to work strategy:\nContract exit costs 6.5 15.5 \u2014 22.0 Fixed asset impairment 1.2 1.1 \u2014 2.3 \nRight-of-use asset impairment 5.6 4.6 \u2014 10.2 \nTotal return to work strategy 13.3 21.2 \u2014 34.5 \nTotal restructuring and impairment charges $ 34.3 $ 52.9 $ 4.6 $ 91.8 \nThe following table shows the rollforward of the accrued liability by major type.\nTransformational Plan Return to Work Strategy (contractexit costs)\nBalance at January 1, 2022 $ \u2014 $ 5.6 \nCharges incurred 31.7 15.5 \nCash payments (2.4) (1.8)\nBalance at December 31, 2022 29.3 19.3 \nCharges incurred 23.0 8.8 \nNon-cash adjustment (2.0) (2.3)\nCash payments (22.5) (8.7)\nBalance at December 31, 2023 $ 27.8 $ 17.1 \n27. Commitments and Contingencies\nLeases\nThe Company and its subsidiaries lease office space and equipment under operating lease arrangements. Certain facility leases contain escalation clauses basedon increases in the lessors\u2019 operating expenses.\nAs of December 31, 2023 and 2022, the lease liability was $35.3 million and $39.7 million, respectively, included in accounts payable and other liabilities in theconsolidated balance sheets. As of December 31, 2023 and 2022, the right-of-use asset was $23.0 million and $29.6 million, respectively, included in other assets inthe consolidated balance sheets. For the years ended December 31, 2023, 2022 and 2021 the operating lease cost recognized for leases with terms in excess of 12months was $19.0 million, $18.1 million and $23.1 million respectively, and related cash outflows reducing the lease liability were $19.4 million, $19.3 million and$23.8 million, respectively. As of December 31, 2023, the weighted average remaining lease term and discount rate was 5.0 years and 5.0%, respectively. As ofDecember 31, 2022, the weighted average remaining lease term and discount rate was 5.6 years and 4.4%, respectively. For the years ended December 31, 2023,2022 and 2021 the short-term lease cost recognized for leases with terms of 12 months or less was $1.1 million, $1.5 million and $2.9 million, respectively.\nF-75", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2841, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "d285cb51-e1ef-4bc1-824d-45b5577bcea1": {"__data__": {"id_": "d285cb51-e1ef-4bc1-824d-45b5577bcea1", "embedding": null, "metadata": {"page_label": "149", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "f1cf4a80-984b-4380-bbb1-84dc9b5518f7", "node_type": "4", "metadata": {"page_label": "149", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "1cf780e0591d79af5e6ab1b47b10dcf005b45a18ed0f5d14409698885f9e834b", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "At December 31, 2023, the lease liability by maturity is as follows:\n2024 $ 15.8 2025 9.0 \n2026 7.0 2027 4.0 2028 1.4 \nThereafter 0.6 \nTotal future lease payments 37.8 \nLess: Imputed interest (2.5)\nTotal lease liability $ 35.3 \nLetters of Credit\nIn the normal course of business, letters of credit are issued for various purposes. These letters of credit are supported by commitments under which theCompany is required to indemnify the financial institution issuing the letter of credit if the letter of credit is drawn. The Company had $2.9 million and $2.7 millionof letters of credit outstanding as of December 31, 2023 and 2022, respectively.\nLegal and Regulatory Matters\nThe Company is involved in a variety of litigation and legal and regulatory proceedings relating to its current and past business operations and, from time totime, it may become involved in other such actions. The Company continues to defend itself vigorously in these proceedings. The Company has participated and mayparticipate in settlements on terms that the Company considers reasonable.\nThe Company has established an accrued liability for certain legal and regulatory proceedings. The possible loss or range of loss resulting from such litigationand regulatory proceedings, if any, in excess of the amounts accrued is inherently unpredictable and uncertain. Consequently, no reasonable estimate can be made ofany possible loss or range of loss in excess of the accrual. Although the Company cannot predict the outcome of any pending legal or regulatory proceeding, or thepotential losses, fines, penalties or equitable relief, if any, that may result, it is possible that such outcome could have a material adverse effect on the Company\u2019sconsolidated results of operations or cash flows for an individual reporting period. However, on the basis of currently available information, management does notbelieve that the pending matters are likely to have a material adverse effect, individually or in the aggregate, on the Company\u2019s financial condition.\nF-76", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2038, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "5e9fe0ae-c016-411d-8ff1-fd2f4ca6e23e": {"__data__": {"id_": "5e9fe0ae-c016-411d-8ff1-fd2f4ca6e23e", "embedding": null, "metadata": {"page_label": "150", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "e6769593-e5cc-4c3b-80e6-bd230a05896d", "node_type": "4", "metadata": {"page_label": "150", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "a5c93e7a6594c467e722aa9b4aeae05ecdc967ed9872453bd01c1e5dae4e1f67", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Assurant, Inc. \nSchedule I \u2013 Summary of Investments Other \u2013 Than \u2013 Investments in Related Parties\nDecember 31, 2023\nCost orAmortized Cost Fair Value\nAmount at whichshown in balancesheet\n (in millions)\nFixed maturity securities:U.S. government and government agencies and authorities $ 68.9 $ 65.2 $ 65.2 States, municipalities and political subdivisions 159.2 149.2 149.2 \nForeign governments 483.1 479.8 479.8 Asset-backed 891.4 873.8 873.8 Commercial mortgage-backed 383.1 330.2 330.2 \nResidential mortgage-backed 534.7 486.0 486.0 U.S. corporate 3,300.5 3,130.4 3,130.4 Foreign corporate 1,471.5 1,397.5 1,397.5 \nTotal fixed maturity securities 7,292.4 6,912.1 6,912.1 \nEquity securities:Common stocks 39.9 17.9 17.9 \nNon-redeemable preferred stocks 203.2 188.5 188.5 Mutual funds 17.0 16.6 16.6 \nTotal equity securities 260.1 223.0 223.0 \nCommercial mortgage loans on real estate 328.7 328.7 \nShort-term investments 258.1 258.1 Other investments 499.0 499.0 \nTotal investments $ 8,638.3 $ 8,220.9 \nF-77", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1006, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "20f76419-ccb7-4ad3-a027-d5fa7a1601ed": {"__data__": {"id_": "20f76419-ccb7-4ad3-a027-d5fa7a1601ed", "embedding": null, "metadata": {"page_label": "151", "file_name": "AIZ 10K - 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2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "2f4ffced-db9a-4bba-b4b5-022e51e0fc86", "node_type": "4", "metadata": {"page_label": "154", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "6987714232396c29cbfe1811cdc8e7ff16b74c6ac5140b3ca667c4bbf5e8fbbc", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Assurant, Inc.\nSchedule II \u2013 Condensed Cash Flows (Parent Only)\n Years Ended December 31,\n 2023 2022 2021\n (in millions)\nOperating ActivitiesNet cash provided by operating activities - discontinued operations $ \u2014 $ \u2014 $ 11.7 Net cash provided by operating activities - continuing operations 345.1 209.0 385.5 \nNet cash provided by operating activities 345.1 209.0 397.2 \nInvesting ActivitiesSales of:\nFixed maturity securities available for sale 183.4 659.0 575.0 Equity securities \u2014 5.0 0.8 Other invested assets 8.0 2.2 4.7 \nProperty, buildings and equipment 1.0 3.1 0.1 Subsidiary, net of cash transferred (1) \u2014 4.8 1,342.9 Maturities, calls, prepayments, and scheduled redemption of:\nFixed maturity securities available for sale 172.2 178.4 70.9 Purchases of:Fixed maturity securities available for sale (155.4) (3.9) (1,231.4)\nEquity securities \u2014 (1.5) \u2014 Other invested assets \u2014 (0.2) (0.7)Property and equipment and other (175.1) (145.6) (123.1)\nCapital contributed to subsidiaries (8.9) (91.8) (67.0)Return of capital contributions from subsidiaries 7.1 10.5 2.5 Change in short-term investments 3.4 33.4 (76.6)\nOther \u2014 (0.1) \u2014 Net cash provided by investing activities 35.7 653.3 498.1 \nFinancing ActivitiesIssuance of debt, net of issuance costs (Note 19 to the Consolidated Financial Statements) 173.2 \u2014 347.2 Repayment of debt (Note 19) (225.0) (75.9) (419.8)\nAcquisition of common stock (193.1) (572.8) (839.3)Preferred stock dividends paid \u2014 \u2014 (4.7)Common stock dividends paid (152.3) (150.2) (157.6)\nEmployee stock purchases and withholdings (4.2) (19.5) (15.6)Net cash used in financing activities (401.4) (818.4) (1,089.8)\nChange in cash and cash equivalents (20.6) 43.9 (194.5)Cash and cash equivalents at beginning of period 126.8 82.9 277.4 \nCash and cash equivalents at end of period $ 106.2 $ 126.8 $ 82.9 \n(1) Amount for the year ended December 31, 2021 related to the sale of the disposed Global Preneed business. For additional information, refer to Note 4 to the Consolidated Financial Statements.\nSee the accompanying Notes to the Parent Only Condensed Financial Statements\nF-81", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2103, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "513903fc-3c37-42f4-8705-399ca6da8b66": {"__data__": {"id_": "513903fc-3c37-42f4-8705-399ca6da8b66", "embedding": null, "metadata": {"page_label": "155", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "92d45c94-6f0d-49bd-a8bb-60237d91a1f3", "node_type": "4", "metadata": {"page_label": "155", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "9c96e2998e908462474a0cab51959c26c15844536611d28986bb7f5eee90f711", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Assurant, Inc.Notes to the Parent Only Condensed Financial Statements\nAssurant, Inc.\u2019s (the \u201cRegistrant\u201d) investments in consolidated subsidiaries are stated at cost plus equity in income of consolidated subsidiaries. The accompanyingParent Only Condensed Financial Statements of the Registrant should be read in conjunction with the Consolidated Financial Statements and Notes thereto of theregistrant and its subsidiaries included in the Registrant\u2019s Annual Report on Form 10-K for the fiscal year ended December 31, 2023 filed with the Securities andExchange Commission on February 15, 2024.\nF-82", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 599, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "74f14a28-6e6d-4b94-aa5c-0fe9fd71f57e": {"__data__": {"id_": "74f14a28-6e6d-4b94-aa5c-0fe9fd71f57e", "embedding": null, "metadata": {"page_label": "156", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "95a1aec3-cae8-4b28-9891-ae499fb8ebe6", "node_type": "4", "metadata": {"page_label": "156", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ae4e807486cdb370685c3bc0eadabbcaef34a1ae92bb42540154ab2ccbc0ed17", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Assurant, Inc. \nSchedule III \u2013 Supplementary Insurance Information\nSegment\nDeferredacquisitioncosts\nFuturepolicybenefits andexpenses Unearnedpremiums\nClaims andbenefitspayable Premiumrevenue\nNetinvestmentincome\nBenefitsclaims, lossesandsettlementexpenses\nAmortizationof deferredacquisitioncosts\nOtheroperatingexpenses (1)\nPropertyandCasualtypremiumswritten\n(in millions)\nYear Ended December 31, 2023\nGlobal Lifestyle $ 9,853.1 $ 8.6 $ 18,550.5 $ 770.0 $ 7,362.6 $ 347.5 $ 1,607.9 $ 3,916.2 $ 2,592.5 $ 848.3 \nGlobal Housing 111.4 \u2014 1,554.9 989.9 2,014.5 109.7 862.0 203.5 612.9 2,075.4 \nCorporate andOther 2.7 478.6 5.0 229.3 \u2014 21.4 0.1 \u2014 130.5 \u2014 \nOther ReconcilingItems (2) \u2014 \u2014 \u2014 \u2014 10.9 10.5 51.8 \u2014 239.5 \u2014 \nTotal $ 9,967.2 $ 487.2 $ 20,110.4 $ 1,989.2 $ 9,388.0 $ 489.1 $ 2,521.8 $ 4,119.7 $ 3,575.4 $ 2,923.7 \nYear Ended December 31, 2022\nGlobal Lifestyle $ 9,566.9 $ 9.5 $ 18,328.4 $ 665.0 $ 6,952.3 $ 253.6 $ 1,356.6 $ 3,430.0 $ 2,719.5 $ 907.1 \nGlobal Housing 106.9 \u2014 1,468.7 1,289.8 1,751.6 75.8 884.1 232.6 597.7 1,896.3 \nCorporate andOther 3.3 498.4 5.3 255.2 \u2014 26.9 0.5 \u2014 126.1 \u2014 \nOther ReconcilingItems (2) \u2014 \u2014 \u2014 \u2014 61.4 7.8 118.6 \u2014 260.4 \u2014 \nTotal $ 9,677.1 $ 507.9 $ 19,802.4 $ 2,210.0 $ 8,765.3 $ 364.1 $ 2,359.8 $ 3,662.6 $ 3,703.7 $ 2,803.4 \nYear Ended December 31, 2021\nGlobal Lifestyle $ 8,699.9 $ 10.8 $ 17,250.4 $ 711.6 $ 6,798.3 $ 202.2 $ 1,356.7 $ 3,034.4 $ 2,899.6 $ 973.4 \nGlobal Housing 107.5 \u2014 1,365.8 651.5 1,711.0 74.6 775.2 233.6 599.6 1,708.1 \nCorporate andOther 3.6 697.5 7.5 159.9 \u2014 31.9 \u2014 \u2014 125.5 \u2014 \nOther ReconcilingItems (2) \u2014 \u2014 \u2014 \u2014 62.8 5.7 70.0 \u2014 189.2 \u2014 \nTotal $ 8,811.0 $ 708.3 $ 18,623.7 $ 1,523.0 $ 8,572.1 $ 314.4 $ 2,201.9 $ 3,268.0 $ 3,813.9 $ 2,681.5 \n(1) Includes amortization of value of business acquired and underwriting, general and administrative expenses.(2) Other reconciling items reflect the items excluded from the segment measure of profitability, Adjusted EBITDA. See Note 6 for more information on Adjusted EBITDA andthe reconciliation of the segment Adjusted EBITDA to the consolidated net income from continuing operations. \nF-83", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2088, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "7b0817fb-07b9-405d-a09d-5bba6e1de490": {"__data__": {"id_": "7b0817fb-07b9-405d-a09d-5bba6e1de490", "embedding": null, "metadata": {"page_label": "157", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "5b8347e7-135d-416a-b082-06e3372aacc5", "node_type": "4", "metadata": {"page_label": "157", "file_name": "AIZ 10K - 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2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "ecd5388a-9976-435e-a9a7-eb333fffc51c", "node_type": "4", "metadata": {"page_label": "159", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f1193ad1a0526a2d032eb7f6a1c7adda6096d0f2a1871f81dc0f10a080fe3500", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Exhibit 10.10\nASSURANT, INC. 2017\nLONG TERM EQUITY INCENTIVE PLAN,\nAS AMENDED AND RESTATED\nSECTION 1. Purpose; Definitions\n1.1. Purpose. The purpose of this Assurant, Inc. 2017 Long Term Equity Incentive Plan (the \u201cPlan\u201d), as amended and restated as of May 13, 2021 and theAmendment Date (as defined in Section 1.2 below), is to give the Company (as defined in Section 1.2 below), a competitive advantage in attracting, retaining, andmotivating officers, employees, directors, and consultants, and to provide the Company and its Subsidiaries and Affiliates with a long term incentive plan providingincentives directly linked to stockholder value.\n1.2. Definitions. Certain terms used herein have definitions given to them in the first place in which they are used. In addition, for purposes of this Plan, thefollowing terms are defined as set forth below:\n(a) \u201cAct\u201d means the Securities Exchange Act of 1934, as amended from time to time, any regulations promulgated thereunder, and any successor thereto.\n(b) \u201cAdministrator\u201d means the Board, the Committee, or such delegates as may be administering the Plan (to the extent permissible by Applicable Law) inaccordance with Section 2 of the Plan.\n(c) \u201cAffiliate\u201d means any Subsidiary and any other corporation or other entity controlled by, controlling, or under common control with, the Company, asdetermined by the Committee.\n(d) \u201cAmendment Date\u201d means November 8, 2023.\n(e) \u201cApplicable Exchange\u201d means the New York Stock Exchange, or such other securities exchange as may at the applicable time be the principal market forthe Common Stock.\n(f) \u201cApplicable Law\u201d means the requirements relating to the administration of incentive plans under U.S, federal and state laws, any stock exchange on whichthe Company has listed the common shares of the Company to the extent provided under the terms of the Company\u2019s agreement with such exchange and,with respect to Awards subject to the laws of any foreign jurisdiction where Awards are, or will be, granted under the Plan, the laws of such jurisdiction.\n(g) \u201cAward\u201d means an Option, Stock Appreciation Right, Restricted Stock, Unrestricted Stock, Restricted Stock Unit, Performance Share, or Performance Unitgranted pursuant to the terms of this Plan.\n(h) \u201cAward Agreement\u201d means one or more documents prepared by the Company, in written or electronic form, that individually or collectively set forth theterms and conditions of an Award as authorized and approved by the Administrator and granted under the Plan. An Award Agreement may be in the form ofeither (i) an agreement that is accepted, acknowledged, or consented to (including by negative consent) by the Participant or (ii) certificates, notices, orother documents evidencing the Award.\n(i) \u201cBeneficial Owner\u201d has the meaning given in Rule 13d-3, promulgated pursuant to the Act.\n(j) \u201cBoard\u201d means the Board of Directors of the Company.\n(k) \u201cCause\u201d means, (i) \u201cCause\u201d as defined by any Individual Agreement to which the Participant is a party and which is operative at the time in question, or(ii) if there is no such Individual Agreement or if the applicable Individual Agreement does not define \u201cCause\u201d, \u201cCause\u201d as defined by any AwardAgreement to which the Participate is a party and which is operative at the time in question, or (iii) if the applicable Award Agreement does not define\u201cCause\u201d, the Committee\u2019s good faith determination that any of the following have occurred: (A) Participant\u2019s commission of, indictment for, conviction of,pleading guilty to, confessing to, or entering of a plea of nolo contendere to any felony or any act of fraud, intentional misrepresentation, dishonesty, theft,\n1", "mimetype": "text/plain", "start_char_idx": 9, "end_char_idx": 3670, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "d685b5d4-d641-49bf-88c0-4c0c90404094": {"__data__": {"id_": "d685b5d4-d641-49bf-88c0-4c0c90404094", "embedding": null, "metadata": {"page_label": "160", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "388d0e85-623a-4637-926f-fc6569b69870", "node_type": "4", "metadata": {"page_label": "160", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "57bc44a112484c735b6d773622f25b27838ce79beb82fa13600768bb846dec6a", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "00576a98-ec03-4edf-93ab-78fd5bc25d44", "node_type": "1", "metadata": {}, "hash": "2de0dada32172771c4c8d1982641f05b9d9ed312dc70afb58cb183504481967e", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "embezzlement, conversion of the assets of the Company, moral turpitude, or a breach of trust, (B) failure on the part of the Participant to performsubstantially such Participant\u2019s employment duties in any material respect, (C) Participant\u2019s prolonged absence from duty, unless pursuant to Companypolicy and/or applicable law regarding employee leaves of absence, or otherwise with the consent of the Company, (D) breach by the Participant of anyduty or contractual obligation owed by Participant to the Company, (E) material violation by Participant of any policy or procedure of the Company, (F)Participant\u2019s negligent or willful misconduct or malfeasance of duty which is reasonably determined to be detrimental to the Company, or (G) to the extentnot covered by another subsection of this definition, Participant intentionally engaging in any activity that is reasonably determined by the Committee to bein conflict with or adverse to the business or other interests of the Company.", "mimetype": "text/plain", "start_char_idx": 9, "end_char_idx": 994, 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"/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "57bc44a112484c735b6d773622f25b27838ce79beb82fa13600768bb846dec6a", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "d685b5d4-d641-49bf-88c0-4c0c90404094", "node_type": "1", "metadata": {"page_label": "160", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e5a0a96ca3fa58c3e46f6c857decb12c592accf11de6f1d79b6bdc1a7839dd8c", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "(l) \u201cChange in Control\u201d shall mean any of the following events:\n(A)    Individuals who, during any 12-month period, constitute the Board (the \u201cIncumbent Directors\u201d) cease for any reason to constitute at least 50% of theBoard; provided that any person becoming a director and whose election or nomination for election is approved by a vote of at least a majority of theIncumbent Directors then on the Board shall be an Incumbent Director; provided, however, that no individual initially elected or nominated as adirector of the Company as a result of an actual or threatened election contest with respect to the election or removal of directors or other actual orthreatened solicitation of proxies or consents by or on behalf of any person as defined in Section 3(a)(9) of the Act (a \u201cPerson\u201d), other than the Board,including by reason of any agreement, shall be deemed an Incumbent Director;\n(B)    Any Person, other than (i) any employee plan established by the Company or any Subsidiary, (ii) the Company or any of its Affiliates, (iii) anunderwriter temporarily holding securities pursuant to an offering of such securities or (iv) an entity owned, directly or indirectly, by shareholders ofthe Company in substantially the same proportions as their ownership of the Company, is or becomes (during any 12-month period) a BeneficialOwner, directly or indirectly, of either (1) 30% or more of the then outstanding shares of common stock of the Company or (2) securities representing30% or more of the combined voting power of the Company\u2019s then-outstanding securities eligible to vote for the election of directors (not includingin the securities beneficially owned by such Person any securities acquired directly from the Company or its Affiliates other than in connection withthe acquisition by the Company or its Affiliates of a business) representing 50% or more of the total voting power of the stock of the Company;provided that the provisions of this subsection (B) are not intended to apply to or include as a Change in Control any transaction that is specificallyexcepted from the definition of Change in Control under subsection (C) below;\n(C)    The consummation of a reorganization, merger, consolidation, statutory share exchange or similar corporate transaction involving the Company or aSubsidiary with any other corporation or other entity, or the issuance of voting securities in connection with such a transaction pursuant to applicablestock exchange requirements (a \u201cTransaction\u201d), unless immediately following the Transaction: (i) all or substantially all of the individuals who wereBeneficial Owners, respectively, of the outstanding shares of common stock of the Company and outstanding securities eligible to vote for theelection of directors immediately prior to the Transaction beneficially own, directly or indirectly, more than 60% of, respectively, the outstandingshares of common stock and the combined voting power of the outstanding securities entitled to vote in the election of directors (either by remainingoutstanding or by being converted into voting securities of the surviving entity of the Transaction or parent entity thereof), (ii) no Person (other thanthe Company, a Subsidiary, the surviving entity, or any employee benefit plan or related trust sponsored or maintained by the foregoing) is orbecomes a Beneficial Owner, directly or indirectly, of 30% or more of the outstanding common stock (not including in the common stock beneficiallyowned by such Person any common stock acquired directly from the Company or its Affiliates other than in connection with the acquisition by theCompany or its Affiliates of a business) or 30% or more of the total voting power of the outstanding securities eligible to vote for the election ofdirectors of the surviving entity; and (iii) at least a majority of the members of the board of the surviving entity were Incumbent Directors at the timeof the Board\u2019s approval of the execution of the initial agreement providing for the Transaction;\n(D)    the sale or disposition by the Company of all or substantially all of the Company\u2019s assets in which any Person acquires (or has acquired during the12-month period ending on the date of the most recent\n2", "mimetype": "text/plain", "start_char_idx": 995, "end_char_idx": 5228, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "b0296a82-8355-4a60-9414-940383c134d5": {"__data__": {"id_": "b0296a82-8355-4a60-9414-940383c134d5", "embedding": null, "metadata": {"page_label": "161", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "71b1912e-8071-49c5-8cfa-3bc177eeb56f", "node_type": "4", "metadata": {"page_label": "161", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "4e386bac809cb06b7ee2f16a1075a6a0af41211bd6a56e61a52c5bcd08fc9d38", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "998dc3ad-72e7-4233-98e1-0b898679ea51", "node_type": "1", "metadata": {}, "hash": "e98e3fe9d6994eef0e43cece8c7fff2a19f908aa67f1716f245342af709803a2", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "acquisition by such Person) assets from the Company that have a total gross fair market value equal to more than 50% of the total gross fair marketvalue of all of the assets of the Company immediately prior to such acquisition or acquisitions; or\n(E)    approval by the stockholders of the Company of a complete liquidation or dissolution of the Company.\nNotwithstanding the foregoing, (a) no Change in Control shall be deemed to have occurred if there is consummated any transaction or series of integratedtransactions immediately following which the record holders of the Shares immediately prior to such transaction or series of transactions continue to havesubstantially the same proportionate ownership in an entity which owns substantially all of the assets of the Company immediately prior to such transaction or seriesof transactions and (b) no Change in Control shall be deemed to have occurred upon the acquisition of additional control of the Company by any Person that isconsidered to effectively control the Company. In no event will a Change in Control be deemed to have occurred if any Participant is part of a \u201cgroup\u201d within themeaning of Section 13(d)(3) of the Act that effects a Change in Control. Notwithstanding the foregoing or any provision of any Award Agreement to the contrary, forany Award that provides for accelerated distribution on a Change in Control of amounts that constitute \u201cdeferred compensation\u201d (as defined in Section 409A of theCode), if the event that constitutes such Change in Control does not also constitute a change in the ownership or effective control of the Company, or in theownership of a substantial portion of the Company\u2019s assets (in either case, as defined in Section 409A of the Code), such amount shall not be distributed on suchChange in Control but instead shall vest as of such Change in Control and shall be distributed on the scheduled payment date specified in the applicable AwardAgreement, except to the extent that earlier distribution would not result in the Participant who holds such Award incurring additional tax or interest under Section409A of the Code.\n(m) \u201cCode\u201d means the Internal Revenue Code of 1986, as amended from time to time, and any successor thereto, regulations promulgated thereunder, and otherrelevant interpretive guidance issued by the Internal Revenue Service or the Treasury Department. Reference to any specific section of the Code shall bedeemed to include such regulations and guidance, as well as any successor provision of the Code.\n(n)  \u201cCommittee\u201d means the Compensation Committee of the Board (or a subcommittee thereof or a successor thereto), unless and until otherwise designatedby the Board. If there is no Compensation Committee of the Board, and the Board does not otherwise designate another committee, references herein to the\u201cCommittee\u201d shall refer to the Board.\n(o) \u201cCommon Stock\u201d means common stock, par value $0.01 per share, of the Company, and such other securities of the Company as may be substituted forCommon Stock pursuant to Section 3.6.\n(p) \u201cCompany\u201d means Assurant, Inc., a Delaware corporation, or any successor thereto.\n(q) \u201cContinuous Service\u201d means the absence of any interruption or termination of service as an employee, officer, consultant or director of the Company or anyAffiliate, as applicable; provided, however, that for purposes of an Incentive Stock Option \u201cContinuous Service\u201d means the absence of any interruption ortermination of service as an employee of the Company or any Subsidiary, as applicable, pursuant to applicable tax regulations. Continuous Service shall notbe considered interrupted in the following cases: (i) a Participant transfers employment between the Company and an Affiliate or between Affiliates, (ii) inthe discretion of the Administrator as specified at or prior to such occurrence, in the case of a spin-off, sale or disposition of the Participant\u2019s employerfrom the Company or any Affiliate, (iii) a Participant transfers from being an employee of the Company or an Affiliate to being a director of the Companyor of an Affiliate, or vice versa, (iv) in the discretion of the Administrator as specified at or prior to such occurrence, a Participant transfers from being anemployee of the Company or an Affiliate to being a consultant to the Company or of an Affiliate, or vice versa, or (v) any leave of absence authorized inwriting by the Company prior to its commencement; provided, however, that for purposes of Incentive Stock Options, no such leave may exceed 90 days,unless reemployment upon expiration of such leave is guaranteed by statute or contract.", "mimetype": "text/plain", "start_char_idx": 9, "end_char_idx": 4634, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "998dc3ad-72e7-4233-98e1-0b898679ea51": {"__data__": {"id_": "998dc3ad-72e7-4233-98e1-0b898679ea51", "embedding": null, "metadata": {"page_label": "161", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "71b1912e-8071-49c5-8cfa-3bc177eeb56f", "node_type": "4", "metadata": {"page_label": "161", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "4e386bac809cb06b7ee2f16a1075a6a0af41211bd6a56e61a52c5bcd08fc9d38", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "b0296a82-8355-4a60-9414-940383c134d5", "node_type": "1", "metadata": {"page_label": "161", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "8d9dfe5b946b4a2f06826d3a85e4e7b8ffc412385d3e7b7cba8f77be6a964970", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "If reemployment upon expiration of a leave of absence approvedby the Company is not so guaranteed, on the 91st day of such leave any Incentive Stock Option held by the Participant shall cease to be treated as anIncentive Stock Option and shall be treated for tax purposes as a Nonqualified Option. Whether military, government or other service or other leave ofabsence shall constitute a termination of Continuous Service shall be determined in each case by the Administrator at its discretion, and any determinationby the Administrator shall be final and conclusive; provided, however, that for purposes of any Award that is\n3", "mimetype": "text/plain", "start_char_idx": 4635, "end_char_idx": 5262, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "17cd4f46-fc8a-439f-a4ff-d4cd6e62942b": {"__data__": {"id_": "17cd4f46-fc8a-439f-a4ff-d4cd6e62942b", "embedding": null, "metadata": {"page_label": "162", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a3faab0b-41df-49c2-b2ef-cbd5aac680a4", "node_type": "4", "metadata": {"page_label": "162", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "052b2f886fedb5fa677fc5815b95bca9a3c63ce30af757f85ac80aa35477f02e", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "subject to Code Section 409A, the determination of a leave of absence must comply with the requirements of a \u201cbona fide leave of absence\u201d as provided inTreas. Reg. Section 1.409A-1(h).\n(r)  \u201cDirector\u201d means a member of the Board.\n(s) \u201cDisability\u201d means (i) \u201cDisability\u201d as defined in the long term disability plan or policy maintained or most recently maintained by the Company or, ifapplicable, an Affiliate or Subsidiary, for any Participant, whether or not such Participant actually receives disability benefits under such plan or policy,except as otherwise defined under Applicable Law for Participants outside the United States, or (ii) if there is no such long term disability plan,\u201cDisability\u201d as defined by any Individual Agreement to which the Participant is a party and which is operative at the time in question, or (iii) if there is nosuch long term disability plan or Individual Agreement or if the applicable long term disability plan and Individual Agreement do not define \u201cDisability,\u201dthe Participant (i) is unable to engage in any substantial gainful activity by reason of any medically determinable physical or mental impairment which canbe expected to result in death or can be expected to last for a continuous period of not less than 12 months, or (ii) is, by reason of any medicallydeterminable physical or mental impairment which can be expected to result in death or can be expected to last for a continuous period of not less than 12months, receiving income replacement benefits for a period of not less than three months under an accident and health plan covering employees of theParticipant\u2019s employer. In the event of a dispute, the determination whether a Participant has a Disability will be made by the Administrator and may besupported by such medical or other evidence as the Administrator deems necessary to judge the nature of the Participant\u2019s condition. Notwithstanding theforegoing: (1) if the determination of Disability relates to an Incentive Stock Option, Disability shall mean \u201cpermanent and total disability\u201d as defined inSection 22(e)(3) of the Code, and (2) if the determination of Disability relates to any Award subject to Section 409A of the Code, Disability shall mean\u201cdisability\u201d as defined within the meaning of Section 409A of the Code and any regulations promulgated thereunder.\n(t) \u201cDisaffiliation`\u201d means a Subsidiary\u2019s or Affiliate\u2019s ceasing to be a Subsidiary or Affiliate for any reason (including, without limitation, as a result of apublic offering, or a spinoff or sale by the Company, of the stock of the Subsidiary or Affiliate) or a sale of a division of the Company or any Subsidiary orAffiliate.\n(u) \u201cDividend Equivalent\u201d has the meaning set forth in Section 9.\n(v) \u201cEffective Date\u201d has the meaning assigned such term in Section 12.1.\n(w) \u201cEligible Individuals\u201d means directors, officers, employees, and consultants of the Company or any Subsidiary or Affiliate.\n(x) \u201cExchange Act\u201d means the U.S. Securities Exchange Act of 1934, as amended.\n(y) \u201cFair Market Value\u201d means the closing price of a share of Common Stock on the Applicable Exchange on the date of measurement or, if Shares were nottraded on the Applicable Exchange on such measurement date, on the next preceding date on which Shares were traded, all as reported by such source asthe Administrator may select. If the Common Stock is not listed on a national securities exchange, Fair Market Value shall be determined by theAdministrator in its good faith discretion, taking into account, to the extent appropriate, the requirements of Section 409A of the Code. With respect to anyproperty other than Shares, the fair market value of such property determined by such methods or procedures as shall be established from time to time bythe Administrator.\n(z) \u201cFull-Value Award\u201d means an Award other than in the form of an Option or SAR, and which is settled by the issuance of Common Stock (or at thediscretion of the Administrator, settled in cash valued by reference to Common Stock value).\n(aa) \u201cGrant Date\u201d means, with respect to each Award, the date upon which an Award that is granted to a Participant pursuant to the Plan becomes effective,which will not be earlier than the date of action by the Administrator.\n(ab) \u201cGood Reason\u201d (or a similar term denoting constructive termination) has the meaning, if any, assigned such term in the Individual Agreement, if any,between a Participant and the Company or an Affiliate; provided, however, that if there is no such Individual Agreement in which such term is defined,\u201cGood Reason\u201d shall have the\n4", "mimetype": "text/plain", "start_char_idx": 9, "end_char_idx": 4586, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "439bc575-f98a-4e2e-8dba-eebddfd1285e": {"__data__": {"id_": "439bc575-f98a-4e2e-8dba-eebddfd1285e", "embedding": null, "metadata": {"page_label": "163", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "b4ff5e4f-fc15-401e-9485-742c1f406fd1", "node_type": "4", "metadata": {"page_label": "163", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "66beff1c2df2b0fb9e111f7d814aa0bd0cf4ba6744bfacfab0cabe7929216151", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "meaning, if any, given such term in the applicable Award Agreement. If not defined in either such document, the term \u201cGood Reason\u201d means termination ofParticipant\u2019s employment by Participant on account of any of the following: (i) a material reduction in the Participant\u2019s total compensation and suchreduction is not related to either individual or corporate performance; (ii) a material reduction in the Participant\u2019s annual or long-term incentiveopportunities; (iii) a material diminution in the Participant\u2019s duties, responsibilities, or authority; or (iv) a relocation of more than 50 miles from theParticipant\u2019s office or location, except for travel reasonably required in the performance of the Participant\u2019s responsibilities. Notwithstanding the foregoing,no termination of employment by the Participant will constitute a \u201cGood Reason\u201d termination unless (A) the Participant gives the Company\u2019s Chief LegalOfficer written notice of the event described in clauses (i) through (iv) above giving rise to the Participant\u2019s intended termination for Good Reason within60 days following the occurrence of such event, (B) the Company does not remedy such event within 30 days of the date of receipt of such written notice,and (C) the Participant terminates employment within 30 days of the end of such cure period.\n(ac) \u201cIncentive Stock Option\u201d means any Option that is designated in the applicable Award Agreement as an \u201cincentive stock option\u201d within the meaning ofSection 422 of the Code or any successor provision thereto, and that in fact so qualifies.\n(ad) \u201cIndividual Agreement\u201d means an employment, consulting, severance, change in control severance, or similar agreement between a Participant and theCompany or between the Participant and any of the Company\u2019s Subsidiaries or Affiliates. For purposes of this Plan, an Individual Agreement shall beconsidered \u201coperative\u201d during its term; provided, that an Individual Agreement under which severance or other substantive protections, compensationand/or benefits are provided only following a change in control or termination of employment in anticipation of a change in control shall not be considered\u201coperative\u201d until the occurrence of a change in control or termination of employment in anticipation of a change in control, as applicable.\n(ae) \u201cISO Eligible Employee\u201d means an employee of the Company, any subsidiary corporation (within the meaning of Section 424(f) of the Code), or parentcorporation (within the meaning of Section 424(e) of the Code).\n(af) \u201cManagement Committee\u201d means the management committee of the Company.\n(ag) \u201cNon-Employee Director\u201d means a director of the Company who is not a common law employee of the Company or an Affiliate.\n(ah) \u201cNonqualified Option\u201d means any Option that either (i) is not designated as an Incentive Stock Option or (ii) is so designated but fails to qualify as such.\n(ai) \u201cOfficer\u201d means a person who is an officer of the Company and within the meaning of Section 16 of the Exchange Act.\n(aj) \u201cOption\u201d means an Award granted under Section 5 of the Plan to purchase Common Stock at a specified price during specified time periods. An Optionmay be either an Incentive Stock Option or a Nonqualified Option.\n(ak) \u201cParticipant\u201d means an Eligible Individual to whom an Award is or has been granted; provided that in the case of the death of a Participant, the term\u201cParticipant\u201d refers to a beneficiary designated pursuant to Section 14.5 or the legal guardian or other legal representative acting in a fiduciary capacity onbehalf of the Participant under applicable state law and court supervision.\n(al) \u201cPerformance Goals\u201d means the performance goals established by the Administrator in connection with the grant of an Award.\n(am) \u201cPerformance Period\u201d means that period established by the Administrator at the time any Award is granted or at any time thereafter during which anyPerformance Goal specified by the Administrator with respect to such Award is to be measured.\n(an) \u201cPerformance Shares\u201d shall have the meaning given in Section 7.1.\n(ao) \u201cPerformance Units\u201d shall have the meaning given in Section 8.1.\n5", "mimetype": "text/plain", "start_char_idx": 9, "end_char_idx": 4127, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "9ee8bae6-bfe7-440c-a0c1-a503a9dc4835": {"__data__": {"id_": "9ee8bae6-bfe7-440c-a0c1-a503a9dc4835", "embedding": null, "metadata": {"page_label": "164", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "4e8d0a21-3a87-452d-a44d-4cc0a7fbcce1", "node_type": "4", "metadata": {"page_label": "164", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "34f87c8aada0ca0edc7d3a8b4509df477facd197f90586c31feb0727129b47c7", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "(ap) \u201cPlan\u201d means this Assurant, Inc. 2017 Long Term Equity Incentive Plan, as set forth herein and as hereafter amended from time to time.\n(aq) \u201cPrior Plan\u201d means the Amended and Restated Assurant, Inc. Long Term Equity Incentive Plan, effective as of January 1, 2012.\n(ar) \u201cRestricted Stock\u201d means any Share subject to certain restrictions and forfeiture conditions, granted pursuant to Section 7.\n(as) \u201cRestricted Stock Units\u201d means a contractual right granted pursuant to Section 8 that is denominated in Shares. Each RSU represents a right to receive thevalue of one Share (or a percentage of such value) in cash, Shares or a combination thereof. Awards of RSUs may include the right to receive dividendequivalents.\n(at) \u201cRetirement\u201d means, unless the Administrator determines otherwise or as required by local law outside the United States, Termination of Service (otherthan by reason of death or Disability and other than in the event of Termination of Service for Cause) from the Company and its Affiliates from either (i)attaining age fifty-five (55) and completing at least ten (10) years of Continuous Service with the Company and its Affiliates or (ii) attaining age sixty-five(65) and competing at least three (3) years of Continuous Service with the Company and its Affiliates.\n(au) \u201cShare\u201d means a share of Common Stock. If there has been an adjustment or substitution with respect to the Shares (whether or not pursuant to Section3.6), the term \u201cShares\u201d shall also include any shares of stock or other securities that are substituted for Shares or into which Shares are adjusted.\n(av) \u201cStock Appreciation Right\u201d or \u201cSAR\u201d has the meaning set forth in Section 6.1.\n(aw) \u201cSubsidiary\u201d means any corporation, partnership, joint venture, limited liability company, or other entity during any period in which at least a 50% votingor profits interest is owned, directly or indirectly, by the Company or any successor to the Company. Whether employment by or service with a Subsidiaryis included within the scope of the Plan shall be determined by the Administrator.\n(ax) \u201cTen Percent Stockholder\u201d means a person owning stock possessing more than 10% of the total combined voting power of all classes of stock of theCompany, any subsidiary corporation (within the meaning of Section 424(f) of the Code), or parent corporation (within the meaning of Section 424(e) ofthe Code).\n(ay) \u201cTerm\u201d means the maximum period during which an Option or Stock Appreciation Right may remain outstanding, subject to earlier termination asspecified in the applicable Award Agreement.\n(az) \u201cTermination of Service\u201d means, the termination of service as an employee, officer, consultant or director of the Company or any Affiliate, as applicable;provided, however, a Termination of Service shall not be deemed to have occurred in the following cases: (i) a Participant transfers employment betweenthe Company and any Affiliate or between Affiliates, (ii) in the discretion of the Administrator as specified at or prior to such occurrence, or (iii) thecessation of employee status but the continuation of the performance of services for the Company or a Subsidiary as a director or consultant shall not bedeemed a cessation of service that would constitute a Termination of Service; provided, further, that a Termination of Service shall be deemed to occur for aParticipant employed by, or performing services for, a Subsidiary when such Subsidiary ceases to be a Subsidiary unless such Participant\u2019s employment orservice continues with the Company or another Subsidiary. Notwithstanding the foregoing, with respect to any Award that constitutes \u201cdeferredcompensation (as defined in Section 409A of the Code), a Termination of Service occurs when a Participant experiences a \u201cseparation of service\u201d (asdefined in Section 409A of the Code).\nSECTION 2. Administration\n2.1. Procedure. The Plan shall be administered by the Board, the Committee, or their respective delegates.\n(a)Awards to the Officers and Directors will be made by the entire Board, by the Administrator or by a subcommittee of the Committee comprised of two ormore \u201cnon-employee directors\u201d within the meaning of Rule 16b-3 under the Exchange Act;\n6", "mimetype": "text/plain", "start_char_idx": 9, "end_char_idx": 4208, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "a16130c0-bcee-49ef-9b29-df1722d1a3d8": {"__data__": {"id_": "a16130c0-bcee-49ef-9b29-df1722d1a3d8", "embedding": null, "metadata": {"page_label": "165", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3139d594-a124-42aa-809c-18651ffa85d2", "node_type": "4", "metadata": {"page_label": "165", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e5441d0febf5a0e29d1d6bfa21f6296e9a9f5f8b0feb51ea8cf5e8c8c87f2d7d", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "(b)Except to the extent prohibited by Applicable Law, the Board or the Committee may delegate to one or more Directors or to authorized officers of theCompany the power to grant Awards to, and administer Awards for, persons eligible to receive Awards under the Plan who are not subject to Section 16 of theExchange Act and any such person(s) when acting within the scope of such delegation shall be deemed one of the Plan\u2019s Administrators with respect to suchAwards.\n(c)Except to the extent prohibited by Applicable Law, the Administrator hereby delegates to the Company\u2019s Chief Executive Officer and Chief People Officer,each individually, and to such persons as they may designate, the day-to-day administration of the Plan, including the authority to execute on behalf of theCompany any instrument required to effect the grant of an Award previously granted by the Administrator, and such other functions as the Administrator maydetermine from time to time (including the powers set forth in Section 2.2). Such delegation may be revoked at any time.\n2.2. Powers of the Administrator. Subject to the provisions of the Plan and, in the case of the Committee or delegates acting as the Administrator, subject to thespecific duties delegated to such Committee or delegates, the Administrator has the authority, in its discretion:\n(a) To select the Eligible Individuals to whom Awards are to be granted;\n(b) To determine whether and to what extent Awards are to be granted;\n(c) To determine the type(s) of Award to be granted and the number of Shares to be covered by each Award granted under the Plan;\n(d) To determine the terms and conditions of each Award granted, based on such factors as the Administrator shall determine, including, without limitation, theachievement of performance criteria or the satisfaction of an event or condition whether or not within the control of the Participant;\n(d)To approve forms of Award Agreements;\n(e)To adopt, alter, or repeal such administrative rules, guidelines, and practices governing the Plan as the Administrator shall from time to time deem advisable;\n(f) To interpret the terms and provisions of the Plan (including sub-plans and Plan addenda) and any Award issued under the Plan (and any agreement relatingthereto);\n(g)Subject to Section 12, to accelerate the vesting or lapse of restrictions of any outstanding Award upon the termination of service of a Participant or inconnection with a Change in Control, based in each case on such considerations as the Administrator in its sole discretion may determine;\n(h)To correct any defect, supply any omission or reconcile any inconsistency in the Plan or in any Award in the manner and to the extent it deems necessary tocarry out the intent of the Plan;\n(i) To adopt rules and procedures relating to the operation and administration of the Plan to accommodate the specific requirements of local laws, procedures,and customs. Without limiting the generality of the foregoing, and subject to Section 15.8, the Administrator is specifically authorized to (A) adopt the rulesand procedures regarding the conversion of local currency, the shift of tax liability from employer to employee (where legally permitted), and withholdingprocedures and handling of stock certificates which vary with local requirements, and (B) adopt sub-plans and Plan addenda as the Administrator deemsdesirable, to accommodate foreign laws, regulations, and practice;\n(j) To prescribe, amend, and rescind rules and regulations relating to the Plan, including rules and regulations relating to sub-plans and Plan addenda;\n(k)To decide all other matters that must be determined in connection with an Award;\n7", "mimetype": "text/plain", "start_char_idx": 9, "end_char_idx": 3685, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "cd1b9be2-7c64-4ec6-ac3a-0694211a4272": {"__data__": {"id_": "cd1b9be2-7c64-4ec6-ac3a-0694211a4272", "embedding": null, "metadata": {"page_label": "166", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "6bcf62d8-8943-4f10-820e-4aadacd02e19", "node_type": "4", "metadata": {"page_label": "166", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "0d94b11d666b64dd1f2298867e4797b5e56b395200101b9b528bbaf4f82f54c9", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "(l) To determine whether, to what extent, and under what circumstances cash, Shares, and other property and other amounts payable with respect to an Awardunder this Plan shall be deferred either automatically or at the election of the Participant; and\n(m)To otherwise administer the Plan and make all determinations deemed necessary and advisable for administering the Plan and any Award granted hereunder.For the avoidance of doubt, the Administrator is authorized to take any action it determines in its sole discretion to be appropriate subject only to the expresslimitations contained in the Plan, and no authorization in any Plan section or provision, or absence thereof, is intended or shall be deemed to constitute alimitation on the authority of the Administrator.\nNotwithstanding any of the foregoing, grants of Awards to Non-Employee Directors under the Plan shall be made only in accordance with the terms, conditions andparameters of a plan, program, or policy for the compensation of Non-Employee Directors that is approved and administered by a committee of the Board consistingsolely of independent directors.\n2.3. Discretion of Administrator. Any determination made by the Administrator under the provisions of the Plan with respect to any Award shall be made in thesole discretion of the Administrator at the time of the grant of the Award or, unless in contravention of any express term of the Plan, at any time thereafter. Alldecisions made by the Administrator shall be final and binding on all persons, including the Company, Participants, and Eligible Individuals. The Administrator isentitled to, in good faith, rely or act upon any report or other information furnished to the Administrator by any officer or other employee of the Company or anyAffiliate, the Company\u2019s or an Affiliate\u2019s independent certified public accountants, Company counsel or any executive compensation consultant or other professionalretained by the Company or the Administrator to assist in the administration of the Plan. Neither the Administrator nor any member of the Board or Committee willbe liable for any good faith determination, act or omission in connection with the Plan or any Award.\n2.4. Award Agreements. Subject to the provisions of the Plan, the terms and conditions of each Award will be determined by the Administrator and set forth in awritten Award Agreement, which may be amended only in accordance with Section 12 hereof.\nSECTION 3. Common Stock Subject to Plan; Limitations on Awards; Adjustment Provisions\n3.1. Number of Shares. Subject to adjustment as provided in Section 3.6, as of the Amendment Date, the aggregate number of Shares reserved and available forissuance pursuant to Awards granted under the Plan shall be 1,840,112, plus a number of additional Shares underlying awards outstanding as of the Amendment Datethat thereafter terminate or expire unexercised, or are cancelled, forfeited or lapse for any reason. The maximum number of Shares that may be issued upon exerciseof Incentive Stock Options granted under the Plan shall be 1,840,112. From and after the Effective Date, no further awards shall be granted under the Prior Plan andthe Prior Plan shall remain in effect only so long as awards granted thereunder shall remain outstanding.\n3.2. Share Counting. Shares covered by an Award shall be subtracted from the Plan share reserve as of the Grant Date but shall be added back to the Plan sharereserve or otherwise treated in accordance with this Section 3.2.\n(a) The full number of Shares subject to the Option shall count against the number of Shares remaining available for issuance pursuant to Awards granted underthe Plan, even if the exercise price of an Option is satisfied through net-settlement or by delivering Shares to the Company (by either actual delivery orattestation).\n(b) Upon exercise of Stock Appreciation Rights that are settled in Shares, the full number of Stock Appreciation Rights (rather than any lesser number based onthe net number of Shares actually delivered upon exercise) shall count against the number of Shares remaining available for issuance pursuant to Awards grantedunder the Plan.\n(c) Shares withheld from an Option or SAR to satisfy tax withholding requirements shall count against the number of Shares remaining available for issuancepursuant to Awards granted under the Plan, and Shares delivered by a participant to satisfy tax withholding requirements with respect to an Option or SAR shallnot be added to the Plan share reserve.\n(d) Shares withheld from a Full-Value Award to satisfy tax withholding requirements shall not count against the number of Shares remaining available forissuance pursuant to Awards granted under the Plan, and Shares delivered by\n8", "mimetype": "text/plain", "start_char_idx": 9, "end_char_idx": 4754, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "be975a67-ede3-4204-8545-ac628b28a1f6": {"__data__": {"id_": "be975a67-ede3-4204-8545-ac628b28a1f6", "embedding": null, "metadata": {"page_label": "167", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "4c9b101e-d375-4eba-989e-aa6fe6939dd4", "node_type": "4", "metadata": {"page_label": "167", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "37bd68297af241a99f8cb63827d27c69de87ada131d7ccd7937f182e97283112", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "a participant to satisfy tax withholding requirements with respect to a Full-Value Award shall be added to the Plan share reserve.\n(e) To the extent that an Award is canceled, terminates, expires, is forfeited, or lapses for any reason, any unissued or forfeited Shares subject to the Award willbe added back to the Plan share reserve and again be available for issuance pursuant to Awards granted under the Plan.\n(f) Shares subject to Awards settled in cash will be added back to the Plan share reserve and again be available for issuance pursuant to Awards granted underthe Plan.\n(g) To the extent that the full number of Shares subject to a Full Value Award is not issued for any reason, including by reason of failure to achieve maximumPerformance Goals, the unissued Shares originally subject to the Award will be added back to the Plan share reserve and again be available for issuance pursuantto Awards granted under the Plan.\n(h) Subject to applicable Exchange requirements, shares available under a stockholder-approved plan of a company acquired by the Company (as appropriatelyadjusted to Shares to reflect the transaction) may be issued under the Plan pursuant to Awards granted to individuals who were not employees of the Company orits Affiliates immediately before such transaction and will not count against the maximum share limitation specified in Section 3.1.\n3.3. Stock Distributed. Any Stock distributed pursuant to an Award may consist, in whole or in part, of authorized and unissued Stock, treasury Stock or Stockpurchased on the open market.\n3.4. Limitation on Awards. Notwithstanding any provision in the Plan to the contrary (but subject to adjustment as provided in Section 3.6):\n(a) Options. The maximum number of Options granted under the Plan in any calendar year to any one Participant shall be for 300,000 Shares.\n(b) SARs. The maximum number of Stock Appreciation Rights granted under the Plan in any calendar year to any one Participant shall be with respect to300,000 Shares.\n(c) Performance-Based Awards. With respect to any calendar year (i) the maximum amount that may be paid to any one Participant for Performance-BasedAwards payable in cash or property other than Shares shall be $7,500,000, and (ii) the maximum number of Shares that may be paid to any one Participant forPerformance-Based Awards shall be 300,000 Shares. For purposes of applying these limits in the case of multi-year performance periods, the amount of cash orproperty or number of Shares deemed paid with respect to any calendar year is the total amount payable or Shares earned for the performance period divided bythe number of calendar years in the performance period.\n(d) Awards to Non-Employee Directors. The maximum number of Shares subject to Non-Employee Director Awards that may be granted to any Non-EmployeeDirector in any calendar year shall be limited to a number that, combined with any cash fees or other compensation paid to such Non-Employee Director, shallnot exceed $750,000 in total value (calculating the value of any such Non-Employee Director Awards based on the grant date fair value of such Awards forfinancial reporting purposes); provided that the Board may make exceptions to this limit for individual Non-Employee Directors in extraordinary circumstancesas the Board may determine in its sole discretion, so long as (i) the aggregate limit does not exceed $850,000 in total value during a fiscal year and (ii) the Non-Employee Director receiving such additional compensation does not participate in the decision to award such compensation or in other contemporaneouscompensation decisions involving Non-Employee Directors.\n3.5. Minimum Vesting Requirements. (a) Subject to the following sentence, Full Value Awards, Options and SARs granted under the Plan shall be subject to aminimum vesting period of three years (which may include graduated vesting within such three-year period; provided, however, that no portion of any Award subjectto graduated vesting shall vest earlier than one year after grant), or one year if the vesting is based on performance criteria other than continued service.Notwithstanding the foregoing, (i) the Administrator may permit and authorize acceleration of vesting of such Full Value Awards, Options or SARs in the event of theParticipant\u2019s termination of service, or the occurrence of a Change in Control, and (ii) the Administrator may grant Full Value Awards, Options and SARs withoutrespect to the above-described minimum vesting requirements with respect to Awards covering 5% or fewer of the total number of Shares authorized under the Plan.\n9", "mimetype": "text/plain", "start_char_idx": 9, "end_char_idx": 4631, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "b0856c72-4afc-4497-b876-1b39206578bb": {"__data__": {"id_": "b0856c72-4afc-4497-b876-1b39206578bb", "embedding": null, "metadata": {"page_label": "168", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "0abc3760-ee62-4277-9759-fb3de966a9ef", "node_type": "4", "metadata": {"page_label": "168", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "c348128e350b9a8a73a0687407b0841599df9a312ce819d65016b4d3b66268a7", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "e3c415f0-6a9f-4d20-b102-bc39886321ac", "node_type": "1", "metadata": {}, "hash": "f475213935d0ecbfb7adcec5076c62d5882f94f85afbb0e3f981d3bd64babf22", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "3.6. Adjustment Provisions. Subject to applicable law, the Administrator shall have authority to make equitable adjustments under the Plan as provided below(including by payment of cash): In the event of a merger, consolidation, acquisition of property or shares, stock rights offering, liquidation, separation, spinoff,Disaffiliation, extraordinary dividend of cash or other property, or similar event affecting the Company or any of its Subsidiaries (a \u201cCorporate Transaction\u201d), theAdministrator, or the Board may in its discretion make such substitutions or adjustments as it deems appropriate and equitable to (i) the aggregate number and kind ofShares or other securities reserved for issuance and delivery under the Plan, (ii) the various maximum limitations set forth in Sections 3.1 and 3.4, (iii) the numberand kind of Shares or other securities subject to outstanding Awards, and (iv) the exercise price of outstanding Awards.\n(a) In the event of a nonreciprocal transaction between the Company and its stockholders that causes the per share value of the Common Stock to change(including, without limitation, a stock dividend, stock split, reverse stock split, share combination, spin-off, rights offering recapitalization, or similar eventaffecting the capital structure of the Company), the Administrator or the Board shall make such substitutions or adjustments as it deems appropriate and equitablein order to prevent dilution or enlargement of rights immediately resulting from such transaction. Action by the Administrator or Board may include adjustmentsto (i) the aggregate number and kind of Shares or other securities reserved for issuance and delivery under the Plan, (ii) the various maximum limitations setforth in Sections 3.1 and 3.4, (iii) the number and kind of Shares or other securities subject to outstanding Awards, and (iv) the exercise price of outstandingAwards.\n(b) In the case of Corporate Transactions, such adjustments may include, without limitation, (i) the cancellation of outstanding Awards in exchange forpayments of cash, property, or a combination thereof having an aggregate value equal to the value of such Awards, as determined by the Administrator or theBoard in its sole discretion (it being understood that, in the case of a Corporate Transaction with respect to which stockholders of Common Stock receiveconsideration other than publicly traded equity securities of the surviving entity, any such determination by the Administrator that the value of an Option or StockAppreciation Right shall for this purpose be deemed to equal the excess, if any, of the value of the consideration being paid for each Share pursuant to suchCorporate Transaction over the exercise price of such Option or Stock Appreciation Right shall conclusively be deemed valid), (ii) the substitution of otherproperty (including, without limitation, cash or other securities of the Company and securities of entities other than the Company) for the Shares subject tooutstanding Awards, and (iii) in connection with any Disaffiliation, arranging for the assumption of Awards, or replacement of Awards with new awards based onother property or other securities (including, without limitation, other securities of the Company and securities of entities other than the Company), by theaffected Subsidiary, Affiliate, or division of the Company or by the entity that controls such Subsidiary, Affiliate, or division of the Company following suchDisaffiliation (as well as any corresponding adjustments to Awards that remain based upon Company securities).\n(c) The Administrator may adjust the Performance Goals applicable to any Awards to reflect any unusual or nonrecurring events and other extraordinary items,including without limitation impact of charges for restructurings, discontinued operations, asset write-downs or impairment charges, litigation or claimjudgments or settlements, acquisitions or divestitures, foreign exchange gains and losses, renegotiations of material contract terms; and natural catastrophes oracts of God and the cumulative effects of accounting or tax changes, each as defined by generally accepted accounting principles or as identified in theCompany\u2019s financial statements, notes to the financial statements, management\u2019s discussion and analysis, or other public filings.\n3.7. Section 409A of the Code.", "mimetype": "text/plain", "start_char_idx": 9, "end_char_idx": 4365, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "e3c415f0-6a9f-4d20-b102-bc39886321ac": {"__data__": {"id_": "e3c415f0-6a9f-4d20-b102-bc39886321ac", "embedding": null, "metadata": {"page_label": "168", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "0abc3760-ee62-4277-9759-fb3de966a9ef", "node_type": "4", "metadata": {"page_label": "168", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "c348128e350b9a8a73a0687407b0841599df9a312ce819d65016b4d3b66268a7", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "b0856c72-4afc-4497-b876-1b39206578bb", "node_type": "1", "metadata": {"page_label": "168", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e31a6092b3b2432603ae69beda53e4be9dc1a43b4b6f5d51e708a8e983069404", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "3.7. Section 409A of the Code. Notwithstanding the foregoing: (a) any adjustments made pursuant to Section 3.6 to Awards that are considered \u201cdeferredcompensation\u201d within the meaning of Section 409A of the Code shall be made in compliance with the requirements of Section 409A of the Code, (b) any adjustmentsmade pursuant to Section 3.6 to Awards that are not considered \u201cdeferred compensation\u201d subject to Section 409A of the Code shall be made in such a manner as toensure that, after such adjustment, the Awards either (i) continue not to be subject to Section 409A of the Code, or (ii) comply with the requirements of Section 409Aof the Code, and (c) in any event, the Administrator shall not have any authority to make any adjustments pursuant to Section 3.6 to the extent the existence of suchauthority would cause an Award that is not intended to be subject to Section 409A of the Code at the Grant Date to be subject thereto as of the Grant Date.\n10", "mimetype": "text/plain", "start_char_idx": 4335, "end_char_idx": 5292, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "5edcd527-06ad-4b45-ad83-2284970e9d7c": {"__data__": {"id_": "5edcd527-06ad-4b45-ad83-2284970e9d7c", "embedding": null, "metadata": {"page_label": "169", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "6c365a32-9f23-4dbf-8cae-3ba7c042f731", "node_type": "4", "metadata": {"page_label": "169", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "2c2915d7996d3181140a25f703a2eb3aea540efaa20217f3040accfdee46e6a0", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "7113e4ed-486b-48b5-98ff-69864e1bf08f", "node_type": "1", "metadata": {}, "hash": "691b1247b46f1e63f5eb891c451664a3eaec5d42dade94990e7ed1c2567aebf1", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "SECTION 4. Eligibility\n4.1. Eligible Individuals; Incentive Stock Options. Awards may be granted under the Plan to Eligible Individuals; provided, however, that Incentive Stock Optionsmay be granted only to employees of the Company and its Subsidiaries or parent corporation (within the meaning of Section 424(f) of the Code). Eligible Individualswho are service providers to an Affiliate may be granted Options or SARs under this Plan only if the Affiliate qualifies as an \u201celigible issuer of service recipientstock\u201d within the meaning of \u00a71.409A-1(b)(5)(iii)(E) of the final regulations under Code Section 409A.\nSECTION 5. Options\nThe Administrator is authorized to grant Options to Eligible Individuals with the following terms and conditions and with such additional terms and conditions, ineither case not inconsistent with the provisions of the Plan, as the Administrator shall determine:\n5.1. Exercise Price. The exercise price per Share subject to an Option shall be determined by the Administrator and set forth in the applicable Award Agreement, andshall not be less than the Fair Market Value of a Share on the applicable Grant Date; provided, however, that if an Incentive Stock Option is granted to a TenPercent Stockholder, the exercise price shall be no less than 110% of the Fair Market Value of the Stock on the applicable Grant Date.\n5.2. Term. The Term of each Option shall be fixed by the Administrator but shall not exceed ten years from the Grant Date. Subject to Section 3.5, the Administratorshall determine the time or times at which an Option becomes vested and exercisable in whole or in part.\n5.3. Vesting and Exercisability. Subject to Section 3.5, Options shall be exercisable at such time or times and subject to such terms and conditions as shall bedetermined by the Administrator.\n5.4. Method of Exercise. Subject to the provisions of this Section 5, Options may be exercised, in whole or in part, at any time during the applicable Term by givingwritten notice of exercise to the Company specifying the number of Shares as to which the Option is being exercised; provided, however, that, unless otherwisepermitted by the Administrator, any such exercise must be with respect to a portion of the applicable Option relating to no less than the lesser of the number ofShares then subject to such Option or 50 Shares. In the case of the exercise of an Option, such notice shall be accompanied by payment in full of the purchaseprice (which shall equal the product of such number of shares multiplied by the applicable exercise price) by certified or bank check or such other instrument asthe Company may accept. The Administrator shall determine the methods by which, and the forms which payment of the exercise price with respect thereto maybe made or deemed to have been made, including cash, Shares, other Awards, other property, net settlement (including broker-assisted cashless exercise) or anycombination thereof, having a Fair Market Value on the exercise date equal to the relevant exercise price.\n5.5. Dividend Equivalents. No Option shall provide for Dividend Equivalents.\n5.6. Incentive Stock Option Limitations. To the extent that the aggregate Fair Market Value, determined at the time of grant, of the Shares with respect to whichIncentive Stock Options are exercisable for the first time during any calendar year under the Plan or any other stock option plan of the Company, any subsidiarycorporation (within the meaning of Section 424(f) of the Code), or parent corporation (within the meaning of Section 424(e) of the Code) exceeds $100,000,such Options shall be deemed Nonqualified Options. If an ISO Eligible Employee does not remain employed by the Company, any subsidiary corporation(within the meaning of Section 424(f) of the Code), or parent corporation (within the meaning of Section 424(e) of the Code) at all times from the time anIncentive Stock Option is granted until 3 months prior to the date of exercise thereof (or such other period as required by applicable law), such Option shall betreated as a Nonqualified Stock Option. Should any provision of the Plan not be necessary in order for any Options to qualify as Incentive Stock Options, orshould any additional provisions be required, the Administrator may amend the Plan accordingly, without the necessity of obtaining the approval of thestockholders of the Company.\n5.7. Delivery; Rights of Stockholders. No Shares shall be delivered pursuant to the exercise of an Option until the exercise price therefor has been fully paid andapplicable taxes have been withheld.", "mimetype": "text/plain", "start_char_idx": 9, "end_char_idx": 4592, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "7113e4ed-486b-48b5-98ff-69864e1bf08f": {"__data__": {"id_": "7113e4ed-486b-48b5-98ff-69864e1bf08f", "embedding": null, "metadata": {"page_label": "169", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "6c365a32-9f23-4dbf-8cae-3ba7c042f731", "node_type": "4", "metadata": {"page_label": "169", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "2c2915d7996d3181140a25f703a2eb3aea540efaa20217f3040accfdee46e6a0", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "5edcd527-06ad-4b45-ad83-2284970e9d7c", "node_type": "1", "metadata": {"page_label": "169", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e7e918450d9af2b2f6d1ed36a3551b0b12784af4473c5fad2430eead2c7da5e5", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The applicable Participant shall have all of the rights of a stockholder of the Company holding the class or series ofCommon Stock that is subject to the Option (including, if applicable, the right to vote the applicable Shares and the right to receive dividends), when (a) theCompany has received a written notice from the Participant of exercise that complies with all procedures\n11", "mimetype": "text/plain", "start_char_idx": 4593, "end_char_idx": 4977, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "8dc93225-8f5a-48ff-9577-05a42a3af697": {"__data__": {"id_": "8dc93225-8f5a-48ff-9577-05a42a3af697", "embedding": null, "metadata": {"page_label": "170", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "7d5af57f-6595-4310-8c02-a082aa324b87", "node_type": "4", "metadata": {"page_label": "170", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "3fa4cc668c4f1677cf4309325e7db8aa17053cb923d3ecc478785c501f21a3dd", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "established under this Plan for effective exercise, including, without limitation, completion and delivery of all required forms, (b) the Participant has, ifrequested, given the representation described in Section 14.6, and (c) the Participant has paid in full for such Shares.\n5.8. No Deferral Feature. No Option shall provide for any feature for the deferral of compensation other than the deferral of recognition of income until theexercise or disposition of the Option.\n5.9. No Repricing. Except for adjustments made pursuant to Section 3.6 of the Plan, the exercise price of any outstanding Option granted under the Plan may not bedecreased, directly or indirectly, after the date of grant nor may any outstanding Option with an exercise price in excess of Fair Market Value be surrendered tothe Company as consideration for cash, the grant of a new Option with a lower exercise price, or the grant of another Award without the approval of theCompany\u2019s stockholders.\nSECTION 6. SARs\nThe Administrator is authorized to grant SARs to Eligible Individuals with the following terms and conditions and with such additional terms and conditions, ineither case not inconsistent with the provisions of the Plan, as the Administrator shall determine:\n6.1. Nature of Stock Appreciation Rights. Upon the exercise of a Stock Appreciation Right, the Participant shall be entitled to receive an amount in cash, Shares, orboth, in value equal to the product of (a) the excess of the Fair Market Value of one Share over the exercise price of the applicable Stock Appreciation Right,multiplied by (b) the number of Shares in respect of which the Stock Appreciation Right has been exercised. The applicable Award Agreement shall specifywhether such payment is to be made in cash or Common Stock or both, or shall reserve to the Administrator or the Participant the right to make thatdetermination prior to or upon the exercise of the Stock Appreciation Right.\n6.2. Type of SARs. SARs may be granted under the Plan to Participants either alone (\u201cfreestanding\u201d) or in addition to other Awards granted under the Plan(\u201ctandem\u201d) and may, but need not, relate to a specific Option granted under Article 4.\n6.3. Exercise Price. The exercise price per Share subject to a SAR shall be determined by the Administrator and set forth in the applicable Award Agreement andshall not be less than the Fair Market Value of a Share on the applicable Grant Date.\n6.4. Term. The Term of each SAR shall be fixed by the Administrator but shall not exceed ten years from the Grant Date. Subject to Section 3.5, the Administratorshall determine the time or times at which a SAR becomes vested and exercisable in whole or in part.\n6.5. Vesting and Exercisability. Subject to Section 3.5, SARs shall be exercisable at such time or times and subject to such terms and conditions as shall bedetermined by the Administrator.\n6.6. Method of Exercise. Subject to the provisions of this 5, SARs may be exercised, in whole or in part, at any time during the applicable Term by giving writtennotice of exercise to the Company specifying the number of Shares as to which the SAR is being exercised; provided, however, that, unless otherwise permittedby the Administrator, any such exercise must be with respect to a portion of the applicable SAR relating to no less than the lesser of the number of Shares thensubject to such SAR or 50 Shares.\n6.7. No Dividend Equivalents. No SAR shall provide for Dividend Equivalents.\n6.8. Delivery; Rights of Stockholders. No Shares shall be delivered pursuant to the exercise of a SAR until the exercise price therefor has been fully paid andapplicable taxes have been withheld. The applicable Participant shall have all of the rights of a stockholder of the Company holding the class or series ofCommon Stock that is subject to the Stock Appreciation Right (including, if applicable, the right to vote the applicable Shares and the right to receivedividends), when (a) the Company has received a written notice from the Participant of exercise that complies with all procedures established under this Plan foreffective exercise, including, without limitation, completion and delivery of all required forms, (b) the Participant has, if requested, given the representationdescribed in Section 14.6, and (c) the Participant has paid in full for such Shares.\n12", "mimetype": "text/plain", "start_char_idx": 9, "end_char_idx": 4358, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "38fcd073-1716-4489-b92d-216182576367": {"__data__": {"id_": "38fcd073-1716-4489-b92d-216182576367", "embedding": null, "metadata": {"page_label": "171", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "28f1213e-0807-45fb-a620-d96b29a191f8", "node_type": "4", "metadata": {"page_label": "171", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "4f6dea8de3213339214ace81f527417796795f536239ee7de3390c3c1a11096a", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "6.9. No Deferral Feature. No SAR shall provide for any feature for the deferral of compensation other than the deferral of recognition of income until the exerciseor disposition of the SAR.\n6.10.No Repricing. Except for adjustments made pursuant to Section 3.6 of the Plan, the exercise price of any outstanding Stock Appreciation Right granted underthe Plan may not be decreased, directly or indirectly, after the date of grant nor may any outstanding Stock Appreciation Right with an exercise price in excessof Fair Market Value be surrendered to the Company as consideration for cash, the grant of a new Stock Appreciation Right with a lower exercise price, or thegrant of another Award without the approval of the Company\u2019s stockholders.\nSECTION 7. Restricted Stock (Including Performance Shares) and Unrestricted Stock\n7.1. Nature of Award; Agreements. Shares of Restricted Stock and Unrestricted Stock are actual Shares issued to a Participant and shall be evidenced in suchmanner as the Administrator may deem appropriate, including book entry registration or issuance of one or more stock certificates. Shares of \u201cRestricted Stock\u201dare Shares that are subject to such restrictions on transferability and other restrictions as the Administrator may impose (including, for example, limitations onthe right to vote Restricted Stock or the right to receive dividends on the Restricted Stock). These restrictions may lapse separately or in combination at suchtimes, under such circumstances, in such installments, upon the satisfaction of performance goals or otherwise, as the Administrator determines at the time of thegrant of the Award or thereafter. Shares of \u201cUnrestricted Stock,\u201d the grant of which are subject to Section 3.5, are Shares not otherwise subject to conditions ongrant, vesting, or transferability. \u201cPerformance Shares\u201d are Shares of Restricted Stock, the vesting of which is subject to the attainment of Performance Goals.Any certificate issued in respect of Shares of Restricted Stock or Unrestricted Stock shall be registered in the name of the applicable Participant and, in the caseof Restricted Stock, shall bear an appropriate legend referring to the terms, conditions, and restrictions applicable to such Award, substantially in the followingform:\n\u201cThe transferability of this certificate and the shares of stock represented hereby are subject to the terms and conditions (including forfeiture) of the Assurant,Inc. 2017 Long Term Equity Incentive Plan and an Award Agreement. Copies of such Plan and Agreement are on file at the offices of Assurant, Inc., 55Broadway, Suite 2901, New York, New York 10006.\u201d\nThe Administrator may require that the certificates evidencing such shares be held in custody by the Company until the restrictions thereon shall have lapsed and that,as a condition of any Award of Restricted Stock, the applicable Participant shall have delivered a stock power, endorsed in blank, relating to the Common Stockcovered by such Award.\n7.2. Terms and Conditions. Shares of Restricted Stock shall be subject to the following terms and conditions:\n(a) The Administrator shall, prior to or at the time of grant, condition (i) the vesting or transferability of an Award of Restricted Stock upon the continuedservice of the applicable Participant or (ii) the grant, vesting, or transferability of an Award of Restricted Stock upon the attainment of Performance Goals, or theattainment of Performance Goals and the continued service of the applicable Participant. In the event that the Administrator conditions the grant or vesting of anAward of Restricted Stock upon the attainment of Performance Goals and the continued service of the applicable Participant, the Administrator may, prior to or atthe time of grant, designate such an Award as a Performance-Based Award. The conditions for grant, vesting, or transferability and the other provisions ofRestricted Stock Awards (including without limitation any Performance Goals applicable to Performance Shares) need not be the same with respect to eachParticipant.\n(b) Subject to the provisions of the Plan and the applicable Award Agreement, during the period, if any, set by the Administrator, commencing with the date ofsuch Restricted Stock Award for which such vesting restrictions apply and until the expiration of such vesting restrictions (the \u201cRestriction Period\u201d), theParticipant shall not be permitted to sell, assign, transfer, pledge, or otherwise encumber Shares of Restricted Stock.\n(c) If any applicable Performance Goals are satisfied and the Restriction Period expires without a prior forfeiture of the Shares of Restricted Stock for whichlegended certificates have been issued, either (i) unlegended certificates for such Shares shall be delivered to the Participant upon surrender of the legendedcertificates, or (ii) such Shares shall be evidenced in such manner as the Administrator may deem appropriate, including book-entry registration.\n13", "mimetype": "text/plain", "start_char_idx": 9, "end_char_idx": 4969, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "05efe613-2a6e-403f-95ad-fbd43cb2dd23": {"__data__": {"id_": "05efe613-2a6e-403f-95ad-fbd43cb2dd23", "embedding": null, "metadata": {"page_label": "172", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a2b3a1b0-3e80-4886-b65d-1d6548e17949", "node_type": "4", "metadata": {"page_label": "172", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "6bb1eb76b5c80a537f7b6598c4de1faeb0bc877904cd8d61eb1c0e3fc0b15e8a", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "7.3. Except as provided in the applicable Award Agreement, the applicable Participant shall have, with respect to Shares of Restricted Stock and Unrestricted Stock,all of the rights of a stockholder of the Company holding the class or series of Common Stock that is the subject of the Restricted Stock or Unrestricted Stock,including, if applicable, the right to vote the Shares and the right to receive any dividends and other distributions.\nSECTION 8. Restricted Stock Units (Including Performance Units)\n8.1. Nature of Award. Restricted Stock Units are Awards denominated in Shares that will be settled, subject to the terms and conditions of the Restricted StockUnits, (a) in cash, based upon the Fair Market Value of a specified number of Shares, (b) in Shares, or (c) a combination thereof. \u201cPerformance Units\u201d are RestrictedStock Units, the vesting of which is subject to the attainment of Performance Goals.\n8.2. Terms and Conditions. Restricted Stock Units shall be subject to the following terms and conditions:\n(a) The Administrator may, prior to or at the time of grant, condition (i) the grant, vesting, or transferability of Restricted Stock Units upon the continued serviceof the applicable Participant or (ii) the grant, vesting, or transferability of Restricted Stock Units upon the attainment of Performance Goals, or the attainment ofPerformance Goals and the continued service of the applicable Participant. In the event that the Administrator grants Performance Units or conditions the grantor vesting of Restricted Stock Units upon the attainment of Performance Goals and the continued service of the applicable Participant, the Administrator may,prior to or at the time of grant, designate such Performance Units or Restricted Stock Units as Performance-Based Awards. The conditions for grant, vesting ortransferability and the other provisions of Restricted Stock Units (including without limitation any Performance Goals applicable to Performance Units) need notbe the same with respect to each Participant. An Award of Restricted Stock Units shall be settled as and when the Restricted Stock Units vest or at a later timespecified by the Administrator or in accordance with an election of the Participant, if the Administrator so permits.\n(b) Subject to the provisions of the Plan and the applicable Award Agreement, during the period, if any, set by the Administrator, commencing with the date ofsuch Restricted Stock Units for which such vesting restrictions apply and until the expiration of such vesting restrictions (the \u201cRestriction Period\u201d), theParticipant shall not be permitted to sell, assign, transfer, pledge, or otherwise encumber Restricted Stock Units.\n(c) The Award Agreement for Restricted Stock Units may specify whether, to what extent, and on what terms and conditions the applicable Participant shall beentitled to receive current or deferred payments of cash, Shares, or other property corresponding to the dividends payable on the Company\u2019s Stock (subject toSection 15.4 below).\nSECTION 9. Dividend Equivalents\n9.1 Nature of Award. The Administrator is authorized to grant Dividend Equivalents with respect to Full-Value Awards granted hereunder, subject to such terms andconditions as may be selected by the Administrator. Dividend Equivalents shall entitle the Participant to receive payments having a value equal to the dividends thatwould be payable with respect to all or a portion of the number of Shares subject to a Full-Value Award, as determined by the Administrator.\n9.2 Terms and Conditions. Dividend Equivalents shall be subject to such terms and conditions as may be determined by the Administrator. Without limiting thegenerality of the foregoing, Dividend Equivalents may be made subject to vesting conditions that are the same as, or different from the vesting conditions of the otherAward to which they relate; may be payable in cash, Shares or other property or any combination thereof; and may be payable at the same time as the related actualdividends are paid to stockholders, or deemed to have been reinvested in additional Shares or otherwise deferred (subject to compliance with the requirements ofSection 409A of the Code).\nSECTION 10. Change in Control Provisions\n10.1 Impact of Event. Unless otherwise provided in the applicable Award Agreement, notwithstanding any other provision of this Plan to the contrary, upon aChange in Control, the Administrator may, in its sole discretion, and on such terms and conditions as it deems appropriate, take any one or more of the followingactions with respect to any outstanding Award, which need not be uniform with respect to all Participants and/or Awards:\n(a) Awards Assumed or Substituted by Surviving Entity. With respect to Awards assumed by the surviving entity or otherwise equitably converted or substitutedin connection with a Change in Control: if within two years after the\n14", "mimetype": "text/plain", "start_char_idx": 9, "end_char_idx": 4915, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "252e4c64-2318-4d9e-918b-0434dc5bfe18": {"__data__": {"id_": "252e4c64-2318-4d9e-918b-0434dc5bfe18", "embedding": null, "metadata": {"page_label": "173", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "da11813a-afb8-4a7b-a3f7-4a1a523ec428", "node_type": "4", "metadata": {"page_label": "173", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "2286a89dff4122905fe00fdd6f7402163e06ce0edb9986a81b1540770935a7fe", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "effective date of the Change in Control, a Participant\u2019s employment is terminated without Cause or the Participant resigns for Good Reason, then (i) all of thatParticipant\u2019s outstanding Options, SARs and other Awards in the nature of rights that may be exercised shall become fully exercisable, (ii) all time-based vestingrestrictions on his or her outstanding Awards shall lapse, and (iii) the payout level under all of that Participant\u2019s Performance-Based Awards that were outstandingimmediately prior to effective time of the Change in Control shall be determined and deemed to have been earned as of the date of termination based upon thegreater of: (A) an assumed achievement of all relevant Performance Goals at the \u201ctarget\u201d level pro-rated based upon the length of time within the performanceperiod that has elapsed prior to the termination of employment date, or (B) the actual level of achievement of all relevant Performance Goals (measured as of thelatest date immediately preceding the date of termination for which performance can, as a practical matter, be determined), and, in either such case, there shall bea payout to such Participant within 60 days following the termination of employment date (unless a later date is required by Section 15.22 hereof). With regard toeach Award, a Participant shall not be considered to have resigned for Good Reason unless either (1) the Award Agreement includes such provision or (2) theParticipant is party to an employment, severance or similar agreement with the Company or an Affiliate that includes provisions in which the Participant ispermitted to resign for Good Reason. Any Awards shall thereafter continue or lapse in accordance with the other provisions of the Plan and the AwardAgreement. To the extent that this provision causes Incentive Stock Options to exceed the dollar limitation set forth in Code Section 422(d), the excess Optionsshall be deemed to be Nonqualified Options.\n(b) Awards not Assumed or Substituted by Surviving Entity. Upon the occurrence of a Change of Control, and except with respect to any Awards assumed bythe surviving entity or otherwise equitably converted or substituted in connection with the Change in Control in a manner approved by the Administrator or theBoard:\n    (i) the vesting of such awards may be accelerated, and the restrictions thereon may lapse in accordance with the following:A. outstanding Options, SARs, and other Awards in the nature of rights that may be exercised shall become fully exercisable;\nB. time-based vesting restrictions on outstanding Awards shall lapse; and\nC. the target payout opportunities attainable under outstanding Performance-Based Awards shall be deemed to have been fullyearned as of the effective date of the Change in Control based upon the greater of: (1) an assumed achievement of all relevant PerformanceGoals at the \u201ctarget\u201d level pro-rated based upon the length of time within the performance period that has elapsed prior to the Change inControl, or (2) the actual level of achievement of all relevant Performance Goals (measured as of the latest date immediately preceding theChange in Control for which performance can, as a practical matter, be determined), and, in either such case, there shall be a payout toParticipants within 60 days following the Change in Control (unless a later date is required by Section 15.22 hereof).\nAny Awards shall thereafter continue or lapse in accordance with the other provisions of the Plan and the Award Certificate. To the extentthat this provision causes Incentive Stock Options to exceed the dollar limitation set forth in Code Section 422(d), the excess Options shallbe deemed to be Nonqualified Stock Options; and\n    (ii) in addition, such Awards may be cancelled in consideration of a payment, with the form, amount and timing of such payment determined by theAdministrator in its sole discretion, subject to the following: (A) such payment shall be made in cash, securities, rights and/or other property; (B) the amount ofsuch payment shall equal the value of such Award, as determined by the Administrator in its sole discretion; provided that, in the case of an Option or SAR, ifsuch value equals (1) the excess, if any, of the price implied per Share in a Change in Control over (2) the exercise price of such Awards multiplied by (3) thenumber of Shares covered by such Award (the \u201cIntrinsic Value\u201d), of such Award, such value shall be deemed to be valid; provided further that, if the IntrinsicValue of an Option or SAR is equal to or less than zero, the Administrator may, in its sole discretion, provide for the cancellation of such Award without paymentof any consideration therefor; and (C) such payment shall be made promptly following such Change in Control or on a specified date or dates following suchChange in Control; provided that the timing of such payment shall comply with Section 409A of the Code.\n15", "mimetype": "text/plain", "start_char_idx": 9, "end_char_idx": 4928, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "9e9c8d78-5a2b-4cea-a198-8088fba5d3ef": {"__data__": {"id_": "9e9c8d78-5a2b-4cea-a198-8088fba5d3ef", "embedding": null, "metadata": {"page_label": "174", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3f446698-6cf0-4a51-8aea-58a0e06c37ed", "node_type": "4", "metadata": {"page_label": "174", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "c0c6a8091b5c7f172714e6816391bbec75d026df1ddc45e7aee448f62c0c23d8", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "10.2    Dissolution or Liquidation. In the event of the dissolution or liquidation of the Company, each Award shall terminate immediately prior to the consummationof such action, unless otherwise determined by the Administrator.\nSECTION 11. Performance-Based Awards\n11.1. Performance-Based Awards. When granting any Award other than an Option or SAR, the Administrator may designate such Award as a Performance-Based Award by conditioning the right of a Participant to have it settled, and the timing thereof, upon the achievement or satisfaction of such Performance Goalswithin a Performance Period, each as may be specified by the Administrator. The Administrator may establish different Performance Periods for differentParticipants, and the Administrator may establish concurrent or overlapping Performance Periods. Performance Periods established by the Administrator for anyPerformance-Based Award may be as short as 12 months and may be any longer period.\n11.2. Performance Goals and Other Conditions. Each Performance-Based Award (other than an Option or SAR) shall be earned, vested, and/or payable (asapplicable) only upon the achievement of one or more Performance Goals, together with the satisfaction of any other conditions, such as continued employment, asthe Administrator may determine to be appropriate. The Administrator may use such business criteria and other performance measures as it may deem appropriate inestablishing any objective Performance Goals for Performance-Based Awards.\n11.3. Inclusions and Exclusions from Performance Goals. The Administrator may provide in any Performance-Based Award, at the time the Performance Goalsare established, that any evaluation of performance shall exclude or otherwise objectively adjust for any specified circumstance or event that occurs during aperformance period, including by way of example but without limitation the following: (a) asset write-downs or impairment charges; (b) litigation or claimjudgments or settlements; (c) the effect of changes in tax laws, accounting principles or other laws or provisions affecting reported results; (d) accruals forreorganization and restructuring programs; (e) extraordinary nonrecurring items as described in then-current accounting principles; (f) extraordinary nonrecurringitems as described in management\u2019s discussion and analysis of financial condition and results of operations appearing in the Company\u2019s annual report to stockholdersfor the applicable year; (g) acquisitions or divestitures; (h) foreign exchange gains and losses; (i) extraordinary renegotiations of material contract terms; and (j)extraordinary natural catastrophes or acts of God.\n11.4. Award Limits. Section 3.4 sets forth (i) the maximum number of Shares that may be granted in any one-year period to a Participant in designated forms ofstock-based Awards, and (ii) the maximum aggregate dollar amount that may be paid with respect to cash-based Awards under the Plan to any one Participant in anyfiscal year of the Company.\nSECTION 12. Term, Amendment, and Termination\n12.1 Effectiveness. The Plan is effective as of May 11, 2017 (the \u201cEffective Date\u201d), which is the date the Plan was approved by the Company\u2019s stockholders. Theamendments to the Plan as set forth herein shall be effective as of the Amendment Date.\n12.2 Termination. Unless earlier terminated as provided herein, the Plan will terminate on the 10th anniversary of the Effective Date or, if the stockholders approvean amendment to the Plan that increases the number of Shares subject to the Plan, the tenth anniversary of the date of such approval. Awards outstanding as of suchdate shall not be affected or impaired by the termination of the Plan.\n12.3 Amendment of Plan. The Board or the Committee may amend, alter, or discontinue the Plan, but no amendment, alteration, or discontinuation shall be madewhich would materially impair the rights of any Participant with respect to a previously granted Award without such Participant\u2019s consent, except such an amendmentmade to comply with applicable law, including, without limitation, Section 409A of the Code, stock exchange rules, or accounting rules. In addition, no suchamendment shall be made without the approval of the Company\u2019s stockholders (a) to the extent that such approval is required (i) by applicable law or by the listingstandards of the Applicable Exchange as in effect as of the Effective Date or (ii) by applicable law or under the listing standards of the Applicable Exchange as maybe required after the Effective Date, (b) to the extent that such amendment would materially increase the benefits accruing to Participants under the Plan, (c) to theextent that such amendment would materially increase the number of securities which may be issued under the Plan, or (d) to the extent that such amendment wouldmaterially modify the requirements for participation in the Plan.\n16", "mimetype": "text/plain", "start_char_idx": 9, "end_char_idx": 4914, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "06e0638d-97a9-4168-bb9e-597baf029983": {"__data__": {"id_": "06e0638d-97a9-4168-bb9e-597baf029983", "embedding": null, "metadata": {"page_label": "175", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "7e10e212-fb4e-4958-beab-ae81c4ed56cf", "node_type": "4", "metadata": {"page_label": "175", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "cf49ba067c4cc222f54701daf662fda166fb328d1ea7dc4a2d5d7f4cf333f2de", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "12.4 Amendment of Awards. Subject to Sections 5.11 and 6.12, the Administrator may unilaterally amend the terms of any Award theretofore granted, but no suchamendment shall, without the Participant\u2019s consent, materially impair the rights of any Participant with respect to an Award, except such an amendment made tocause the Plan or Award to comply with applicable law, stock exchange rules, or accounting rules.\nSECTION 13. Unfunded Status of Plan\n13.1. Unfunded Status; Administrator Authority. It is presently intended that the Plan will constitute an \u201cunfunded\u201d plan for incentive and deferredcompensation. The Administrator may authorize the creation of trusts or other arrangements to meet the obligations created under the Plan to deliver Shares ormake payments; provided, however, that unless the Administrator otherwise determines, the existence of such trusts or other arrangements is consistent withthe \u201cunfunded\u201d status of the Plan.\nSECTION 14. General Provisions Applicable to Awards\n14.1. Consideration for Awards. Awards shall be granted for such cash or other consideration, if any, as the Administrator determines; provided that in no eventshall Awards be issued for less than such minimal consideration as may be required by applicable law.\n14.2. Awards Granted in Tandem. Awards may, in the discretion of the Administrator, be granted either alone or in addition to or in tandem with any other Award orany award granted under any other plan of the Company. Awards granted in addition to or in tandem with other Awards, or in addition to or in tandem with awardsgranted under any other plan of the Company, may be granted either at the same time as or at a different time from the grant of such other Awards or awards.\n14.3. Form of Payments or Transfers. Subject to the terms of the Plan, payments or transfers to be made by the Company upon the grant, exercise or settlement ofan Award may be made in the form of cash, Shares, other Awards, other property, net settlement, or any combination thereof, as determined by the Administrator inits discretion at the time of grant, and may be made in a single payment or transfer, in installments or on a deferred basis, in each case in accordance with rules andprocedures established by the Administrator. Such rules and procedures may include provisions for the payment or crediting of reasonable interest on installment ordeferred payments or the grant or crediting of dividend equivalents in respect of installment or deferred payment.\n14.4. Non-Transferability. Except as otherwise provided in this Section 14.4, Awards under the Plan are not transferable except by will or by laws of descent anddistribution.\n(a)    Nontransferability of Options or SARs. No Option or SAR shall be transferable by a Participant other than, for no value or consideration, (i) by will or by thelaws of descent and distribution, or (ii) in the case of a Nonqualified Option or SAR, as otherwise expressly permitted by the Administrator including, if sopermitted, pursuant to a transfer to the Participant\u2019s family members, whether directly or indirectly or by means of a trust or partnership or otherwise. Forpurposes of this Plan, unless otherwise determined by the Administrator, \u201cfamily member\u201d shall have the meaning given to such term in General InstructionsA.1(a)(5) to Form S-8 under the Securities Act of 1933, as amended, and any successor thereto. Any Option or SAR shall be exercisable, subject to the termsof this Plan, only by the applicable Participant, the guardianor legal representative of such Participant, or any person to whom such Option or SAR ispermissibly transferred pursuant to this Section 14.4(a), it being understood that the term \u201cParticipant\u201d includes such guardian, legal representative and othertransferee; provided, however, that the term \u201cContinuous Service\u201d shall continue to refer to the original Participant\u2019s service as an employee, officer,consultant or director of the Company or any Affiliate, as applicable.\n14.5. Designation of Death Beneficiary. The Administrator may establish such procedures as it deems appropriate for a Participant to designate a beneficiary towhom any amounts payable in the event of such Participant\u2019s death are to be paid or by whom any rights of such Participant after such Participant\u2019s death may beexercised. If no beneficiary designation is in effect for a Participant at the time or his or her death, any such amounts shall be paid to, and any such rights may beexercised by, the estate of the Participant.\n17", "mimetype": "text/plain", "start_char_idx": 9, "end_char_idx": 4541, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "571ca483-8859-46cd-af5c-6b542978a57a": {"__data__": {"id_": "571ca483-8859-46cd-af5c-6b542978a57a", "embedding": null, "metadata": {"page_label": "176", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3ce7e260-9317-45f9-80e0-38d77caa4454", "node_type": "4", "metadata": {"page_label": "176", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "939caf1f74d11381e0e5f2110ff0261ed63b70e469bbd1b4ba9abb6b0f003459", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "1ac22377-89e9-4cb8-b49c-6dbc9d332c92", "node_type": "1", "metadata": {}, "hash": "375dcf536ea4e4e9bfd03c32edcbae2953b7b07b5b8ca37c20d54b0faa934afe", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "14.6. Conditions for Issuance. The Administrator may require each person purchasing or receiving Shares pursuant to an Award to represent to and agree with theCompany in writing that such person is acquiring the Shares without a view to the distribution thereof. The certificates for such Shares may include any legend whichthe Administrator deems appropriate to reflect any restrictions on transfer. Notwithstanding any other provision of the Plan or agreements made pursuant thereto, theCompany shall not be required to issue or deliver any certificate or certificates for Shares under the Plan prior to fulfillment of all of the following conditions: (a)listing or approval for listing upon notice of issuance of such Shares on the Applicable Exchange, (b) any registration or other qualification of such Shares of theCompany under any state or federal law or regulation, or the maintaining in effect of any such registration or other qualification which the Administrator shall, in itsabsolute discretion upon the advice of counsel, deem necessary or advisable, and (c) obtaining any other consent, approval, or permit from any state or federalgovernmental agency which the Administrator shall, in its absolute discretion after receiving the advice of counsel, determine to be necessary or advisable.\n14.7. Delivery of Shares. The Company will not be obligated to deliver any Shares under the Plan or remove restrictions from Shares previously delivered under thePlan until (a) all Award conditions have been met or removed to the Administrator\u2019s satisfaction, (b) as determined by the Administrator, all other legal mattersregarding the issuance and delivery of such Shares have been satisfied, including any applicable securities laws, stock market or exchange rules and regulations oraccounting or tax rules and regulations and (c) the Participant has executed and delivered to the Company such representations or agreements as the Administratordeems necessary or appropriate to satisfy any applicable laws. The Company\u2019s inability to obtain authority from any regulatory body having jurisdiction, which theAdministrator determines is necessary to the lawful issuance and sale of any Shares, will relieve the Company of any liability for failing to issue or sell such Sharesas to which such requisite authority has not been obtained.\n14.8. Restrictions. The Administrator may impose restrictions on any Award with respect to non-competition, non-solicitation, confidentiality and other restrictivecovenants, or requirements to comply with minimum share ownership requirements, as it deems necessary or appropriate in its sole discretion, which suchrestrictions may be set forth in any applicable Award Agreement or otherwise.\nSECTION 15. Miscellaneous\n15.1. Additional Compensation Arrangements. Nothing contained in the Plan shall prevent the Company or any Subsidiary or Affiliate from adopting other oradditional compensation arrangements for its employees.\n15.2. No Contract of Employment. The Plan shall not constitute a contract of employment, and adoption of the Plan shall not confer upon any employee any rightto continued employment, nor shall it interfere in any way with the right of the Company or any Subsidiary or Affiliate to terminate the employment of any employeeat any time.\n15.3. Required Taxes. No later than the date as of which an amount first becomes includible in the gross income of a Participant for federal, state, local, or foreignincome or employment or other tax purposes with respect to any Award under the Plan, such Participant shall pay to the Company, or make arrangements satisfactoryto the Company regarding the payment of, any federal, state, local, or foreign taxes of any kind required by law to be withheld with respect to such amount. Unlessotherwise determined by the Company, withholding obligations may be settled with Shares, including Shares that are part of the Award that gives rise to thewithholding requirement, having a Fair Market Value on the date of withholding equal to the amount required to be withheld for tax purposes, all in accordance withsuch procedures as the Administrator establishes. The obligations of the Company under the Plan shall be conditioned on such payment or arrangements, and theCompany and its Affiliates shall, to the extent permitted by law, have the right to deduct any such taxes from any payment otherwise due to such Participant. TheAdministrator may establish such procedures as it deems appropriate, including making irrevocable elections, for the settlement of withholding obligations withCommon Stock.\n15.4. Limit on Dividend Reinvestment and Dividend Equivalents. Reinvestment of dividends in additional Restricted Stock Units to be settled in Shares, and thepayment of Shares with respect to dividends to Participants holding Awards of Restricted Stock Units, shall only be permissible if sufficient Shares are availableunder Section 3 for such reinvestment or payment (taking into account then outstanding Awards).", "mimetype": "text/plain", "start_char_idx": 9, "end_char_idx": 5025, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "1ac22377-89e9-4cb8-b49c-6dbc9d332c92": {"__data__": {"id_": "1ac22377-89e9-4cb8-b49c-6dbc9d332c92", "embedding": null, "metadata": {"page_label": "176", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3ce7e260-9317-45f9-80e0-38d77caa4454", "node_type": "4", "metadata": {"page_label": "176", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "939caf1f74d11381e0e5f2110ff0261ed63b70e469bbd1b4ba9abb6b0f003459", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "571ca483-8859-46cd-af5c-6b542978a57a", "node_type": "1", "metadata": {"page_label": "176", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d0ec7f92161522141fa187766701bece89283118e95af911dfba6224e4010d13", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "In the event that sufficient Shares are not available for suchreinvestment or payment, such reinvestment or payment shall be made in the form of a grant of Restricted Stock Units equal in number to the Restricted Stock Unitsor Shares that would have been obtained by such payment or reinvestment, the terms of which Restricted Stock Units shall provide for settlement in cash and fordividend equivalent reinvestment in further Restricted Stock Units on the terms contemplated by this Section 15.4.\n18", "mimetype": "text/plain", "start_char_idx": 5026, "end_char_idx": 5526, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "03a9c2ee-5c27-42cc-947a-e3d50d3438a8": {"__data__": {"id_": "03a9c2ee-5c27-42cc-947a-e3d50d3438a8", "embedding": null, "metadata": {"page_label": "177", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "85223b95-9988-4154-80e5-25a2cd00ef79", "node_type": "4", "metadata": {"page_label": "177", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "05d07550bc0d6b73a15bd6633c28c31a382c32daf96dfc385d7be896012accf5", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "15.5. Written Materials; Electronic Documents. Electronic documents may be substituted for any written materials required by the terms of the Plan, including,without limitation, Award Agreements.\n15.6. Subsidiary Employees. In the case of a grant of an Award to any employee of a Subsidiary of the Company, the Company may, if the Administrator so directs,issue or transfer the Shares, if any, covered by the Award to the Subsidiary, for such lawful consideration as the Administrator may specify, upon the condition orunderstanding that the Subsidiary will transfer the Shares to the employee in accordance with the terms of the Award specified by the Administrator pursuant to theprovisions of the Plan. All Shares underlying Awards that are forfeited or canceled shall revert to the Company.\n15.7. Governing Law. The Plan and all Awards made and actions taken thereunder shall be governed by and construed in accordance with the laws of the State ofDelaware, without reference to principles of conflict of laws.\n15.8. Foreign Employees and Foreign Law Considerations. The Administrator may grant Awards to Eligible Individuals who are foreign nationals, who arelocated outside the United States, or who are not compensated from a payroll maintained in the United States, or who are otherwise subject to (or could cause theCompany to be subject to) legal or regulatory provisions of countries or jurisdictions outside the United States, on such terms and conditions different from thosespecified in the Plan as may, in the judgment of the Administrator, be necessary or desirable to foster and promote achievement of the purposes of the Plan, and, infurtherance of such purposes, the Administrator may make such modifications, amendments, procedures, or subplans as may be necessary or advisable to complywith such legal or regulatory provisions.\n15.9. No Rights to Awards; Non-Uniform Determinations. No Participant or Eligible Individual shall have any claim to be granted any Award under the Plan. TheCompany, its Affiliates, or the Administrator shall not be obligated to treat Participants or Eligible Individuals uniformly, and determinations made under the Planmay be made by the Administrator selectively among Participants and/or Eligible Individuals, whether or not such Participants and Eligible Individuals are similarlysituated.\n15.10. Relationship to Other Benefits. No payment under the Plan shall be taken into account in determining any benefits under any pension, retirement, savings,profit sharing, group insurance, welfare, or benefit plan of the Company or any Affiliate unless provided otherwise in such plan.\n15.11. Expenses. The expenses of administering the Plan shall be borne by the Company and its Subsidiaries or Affiliates.\n15.12. Titles and Headings. The titles and headings of the Sections in the Plan are for convenience of reference only, and in the event of any conflict, the text of thePlan, rather than such titles or headings, shall control.\n15.13. Severability. If any provision of the Plan or any Award Agreement is or becomes or is deemed to be invalid, illegal or unenforceable in any jurisdiction, or asto any Person or Award, or would disqualify the Plan or any Award under any law deemed applicable by the Administrator, such provision shall be construed ordeemed amended to conform to applicable laws, or if it cannot be so construed or deemed amended without, in the determination of the Administrator, materiallyaltering the intent of the Plan or the Award Agreement, such provision shall be stricken as to such jurisdiction, Person or Award, and the remainder of the Plan andany such Award Agreement shall remain in full force and effect.\n15.14. Fractional Shares. No fractional Shares shall be issued, and the Administrator shall determine, in its sole discretion, whether cash shall be given in lieu offractional Shares or, subject to Section 3, whether such fractional Shares shall be eliminated by rounding up or down.\n15.15. Trust, Separate Fund or Fiduciary Relationship. Neither the Plan nor any Award shall create or be construed to create a trust or separate fund of any kind ora fiduciary relationship between the Company and a Participant or any other Person. To the extent that any Person acquires a right to receive payments from theCompany pursuant to an Award, such right shall be no greater than the right of any unsecured general creditor of the Company.\n15.16. Successors and Assigns. The terms of the Plan shall be binding upon and inure to the benefit of the Company and any successor entity, including anysuccessor entity contemplated by Section 11.\n19", "mimetype": "text/plain", "start_char_idx": 9, "end_char_idx": 4633, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "663346b8-9763-4393-90b3-481ab362cd68": {"__data__": {"id_": "663346b8-9763-4393-90b3-481ab362cd68", "embedding": null, "metadata": {"page_label": "178", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "2af7ea1e-2c57-4aaf-ac79-8eab1af6476f", "node_type": "4", "metadata": {"page_label": "178", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "2205962d90233c6b2024c49694ee6588fc3556d120b39e0821ab892ffa92e432", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "15.17. Government and Other Regulations. Notwithstanding any other provision of the Plan:\n(a) No Participant who acquires Shares pursuant to the Plan may, during any period of time that such Participant is an affiliate of the Company (within themeaning of regulations promulgated pursuant to the Securities Act of 1933 (the \u201c1933 Act\u201d)), offer or sell such Shares, unless such offer and sale are made (i)pursuant to an effective registration statement under the 1933 Act, which is current and includes the Shares to be sold, or (ii) pursuant to an appropriateexemption from the registration requirements of the 1933 Act, such as that set forth in Rule 144 promulgated under the 1933 Act.\n(b) If at any time the Administrator shall determine that the registration, listing, or qualification of the Shares covered by an Award upon the ApplicableExchange or under any foreign, federal, state, or local law or practice, or the consent or approval of any governmental regulatory body, is necessary or desirableas a condition of, or in connection with, the granting of such Award or the purchase or receipt of Shares thereunder, no Shares may be purchased, delivered, orreceived pursuant to such Award unless and until such registration, listing, qualification, consent, or approval shall have been effected or obtained free of anycondition not acceptable to the Administrator. Any Participant receiving or purchasing Shares pursuant to an Award shall make such representations andagreements and furnish such information as the Administrator may request to assure compliance with the foregoing or any other applicable legal requirements.The Company shall not be required to issue or deliver any certificate or certificates for Shares under the Plan prior to the Administrator\u2019s determination that allrelated requirements have been fulfilled. The Company shall in no event be obligated to register any securities pursuant to the 1933 Act or applicable state orforeign law, or to take any other action in order to cause the issuance and delivery of such certificates to comply with any such law, regulation, or requirement.\n15.18. Additional Provisions. Each Award Agreement may contain such other terms and conditions as the Committee may determine, provided that such other termsand conditions are not inconsistent with the provisions of the Plan.\n15.19. No Limitations on Rights of the Company. The grant of any Award shall not in any way affect the right or power of the Company to make adjustments,reclassifications, or changes in its capital or business structure or to merge, consolidate, dissolve, liquidate, sell, or transfer all or any part of its business or assets.The Plan shall not restrict the authority of the Company, for proper corporate purposes, to draft, grant, or assume Awards, other than under the Plan, with respect toany person.\n15.20. Blackout Periods. Notwithstanding any other provision of this Plan or any Award to the contrary, the Company shall have the authority to establish any\u201cblackout\u201d period that the Company deems necessary or advisable with respect to any or all Awards.\n15.21. Cancellation or \u201cClawback\u201d of Awards.\n(a) The Committee may specify in an Award Agreement that a Participant\u2019s rights, payments and benefits with respect to an Award shall be subject to reduction,cancellation, forfeiture, or recoupment upon the occurrence of certain specified events, in addition to any otherwise applicable vesting or performance conditionsof an Award. Such events may include a Termination of Service with or without Cause (and, in the case of any Cause that is resulting from an indictment or othernon-final determination, the Committee may provide for such Award to be held in escrow or abeyance until a final resolution of the matters related to such eventoccurs, at which time the Award shall either be reduced, cancelled or forfeited as provided in such Award Agreement or remain in effect, depending on theoutcome), violation of material policies, breach of non-competition, non-solicitation, confidentiality or other restrictive covenants, or requirements to complywith minimum share ownership requirements, that may apply to the Participant, or other conduct by the Participant that is determined by the Administrator to bedetrimental to the business or reputation of the Company and/or any or all of its Affiliates.\n(b) The Administrator shall have full authority to implement any policies and procedures necessary to comply with Section 10D of the Act and any rulespromulgated thereunder and any other regulatory regimes. Notwithstanding anything to the contrary contained herein, any Awards granted under the Plan(including any amounts or benefits arising from such Awards) shall be subject to any clawback whether under the Company\u2019s applicable clawback policy or anyadditional arrangements the Company has in place from time to time, and the Committee may, to the extent permitted by applicable law and stock exchange rulesor by any applicable Company policy or arrangement, and shall,\n20", "mimetype": "text/plain", "start_char_idx": 9, "end_char_idx": 5039, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "88bdc644-252e-4e59-a8cd-3457770e00b5": {"__data__": {"id_": "88bdc644-252e-4e59-a8cd-3457770e00b5", "embedding": null, "metadata": {"page_label": "179", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "c1caff5c-d9a8-4407-8ebc-f1b6ea7e144d", "node_type": "4", "metadata": {"page_label": "179", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "dfefd2e389bf4fefae41f6571ccf031af1d89056f720b73fb36a921cb1e088d0", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "41f3fdeb-5fc0-4099-a8b7-2da58946d8ac", "node_type": "1", "metadata": {}, "hash": "ec018ba55130278eda277b268abf944c701b2e32224830701aaf55f7d4fadf44", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "to the extent required, cancel or require reimbursement of any Awards granted to the Participant or any Shares issued or cash received upon vesting, exercise orsettlement of any such Awards or sale of Shares underlying such Awards.\n15.22. Special Provisions Relating to Section 409A of the Code.\n(a) General. It is intended that the payments and benefits provided under the Plan and any Award shall either be exempt from the application of, or comply with,the requirements of Section 409A of the Code. The Plan and all Award Agreements shall be construed in a manner that effects such intent. Nevertheless, the taxtreatment of the benefits provided under the Plan or any Award is not warranted or guaranteed. Neither the Company, its Affiliates nor their respective directors,officers, employees or advisers (other than in his or her capacity as a Participant) shall be held liable for any taxes, interest, penalties or other monetary amountsowed by any Participant or other taxpayer as a result of the Plan or any Award.\n(b) Definitional Restrictions. Notwithstanding anything in the Plan or in any Award Agreement to the contrary, to the extent that any amount or benefit thatwould constitute non-exempt \u201cdeferred compensation\u201d for purposes of Section 409A of the Code (\u201cNon-Exempt Deferred Compensation\u201d) would otherwise bepayable or distributable, or a different form of payment (e.g., lump sum or installment) of such Non-Exempt Deferred Compensation would be effected, under thePlan or any Award Agreement by reason of the occurrence of a Change in Control, or the Participant\u2019s Disability or separation from service, such Non-ExemptDeferred Compensation will not be payable or distributable to the Participant, and/or such different form of payment will not be effected, by reason of suchcircumstance unless the circumstances giving rise to such Change in Control, Disability or separation from service meet any description or definition of \u201cchange incontrol event\u201d, \u201cdisability\u201d or \u201cseparation from service\u201d, as the case may be, in Section 409A of the Code and applicable regulations (without giving effect to anyelective provisions that may be available under such definition). This provision does not affect the dollar amount or prohibit the vesting of any Award upon a Changein Control, Disability or separation from service, however defined. If this provision prevents the payment or distribution of any amount or benefit, or the applicationof a different form of payment of any amount or benefit, such payment or distribution shall be made at the time and in the form that would have applied absent thenon-409A-conforming event.\n(c) Allocation among Possible Exemptions. If any one or more Awards granted under the Plan to a Participant could qualify for any separation pay exemptiondescribed in Treas. Reg. Section 1.409A-1(b)(9), but such Awards in the aggregate exceed the dollar limit permitted for the separation pay exemptions, the Companyshall determine which Awards or portions thereof will be subject to such exemptions.\n(d) Six-Month Delay in Certain Circumstances. Notwithstanding anything in the Plan or in any Award Agreement to the contrary, if any amount or benefit thatwould constitute Non-Exempt Deferred Compensation would otherwise be payable or distributable under this Plan or any Award Agreement by reason of aParticipant\u2019s separation from service during a period in which the Participant is a Specified Employee (as defined below), then, subject to any permissibleacceleration of payment by the Administrator under Treas. Reg. Section 1.409A-3(j)(4)(ii) (domestic relations order), (j)(4)(iii) (conflicts of interest), or (j)(4)(vi)(payment of employment taxes):\n(i) the amount of such Non-Exempt Deferred Compensation that would otherwise be payable during the six-month period immediately following theParticipant\u2019s separation from service will be accumulated through and paid or provided on the first day of the seventh month following the Participant\u2019sseparation from service (or, if the Participant dies during such period, within 30 days after the Participant\u2019s death) (in either case, the \u201cRequired Delay Period\u201d);and\n(ii) the normal payment or distribution schedule for any remaining payments or distributions will resume at the end of the Required Delay Period.", "mimetype": "text/plain", "start_char_idx": 9, "end_char_idx": 4315, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "41f3fdeb-5fc0-4099-a8b7-2da58946d8ac": {"__data__": {"id_": "41f3fdeb-5fc0-4099-a8b7-2da58946d8ac", "embedding": null, "metadata": {"page_label": "179", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "c1caff5c-d9a8-4407-8ebc-f1b6ea7e144d", "node_type": "4", "metadata": {"page_label": "179", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "dfefd2e389bf4fefae41f6571ccf031af1d89056f720b73fb36a921cb1e088d0", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "88bdc644-252e-4e59-a8cd-3457770e00b5", "node_type": "1", "metadata": {"page_label": "179", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "a9a69609c03b37eae30cee53a170d385aa1010e9c5711e7f2bd239e28722fb80", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "For purposes of this Plan, the term \u201cSpecified Employee\u201d has the meaning given such term in Code Section 409A and the final regulations thereunder; provided,however, that, as permitted in such final regulations, the Company\u2019s Specified Employees and its application of the six-month delay rule of Code Section 409A(a)(2)(B)(i) shall be determined in accordance with rules adopted by the Board or any committee of the Board, which shall be applied consistently with respect to allnonqualified deferred compensation arrangements of the Company, including this Plan.\n(e) Installment Payments. If, pursuant to an Award, a Participant is entitled to a series of installment payments, such Participant\u2019s right to the series ofinstallment payments shall be treated as a right to a series of separate payments and not to\n21", "mimetype": "text/plain", "start_char_idx": 4316, "end_char_idx": 5131, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "1e445054-f693-424c-8e74-7d5803f30378": {"__data__": {"id_": "1e445054-f693-424c-8e74-7d5803f30378", "embedding": null, "metadata": {"page_label": "180", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "1ac80226-6edd-410e-a6e7-c927720aabe4", "node_type": "4", "metadata": {"page_label": "180", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "46cc740de1eb72b0ca90aef90b254c6e670b55009c0bcd9c973414b46e6b83ac", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "a single payment. For purposes of the preceding sentence, the term \u201cseries of installment payments\u201d has the meaning provided in Treas. Reg. Section 1.409A-2(b)(2)(iii) (or any successor thereto).\n(f) Timing of Release of Claims. Whenever an Award conditions a payment or benefit on the Participant\u2019s execution and non-revocation of a release of claims,such release must be executed and all revocation periods shall have expired within 60 days after the date of termination of the Participant\u2019s employment; failingwhich such payment or benefit shall be forfeited. If such payment or benefit is exempt from Section 409A of the Code, the Company may elect to make or commencepayment at any time during such 60-day period. If such payment or benefit constitutes Non-Exempt Deferred Compensation, then, subject to subsection (d) above, (i)if such 60-day period begins and ends in a single calendar year, the Company may make or commence payment at any time during such period at its discretion, and(ii) if such 60-day period begins in one calendar year and ends in the next calendar year, the payment shall be made or commence during the second such calendaryear (or any later date specified for such payment under the applicable Award), even if such signing and non-revocation of the release occur during the first suchcalendar year included within such 60-day period. In other words, a Participant is not permitted to influence the calendar year of payment based on the timing ofsigning the release.\n(g) Permitted Acceleration. The Company shall have the sole authority to make any accelerated distribution permissible under Treas. Reg. Section 1.409A-3(j)(4) to Participants of deferred amounts; provided that such distribution(s) meets the requirements of Treas. Reg. Section 1.409A-3(j)(4).\n22", "mimetype": "text/plain", "start_char_idx": 9, "end_char_idx": 1802, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "4460f205-5f9a-457f-b21f-f45e51a4dd6f": {"__data__": {"id_": "4460f205-5f9a-457f-b21f-f45e51a4dd6f", "embedding": null, "metadata": {"page_label": "181", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "10ff9e85-249a-47f5-a6d4-832a3d1965c5", "node_type": "4", "metadata": {"page_label": "181", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "9901e17ebf0c446e45f29eb2e45dce2db51227ea50aeacd68d6127cdce3cf1de", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Exhibit 10.13AMENDED AND RESTATED ASSURANT, INC.\nEXECUTIVE SHORT TERM INCENTIVE PLAN\nSECTION 1.    Purpose, Definitions\n1.1 Purpose; Shareholder Approval. The purpose of this Amended and Restated Assurant, Inc. Executive Short -Term Incentive Plan (\u201cPlan\u201d) is to advancethe interests of the Company and its stockholders in attracting, retaining, and motivating executive officers by providing financial rewards based onachievement of certain performance goals established for each Performance Periods beginning with the Company\u2019s fiscal year 2008. This Plan was approvedby the Company\u2019s stockholders on May 15, 2008 and was amended and restated by the Committee effective as of November 8, 2023.\n1.2 Definitions. Whenever used in the Plan, the following capitalized terms have the meanings set forth below. Capitalized terms used in the Plan but notdefined in this Plan below shall have the meanings set forth in the Amended and Restated Assurant, Inc. 2017 Long Term Equity Incentive Plan, as may beamended from time to time (the \u201cALTEIP\u201d).\n(a) \u201cAct\u201d means the Securities Exchange Act of 1934, as amended, and any regulations promulgated thereunder.\n(b) \u201cAdministrator\u201d means the Committee or such delegates as may be administering the Plan in accordance with Section 2 of the Plan and Applicable Law.\n(c) \u201cAffiliate\u201d means any Subsidiary or other entity that is directly or indirectly controlled by the Company or any entity in which the Company has a significantownership interest as determined by the Administrator.\n(d) \u201cApplicable Law\u201d shall have the meaning given to that term in the ALTEIP.\n(e) Award\u201d means the cash bonus opportunity granted to a Participant under the Plan. An Award is considered \u201cgranted\u201d when the Participant to whom theAward is granted is selected, pursuant to Section 3.1, as eligible to receive that Award.\n(f) \u201cBeneficiary\u201d means the Participant\u2019s surviving spouse or, if none, the Participant\u2019s surviving descendants (who shall take per stirpes) and if there are nosurviving descendants, the Beneficiary shall be the Participant\u2019s estate.\n(g) \u201cBoard\u201d means the Board of Directors of the Company.\n(h) \u201cChange in Control\u201d shall have the meaning given to that term in the ALTEIP.\n(i) \u201cCode\u201d means the Internal Revenue Code of 198, as amended, and any regulations and rulings of general applicability issued thereunder.\n(j) \u201cCommittee\u201d shall have the meaning given to that term in the ALTEIP.\n(k) \u201cCompany\u201d means Assurant, Inc., a Delaware corporation, or any successor thereto.\n(l) \u201cCompetitor\u201d means, unless the Administrator determines otherwise, any person or business that competes with the products or services provided by amember of the Assurant Group for which participant had business responsibilities within 24 months prior to a termination of employment or about whichparticipant obtained Confidential Information.\n1", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2856, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "c8f24485-2462-49b5-9a9a-08a29333be4d": {"__data__": {"id_": "c8f24485-2462-49b5-9a9a-08a29333be4d", "embedding": null, "metadata": {"page_label": "182", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d05770da-91dc-48d4-b0bc-3065bc894533", "node_type": "4", "metadata": {"page_label": "182", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "32000fe08fa17fa7329c2f583275fcae755ea7aed5c519ff004e65e0205d1813", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "(m)\u201cCompetitor Conduct\u201d means, unless the Administrator determines otherwise, accepting employment with, or directly or indirectly providing services to, aCompetitor. If participant has a termination of employment and participant\u2019s responsibilities to the Assurant Group were limited to a specific territory orterritories during the 24 months prior to the termination of employment, then Competitor Conduct will be limited to that specific territory or territorieswithin or outside of the United States.\n(n) \u201cConfidential Information\u201d means any and all data and information relating to the Company, its activities, business, or clients that (i) is disclosed toparticipant or of which participant becomes aware as a consequence of participant\u2019s employment with the Company; (ii) has a value to the Companymonetarily or otherwise; and (iii) is not generally known outside of the Company.\n(o) \u201cDisability\u201d shall have the meaning given to that term in the ALTEIP.\n(p) \u201cEligible Employee\u201d means a regular, active employee of the Company or any Subsidiary, or a prospective employee of the Company or any Subsidiary,who is expected to be among the members of the Management Committee reporting directly to the CEO and officers of the Company who are subject toSection 16 of the Act, as amended from time to time, as of the last day of a given Performance Period.\n(q) \u201cIndividual Agreement\u201d means an employment, severance, change in control severance, or similar agreement between a Participant and the Company orbetween the Participant and any of the Company\u2019s Subsidiaries or Affiliates. For purposes of this Plan, an Individual Agreement shall be considered\u201coperative\u201d during its term; provided that an Individual Agreement under which severance or other substantive protections, compensation and/or benefits areprovided only following a change in control or termination of employment in anticipation of a change in control shall not be considered \u201coperative\u201d until theoccurrence of a change in control or termination of employment in anticipation of a change in control, as applicable.\n(r) \u201cManagement Committee\u201d means the management committee of the Company.\n(s) \u201cMisconduct\u201d means unless the Administrator determines otherwise:\n(1) disclosing or using any of the Assurant Group\u2019s Confidential Information without proper authorization from the Assurant Group or in any capacityother than as necessary for the performance of participant\u2019s assigned duties for the Assurant Group;\n(2) violation of the Code of Ethics or any successor code of conduct or other applicable Assurant Group policies, including but not limited to conductwhich would constitute a breach of any representation or certificate of compliance signed by participant;\n(3) fraud, gross negligence or willful misconduct by participant, including but not limited to fraud, gross negligence or willful misconduct causing orcontributing to an error resulting in a restatement of the financial statements of any member of the Assurant Group;\n(4) directly or indirectly soliciting or recruiting for employment or contract work on behalf of a person or entity other than a member of the AssurantGroup, any person who is an employee, representative, officer or director in the Assurant Group or who held one or more of those positions at anytime within the 12 months prior to participant\u2019s termination of employment;\n(5) directly or indirectly inducing, encouraging or causing an employee of the Assurant Group to terminate their employment or a contract worker toterminate their contract with a member of the Assurant Group;\n2", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3582, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "db2bce97-906d-4278-96cf-f98e97c27571": {"__data__": {"id_": "db2bce97-906d-4278-96cf-f98e97c27571", "embedding": null, "metadata": {"page_label": "183", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "cfe3a5d0-9ab7-4e85-b60a-8780c07dd181", "node_type": "4", "metadata": {"page_label": "183", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f635e9685c988e53bccdc44bf9ed82e3c407fac8ccffffd0af3937f6da183c3a", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "(6) any action by participant and/or their representatives that either does or could reasonably be expected to undermine, diminish or otherwise damagethe relationship between the Assurant Group and any of its customers, prospective customers, vendors, suppliers or employees known toparticipant; or\n(7) breaching any provision of any employment or severance agreement with a member of the Assurant Group.\n(t) \u201cNet Operating Income\u201d means the net operating income excluding reportable catastrophes as defined by the Company\u2019s financial reporting policy.\n(u) \u201cParticipant\u201d means an Eligible Employee selected by the Committee to participate in the Plan for a given Performance Period.\n(v) \u201cPerformance Goal\u201d means the targeted levels of achievement using one or more of the measures determined by the Committee, in its sole discretion, to beapplicable to a Participant during a Performance Period.\n(w) \u201cPerformance Period\u201d means the Company\u2019s fiscal year, or such other period as the Committee shall establish, from time to time, in its sole discretion. Thefirst Performance Period shall be the Company\u2019s fiscal year 2008.(x) \u201cRetirement\u201d means unless the Administrator determines otherwise or as required by local law outside the United States, termination of employment (otherthan by reason of death or disability and other than in the event of Termination for Cause) from the Company and its Affiliates from either (i) attaining agefifty-five (55) and completing at least ten (10) years of Continuous Service with the Company and its Affiliates or (ii) attaining age sixty-five (65) andcompeting at least three (3) years of Continuous Service with the Company and its Affiliates.\n(y) \u201cSubsidiary\u201d means any corporation, limited liability company, partnership, or other entity of which a majority of the outstanding voting stock or votingpower is beneficially owned directly or indirectly by the Company.\n(z) \u201cTermination of Service\u201d shall have the meaning given to that term in the ALTEIP.\n(aa) \u201cTermination for Cause\u201d means termination of employment from the Company and its Affiliates on account of any act of fraud or intentionalmisrepresentation or embezzlement, misappropriation or conversion of assets of the Company or any Affiliate, or the intentional violation of the writtenpolicies or procedures of the Company; provided that for a participant who is eligible for severance benefits under the Assurant, Inc. Severance Pay Plan oris party to an individual severance or employment agreement defining Termination for Cause, \u201cTermination for Cause\u201d has the meaning set forth in suchplan or agreement. For purposes of this Plan, a participant\u2019s termination of employment will be deemed to be a Termination for Cause if, after theparticipant\u2019s employment has terminated, facts and circumstances are discovered that would have justified, in the opinion of the Administrator, aTermination for Cause.\nSECTION 2.    Administration\n2.1.    General. The Plan shall be administrated by the Administrator. The Administrator shall have exclusive and final authority, discretion, and power, subject to theterms of the Plan to:\n(a) Select the Eligible Employees who will be designated as Participants in the Plan and to whom Awards may from time to time be granted;\n3", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3262, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "414f083c-e5e4-4d9b-8b82-2d030255d11b": {"__data__": {"id_": "414f083c-e5e4-4d9b-8b82-2d030255d11b", "embedding": null, "metadata": {"page_label": "184", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "8e014aa0-abee-409a-a215-edba02521a0c", "node_type": "4", "metadata": {"page_label": "184", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "1fec69557032a08fe1c2ba114eb99919e1601428d949710e91978c6baad2ba82", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "(b) Determine the terms and conditions of each Award granted hereunder, based on such factors as the Committee shall determine,\n(c) Interpret the terms and provisions of the Plan and any Award issued under the Plan (and any agreement relating thereto); and\n(d) Otherwise administer the Plan.\n2.2.    Procedures. The Committee may act only by a majority of its members then in office, except that the Committee may, unless otherwise prohibited byApplicable Law, allocate all or any portion of its responsibilities and powers to any one of more of its members as Administrator and may delegate all or any part ofits responsibilities and powers to any person or persons selected by it as. Without limiting the generality of the foregoing, the Committee may not delegate its powersand responsibilities to (a) designate Participants, (b) establish Performance Periods, and (c) certify amounts pursuant to Section 3.4 hereof.\n2.3.    Discretion; Decisions Binding. Any determination made pursuant to the Plan by the Administrator with respect to any Award shall be made in the solediscretion of the Administrator. All decisions made by the Administrator pursuant to the provisions of the Plan shall be final and binding on all persons, including theCompany, Participants, and Eligible Employees.\n2.4.    Expenses. All expenses and liabilities incurred by the Administrator in connection with the administration of the Plan shall be borne by the Company.\nSECTION 3.    Eligibility and Award Terms\n3.1.    Selection of Participants and Granting of Awards for a Performance Period. The Committee shall determine the Participants to whom Awards for aPerformance Period are granted within 90 days after the Performance Period begins, and in any event not later than the date upon which 25% of the PerformancePeriod has elapsed.\n3.2.    Maximum Awards. The total aggregate Awards under the Plan with respect to any Performance Period shall not exceed five percent (5%) of the Company\u2019sNet Operating Income for that Performance Period. For any Performance Period, the maximum Award for each Participant other than the Company\u2019s Chief ExecutiveOfficer shall be (a) (i) one divided by (ii) one plus the total number of Participants (including the Company\u2019s Chief Executive Officer) for that Performance Period,times (b) the total aggregate Awards under the Plan for that Performance Period. For any Performance Period, the maximum Award for the Company\u2019s ChiefExecutive Officer shall be two times the maximum amount determined pursuant to the preceding sentence. Notwithstanding the foregoing, if the Company\u2019s ChiefExecutive Officer is not a Participant in the Plan for a Performance Period, the maximum Award for each Participant for that Performance Period shall be (a) (i) onedivided by (ii) the total number of Participants for that Performance Period, times (b) the total aggregate Awards under the Plan for that Performance Period.\n3.3.    Discretionary Adjustment. The Committee may determine in its sole discretion that for any Performance Period, the total aggregate Awards or any individualAward actually paid shall be less than the maximum amounts described in Section 3.2, based on such factors as it determines to be appropriate, including, but notlimited to, Performance Goals that it has established for one or more Awards, Company-wide or business-unit performance (with respect to revenue, profit, cash flow,or any other measure) against budgeted financial goals, measures of internal controls and compliance initiatives, and assessments of individual performance.However, in no event shall such reduction of any Participant\u2019s Award below the maximum for that Participant result in an increase in the maximum amounts for anyother Participants above the amounts described in Section 3.2.\n4", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3791, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "e13b7b09-66eb-4aba-b00a-ca66761075a6": {"__data__": {"id_": "e13b7b09-66eb-4aba-b00a-ca66761075a6", "embedding": null, "metadata": {"page_label": "185", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "981d7106-adb2-4f64-8b88-0cc0d3ab1c24", "node_type": "4", "metadata": {"page_label": "185", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "61da237492958effa2b223b3444cbd39bd30360d1d8f062beec4a33451e0aa68", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "3.4.    Certification. Following the close of each Performance Period and prior to payment of any Awards for that Performance Period, the Committee will certify theamount of Net Operating Income achieved for that Performance Period and the corresponding maximum amounts described in Section 3.2.\n3.5.    Timing of Payment. Payment of each Award will be made as soon as practicable after the Committee has completed the certification required by Section 3.4for the applicable Performance Period and determined the actual amount to be paid pursuant the Award, but in no event shall payment occur later than the 15th day ofthe third calendar month after the end of the calendar year in which such Award first ceased to be subject to a substantial risk of forfeiture within the meaning ofSection 409A of the Code and the treasury regulations thereunder, unless the Participant has made a valid and timely election to defer receipt of the Award inaccordance with an applicable deferred compensation plan.\n3.6.    Form of Payment. Each Award under the Plan shall be paid in cash or its equivalent. The Committee in its sole discretion may, however, determine that all ora portion of an Award shall be paid in stock, restricted, stock options, stock appreciation rights, or other stock based or stock denominated unites, which shall beissued pursuant to the Company\u2019s equity compensation plans in existence at the time the Award is certified.\n3.7.    Recoupment. Each Award is granted subject to the terms of this Section 3.7.\n(a) Financial Restatements. The Plan will be administered in compliance with Section 10D of the Act, including Rule 10D-1 and Section 303A.14 of the NewYork Stock Exchange Listed Company Manual and the Assurant, Inc. Compensation Clawback Policy, as may be amended from time to time.\n(b) Other Special Repayment and Forfeiture Events. If a Participant engages in Misconduct or Competitor Conduct, as determined by the Administrator, duringemployment or within 12 months after a termination of employment for any reason, then (i) the Participant forfeits any Award that has not yet been paid(including any amounts subject to elective or mandatory deferral) and (ii) the Participant will, within 30 days following written notice from the Company,pay to the Company in cash an amount equal to (A) the gross amount of any Award paid to the Participant at any time within the last 12 months before atermination of employment less (B) $1.00.\n(c) Confidential Information. Notwithstanding anything in this Plan to the contrary, nothing in this Plan will prevent a Participant from testifying truthfully asrequired by law, prohibit or prevent a Participant from filing a charge with or participating, testifying or assisting in any investigation, hearing,whistleblower proceeding or other proceeding before any federal, state or local government agency (e.g., Equal Employment Opportunity Commission,National Labor Relations Board, Securities and Exchange Commission, etc.), or prevent a Participant from disclosing the Company\u2019s confidentialinformation in confidence to a federal, state or local government official for the purpose of reporting or investigating a suspected violation of law.\n3.8.    Employment Requirement. Except as otherwise provided in Section 4, no Award shall be paid to any Participant who is not actively employed by theCompany or an Affiliate on the last day of the Performance Period.\nSECTION 4.    Terminations\n4.1.    Disability or Death. A Participant who terminates employment with the Company during a Performance Period due to Disability or death may, in theCommittee\u2019s discretion, receive an Award in such an amount as the Committee deems to be appropriate. Awards payable in the event of death shall be paid to theParticipant\u2019s Beneficiary.\n4.2.    Retirement and Other Terminations. A Participant who terminates employment with the Company during a Performance Period for any reason other thanDisability or death may, in the Committee\u2019s discretion,\n5", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3998, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "2d453e80-46cd-4e73-9b3a-0eda70f4037a": {"__data__": {"id_": "2d453e80-46cd-4e73-9b3a-0eda70f4037a", "embedding": null, "metadata": {"page_label": "186", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a6963a5e-a0aa-400e-af38-0713fef082c3", "node_type": "4", "metadata": {"page_label": "186", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d6e1b939f3495084c3ee090f737e63d0934aaf0de6b9ebfa0807e62840a07664", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "receive an Award. Such an Award shall not be paid until after the end of the Performance Period and the Committee\u2019s certification pursuant to Section 3.4. In the caseof a termination before the last day of the Performance Period for the Award, for any reason other than Retirement, the maximum amount of the Award shall be themaximum amount determined pursuant to Section 3.4, multiplied by a fraction, the numerator of which is the number of days in the portion of the PerformancePeriod that ends on the date of such termination and the denominator of which is the total number of days in the Performance Period. In the case of a termination onor after the last day of the Performance Period, or any Retirement, the amount of any Award paid pursuant to this Section 4.2 shall not exceed the maximum set forthin Section 3.2, based on the level of achievement certified by the Committee for the entire Performance Period.\n4.3.    Change in Control. Notwithstanding any other provision of the Plan to the contrary, upon a Change in Control:\n(a) With respect to each Award that is then outstanding and unpaid, the Participant shall be paid an amount based on the level of achievement of thePerformance Goals for the Award as determined by the Committee not later than the date of the Change in Control, taking into account performancethrough the latest date preceding the date of the Change in Control as to which performance can, as a practical matter, be determined (but not later thanthe end of the Performance Period); and\n(b) Such Awards shall be paid as soon as practicable after the amounts have been determined, but in any event no later than March 15 of the calendar yearfollowing the year in which the Change in Control took place, except to the extent that a Participant has made a valid and timely election to defer receiptof any Award in accordance with an applicable deferred compensation plan, in which case the terms of such election and such plan shall control.\nSECTION 5.    Term, Amendment, and Termination\n5.1.    Term. The Plan will terminate on the 10th anniversary of the Effective Date. Outstanding Awards on the 10th anniversary of the Effective Date shall not beaffected or impaired by the termination of the Plan.\n5.2.    Amendment of Plan. The Board or the Committee may amend, alter, or discontinue the Plan, but no amendment, alteration, or discontinuation shall be madeby the Board or the Committee which would materially impair the rights of the Participant with respect to a previously granted Award, or any Award pursuant toSection 4.3, without such Participant\u2019s consent, except such an amendment made to comply with Applicable Law, tax rules, stock exchange rules, or accounting rules.In addition, no such amendment or alteration shall be made without the approval of the Company\u2019s stockholders, to the extent such approval is required byApplicable Law or the listing standards of any Applicable Exchange. Any such action by the Board may be taken by a majority of its members in office. In the eventthat any such action of the Board under this Section 5.2 conflicts with any action of the Committee under this Section 5.2, the action of the Board shall govern.\nSECTION 6. Miscellaneous\n6.1.    Compliance with Legal Requirements. The Plan and the grant of Awards shall be subject to all Applicable Laws, rules and regulations, and to such approvalsby any regulatory or governmental agency as may be required.\n6.2.    Governing Law. The Plan and all Awards made and actions taken thereunder shall be governed by and construed in accordance with the laws of the State ofDelaware, without reference to principles of conflict of laws.\n6.3.    Withholding Taxes. The Company shall have the right to make payment of Awards net of any applicable federal, state and local taxes required to be withheld,or to require the Participant to pay such withholding taxes. If the Participant fails to make such tax payments as required, the Company shall, to the extent permittedby law, have\n6", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4009, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "955a6b6a-f4de-41d6-bb4d-d98056fc2e80": {"__data__": {"id_": "955a6b6a-f4de-41d6-bb4d-d98056fc2e80", "embedding": null, "metadata": {"page_label": "187", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "b7e5cec0-7005-4157-a3e2-519af7d03f58", "node_type": "4", "metadata": {"page_label": "187", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "2e9c571417a6a6e2974e33f215e053f5cc1d40f77af818d2d85aa9760bfd0f49", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "the right to deduct any such taxes from any payment of any kind otherwise due to such Participant or to take such other action as may be necessary to satisfy suchwithholding obligations.\n6.4.    No Right to Employment. Nothing in the Plan shall interfere with or limit in any way the right of the Company or any Subsidiary to terminate anyParticipant\u2019s employment at any time, nor confer upon any Participant any right to continue in the employ of the Company or any Subsidiary.\n6.5.    No Right to Participate. No Eligible Employee shall have any right to be selected to participate in the Plan in any Performance Period.\n6.6.    Nontransferability. No Award may be sold, assigned, transferred, pledged, hypothecated, or otherwise disposed of, including assignment pursuant to adomestic relations order, prior to certification of the Award. Each Award shall be paid during the Participant\u2019s lifetime only to the Participant, or, if permissible underApplicable Law, to the Participant\u2019s legal representatives. No Award shall, prior to receipt thereof by the Participant, be in any manner subject to the debts, contracts,liabilities, or torts of the Participant.\n6.7.    Severability. If any provision of the Plan is, becomes, or is deemed to be invalid, illegal, or unenforceable in any jurisdiction, or would disqualify the Planunder any law deemed applicable by the Committee, such provision shall be construed or deemed amended to conform to Applicable Laws; or, if it cannot be soconstrued or deemed amended without, in the determination of the Committee, materially altering the purpose or intent of the Plan, such provision will be stricken asto such jurisdiction, and the remainder of the PIan shall remain in full force and effect.\n6.8.    No Fund Created. Neither the Plan nor any Award shall create or be construed to create a trust or separate fund of any kind or a fiduciary relationship betweenthe Company and a Participant or any other person. To the extent that any person acquires a right to receive payments from the Company pursuant to an Award, suchright shall be no greater than the right of any unsecured general creditor of the Company or any Subsidiary.\n6.9.    Expenses. The expenses of administering the Plan shall be borne by the Company and its Subsidiaries or Affiliates.\n6.10.    Titles and Headings. The titles and headings of the Sections in the Plan are for convenience of reference only, and in the event of any conflict, the text of thePlan, rather than such titles or headings, shall control.\n6.11.    Successors and Assigns. The terms of the Plan shall be binding upon and inure to the benefit of the Company and any successor entity.\n6.12.    Special Provisions Relating to Section 409A of the Code. Section 15.22 of the ALTEIP is hereby incorporated by reference, as applicable.\n6.13.    Non-Exclusivity of Plan. Neither adoption of the Plan by the Board nor submission of the Plan to the stockholders of the Company for approval shall beconstrued as creating any limitations on the power of the Board or the Committee to adopt such other incentive arrangements as either may deem desirable, including,without limitation, cash or equity-based compensation arrangements, either tied to performance or otherwise.\n7", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3250, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "1da77f77-19ad-450e-9d4d-9de371da54f9": {"__data__": {"id_": "1da77f77-19ad-450e-9d4d-9de371da54f9", "embedding": null, "metadata": {"page_label": "188", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "000a1d69-5a3d-4a0b-a587-86f203af70c5", "node_type": "4", "metadata": {"page_label": "188", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "3584baa9a972b0a7eada185ccea18f4b67cd054a9da66a714849c18413bd68c2", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Exhibit 10.36\nSEPARATION AGREEMENT\nTHIS SEPARATION AGREEMENT (\u201cAgreement\u201d) is entered into effective as of November 14, 2023, by and between Assurant, Inc. and itsaffiliates, subsidiaries, and any successors thereto (collectively \u201cCompany\u201d) and Richard Dziadzio (\u201cEmployee\u201d).\nWHEREAS, Company has determined to terminate the employment relationship with Employee, and Employee and Company agree to terminatethe employment relationship on the terms set forth in this Agreement and to agree to certain postemployment covenants;\nNOW, THEREFORE, in consideration of the mutual covenants, promises and representations in this Agreement and the General Release andCovenant Not to Sue contained herein, Employee and Company agree as follows:\n1. Termination of Employment\nEmployee\u2019s role as Chief Financial Officer and as an executive officer of Company shall cease effective November 15, 2023. Employee\u2019s employment withCompany shall cease effective as of March 18, 2024 (\u201cTermination Date\u201d). From and after the Termination Date, Employee shall not hold any office or position with,nor maintain any other status as an employee or agent of, Company. Effective on the Termination Date, all agreements between the Employee and Company arehereby terminated and shall be of no further force and effect.\n2. Severance Payments\nCompany shall pay to Employee, as severance pay in connection with the termination of employment, (x) an amount equal to one (1) times Employee\u2019sannual base salary ($680,000) plus target annual 2023 bonus under the Amended and Restated Assurant, Inc. Executive Short Term Incentive Plan (\u201cESTIP\u201d)($680,000), payable in equal monthly installments in accordance with Company\u2019s usual payroll practices over a period of twelve (12) months following theTermination Date and (y) Employee\u2019s 2023 annual ESTIP bonus paid based 80% on the final 2023 financial factor and 20% on the individual performance factor attarget (1.0), payable as soon as administratively feasible following the Determination Date (as defined in the ESTIP) (\u201cSeverance Payment\u201d). For the avoidance ofdoubt, Company shall not pay any 2024 annual ESTIP bonus to Employee.\nSuch payments shall be subject to Employee\u2019s compliance with the Employee Covenants set forth in Section 7 hereof and shall also be subject to applicabletax withholding requirements. The Severance Payment shall be in lieu of any other severance payments to which Employee may be entitled under the Companyseverance plan or any other plan, program, or agreement of or with Company. For the avoidance of doubt, any breach or threatened breach of any of the EmployeeCovenants set forth in Section 7 hereof shall, unless waived by the Company\u2019s Chief Administrative Officer, result in a cessation of the Severance Payment.\n3. Equity Plan\nThe unvested portion of the equity awards granted to Employee during Employee\u2019s employment with Company shall vest on a pro-rata basis consistent withthe terms and conditions of their respective award agreements. Equity awards that vest in March 2024 are subject to a 6-month hold given Employee\u2019s status as a\u201cspecified employee\u201d within the meaning of Internal Revenue Code Section 409A.\n4. Employee Benefits\na. COBRA Continuation. Company shall pay Employee an amount equal to and at the same after-tax cost to Employee, as twelve (12) months ofCompany\u2019s employer contributions for Employee\u2019s health insurance coverage pursuant to Company\u2019s plans, which Employee may use toward anygroup medical, dental, vision and/or prescription drug plan benefits to which Employee and/or Employee\u2019s eligible dependents would be entitled tounder Section 4980B of the Internal Revenue Code (\u201cCOBRA\u201d). Such payments under this Section shall be paid in equal monthly installments inaccordance with Company\u2019s usual payroll practices over a period of twelve (12) months following the Termination Date and shall be subject toEmployee\u2019s compliance with the Employee Covenants set forth in Section 7 hereof.", "mimetype": "text/plain", "start_char_idx": 9, "end_char_idx": 3978, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "d8c828de-a9ca-4a33-8af0-dc88c47ebd71": {"__data__": {"id_": "d8c828de-a9ca-4a33-8af0-dc88c47ebd71", "embedding": null, "metadata": {"page_label": "189", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "6194fc18-0dd3-4c32-acb4-d57da4f407c6", "node_type": "4", "metadata": {"page_label": "189", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b11b2b7ffd23e3f05461cfa74d90953ce4d2d2198932532104805cc292e45dd7", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "b. Outplacement Services. Company shall provide Employee a 12-month program of senior level outplacement services by Lee Hecht Harrison, providedEmployee commences the program within twelve (12) months of the Termination Date.\nc. Other Benefits. Except for Company\u2019s severance plan and as specifically provided herein, this Agreement shall have no effect on the rights of Employeeto payments or other benefits due to Employee pursuant to the terms of any employee benefit plans of Company in which Employee participates. Noportion of the Severance Payment shall be taken into account in determining the amount of any such employee benefit. On the next scheduled payrolldate after the Termination Date, Company shall pay Employee, through direct deposit, an amount equal to Employee\u2019s accrued but unused paid time offpursuant to Company\u2019s policy.\n5. Trading Restrictions\nEffective immediately following the Termination Date, Employee shall no longer be subject to Company\u2019s securities trading policies. Employee is reminded,however, that trading on the basis of material non-public information, or providing such information to others so that they may trade, is a violation of the federalsecurities laws.\n6. Employee Protection. \n    Nothing in this Agreement or otherwise limits Employee\u2019s ability to communicate directly with and provide information, including documents, not otherwiseprotected from disclosure by any applicable law or privilege to the Securities and Exchange Commission (\u201cSEC\u201d) or any other federal, state or local governmentalagency or commission (\u201cGovernment Agencies\u201d) regarding possible legal violations, without disclosure to the Company.  The Company may not retaliate againstEmployee for any of these activities, and nothing in this Agreement or otherwise requires Employee to waive any monetary award or other payment that Employeemight become entitled to from the SEC or any other Government Agency. Nothing in this Agreement or otherwise requires Employee to disclose anycommunications Employee may have had or information Employee may have provided to the SEC or any other Government Agencies regarding possible legalviolations.\nNotwithstanding anything to the contrary in this Agreement or otherwise, as provided for in the Defend Trade Secrets Act of 2016 (18 U.S.C. \u00a7 1833(b)), Employeewill not be held criminally or civilly liable under any federal or state trade secret law for the disclosure of a trade secret that (i) is made (A) in confidence to a federal,state, or local government official, either directly or indirectly, or to an attorney, and (B) solely for the purpose of reporting or investigating a suspected violation oflaw; or (ii) is made in a complaint or other document filed in a lawsuit or other proceeding, if such filing is made under seal. Without limiting the foregoing, ifEmployee files a lawsuit for retaliation by Company for reporting a suspected violation of law, Employee may disclose the trade secret to her attorney and use thetrade secret information in the court proceeding, if Employee (x) files any document containing the trade secret under seal, and (y) does not disclose the trade secret,except pursuant to court order.\n7. Employee Covenants\na. Confidential Information. Employee shall not, (i) except as set forth in Section 6 hereof, or (ii) except as required by law or by order of a governmentagency or court of competent jurisdiction, disclose to any person, firm, corporation or other business entity any Confidential Information (as definedherein) proprietary to the Company concerning the business, finances, products, services, operations, clients, employees, affairs or prospects ofCompany, for any reason or purpose whatsoever, or (iii) make use of any Confidential Information for personal purposes or for the benefit of anyperson, firm, corporation or other entity except Company. \u201cConfidential Information\u201d means information not generally known or available outside theCompany and information entrusted to the Company in confidence by third parties. Confidential Information includes but is not limited to Companyinventions, technical data, trade secrets, know-how, research, product or service ideas or plans, software codes and designs, processes, networkagreements, provider or network discounts, contract terms, formulas, techniques, lists of or information relating to suppliers, intermediaries (includingbrokers and agents) and customers, prices, costs, coverages, employee compensation arrangements, pricing methodologies, cost data, market share data,marketing plans, licenses, strategic plans, internal annual or long-term plans, program information, business plans, financial forecasts, non-publicfinancial data, budgets and all\n2", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4725, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "f788283d-fcd6-4eda-8dba-1550227c698d": {"__data__": {"id_": "f788283d-fcd6-4eda-8dba-1550227c698d", "embedding": null, "metadata": {"page_label": "190", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "e3936023-2b01-40a7-8ea6-c3e960c8a63c", "node_type": "4", "metadata": {"page_label": "190", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "8eaab62431889fc145609216fa595941db982a56aac53d8f61bc7126d2902ce6", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "other non-public business information disclosed to Employee by Company or of which Employee learned while in the employ of Company.\nFurther, except as set forth in Section 6 hereof, or as is necessary to obtain new employment or as required by law or by order of a government agency orcourt of competent jurisdiction, Employee shall not disclose the reasons for or terms of Employee\u2019s departure from the Company without the written consent of theCompany and, unless and until this Agreement has been made public by filing with the Securities and Exchange Commission (the \u201cSEC\u201d), Employee will notdisclose the contents or substance of this Agreement or the Release (as defined in Section 9 hereof) to anyone except Employee\u2019s immediate family or any tax, legalor other counsel Employee has consulted regarding the meaning or effect hereof or thereof, and Employee will instruct each of the foregoing not to disclose the same.Within ten (10) calendar days following the Termination Date, Employee shall return to the Company any documents, records, files, and other information (whetherrecorded or stored in paper or electronic form) and any property belonging or relating to the Company, its affiliates, customers, clients, or employees, except as setforth in Section 6 hereof.\nb. Restrictions on Solicitation and Competitive Activities. For a period of twelve (12) months following the Termination Date (the \u201cRestricted Period\u201d),Employee shall not, whether on Employee\u2019s own behalf or on behalf of or in conjunction with any other person or entity, acting in any capacitywhatsoever, directly or indirectly, disrupt or interfere with the business of the Company (i) by soliciting for employment any employee, independentcontractor or other service provider who is employed by or providing services to Company as of the Termination Date; (ii) by persuading or influencingany such employee, independent contractor or other service provider to leave the employ or service, as applicable, of the Company (without regard towho initiated the communication); (iii) by soliciting, inducing or attempting to induce any customer, client, account, vendor or other person having abusiness relationship with the Company to cease doing some or all business with the Company (without regard to who initiated the firstcommunication), (iv) by interfering with the relationship or (if communications between such person and Company concerning a possible businessrelationship have commenced) the prospective relationship between any such person or entity and Company; or (v) by participating (except as a holderof five percent or less of the common equity of a publicly held corporation) in any business that is engaged, directly or indirectly, in sales or theprovision of products or services or other activities in competition with the sales, provision of products or services or other activities of Company,provided, however, that the scope of this Section 7.b.(v) hereof shall be limited to the geographic area or areas where Company is actually engaged insuch business or, to the actual or constructive knowledge of Employee, is actively planning to engage or considering engaging in such business.\nc. Non-Disparagement and Social Media Updates. Employee shall not publicly or privately disparage Company, its subsidiaries, affiliates, officers ordirectors, or their brands, products, or services, except as set forth in Section 6 hereof. Company\u2019s Management Committee shall not publicly orprivately disparage Employee. Disparage means making comments or statements that are maliciously untrue. In addition, Employee shall, no later thantwo weeks after Employee\u2019s Termination Date, update all social media and online accounts within Employee\u2019s control, including, but not limited to,LinkedIn, to reflect that Employee is no longer employed by Company.\nd. Cooperation. Employee shall provide transition support through Employee\u2019s Termination Date including promptly completing all actions necessary toresign from all offices and statutory positions held with Company. Upon reasonable request by Company, whether prior to or after Employee\u2019sTermination Date, Employee shall complete an officer questionnaire, the responses to which may be used to enable Company to comply with itsdisclosure obligations with the SEC.\ne. All Prior Covenants Null and Void. As of the Termination Date, any covenants (other than those set forth in this Section 7 hereof) in favor of Companyby which Employee may otherwise be bound and that are analogous to the Employee Covenants set forth in this Section 7 hereof shall be null and voidand no longer enforceable under any circumstances.\n8. Enforcement of Restrictions; Rights and Remedies\na. Reasonableness. Employee hereby acknowledges and agrees that: (i) the restrictions provided in this Agreement are reasonable in time and scope inlight of the Company\u2019s interest in protecting its\n3", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4903, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "accec8ab-2cf3-4eae-b6cd-ffd50cb4e98e": {"__data__": {"id_": "accec8ab-2cf3-4eae-b6cd-ffd50cb4e98e", "embedding": null, "metadata": {"page_label": "191", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "33ede75b-c6cc-4c2c-83eb-ed4e329c25ab", "node_type": "4", "metadata": {"page_label": "191", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "fdfa09a885ce4452a2459c254761752e353e08b5c9deecd6727040cab05cb92f", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "053706bc-f074-4ee3-8a17-8791da41962b", "node_type": "1", "metadata": {}, "hash": "ad280468dbd27ee334b9fd0460bc8f842dc7696af9a3aabd5a853837410dff4c", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "business; and (ii) Employee\u2019s ability to work and earn a living will not be unreasonably restrained by the application of these restrictions.\nb. Injunctive Relief. Employee recognizes and agrees that should Employee fail to comply with the restrictions set forth herein, which restrictions are vitalto the protection of Company\u2019s business, Company will suffer irreparable injury and harm for which there is no adequate remedy at law. Therefore,Employee agrees that in the event of the breach or threatened breach by Employee of any of the terms and conditions of Sections 7.a. or 7.b. hereof,Company shall be entitled to preliminary and permanent injunctive relief against her as may be awarded by a court having jurisdiction over the disputein addition to, and not in lieu of, any other rights or remedies available to Company at law or in equity.\nc. Conditions to Company\u2019s Obligation to Make Payments. The consideration for Company\u2019s promises under Sections 2 and 4 hereof are the Employee\u2019sRelease under Section 9 hereof and each and every other promise that Employee makes herein.\n9. Release of Claims\nNotwithstanding anything contained herein to the contrary, Company\u2019s obligations to make the Severance Payment and the payments described in Sections4.b. and 4.c. hereof are conditioned on Employee\u2019s (i) execution and delivery of this Agreement including the General Release and Covenant Not to Sue (\u201cRelease\u201d)in the form set forth in in this Section 9 hereof , (ii) nonrevocation of the Release, (iii) execution, delivery and non-revocation of the affirmation of the Release setforth on Exhibit A hereto and (iv) compliance with the terms of the Release and the Employee Covenants set forth in Section 7 hereof. This general release of claimsalso does not apply to, waive, affect, limit or interfere with Employee\u2019s preserved rights described in Section 6 hereof.\nExcept as set forth in Section 6 hereof, Employee hereby releases and forever discharges, and covenants not to sue, Company or its subsidiaries, affiliates,their directors, members, officers, employees, agents, stockholders, successors and assigns, both individually and in their official capacities, (together, the \u201cCompanyReleased Parties\u201d) from, and with respect to, any and all actions, causes of action, covenants, contracts, claims, demands, suits, and liabilities whatsoever, which theEmployee ever had, now has or which Employee\u2019s heirs, executors, administrators and assigns, or any of them hereafter can, shall or may have by reason of orrelated to Employee\u2019s employment with, or termination of employment from, Company and/or its subsidiaries and affiliates (collectively, the \u201cReleased Claims\u201d).\nExcept as set forth in Section 6 hereof, Employee is providing a complete waiver of all claims against the Company Released Parties that may have arisen,whether known or unknown, up and until the effective date of this Release. This includes, but is not limited to, claims based on Title VII of the Civil Rights Act of1964, the Civil Rights Act of 1866, the Age Discrimination in Employment Act of 1967 (including the Older Workers Benefit Protection Act) (the \u201cADEA\u201d), theAmericans With Disabilities Act, the Fair Labor Standards Act, the Equal Pay Act, the Family and Medical Leave Act, the Employee Retirement Income Security Actof 1974 (except as to claims pertaining to vested benefits under employee benefit plans maintained by the Company Released Parties), the Uniform Trade SecretsAct, the Sarbanes-Oxley Act of 2002, the California Fair Employment and Housing Act, the Unruh Civil Rights Act, the California Family Rights Act, and theCalifornia Labor, Government, and Business and Professions Codes, and all applicable amendments to the foregoing acts and laws, or any common law, publicpolicy, contract (whether oral or written, express or implied) or tort law, and any other local, state or Federal law, regulation or ordinance having any bearingwhatsoever on the terms and conditions of Employee\u2019s employment and the cessation thereof.\nEmployee further agrees, promises and covenants that, to the maximum extent permitted by law, and except as set forth in Section 6 hereof, neitherEmployee, nor any person, organization, or other entity acting on Employee\u2019s behalf has or will file, charge, claim, sue, or cause or permit to be filed, charged orclaimed, any action for damages or other relief (including injunctive, declaratory, monetary or other relief) against the Company Released Parties involving anymatter occurring in the past up to the date of this Release, or involving or based upon any claims, demands, causes of action, obligations, damages or liabilities whichare the subject of this Release.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4699, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "053706bc-f074-4ee3-8a17-8791da41962b": {"__data__": {"id_": "053706bc-f074-4ee3-8a17-8791da41962b", "embedding": null, "metadata": {"page_label": "191", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "33ede75b-c6cc-4c2c-83eb-ed4e329c25ab", "node_type": "4", "metadata": {"page_label": "191", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "fdfa09a885ce4452a2459c254761752e353e08b5c9deecd6727040cab05cb92f", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "accec8ab-2cf3-4eae-b6cd-ffd50cb4e98e", "node_type": "1", "metadata": {"page_label": "191", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "6292db7abfa9a1ab5b2118b9a88bbad44dbb23f4c78c7e9e7afcbed0f173e7bd", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Notwithstanding the foregoing, this Release does not apply to Employee\u2019s right to file a claim to enforce this Agreement. Nor does this Release apply toEmployee\u2019s rights to payments or other benefits or to other rights due to Employee pursuant to the terms of any employee benefit plans, incentive compensation plansor agreements or directors\u2019 and officers\u2019 insurance policies of Company in which or under which Employee participates or is\n4", "mimetype": "text/plain", "start_char_idx": 4700, "end_char_idx": 5141, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "571a5c94-efb1-44ab-99e9-3e0118b345a5": {"__data__": {"id_": "571a5c94-efb1-44ab-99e9-3e0118b345a5", "embedding": null, "metadata": {"page_label": "192", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "c9db05eb-2e00-446f-923b-2165f0797b85", "node_type": "4", "metadata": {"page_label": "192", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "08e3b6f5e64fcc00a72fb2a6d0cc3fe0b09573352e9bf5d00dc70fdd907c248a", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "covered on the date Employee signs this Agreement, which rights continue to be governed by the terms of the applicable plan documents, agreements and policies.\nNotwithstanding the foregoing, this Release does not release claims that cannot be released as a matter of law, including any right to file a charge with orparticipate in a charge by the Equal Employment Opportunity Commission (\u201cEEOC\u201d), the Department of Labor, or any other local, state, or federal administrativebody or government agency that is authorized to enforce or administer laws related to employment, against the Company. However, except as set forth in Section 6hereof, by executing this Release, Employee hereby waives the right to monetary recovery from the Company, no matter how denominated, including, but not limitedto, wages, back pay, front pay, compensatory damages, or punitive damages, in any proceeding Employee may bring before the EEOC or any state human rightscommission or in any proceeding brought by the EEOC or any state human rights commission on the Employee\u2019s behalf.\nEmployee agrees that Employee has carefully read this Release and is signing it voluntarily. Employee fully understands that the terms of this Releasecontain a release of potentially valuable claims. Employee acknowledges that Company has advised Employee to consult with an attorney prior to signing thisRelease and that Employee has had sufficient time to consider the terms of this Release.\nEmployee acknowledges that Company has advised Employee that Employee may consider this Release for up to twenty-one (21) calendar days afterreceipt prior to signing. Company and Employee agree that any changes, whether or not material, made to this Agreement and this Release do not restart the twenty-one (21) calendar day review period.\nEmployee acknowledges that Company has advised Employee that this Release is not effective until seven (7) calendar days after the execution of thisRelease and that the Employee may revoke this Release within seven (7) calendar days from the date of execution hereof by delivering a notice in accordance withSection 10 hereof.\n10. Notices\nAll notices, requests and other communications pursuant to this Agreement shall be in writing and shall be deemed to have been duly given if delivered inperson, by courier or by facsimile transmission, or sent by express, registered or certified mail, postage prepaid, addressed as follows:\nIf to Employee:At the most recent addresson file at the Company.\nIf to Company:Assurant, Inc.260 Interstate N Cir SEAtlanta, Georgia 30339Attention: Corporate Secretary\nEither party may, by written notice to the other, change the address to which notices to such party are to be delivered or mailed.\n11. Tax Matters\na. Withholding of Taxes.\nAll payments of the Severance Payment and other benefits required to be provided by Company to Employee under this Agreement shall be subject to thewithholding of such amounts relating to taxes and other payroll deductions as the Company may reasonably determine it should withhold pursuant to any applicablelaw, regulation, or Company policy.\nb. Section 409A of the Internal Revenue Code.\nThe intent of the parties is that payments and benefits under this Agreement comply with Internal Revenue Code Section 409A and applicable guidancepromulgated thereunder (collectively, \u201cSection 409A\u201d). Accordingly, to the maximum extent permitted, this Agreement shall be interpreted to be in compliance withSection 409A. In no\n5", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3486, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "921725e4-a1b7-4ded-b6fc-9d99e6bbfe32": {"__data__": {"id_": "921725e4-a1b7-4ded-b6fc-9d99e6bbfe32", "embedding": null, "metadata": {"page_label": "193", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "0d804be8-e2fd-4d98-acea-6ccf95514126", "node_type": "4", "metadata": {"page_label": "193", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "c73d968276e02008f6541f87ac7f7aebf9ea675364c97e2244c1747fefa36dff", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "event shall Company be liable for any additional tax, interest or penalties that may be imposed on Employee by the Internal Revenue Service under Section 409A orany damages for failing to comply with Section 409A. For purposes of Section 409A, each payment in a series of installment payments under this Agreement shall betreated as a separate payment. If required pursuant to Section 409A, payment of certain amounts owed to Employee within the six (6) month period following theTermination Date may be delayed until after such six-month period has elapsed.\n12. Governing Law; Forum Selection; Consent to Jurisdiction\nCompany and Employee agree that this Agreement shall be governed by and construed and interpreted in accordance with the laws of the State of Georgiawithout giving effect to its conflicts of law principles, as applied to contracts executed in and performed wholly within the State of Georgia. Employee agrees that theexclusive forum for any action to enforce this Agreement, as well as any action relating to or arising out of this Agreement, shall be the state or federal courts of theState of Georgia. With respect to any such court action, Employee hereby (a) irrevocably submits to the personal jurisdiction of such courts; (b) consents to service ofprocess; (c) consents to venue; and (d) waives any other requirement (whether imposed by statute, rule of court, or otherwise) with respect to personal jurisdiction,service of process, or venue. Both parties hereto further agree that the state and federal courts of Georgia are convenient forums for any dispute that may ariseherefrom and that neither party shall raise as a defense that such courts are not convenient forums.\n13. Waiver of Breach\nNo waiver of any provision of this Agreement shall have any force and effect unless it is in writing signed by the party giving the waiver. Any waiver orforbearance, express or implied, of any breach of this Agreement shall not be construed to be a continuing waiver or a consent to any other or subsequent breach onthe part either of the Employee or of the Company.\n14. Non-Assignment; Successors\nNeither party hereto may assign their rights or delegate their duties under this Agreement without the prior written consent of the other party; provided,however, that (i) this Agreement shall inure to the benefit of and be binding upon the successors and assigns of Company upon any sale of all or substantially all ofCompany\u2019s assets, or upon any merger, consolidation or reorganization of Company with or into any other corporation, all as though such successors and assigns ofCompany and their respective successors and assigns were Company, and (ii) this Agreement shall inure to the benefit of the heirs, assigns or designees of Employeeto the extent of any payments due to them hereunder. In the event of any sale of all or substantially all of Company\u2019s assets or merger of Company in which Companyis not the surviving entity, as used in this Agreement the term \u201cCompany\u201d shall be deemed to refer to the surviving corporation, successor or assign of Company.\n15. Severability and Intent for a Court to Enforce Covenants to Maximum Extent\nIf any provision of this Agreement is determined by a court of competent jurisdiction not to be enforceable in the manner set forth in this Agreement,Employee and Company agree that it is the intention of the parties that such provision should be enforceable to the maximum extent possible under applicable law. Ifany provision of this Agreement is held to be invalid or unenforceable, such invalidation or unenforceability shall not affect the validity or enforceability of any otherprovision of this Agreement (or any portion thereof). If, and only if, a court finds that Section 7.b. hereof is not enforceable to the full extent provided by its terms,the parties agree that such court may, and hereby memorialize their intention that such court shall, enforce such provisions to the full geographic and temporal extentthat such court may find permissible under applicable law.\n16. Entire Agreement\nThis Agreement constitutes the entire agreement by and between Company and Employee with respect to the subject matter hereof and supersedes any andall prior or contemporaneous agreements or understandings between Employee and Company with respect to such subject matter, whether written or oral, includingthe Change In Control Agreement dated May 16, 2022. This Agreement may be amended or modified only by a written instrument executed by Employee andCompany.\n6", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4529, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "2fac8c8d-b448-4f56-a530-65fc2ff6129d": {"__data__": {"id_": "2fac8c8d-b448-4f56-a530-65fc2ff6129d", "embedding": null, "metadata": {"page_label": "194", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "4800217a-efa2-4475-854a-4d395fda26e3", "node_type": "4", "metadata": {"page_label": "194", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d3a315d29e3da09042400583254847c7bfddafe172cbb50cbbd9a6f91cfbb9a9", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "IN WITNESS WHEREOF, the parties have executed this Agreement effective as of the date first written above.\nEMPLOYEE/s/ Richard Dziadzio\nRichard Dziadzio\nASSURANT, INC.By: /s/ Keith Demmings\nKeith Demmings\nPresident & Chief Executive Officer\n7", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 242, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "392a17eb-7fbb-4381-9474-f08dd2c09754": {"__data__": {"id_": "392a17eb-7fbb-4381-9474-f08dd2c09754", "embedding": null, "metadata": {"page_label": "195", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "2241244e-5947-4827-a931-51f08bf4bd9b", "node_type": "4", "metadata": {"page_label": "195", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "fef70f6be8782079fb302fdb7d4279765af1e9049474e7291ed297fc8818e39f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Exhibit A\nThis page represents Employee\u2019s reaffirmation (this \u201cReaffirmation\u201d) of the commitments set forth in the Release entered into effective as of November 14,2023, by and between Employee and the Company, pursuant to the terms of the Agreement, to which this Reaffirmation is attached, from the date Employee signedthe Release through the date that Employee signs this Reaffirmation, and Employee hereby agrees that the release of claims pursuant to the Release will be extendedto cover any act, omission or occurrence occurring up to and including the date Employee signs this Reaffirmation.\nEmployee understands that this Reaffirmation is not effective until seven (7) calendar days after the execution of this Reaffirmation and that Employee mayrevoke this Reaffirmation within seven (7) calendar days from the date of execution hereof.\n\u2022 Employee acknowledges that the Company has advised Employee that Employee should consult with an attorney of Employee\u2019s choice prior tosigning this Reaffirmation and Employee has had sufficient time to consider the terms of this Reaffirmation.\n\u2022 Employee acknowledges that the Company has advised Employee that Employee may consider this Reaffirmation and the terms of the Release forup to twenty-one (21) calendar days after Employee\u2019s receipt thereof (the \u201cConsideration Period\u201d) to review prior to signing. Employeeacknowledges that Employee may choose to execute this Reaffirmation before the end of the Consideration Period.\n\u2022 Employee fully understands that the terms of this Reaffirmation contain a release of potentially valuable claims.\n\u2022 Employee acknowledges and agrees that Employee would not have received the Severance Payment (as defined in the Separation Agreement) butfor Employee\u2019s decision to sign the Separation Agreement, the Release and this Reaffirmation and to thereafter honor their respective terms.\nEmployee ratifies and reaffirms the commitments set forth in the Release:\nRichard Dziadzio\nDate", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1969, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "95d126af-a110-4b98-8d7b-e9e17b46521d": {"__data__": {"id_": "95d126af-a110-4b98-8d7b-e9e17b46521d", "embedding": null, "metadata": {"page_label": "196", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d4673ea6-c768-497e-bcd1-fa9d2860d027", "node_type": "4", "metadata": {"page_label": "196", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "37101c8bb5fca4eff1a7d409ab539e023632ecf644838f7969d5d2ff047fa570", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Exhibit 21 \nAssurant, Inc. Subsidiaries as of December 31, 2023\nSubsidiary Name Jurisdiction ofOrganization D/B/A (if applicable)\nABI International Cayman Islands\nABIG Holding de Espana, S.L. Spain\nAIM Acquisitions, LLC Delaware\nAIM Alexander Crossing Apartments, LLC Delaware\nAIM AWP Atlanta Apartments, LLC Delaware\nAIM Blue, LLC Delaware\nAIM Glendale, LLC Delaware\nAIM Gold, LLC Delaware\nAIM Green, LLC Delaware\nAIM Haverhill Industrial, LLC Delaware\nAIM Mount Pleasant Apartments, LLC Delaware\nAIM Orange, LLC Delaware\nAIM Orchard Springs Apartments, LLC Delaware\nAIM Palm Harbor Apartments, LLC Delaware\nAIM Red, LLC Delaware\nAIM Yellow, LLC Delaware\nAlegre Pty Ltd Australia\nAmerican Bankers General Agency, Inc. Texas\nAmerican Bankers Insurance Company of Florida Florida\nAmerican Bankers Insurance Group, Inc. 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Delaware", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1011, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "f3b83bca-6a75-4bf1-b695-dca9407cb26a": {"__data__": {"id_": "f3b83bca-6a75-4bf1-b695-dca9407cb26a", "embedding": null, "metadata": {"page_label": "205", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "6bf61f3d-a0a1-46e3-825b-ad75166918f7", "node_type": "4", "metadata": {"page_label": "205", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "1c50cb60d19b04fc2a0749a2c3721ac1f019f38892834744151d3e1bb441e0e1", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Exhibit 23 \nCONSENT OF INDEPENDENT REGISTERED PUBLIC ACCOUNTING FIRM \nWe hereby consent to the incorporation by reference in the Registration Statements on Form S-3 (No. 333-276645) and Forms S-8 (No. 333-256095, 333-231274 and333-217940) of Assurant, Inc. of our report dated February 15, 2024, relating to the consolidated financial statements, financial statement schedules and theeffectiveness of internal control over financial reporting, which appears in this Form 10-K. \n/s/ PricewaterhouseCoopers LLP\nNew York, New YorkFebruary 15, 2024", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 544, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "3412fdbc-9cca-4df7-81c0-879ca88911f9": {"__data__": {"id_": "3412fdbc-9cca-4df7-81c0-879ca88911f9", "embedding": null, "metadata": {"page_label": "206", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "5a7b4038-aee6-4bc5-9a24-c27eed22a63c", "node_type": "4", "metadata": {"page_label": "206", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b9baa1abb514a35fdf0f67dc3e38c430938d730babc31c5d7d9b3fa797865d84", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Exhibit 24 \nASSURANT, INC. \nPOWER OF ATTORNEY \nThe undersigned directors of Assurant, Inc., a Delaware corporation (the \u201cCompany\u201d), hereby authorize and appoint Keith Demmings, Keith Meier and DimitryDiRienzo, and each of them severally, the individual\u2019s true and lawful attorneys-in-fact and agents, with power to act with or without the other, and with full power ofsubstitution and resubstitution, for the person and in his or her name, place and stead, in any and all capacities, to sign the Annual Report on Form 10-K for the fiscalyear ended December 31, 2023, to be filed by the Company pursuant to the Securities and Exchange Act of 1934, as amended, and any and all amendments thereto,including any and all other documents in connection therewith to be filed with the U.S. Securities and Exchange Commission (the \u201cSEC\u201d), and to file the same, withall exhibits thereto and other supporting documents, with the SEC. \nThe undersigned hereby grants to said attorneys-in-fact and agents, and each of them, full power and authority to do and perform each and every act and thingrequisite and necessary to be done in and about the premises, as fully to all intents and purposes as the undersigned might or could do in person, hereby ratifying andconfirming that said attorneys-in-fact and agents, or any of them, or their or his or her substitutes or substitute, may lawfully do or cause to be done by virtue hereof. \nDated: January 19, 2024\nSignature Title\n/s/ Elaine D. Rosen Non-Executive Board Chair and DirectorElaine D. Rosen\n/s/ Paget L. Alves DirectorPaget L. Alves\n/s/ Rajiv Basu DirectorRajiv Basu\n/s/ J. Braxton Carter DirectorJ. Braxton Carter\n/s/ Juan N. Cento DirectorJuan N. Cento\n/s/ Harriet Edelman DirectorHarriet Edelman\n/s/ Sari Granat DirectorSari Granat\n/s/ Lawrence V. Jackson DirectorLawrence V. Jackson\n/s/ Debra J. Perry DirectorDebra J. Perry\n/s/ Ognjen Redzic DirectorOgnjen Redzic\n/s/ Paul J. Reilly DirectorPaul J. Reilly\n/s/ Robert W. Stein DirectorRobert W. Stein", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1997, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "4249a65c-7b55-4b90-a433-be6a6b257e6c": {"__data__": {"id_": "4249a65c-7b55-4b90-a433-be6a6b257e6c", "embedding": null, "metadata": {"page_label": "207", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "c2cdfbd2-c524-4c43-9923-ae912ade7c6d", "node_type": "4", "metadata": {"page_label": "207", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "2311672d0b8610c18d5e1b772001f99d49c6c189a19ba814663ea2dcf94e8374", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Exhibit 31.1\n \nCERTIFICATIONS\n \nI, Keith W. Demmings, certify that:\n \n1. I have reviewed this annual report on Form 10-K of Assurant, Inc. for the period ended December 31, 2023;\n \n2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made,in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;\n \n3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financialcondition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;\n \n4. The registrant\u2019s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange ActRules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:\n \n(a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure thatmaterial information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly duringthe period in which this report is being prepared;\n \n(b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, toprovide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance withgenerally accepted accounting principles;\n \n(c) Evaluated the effectiveness of the registrant\u2019s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of thedisclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and\n \n(d) Disclosed in this report any change in the registrant\u2019s internal control over financial reporting that occurred during the registrant\u2019s most recent fiscal quarter(the registrant\u2019s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant\u2019sinternal control over financial reporting; and\n \n5. The registrant\u2019s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant\u2019sauditors and the audit committee of the registrant\u2019s board of directors (or persons performing the equivalent functions):\n \n(a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely toadversely affect the registrant\u2019s ability to record, process, summarize and report financial information; and\n \n(b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant\u2019s internal control overfinancial reporting.\n \nDate: February 15, 2024\n/s/ Keith W. Demmings\nKeith W. DemmingsPresident, Chief Executive Officer and Director (Principal Executive Officer)", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3378, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "5f565dcf-ff3c-4795-8d1a-c4512d2e936f": {"__data__": {"id_": "5f565dcf-ff3c-4795-8d1a-c4512d2e936f", "embedding": null, "metadata": {"page_label": "208", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "2bbb1dc5-26a7-4fb2-adfc-7dcc9205225b", "node_type": "4", "metadata": {"page_label": "208", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "8f4e53e26c1d694a87ab4baec453b97ffbc3b7007428e2f47b981a77a2007993", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Exhibit 31.2 \nCERTIFICATIONS\n \nI, Keith R. Meier, certify that:\n \n1. I have reviewed this annual report on Form 10-K of Assurant, Inc. for the period ended December 31, 2023;\n \n2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statements made,in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;\n \n3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financialcondition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;\n \n4. The registrant\u2019s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange ActRules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:\n \n(a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure thatmaterial information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly duringthe period in which this report is being prepared;\n \n(b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, toprovide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance withgenerally accepted accounting principles;\n \n(c) Evaluated the effectiveness of the registrant\u2019s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of thedisclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and\n \n(d) Disclosed in this report any change in the registrant\u2019s internal control over financial reporting that occurred during the registrant\u2019s most recent fiscal quarter(the registrant\u2019s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant\u2019sinternal control over financial reporting; and\n \n5. The registrant\u2019s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant\u2019sauditors and the audit committee of the registrant\u2019s board of directors (or persons performing the equivalent functions):\n \n(a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely toadversely affect the registrant\u2019s ability to record, process, summarize and report financial information; and\n \n(b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant\u2019s internal control overfinancial reporting.\n \nDate: February 15, 2024\n/s/ Keith R. Meier\nKeith R. MeierExecutive Vice President and Chief Financial Officer (Principal Financial Officer)", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3373, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "6f7989ab-c861-413c-a243-cbb88952ae96": {"__data__": {"id_": "6f7989ab-c861-413c-a243-cbb88952ae96", "embedding": null, "metadata": {"page_label": "209", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "5d2f7de4-7678-40b4-a929-27af71f5e9c6", "node_type": "4", "metadata": {"page_label": "209", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "86d93112f502c1cb0b61d15c41ade10bb2e259c2a13f615501ccd054771b545f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Exhibit 32.1 \nCERTIFICATION OF CHIEF EXECUTIVE OFFICER OFASSURANT, INC.PURSUANT TO 18 U.S.C. SECTION 1350,AS ADOPTED PURSUANT TO\u00a7 906 OF THE SARBANES-OXLEY ACT OF 2002\n \nIn connection with the annual report of Assurant, Inc. (the \u201cCompany\u201d) on Form 10-K for the period ended December 31, 2023 as filed with the Securities andExchange Commission on the date hereof (the \u201cReport\u201d), I, Keith W. Demmings, President, Chief Executive Officer and Director (Principal Executive Officer) of theCompany, certify, pursuant to 18 U.S.C. \u00a7 1350, as adopted pursuant to \u00a7 906 of the Sarbanes-Oxley Act of 2002, that, based on my knowledge:\n1.    The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended; and\n2.    The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.\n \nDate: February 15, 2024\n \n/s/ Keith W. Demmings\nKeith W. DemmingsPresident, Chief Executive Officer and Director (Principal Executive Officer)", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1062, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "6a618bfd-64cc-4cb8-8b9b-35c85460ca41": {"__data__": {"id_": "6a618bfd-64cc-4cb8-8b9b-35c85460ca41", "embedding": null, "metadata": {"page_label": "210", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "82ca8b4e-b0e5-415a-a0b6-08d8bb453dbe", "node_type": "4", "metadata": {"page_label": "210", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b84a34281a8fdbe8275e1422cef23a781d2db1ff4d592d5dc76954b7547f4d8f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Exhibit 32.2 \nCERTIFICATION OF CHIEF FINANCIAL OFFICER OFASSURANT, INC.PURSUANT TO 18 U.S.C. SECTION 1350,AS ADOPTED PURSUANT TO\u00a7 906 OF THE SARBANES-OXLEY ACT OF 2002\nIn connection with the annual report of Assurant, Inc. (the \u201cCompany\u201d) on Form 10-K for the period ended December 31, 2023 as filed with the Securities andExchange Commission on the date hereof (the \u201cReport\u201d), I, Keith R. Meier, Executive Vice President and Chief Financial Officer (Principal Financial Officer) of theCompany, certify, pursuant to 18 U.S.C. \u00a7 1350, as adopted pursuant to \u00a7 906 of the Sarbanes-Oxley Act of 2002, that, based on my knowledge:\n1. The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended; and\n2. The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.\nDate: February 15, 2024\n/s/ Keith R. Meier\nKeith R. Meier Executive Vice President and Chief Financial Officer (PrincipalFinancial Officer)", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1051, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "2884f7e2-c2b0-422e-ba1c-fc28708dc5ad": {"__data__": {"id_": "2884f7e2-c2b0-422e-ba1c-fc28708dc5ad", "embedding": null, "metadata": {"page_label": "211", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "82d3a5dd-42f4-4e48-a98d-db4c20d60871", "node_type": "4", "metadata": {"page_label": "211", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "33a5194293abfe31a5271919fe26a9f4b5d0e7633dc8ff73b8f3e02277f020f8", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "8880b8d4-2e1d-4d04-b875-f90413796303", "node_type": "1", "metadata": {}, "hash": "ca746996a23861fdf35544b18ac680104c90d7555dde89f7ea5a4faedc40ddd3", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Exhibit 97\nASSURANT, INC.COMPENSATION CLAWBACK POLICY\nThis Compensation Clawback Policy (\u201cPolicy\u201d) of Assurant, Inc. (\u201cCompany\u201d) has been adopted by the Compensation Committee of the Board ofDirectors (\u201cthe Board\u201d) on November 8, 2023 and is designed to comply with Section 10D of the Securities Exchange Act of 1934, as amended(\u201cExchange Act\u201d), including Rule 10D-1 (\u201cRule 10D-1\u201d), as well as Section 303A.14 of the New York Stock Exchange (\u201cNYSE\u201d) Listed CompanyManual (\u201cSection 303A.14\u201d). Capitalized terms are defined in Section 2.\n1.    Recoupment of Erroneously Awarded Compensation\nThis Policy will be triggered in the event that the Company is required to prepare an Accounting Restatement. If an Accounting Restatement occurs, theCompany will promptly review the matter and, if applicable, will seek to recover from any Covered Executive who received Covered Compensationduring the three (3) fiscal years immediately preceding the date on which the Company is required to prepare such Accounting Restatement (the\u201cRecoupment Period\u201d), the amount of such Covered Compensation that would not have been granted, earned or vested to the Covered Executive underthe restated financial statements (such excess amount, the \u201cErroneously Awarded Compensation\u201d). If the Financial Reporting Measure applicable to theCovered Compensation is a stock price or total shareholder return measure, then the amount of the Erroneously Awarded Compensation shall bedetermined based on a reasonable estimate of the effect of the Accounting Restatement on the Company\u2019s stock price or total shareholder return uponwhich such Covered Compensation was received. The amount of Erroneously Awarded Compensation shall be calculated on a pre-tax basis.\nThis Policy applies regardless of (a) whether the Covered Executive engaged in misconduct or had any responsibility for the noncompliance withfinancial reporting requirements or (b) if or when the restated financial statements are filed.\nThere is no exception for de minimis amounts of Erroneously Awarded Compensation. However, notwithstanding anything to the contrary in this Policy,the Company is not required to recover any Erroneously Awarded Compensation in the event that the Compensation Committee has made adetermination that recovery of the Erroneously Awarded Compensation would be impracticable because either:\n    (a) the direct expense paid to a third party to assist in enforcing the Policy would exceed the amount to be recovered; provided that, before concludingthat it would be impracticable to recover any amount of Erroneously Awarded Compensation pursuant to this clause (a), the Company shall have firstmade a reasonable attempt to recover such Erroneously Awarded Compensation, document such reasonable attempt to recover, and provide thatdocumentation to the NYSE; or\n    (b) recovery would likely cause an otherwise tax-qualified retirement plan, under which benefits are broadly available to employees of the Company,to fail to meet the requirements of Sections 401(a)(13) or 411(a) of the U.S. Internal Revenue Code of 1986, as amended (the \u201cCode\u201d).\nThe Company shall not indemnify any Covered Executive, directly or indirectly, for any losses that such individual may incur in connection with therecovery of any Incentive Compensation as set forth in this Policy, including through the payment of insurance premiums or gross-up payments.\n2.    Definitions\nCapitalized terms used but not defined in this Policy below shall have the meanings set forth in the Amended and Restated Assurant, Inc. 2017 LongTerm Equity Incentive Plan. For purposes of this Policy, the following definitions shall apply:\n    (a) \u201cAccounting Restatement\u201d means an accounting restatement of the Company\u2019s financial statements due to the Company\u2019s material noncompliancewith any financial reporting requirement under the securities laws, including any required accounting restatement to correct an error in previously issuedfinancial statements that is material to the previously issued financial statements, or that would result in a material misstatement if the error werecorrected in the current period or left uncorrected in the current period. For purposes of this Policy, an Accounting Restatement shall not be deemed tooccur in the event of a restatement of the Company\u2019s financial statements due to an out-of-period adjustment or a retrospective (i) application of achange in accounting principles; (ii) revision to reportable segment information due to a change in the structure of the Company\u2019s internal organization;(iii) reclassification due to a discontinued operation; (iv) application of a change in reporting entity, such as from a reorganization of entities undercommon control; or (v) revision for stock splits, reverse stock splits, stock dividends, or other changes in capital structure.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4840, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "8880b8d4-2e1d-4d04-b875-f90413796303": {"__data__": {"id_": "8880b8d4-2e1d-4d04-b875-f90413796303", "embedding": null, "metadata": {"page_label": "211", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "82d3a5dd-42f4-4e48-a98d-db4c20d60871", "node_type": "4", "metadata": {"page_label": "211", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "33a5194293abfe31a5271919fe26a9f4b5d0e7633dc8ff73b8f3e02277f020f8", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "2884f7e2-c2b0-422e-ba1c-fc28708dc5ad", "node_type": "1", "metadata": {"page_label": "211", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "830214660547345457e4d89ed079bc05a909f84e141a7d23739efbc8bf8a613e", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "(b) \u201cCompensation Committee\u201d means the Compensation and Talent Committee of the Board or any successor committee thereof.", "mimetype": "text/plain", "start_char_idx": 4845, "end_char_idx": 4966, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "e2a4a730-e1cb-46d9-a474-3603920dcc71": {"__data__": {"id_": "e2a4a730-e1cb-46d9-a474-3603920dcc71", "embedding": null, "metadata": {"page_label": "212", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "9f2ec97d-0d28-4beb-ace7-5b8c1511c0ae", "node_type": "4", "metadata": {"page_label": "212", "file_name": "AIZ 10K - 2023.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2023.pdf", "file_type": "application/pdf", "file_size": 1948738, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "4bfa327ab2a302c927676e0da57a30762d7e42926e92a1c52ad804094265f7e4", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "(c) \u201cCovered Compensation\u201d means any Incentive Compensation received by a Covered Executive during the applicable Recoupment Period;provided that such Covered Compensation was received by such Covered Executive (i) after the Effective Date, (ii) after Covered Executive commencedservice as a Covered Executive and (iii) while the Company had a class of securities publicly listed on a United States national securities exchange.\nFor purposes of this Policy, Incentive Compensation is \u201creceived\u201d by a Covered Executive during the fiscal period in which the financial reportingmeasure applicable to such Incentive Compensation (or portion thereof) is attained, even if the payment or grant of such Incentive Compensation occursthereafter.\n    (d) \u201cCovered Executive\u201d means the Company\u2019s current and former executive officers as determined by the Compensation Committee in accordancewith the definition set forth in Rule 10D-1 and Section 303A.14. The determination as to an individual\u2019s status shall be made by the CompensationCommittee and such determination shall be final, conclusive, and binding on such individual and all other interested persons.\n    (e) \u201cEffective Date\u201d shall mean October 2, 2023, the date on which Section 303A.14 became effective.\n(f) \u201cFinancial Reporting Measure\u201d means any (i) measure that is determined and presented in accordance with the accounting principles used inpreparing the Company\u2019s financial statements, (ii) stock price measure or (iii) total shareholder return measure (and any measures that are derived whollyor in part from any measure referenced in clause (i), (ii) or (iii) above). A Financial Reporting Measure need not be presented in the Company\u2019s financialstatements or included in a filing with the Securities Exchange Commission.\n    (g) \u201cIncentive Compensation\u201d shall mean any compensation that is granted, earned, or vested based wholly or in part upon the attainment of anyCompany Financial Reporting Measure.\n3.    Administration\nThis Policy shall be administered by the Compensation Committee. All decisions of the Compensation Committee shall be final, conclusive, and bindingupon the Company and the Covered Executives, their beneficiaries, executors, administrators, and any other legal representative. The CompensationCommittee shall have full power and authority to (a) administer and interpret this Policy; (b) correct any defect, supply any omission and reconcile anyinconsistency in this Policy; and (c) make any other determination and take any other action that the Compensation Committee deems necessary ordesirable for the administration of this Policy and to comply with applicable law (including Section 10D of the Exchange Act) and applicable stockexchange rules and regulations.\nThe Compensation Committee shall determine, in its sole discretion, the timing and method for promptly recouping Erroneously Awarded Compensationhereunder, which may include without limitation (a) seeking reimbursement of all or part of any cash or equity-based award, (b) cancelling prior cash orequity-based awards, whether vested or unvested or paid or unpaid, (c) cancelling or offsetting against any planned future cash or equity-based awardsotherwise owed by the Company to the Covered Executive, (d) forfeiture of deferred compensation, subject to compliance with Section 409A of theCode and (e) any other method authorized by applicable law or contract.\n4.    Miscellaneous\nAny Covered Executive who has received Covered Compensation will be required to cooperate fully with the Company in connection with theenforcement of this Policy, including the repayment of any excess compensation. Failure to cooperate may result in disciplinary action, up to andincluding termination of employment.\nThis Policy will be binding and enforceable against all Covered Executives and their beneficiaries, heirs, executors, administrators, or other legalrepresentatives.\nAny recovery, recoupment, or forfeiture of Incentive Compensation under this Policy shall be in addition to any other remedies that may be available tothe Company, the Board, or the Compensation Committee under the Amended and Restated Assurant, Inc. 2017 Long Term Equity Incentive Plan (orany award agreement thereunder) or any other Company plan, policy or arrangement.\nSubject to Rule 10D-1 and Section 303A.14, this Policy may be amended or terminated by the Compensation Committee at any time. To the extent thatany applicable law, or stock exchange rules or regulations require recovery of erroneously awarded compensation in circumstances in addition to thosespecified herein, nothing in this Policy shall be deemed to limit or restrict the right or obligation of the Company to recover erroneously awardedcompensation to the fullest extent required by such applicable law, exchange rules and regulations.", "mimetype": "text/plain", "start_char_idx": 4, "end_char_idx": 4832, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "22b76a9b-b2b7-4533-b08a-33eaf24cb9c7": {"__data__": {"id_": "22b76a9b-b2b7-4533-b08a-33eaf24cb9c7", "embedding": null, "metadata": {"page_label": "1", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "34d7dcd5-8f81-4ac3-a08b-62184fd42dca", "node_type": "4", "metadata": {"page_label": "1", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "bc99068f557d0182065a4b3ce51c86e2cdbab785cd36b05ce81e8eb24914f007", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "UNITED STATES\nSECURITIES AND EXCHANGE COMMISSION\nWASHINGTON, DC 20549\nFORM 10-K\n\u2612 Annual Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934\nFor the fiscal year ended December 31, 2024\nOR\n\u2610 Transition Report Pursuant to Section 13 or 15(d) of the Securities Exchange Act of 1934\nFor the transition period from              to .             \nCommission file number 001-31978 \n \nAssurant, Inc.\n(Exact name of registrant as specified in its charter)\nDelaware  39-1126612\n(State or other jurisdiction of incorporation)  (I.R.S. Employer Identification No.)\n260 Interstate North Circle SE\nAtlanta, Georgia 30339\n(770) 763-1000\n(Address, including zip code, and telephone number, including area code, of Registrant\u2019s Principal Executive Offices)\nSecurities registered pursuant to Section 12(b) of the Act:\nTitle of Each Class Trading Symbol(s) Name of Each Exchange on Which Registered\nCommon Stock, $0.01 Par Value AIZ New York Stock Exchange\n5.25% Subordinated Notes due 2061 AIZN New York Stock Exchange\n \nSecurities registered pursuant to Section 12(g) of the Act:\nNone \nIndicate by check mark if the registrant is a well-known seasoned issuer, as defined in Rule 405 of the Securities Act. Yes x  No \u00a8 \n \nIndicate by check mark if the registrant is not required to file reports pursuant to Section 13 or Section 15(d) of the Act. Yes \u00a8  No x \n \nIndicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 duringthe preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for thepast 90 days. Yes x  No \u00a8 \n \nIndicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 ofRegulation S-T (\u00a7 232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes x No \u00a8 \n \nIndicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or anemerging growth company. See the definitions of \u201clarge accelerated filer,\u201d \u201caccelerated filer,\u201d \u201csmaller reporting company,\u201d and \u201cemerging growth company\u201d inRule 12b-2 of the Exchange Act.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2396, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "af7bcd13-9385-4a9a-b013-0e76454f5566": {"__data__": {"id_": "af7bcd13-9385-4a9a-b013-0e76454f5566", "embedding": null, "metadata": {"page_label": "2", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "ee363c7a-7487-4655-a935-f4a3cc384089", "node_type": "4", "metadata": {"page_label": "2", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "8f34764e8806b4eb43086681c6e2a081d888ac1b21f1109c5885864fb63fd31b", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Large accelerated filer  \u2612   Accelerated filer  \u2610 \nNon-accelerated filer  \u2610   Smaller reporting company  \u2610 \nEmerging growth company \u2610 \nIf an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new orrevised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. \u2610 \n \nIndicate by check mark whether the registrant has filed a report on and attestation to its management\u2019s assessment of the effectiveness of its internal control overfinancial reporting under Section 404(b) of the Sarbanes-Oxley Act (15 U.S.C. 7262(b)) by the registered public accounting firm that prepared or issued its auditreport. Yes \u2612  No \u2610 \nIf securities are registered pursuant to Section 12(b) of the Act, indicate by check mark whether the financial statements of the registrant included in the filingreflect the correction of an error to previously issued financial statements. \u2610 \nIndicate by check mark whether any of these error corrections are restatements that required a recovery analysis of incentive-based compensation received byany of the registrant\u2019s executive officers during the relevant recovery period pursuant to \u00a7240.10D-1(b). \u2610 \nIndicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Act). Yes \u2610  No \u2612 \n \nThe aggregate market value of the registrant\u2019s common stock held by non-affiliates of the registrant was $8.58 billion as of the last business day of the fiscalquarter ended June 30, 2024 based on the closing sale price of $166.25 per share for the common stock on such date as traded on the New York Stock Exchange.\n \nThe number of shares of the registrant\u2019s common stock outstanding at February 14, 2025 was 50,791,921.\n \nDocuments Incorporated by Reference\n \nCertain information contained in the definitive proxy statement for the registrant\u2019s 2025 annual meeting of stockholders, which will be filed with the Securitiesand Exchange Commission within 120 days after the end of the fiscal year to which this report relates, is incorporated by reference into Part III hereof.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2140, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "998a5ed5-aacd-40a7-bd14-e28e51193131": {"__data__": {"id_": "998a5ed5-aacd-40a7-bd14-e28e51193131", "embedding": null, "metadata": {"page_label": "3", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "84f6a25a-2296-44e7-9c8f-a79f4c96a25a", "node_type": "4", "metadata": {"page_label": "3", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d777eb33f145f201eac600257f786fbf97e7c53673278d86c8429d87fbadd24f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "ASSURANT, INC.ANNUAL REPORT ON FORM 10-KFor the Fiscal Year Ended December 31, 2024\nTABLE OF CONTENTS\nItemNumber PageNumber\nPART I\n1 Business 3\n1A. Risk Factors 19\n1B. Unresolved Staff Comments 40\n1C. Cybersecurity 40\n2 Properties 41\n3 Legal Proceedings 41\n4 Mine Safety Disclosures 41\nPART II\n5 Market for Registrant\u2019s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities 43\n6 Reserved 45\n7 Management\u2019s Discussion and Analysis of Financial Condition and Results of Operations 45\n7A. Quantitative and Qualitative Disclosures About Market Risk 62\n8 Financial Statements and Supplementary Data 64\n9 Changes in and Disagreements with Accountants on Accounting and Financial Disclosure 64\n9A. Controls and Procedures 64\n9B. Other Information 64\n9C. Disclosure Regarding Foreign Jurisdictions that Prevent Inspections 64\nPART III\n10 Directors, Executive Officers and Corporate Governance 65\n11 Executive Compensation 65\n12 Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters 65\n13 Certain Relationships and Related Transactions, and Director Independence 65\n14 Principal Accounting Fees and Services 65\nPART IV\n15 Exhibits and Financial Statement Schedules 66\n16 Form 10-K Summary 69\nSignatures 70\n \nUnless otherwise stated, all amounts are presented in United States of America (\u201cU.S.\u201d) Dollars and all amounts are in millions, except for number of shares,per share amounts, registered holders, number of employees, beneficial owners, number of securities in an unrealized loss position and number of loans.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1579, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "29dfb801-654f-43c9-9072-0adee1cd65ef": {"__data__": {"id_": "29dfb801-654f-43c9-9072-0adee1cd65ef", "embedding": null, "metadata": {"page_label": "4", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "6f11085d-0384-4e7a-a348-e96d10e5646c", "node_type": "4", "metadata": {"page_label": "4", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e3b0c44298fc1c149afbf4c8996fb92427ae41e4649b934ca495991b7852b855", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 0, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "cb62ac98-dee8-463f-b5f8-efc77733fe12": {"__data__": {"id_": "cb62ac98-dee8-463f-b5f8-efc77733fe12", "embedding": null, "metadata": {"page_label": "5", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "6e602388-ff9f-47c0-9c4e-15d5bd58d884", "node_type": "4", "metadata": {"page_label": "5", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ab49e06d5e55c0f21fd53a73c032dcd175a83baf52b545f7715a447298dbf562", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "FORWARD-LOOKING STATEMENTS\nSome statements in \u201cItem 1 \u2013 Business\u201d and \u201cItem 7 \u2013 Management\u2019s Discussion and Analysis of Financial Condition and Results of Operations\u201d andelsewhere in this Annual Report on Form 10-K for the fiscal year ended December 31, 2024 (this \u201cReport\u201d), including our business and financial plans and anystatements regarding our anticipated future financial performance, business prospects, growth and operating strategies and similar matters, may constitute forward-looking statements within the meaning of the U.S. Private Securities Litigation Reform Act of 1995. You can identify these statements by the use of words such as\u201cwill,\u201d \u201cmay,\u201d \u201ccan,\u201d \u201canticipates,\u201d \u201cexpects,\u201d \u201cestimates,\u201d \u201cprojects,\u201d \u201cintends,\u201d \u201cplans,\u201d \u201cbelieves,\u201d \u201ctargets,\u201d \u201cforecasts,\u201d \u201cpotential,\u201d \u201capproximately,\u201d and thenegative versions of those words and other words and terms with a similar meaning. Any forward-looking statements contained in this Report are based upon ourhistorical performance and on current plans, estimates and expectations. The inclusion of this forward-looking information should not be regarded as a representationby us or any other person that our future plans, estimates or expectations will be achieved. Our actual results might differ materially from those projected in theforward-looking statements. We undertake no obligation to update or review any forward-looking statement, whether as a result of new information, future events orother developments. For a discussion of the factors that could affect our actual results, see \u201cItem 1A \u2013 Risk Factors\u201d and \u201cItem 7 \u2013 Management\u2019s Discussion andAnalysis of Financial Condition and Results of Operations \u2013 Critical Factors Affecting Results.\u201d", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1719, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "dca7de01-983a-415c-9404-7f73746354bd": {"__data__": {"id_": "dca7de01-983a-415c-9404-7f73746354bd", "embedding": null, "metadata": {"page_label": "6", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "39f2d688-b618-4780-9dbf-317d260e1c60", "node_type": "4", "metadata": {"page_label": "6", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e2f14761c25687b351d45b4ce7f1657a5c59cdb0c95ede5390f0e68f8be32731", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "PART I\nUnless the context otherwise requires, references to the terms \u201cAssurant,\u201d the \u201cCompany,\u201d \u201cwe,\u201d \u201cus\u201d and \u201cour\u201d refer to Assurant, Inc.\u2019s consolidatedoperations.\nItem 1. Business\nAssurant, Inc. was incorporated as a Delaware corporation in 2004.\nWe are a premier global protection company that partners with the world\u2019s leading brands to safeguard and service connected devices, homes and automobiles.We leverage data-driven technology solutions to provide exceptional customer experiences. We operate in North America, Latin America, Europe and Asia Pacificthrough two operating segments: Global Lifestyle and Global Housing. Through our Global Lifestyle segment, we provide mobile device solutions, extended servicecontracts and related services for consumer electronics and appliances, and credit and other insurance products (referred to as \u201cConnected Living\u201d); and vehicleprotection services, commercial equipment services and other related services (referred to as \u201cGlobal Automotive\u201d). Through our Global Housing segment, weprovide lender-placed homeowners, manufactured housing and flood insurance, as well as voluntary manufactured housing, condominium and homeownersinsurance (referred to as \u201cHomeowners\u201d); and renters insurance and other products (referred to as \u201cRenters and Other\u201d).\nOur Competitive Strengths\nOur financial strength and capabilities across our businesses create competitive advantages that we believe allow us to support our clients, deliver a superiorexperience for their customers and drive sustainable profitable growth over the long term.\nOur financial strength and business model. We believe we have a strong balance sheet and operating cash flows. As of December 31, 2024, we had $35.02billion in total assets and our debt to total capital was 29.0%. Our business-to-business-to-consumer business model in our Global Lifestyle and Global Housingsegments generate significant operating cash flows, which provide us with the flexibility to make investments to strengthen our strategic capabilities and enhance ourpartnerships with our clients.\nInsights and capabilities enable innovation to meet evolving consumer needs. We have a deep understanding of our clients and the consumer markets theyserve. We seek to leverage consumer insights, together with extensive capabilities, to identify and anticipate the needs of our clients and the consumers they serve.We leverage those insights to invest in emerging technologies and operations, including digital solutions supported by artificial intelligence (\u201cAI\u201d), to introduceinnovative products and services and continuously adapt those offerings to the changing needs of consumers.\nValue chain integration and customer experience. We own or manage multiple pieces of the value chain, which enables us to create products and serviceofferings based on client and consumer needs and provide a seamless customer experience. Offering end-to-end solutions allows us to provide additional value forconsumers and adapt more quickly and efficiently to their needs. Visibility across the value chain helps us further improve the customer experience and ourofferings. Our ability to introduce value-added services and capabilities across the value chain and provide a superior customer experience allows us to strengthenour partnerships and our competitive position.\nOur Strategy for Profitable Growth\nAs we focus on executing our strategy, we believe we are positioned for continued long-term profitable growth by:\nGrowing our portfolio of market-leading businesses. Our businesses represent a group of leading, protection and service-oriented offerings focused oncompelling growth opportunities in attractive markets. This includes capitalizing on the convergence of the connected world in the global markets and geographies inwhich we operate, as well as continuing to grow with expense leverage within specialized property markets. We intend to grow our businesses by strengthening ourpartnerships with major clients and prospects globally, while continuing to invest in talent, capabilities and technology, including digital and AI, to enable us todeliver a superior customer experience, as well as further broadening our offerings and diversifying our distribution channels.\nProviding integrated offerings through a superior customer experience. As we continue to evolve our product and service capabilities and respond to client andconsumer needs, we expect ongoing innovation of our integrated offerings, leveraging data-driven insights, technology and AI to deliver additional value through asuperior customer experience.\nDeploying our capital strategically. Our strong financial position provides us with flexibility to strategically deploy our capital. We generally deploy capital tosupport business growth by funding investments and through acquisitions, to pay dividends and to repurchase shares. We target new businesses and capabilities,organically and through acquisitions, that complement or accelerate our strategy. Our approach to mergers, acquisitions and other growth opportunities reflects ourstrategic and disciplined approach to capital management.\n3", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5150, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "545ca38a-e92f-40ee-9fbe-2cc32bf6578d": {"__data__": {"id_": "545ca38a-e92f-40ee-9fbe-2cc32bf6578d", "embedding": null, "metadata": {"page_label": "7", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "db1cfc5f-a068-43ee-bd6a-2c5dc65e4f5c", "node_type": "4", "metadata": {"page_label": "7", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "fc9605842ed0332a97072c931207886fbaf5ef98ffc366c4b1cc82b5af3403da", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Investing in talent. Our employees play a critical role in contributing to our success and supporting our business strategy. We believe in fostering an inclusiveculture to drive sustained profitable growth through innovation. We are focused on strategically attracting, developing, retaining and motivating our talent, as weprioritize programs and initiatives aimed at investing in their growth.\n2024 Highlights\nWe continued our momentum in 2024 with strong profitable growth led by sustained outperformance within Global Housing, as well as underlying growthwithin Connected Living which was muted by investments in new client programs and capabilities. The combination of our strong capital position, investments tosupport growth and robust shareholder returns were a testament to our balanced capital management and strong cash flows of our businesses. We completed contractrenewals with several key clients including our major U.S. mobile device protection clients, expanded offerings with existing clients and onboarded new clientprograms across Global Lifestyle and Global Housing. We continued to drive ongoing expense leverage from our scale and operating efficiencies supported byongoing technology innovation. In October 2024, we opened our Innovation and Device Care Center, which supports our mobile device lifecycle solutions in GlobalLifestyle and the development of new and innovative ways to leverage automation, robotics and artificial intelligence.\nThroughout the year, we have maintained a strong balance sheet, generating $804.7 million in dividends or returns of capital from our subsidiaries (net ofinfusions of liquid assets and excluding amounts used for acquisitions or received from dispositions) and returning $455.8 million to shareholders through sharerepurchases and common stock dividends.\nSustainability Priorities\nAssurant is a purpose-driven company that remains committed to integrating sustainability into our long-term strategy. In 2024, we introduced a newSustainability vision focused on three areas: Connected Communities, Respected Resources and Protected Planet. We view these sustainability priorities as directlytied to how we deliver for our employees, our clients and end-consumers in support of Assurant\u2019s broader growth and innovation objectives.\nOur Board of Directors (the \u201cBoard\u201d), Management Committee and global workforce understand the importance of our sustainability initiatives in supportingthe successful execution of our long-term strategy.\nMoving forward, we will lean into the following areas as we set our sights on advancing our impact:\nConnected Communities. As a purpose-driven company, we help our customers maximize opportunities in a connected world in a way that contributes to athriving society. We do this by focusing on creating an inclusive workplace where employees have opportunities to learn and grow; supporting communitiesthrough investing our time, skills and resources where needed; and creating superior experiences for our customers. For additional information, refer to \u201c\u2013Human Capital Resources\u201d below.\nRespected Resources. We look for opportunities to embed circularity across our operations and to integrate programs and services into our suite of offeringsthat embrace circular practices to help our customers live connected lives. This mindset has led us to become an industry leader in the transition effort from alinear to a circular economy for mobile devices including our approach to responsible recycling.\nProtected Planet. Across our enterprise, we integrate climate actions into our long-term strategy, global facilities and product and service offerings, and workwith our operations and partners to minimize negative environmental impacts.\nFor additional information on our Sustainability priorities, including our most recent Sustainability report, please refer to our website athttps://www.assurant.com/about-us/sustainability. The information found on our website and in such reports is not incorporated by reference into and does notconstitute a part of this Report.\nSegments \nThe composition of our reportable segments aligns with how we view and manage our business. For additional information on our segments, see \u201cItem 7 \u2013Management\u2019s Discussion and Analysis of Financial Condition and Results of Operations \u2013 Results of Operations\u201d and Note 5 to the Consolidated FinancialStatements included elsewhere in this Report.\n4", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4425, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "348ace2e-2c30-4a3b-8e4c-c98ae2dfe21b": {"__data__": {"id_": "348ace2e-2c30-4a3b-8e4c-c98ae2dfe21b", "embedding": null, "metadata": {"page_label": "8", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3125839b-7517-4ce2-99ff-5662041cb6eb", "node_type": "4", "metadata": {"page_label": "8", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "7d62ef0cd62d51cb8be2cec100dd7cf81b3eaec5ed979c5968eb7313b0b1b81b", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Global Lifestyle\n Years Ended December 31,\n 2024 2023 2022\nNet earned premiums, fees and other income by product:\nConnected Living (1) $ 4,807.9 $ 4,376.8 $ 4,259.4 \nGlobal Automotive 4,159.4 4,184.6 3,802.5 \nTotal $ 8,967.3 $ 8,561.4 $ 8,061.9 \nSegment Adjusted EBITDA $ 773.4 $ 792.3 $ 809.4 \nSegment equity (2) $ 4,830.9 $ 4,822.0 $ 4,743.3 \n(1) For the years ended December 31, 2024, 2023 and 2022, 50.6%, 44.8%, and 46.0%, respectively, of net earned premiums, fees and other income was from mobile device solutions; 38.8%, 44.7%, and44.3%, respectively, was from extended service contracts and related services for consumer electronics and appliances; and 10.6%, 10.5%, and 9.7%, respectively, was from financial services andother insurance products.(2) Segment equity does not include components of accumulated other comprehensive income (\u201cAOCI\u201d), which is primarily comprised of net unrealized gains/ losses on securities, net of taxes. For\nadditional information on total AOCI, see Note 21 to the Consolidated Financial Statements included elsewhere in this Report.\nOur Products and Services\nThe key lines of business in Global Lifestyle are: Connected Living, which includes mobile device solutions (including extended service contracts, insurancepolicies and device lifecycle related services), extended service contracts and related services for consumer electronics and appliances, and financial services andother insurance products; and Global Automotive.\nConnected Living: Through partnerships with mobile service providers (including carriers, retailers, original equipment manufacturers (\u201cOEMs\u201d) and cableoperators) and financial and other institutions, we underwrite and provide administrative support and related services for extended service contracts. These contractsprovide consumers with coverage on mobile devices and consumer electronics and appliances, protecting them from certain covered losses. We pay the cost ofrepairing or replacing these consumer goods in the event of loss, theft, accidental damage, mechanical breakdown or electronic malfunction after the manufacturer'swarranty expires. Our strategy is to provide integrated service solutions to our clients that address all aspects of the insurance or extended service contract, includingprogram design and marketing strategy, risk management, data analytics, customer support and claims handling, supply chain services, service delivery and repairand logistics management, while ensuring exceptional customer experience measured through our net promoter scores. For example, we provide end-to-end mobiledevice lifecycle solutions in our mobile business from when the device is received and inspected, repaired or refurbished, to when it is ultimately disposed of througha sale to a third-party or used to support an insurance claim. In addition to extended protection for multiple devices, our mobile offerings include trade-in andupgrade programs, premium technical support, including device self-diagnostic tools, and device disposition. We also sell repaired or refurbished mobile and otherelectronic devices, as well as provide Certified Pre-Owned (\u201cCPO\u201d) devices to our clients to fulfill their insurance and consumer needs. We provide in-store, same-day device repairs to customers through our nationwide network of over 900 repair and partner locations that support both our insurance and non-insurancecustomers. We believe that with the required administrative capability, digital platforms enabling on-boarding, claims management and service delivery, supply chainmanagement, technical support infrastructure, insurance underwriting capabilities and a variety of adjacent value-added services, like trade-in and upgrade and assetvalue recovery, we maintain a differentiated position in this marketplace.\nWithin Connected Living, our global financial services business maintains a suite of protection and assurance products that deliver a combination of featuresand benefits for varying customer segment needs. With major financial services clients, we provide value-added financial services in the U.S. and internationally,ranging from credit insurance to inclusive credit card benefits, packaged bank account benefits and travel coverages.\n5", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4239, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "9a444053-e6ea-4a10-b1e7-1e6a205a4c28": {"__data__": {"id_": "9a444053-e6ea-4a10-b1e7-1e6a205a4c28", "embedding": null, "metadata": {"page_label": "9", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "c6934bbf-c16b-4a57-912e-79061115e00c", "node_type": "4", "metadata": {"page_label": "9", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "265e6b34125ea83ac0ec5135285da3ab9592187cb3fdc944de06f7f31cd688cd", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "e7514f48-c356-437d-8381-7b10973a7ccd", "node_type": "1", "metadata": {}, "hash": "2ad6256bdc2cf6505ff4aca47585d28bef36a992cfe162d2fb2de40b3f72be0a", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Global Automotive: We underwrite and provide administrative services for vehicle service contracts (\u201cVSCs\u201d) and ancillary products providing coverage forvehicles, including automobiles, trucks, recreational vehicles, motorcycles, construction and agricultural equipment, as well as parts. For VSCs, we pay the cost ofrepairing a customer\u2019s vehicle in the event of mechanical breakdown. For ancillary products, including relating to commercial and other leased or financedequipment, coverage varies, but, generally, we pay the cost of repairing, servicing or replacing parts or provide other financial compensation in the event ofmechanical breakdown, accidental damage or theft. We provide integrated service offerings to our clients, including program design and marketing strategy, riskmanagement, data analytics, customer support and claims handling, reinsurance facilitation, actuarial consulting, experiential and digital training and performancemanagement. We work closely with our global partners to develop innovative offerings that reflect the evolution of the auto market, such as Assurant Vehicle Carewhich represents a majority of dealer services contracts providing a comprehensive suite of enhanced vehicle protection products and a new digital experience forconsumers. We also provide risk management solutions tailored for commercial and leased equipment where our core products include insurance tracking andphysical damage insurance.\nDistribution and Clients\nGlobal Lifestyle operates globally, with approximately 82.1% of its revenue from North America (the U.S. and Canada), 7.5% from Latin America (Brazil,Argentina, Puerto Rico, Mexico, Chile, Colombia and Peru), 5.9% from Europe (the United Kingdom (the \u201cU.K.\u201d), France, Italy, Spain, Germany and theNetherlands) and 4.5% from Asia Pacific (Japan, Australia, New Zealand, South Korea, India, Singapore and Hong Kong for the year ended December 31, 2024). Infourth quarter 2023, we made the decision to fully exit our operations in mainland China (other than Hong Kong), which were subsequently sold in 2024. GlobalLifestyle focuses on establishing strong, long-term relationships with clients that are leaders in their markets, including leading distributors of our products andservices. In Connected Living, we partner with mobile service providers (including carriers, retailers, OEMs and cable operators) and financial and other institutionsto market our mobile device solutions, with some of the largest OEMs, consumer electronics retailers, appliance retailers (including e-commerce retailers) and cableoperators to market our extended service contracts and related services, and with financial institutions, insurers and retailers to market our credit and other insuranceproducts. In Global Automotive, we partner with auto dealers and agents, third-party administrators, manufacturers, equipment retailers and large banks andfinancing companies to market our vehicle protection, commercial equipment-related products and other related services. Many of our agreements in GlobalLifestyle are exclusive and multi-year with terms generally between three and five years and allow us to integrate our administrative systems with those of ourclients.\nGlobal Lifestyle is dependent on a few clients, in particular mobile service providers, and a reduction in business with or the loss of one or more such clientscould have a material adverse effect on our results of operations and cash flows. See \u201cItem 1A \u2013 Risk Factors \u2013 Business, Strategic and Operational Risks \u2013 Ourrevenues and profits may decline if we are unable to maintain relationships with significant clients, distributors and other parties, or renew contracts with them onfavorable terms, or if those parties face financial, reputational or regulatory issues.\u201d\nOur Addressable Markets and Market Activity\nThe mobile protection market is a large and growing global market with evolving wireless standards. While smartphone penetration in the U.S., Japanese andEuropean markets is high, other markets are less mature and present growth opportunities. Global adoption of 5G by subscribers is a high priority for mobile serviceproviders. The worldwide used and refurbished smartphone market is growing, driven by the cost and availability of new devices and sustainability-consciouscustomers.\nConsumer needs relating to mobile devices are continuing to expand in scope. We believe there are growth opportunities in bundled protection products, whichsupport customers as they take full advantage of the features and functions of their mobile devices through their daily interaction with a connected world. Expandedcapabilities like repair and logistics, technical support for customers and enhanced customer experience through digital solutions and AI allow us to create productand service offerings that customers find compelling. We believe there are additional growth opportunities in expanding protection to other devices and technologieswithin the home.\nOur business is subject to fluctuations in mobile device trade-in and upgrade volumes based on the release of new devices and carrier promotional programs, aswell as customer preferences.\nU.S. new vehicle sales have shown slight improvements from 2023 driven by increased vehicle availability and OEM incentives. The used vehicle market inthe U.S.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5339, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "e7514f48-c356-437d-8381-7b10973a7ccd": {"__data__": {"id_": "e7514f48-c356-437d-8381-7b10973a7ccd", "embedding": null, "metadata": {"page_label": "9", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "c6934bbf-c16b-4a57-912e-79061115e00c", "node_type": "4", "metadata": {"page_label": "9", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "265e6b34125ea83ac0ec5135285da3ab9592187cb3fdc944de06f7f31cd688cd", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "9a444053-e6ea-4a10-b1e7-1e6a205a4c28", "node_type": "1", "metadata": {"page_label": "9", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "9f588b93eb34b2c53867caa90263010ba7f9001fc1870a514f6712a82be8654d", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The used vehicle market inthe U.S. has started to normalize from recent elevated used vehicle prices and a shift in sales to new vehicles, but this normalization is tempered by lower and agingused vehicle inventory. In addition, higher interest rates have impacted affordability of finance and insurance products and lowered attachment rates. The commercialequipment segment continues to expand, partially mitigating challenges in our U.S. auto business. In addition, new vehicle sales continue to grow in some marketsinternationally. In addition, inflation continues to have a significant impact on our Global Automotive results as parts and labor adversely affect claims costs forclients where we have underwriting exposure.\n6", "mimetype": "text/plain", "start_char_idx": 5305, "end_char_idx": 6033, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "716b829d-e4af-4cfd-8509-e413d3593fa3": {"__data__": {"id_": "716b829d-e4af-4cfd-8509-e413d3593fa3", "embedding": null, "metadata": {"page_label": "10", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "244f3802-b7bf-4cb9-896d-fd594c03febc", "node_type": "4", "metadata": {"page_label": "10", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "443388b7bb1e7cd247322f6d2e2e6288ec53bfc1c98cb08715c6726a3a012468", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Consumers are becoming increasingly connected across their mobile devices, vehicles and homes, which is creating a global market for smart home devicesand related services. We believe this will create long-term opportunities for Assurant as consumers\u2019 lifestyles will increasingly intertwine with their connectedecosystems, which we call the connected world. Due to our capabilities, including device protection, premium technology support, service delivery and financing, aswell as technology components such as dynamic fulfillment, which integrates a dynamic mobile claims management process with risk and fraud mitigation, we arewell positioned to support customers as the smart home market continues to grow.\nIn our financial services business, our focus is on expanding our partnerships with leading financial institutions to offer travel, purchase protection, and othercredit card benefits, including underwriting and claims processing, and packaged bank account offerings to their customers.\nRisk Management\nWe earn premiums on our insurance and extended service contracts and fees for our other services. For a portion of our contracts, we share in the underwritingrisk with our clients through reinsurance or profit-sharing agreements. We believe that these arrangements better align our clients\u2019 interests with ours and help us tobetter manage risk exposure. For additional risks relating to our Global Lifestyle segment, please see \u201cItem 1A \u2013 Risk Factors.\u201d\nInventory\nIn our mobile business, we carry inventory to meet the delivery requirements of certain clients. These devices are ultimately disposed of through sales to thirdparties. Our inventory includes devices and parts on consignment with our nationwide network of over 900 repair and partner locations through which we provide in-store repairs. Inventory levels may vary from period to period due to, among other things, differences between actual and forecasted demand, supply chainconstraints, the addition of new devices and parts, and strategic purchases. Payment terms with clients also vary, which may result in less inventory financed byclients and more inventory financed with our own capital.\nWe take various actions to manage our inventory, including monitoring our inventory levels, managing the timing of purchases and obtaining return rights forsome programs and devices. However, the value of certain inventory could be adversely impacted by technological changes affecting the usefulness or desirability ofthe devices and parts, physical problems resulting from faulty design or manufacturing, increased competition, decreased consumer demand, including due tochanges in customer preferences and changes in client promotions, supply chain constraints, growing industry emphasis on cost containment and adverse foreigntrade relationships. No assurance can be given that we will be adequately protected against declines in inventory value. See \u201cItem 1A \u2013 Risk Factors \u2013 Business,Strategic and Operational Risks \u2013 \u201cOur mobile business is subject to the risk of declines in the value and availability of mobile devices, and to regulatory complianceand other risks.\u201d\nSeasonality\nWe experience seasonal fluctuations that impact demand in each of our lines of business. For example, seasonality for extended service contracts and VSCsaligns with the seasonality of the retail and automobile markets. In addition, our mobile results may fluctuate quarter to quarter due to the actual and anticipatedtiming and availability of the release of new devices and carrier promotional programs.\nGlobal Housing\n Years Ended December 31,\n 2024 2023 2022\nNet earned premiums, fees and other income by product:\nHomeowners $ 1,958.9 $ 1,663.4 $ 1,402.2 \nRenters and Other 498.1 479.5 482.4 \nTotal $ 2,457.0 $ 2,142.9 $ 1,884.6 \nSegment Adjusted EBITDA $ 671.2 $ 574.2 $ 246.0 \nSegment equity (1) $ 1,597.8 $ 1,318.9 $ 1,272.8 \n(1) Segment equity does not include components of AOCI, which is primarily comprised of net unrealized gains/ losses on securities, net of taxes. For additional information on total AOCI, see Note 21 tothe Consolidated Financial Statements included elsewhere in this Report.\n7", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4168, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "2995e9c1-e424-4f97-9898-1579131d613c": {"__data__": {"id_": "2995e9c1-e424-4f97-9898-1579131d613c", "embedding": null, "metadata": {"page_label": "11", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "74d30906-b977-41a3-8d11-cf0ccebfc4f0", "node_type": "4", "metadata": {"page_label": "11", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "865d5bfbb6770177b450ffb203cbc306657e527be39d5a397df35583a231352b", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Our Products and Services\nThe key lines of business in Global Housing are Homeowners and Renters and Other, each as described below.\nHomeowners: We provide lender-placed homeowners, manufactured housing and flood insurance, as well as voluntary manufactured housing, condominiumand homeowners insurance.\nLender-placed homeowners insurance. Lender-placed homeowners insurance consists principally of fire and dwelling hazard insurance offered through ourlender-placed program. The lender-placed program provides collateral protection to lenders, mortgage servicers and investors in mortgaged properties in the eventthat a homeowner does not maintain insurance on a mortgaged dwelling. Lender-placed homeowners insurance provides structural coverage, similar to that of astandard homeowners policy. The amount of coverage is often based on the last known insurance coverage under the prior policy for the property and providesreplacement cost coverage on the property. It protects both the lender\u2019s interest and the borrower\u2019s interest and equity. We also provide real estate owned (\u201cREO\u201d)insurance, consisting of insurance on foreclosed properties managed by our clients.\nIn the majority of cases, we use proprietary insurance-tracking administration systems linked with the administrative systems of our clients to monitor clients\u2019mortgage portfolios to verify the existence of insurance on each mortgaged property and identify those that are uninsured. If there is a potential lapse in insurancecoverage, we begin a process of outreach and notification to the homeowner and the last known insurance carrier or agent through phone calls, writtencorrespondence and in some cases direct interfaces with insurance carriers, which generally takes up to 90 days to complete. If coverage cannot be verified at the endof this process, the mortgage servicer procures a lender-placed policy. The process of tracking voluntary coverage - including determining whether voluntarycoverage is in force, the policy limits in place, the perils insured and the deductibles, and obtaining other required insurance related information - is part of our riskexposure management for our lender-placed insurance business. The exposure management process is needed in order to underwrite the risk we assume, tounderstand loss exposure and to communicate with appropriate parties, including the lender, insurance agent and homeowner. Our placement rates reflect the ratio ofinsurance policies placed to tracked hazard loans. The homeowner always retains the option to obtain or renew the insurance in the voluntary insurance market.\nLender-placed manufactured housing insurance. Lender-placed manufactured housing insurance consists principally of fire and dwelling hazard insurance formanufactured housing offered through our lender-placed program. Lender-placed manufactured housing insurance is issued after an insurance tracking and exposuremanagement process similar to that described above. In most cases, tracking is performed using a proprietary insurance-tracking administration system.\nLender-placed flood insurance. Lender-placed flood insurance consists of flood insurance offered through our lender-placed program. It provides collateralprotection to lenders in mortgaged properties in the event a homeowner does not maintain required flood insurance. Lender-placed flood insurance is issued after aninsurance tracking and exposure management process similar to that described above.\nVoluntary insurance. We offer voluntary manufactured housing, condominium and homeowners insurance. Our voluntary insurance products generally providestructural, contents and liability coverage.\nRenters and Other: We provide renters insurance and other products, as described below.\nRenters insurance. We provide integrated solutions across the resident lifecycle. We offer renters insurance for a wide variety of single and multi-family rentalproperties, providing content protection for renters\u2019 personal belongings and liability protection for the property owners against renter-caused damage. We also offeran integrated billing and tracking platform for our clients and their customers. In addition, we provide tenant bonds as an alternative to security deposits, whichallows our clients to offer a lower move-in cost option while minimizing the risk of loss from damages, and receivables management, which helps our clients tomaximize the collection of amounts owed by prior tenants.\nOther products. We are the second largest administrator for the U.S. government under the voluntary National Flood Insurance Program (the \u201cNFIP\u201d), forwhich we earn fees for collecting premiums and processing claims. This business is 100% reinsured to the U.S. government.\nDistribution and Clients\nGlobal Housing establishes long-term relationships with leading mortgage lenders and servicers, manufactured housing lenders, property managers, andfinancial, insurance and other institutions. Lender-placed insurance products are distributed primarily through mortgage lenders, mortgage servicers and financialand other institutions. The majority of our lender-placed agreements are exclusive. Typically, these agreements have terms of three to five years and allow us tointegrate our systems with those of our clients. Renters products are distributed primarily through property management companies and affinity marketing partners.We offer our voluntary insurance programs primarily through manufactured housing lenders and retailers,\n8", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5496, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "ba68a167-82d9-4349-9005-dcba1658eaf8": {"__data__": {"id_": "ba68a167-82d9-4349-9005-dcba1658eaf8", "embedding": null, "metadata": {"page_label": "12", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d6afa2b5-ec0e-4fed-ad68-d5fc9335fa6e", "node_type": "4", "metadata": {"page_label": "12", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "cedfe0cc4bc03463638f47fd4a9d3865b8f882c1d99d0cd17af2a99322e536ca", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "0d95d160-e480-45bf-9004-78645d9f76ab", "node_type": "1", "metadata": {}, "hash": "8cace649c565db4b82072bce51c6b517c1e86bc2ede4f73e6d62fe08520e9871", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "along with independent specialty agents. Independent specialty agents also distribute flood products and other property products.\nGlobal Housing is dependent on a few clients, and a reduction in business with or the loss of any one or more such clients could have a material adverse effecton our results of operations and cash flows. See \u201cItem 1A \u2013 Risk Factors \u2013 Business, Strategic and Operational Risks \u2013 Our revenues and profits may decline if weare unable to maintain relationships with significant clients, distributors and other parties, or renew contracts with them on favorable terms, or if those parties facefinancial, reputational or regulatory issues.\u201d\nOur Addressable Markets and Market Activity\nIn the lender-placed market, placement rates have increased in certain areas, due to reduced availability within the voluntary homeowners\u2019 insurance market,including in California and Texas. We continue to monitor the state of the overall housing market and the potential impact of loan modifications, forbearances andforeclosure delays, including the impact to REO volumes. Should the housing market deteriorate for a prolonged period, we could experience a longer-term increasein our placement rates over time. In addition to the overall market, our lender-placed results are also impacted by inflation and the costs of paying claims, and themix of loans we service.\nThe U.S. renters insurance market is a growing market with new building development, high occupancy and favorable relocation trends. We believe there isopportunity to increase our market share and attachment rates with new and existing clients through our investments in digital platforms designed to deliver superiorcustomer experience and our expanded offerings to provide end-to-end solutions.\nRisk Management\nWe earn premiums on our insurance products and fees for our services. Our lender-placed insurance products are not underwritten on an individual policybasis. Contracts with our clients require us to issue these policies automatically when a borrower\u2019s insurance coverage is not maintained. These products are pricedto factor in the additional risk from ensuring that all client properties have continuous insurance coverage. We monitor pricing adequacy based on a variety of factorsand adjust pricing as required, subject to regulatory constraints, including through a built-in quarterly inflation guard feature. For additional risks relating to ourGlobal Housing segment, please see \u201cItem 1A \u2013 Risk Factors\u201d, including \u201c\u2013 Financial Risks \u2013 We may be unable to accurately predict and price for claims and othercosts, which could reduce our profitability\u201d and \u201c \u2013 Actual results may differ materially from the analytical models we use to assist in our decision-making in keyareas such as pricing, catastrophe risks, reserving and capital management\u201d therein.\nBecause several of our business lines (such as homeowners, manufactured housing and other property policies) are exposed to catastrophe risks, we purchasereinsurance coverage to reduce our financial exposure, protect capital, and mitigate earnings and cash flow volatility. Our reinsurance program generally incorporatesa provision to allow for the reinstatement of coverage, which provides protection against the risk of multiple catastrophes in a single year.\nFor our 2024 catastrophe reinsurance program, we consolidated our main reinsurance purchases into a single placement date of April 2024. 2024 reinsurancepremiums for the total program are estimated to be $188.9 million pre-tax, as of December 31, 2024, compared to $207.2 million pre-tax for 2023, reflecting impactsfrom changing the timing of program placement in this initial year of transition to a single placement date, as well as favorable underlying rates from improvedreinsurance market conditions. The U.S. per-occurrence catastrophe coverage included a main reinsurance program providing $1.48 billion of coverage in excess of a$150.0 million retention for a first event. Layers 1 through 7 of the program allow for one automatic reinstatement. When combined with the Florida HurricaneCatastrophe Fund, the U.S. program protects against gross Florida losses of up to approximately $1.69 billion, in excess of retention.\nWe are also subject to non-catastrophe risk from isolated fire, water and wind damage, theft and vandalism, as well as general liability in renters andhomeowners policies. Losses are impacted by increases in the cost of materials and labor required to settle claims. Please see \u201cItem 1A \u2013 Risk Factors \u2013 Business,Strategic and Operational Risks \u2013 Catastrophe and non-catastrophe losses, including as a result of climate change and the current inflationary environment, couldmaterially reduce our profitability and have a material adverse effect on our results of operations and financial condition.\u201d\nSeasonality\nWe experience seasonal fluctuation in several of our lines of business, which are exposed to the risk of catastrophe and non-catastrophe losses.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4997, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "0d95d160-e480-45bf-9004-78645d9f76ab": {"__data__": {"id_": "0d95d160-e480-45bf-9004-78645d9f76ab", "embedding": null, "metadata": {"page_label": "12", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d6afa2b5-ec0e-4fed-ad68-d5fc9335fa6e", "node_type": "4", "metadata": {"page_label": "12", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "cedfe0cc4bc03463638f47fd4a9d3865b8f882c1d99d0cd17af2a99322e536ca", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "ba68a167-82d9-4349-9005-dcba1658eaf8", "node_type": "1", "metadata": {"page_label": "12", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "8a351f084319b93507431d3024596829e8bdd765f6effabf026d126dc7e2bd6d", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Catastropheevents such as hurricanes typically occur in the second half of the year, and may increase in frequency and severity due to climate change. We also experience someseasonal fluctuation in non-catastrophe weather-related claims that tend to occur in the first half of the year.\n9", "mimetype": "text/plain", "start_char_idx": 4998, "end_char_idx": 5286, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "2def58c0-0450-48bf-af43-fd71fc759540": {"__data__": {"id_": "2def58c0-0450-48bf-af43-fd71fc759540", "embedding": null, "metadata": {"page_label": "13", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "004878f6-f300-4104-af55-515142fcd853", "node_type": "4", "metadata": {"page_label": "13", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "fe1cee880bb1ede8829671d6a368f551ba466fa529e63d97d849c9287f42e2c7", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "48f55c7d-610d-4ee8-88f8-0b8e9ac6a5fe", "node_type": "1", "metadata": {}, "hash": "de8df73a4db9d10dfaa4c2a702ca9539dd612d8f33081c08d02772a4774b4bda", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Competition\nOur businesses focus on supporting, protecting and connecting major consumer purchases. Although we face global competition in each of our businesses, webelieve that no single competitor competes against us in all of our business lines. Across Global Lifestyle and Global Housing, we compete for business, clients,customers, agents and other distribution relationships with many insurance companies, warranty and protection companies, financial services companies, mobiledevice repair and logistics companies, technology and software companies and specialized competitors that focus on one market, product or service. We mustrespond to the threat of disruption by traditional players, as well as from new entrants, such as \u201cInsurtech\u201d start-up companies and others. Competition in eachbusiness is based on a number of factors, including scope of products and services offered, ability to tailor products and services to client and consumer needs,product features and terms, pricing, technology offerings, diversity of distribution resources, brand recognition, costs, financial strength and ratings, resources, andquality of service, including speed of claims payment and the overall customer experience. The relative importance of these factors varies by product and market. Toremain competitive in many of our businesses, we must also anticipate and respond effectively to changes in customer preferences, new industry standards, evolvingdistribution models, disruptive technology developments and alternate business models. For further information on the risks associated with competition, see \u201cItem1A \u2013 Risk Factors \u2013 Business, Strategic and Operational Risks \u2013 Significant competitive pressures, changes in customer preferences and disruption could adverselyaffect our results of operations.\u201d\nHuman Capital Resources\nA cornerstone of Assurant is the employees who bring our purpose, values and commitments to life each day for the millions of customers we serve worldwide.We believe in fostering an inclusive and performance-based culture to drive sustained profitable growth through innovation. We regularly evaluate our policies,practices and programs to ensure we continue to attract, develop and retain the best talent to support our strategy. This includes ongoing investments in competitivetotal rewards and wellbeing offerings, and providing programs for learning, development and engagement, while continuously enhancing the experience of ouremployees who are critical to our long-term success.\nAs of December 31, 2024, Assurant had approximately 14,200 employees representing, more than 80 nationalities, with a presence in 21 markets globally. Ourglobal workforce spans a wide range of roles and skills. While 75% of our employee base was located in North America, we continued to expand our presence in keyinternational markets across Europe, Latin America and Asia Pacific to support our increasingly global client portfolio. As of December 31, 2024, approximately63% of our employees were frontline workers, predominantly in hourly roles such as customer care, claims administration, mobile repair and logistics. Theremaining 37% were in managerial roles, predominantly salaried employees engaged in an array of business and support functions. As of December 31, 2024, 60%of our global workforce were women. In the U.S., our largest market, women accounted for 63% of employees while other underrepresented minority groupsaccounted for 56% of our domestic workforce. We continue to promote and welcome an inclusive workforce across all levels of the Company in support of ourbusiness strategy.\nFor full-year 2024, our global turnover rate was 13%, reflecting our blended workforce of frontline and managerial roles; turnover for managerial and salariedroles was 5%, and turnover for frontline employees was 17%, which is typically higher given the nature of the roles. The turnover rate for both frontline andmanagerial employees improved by 2 and 1 percentage points, respectively, year-over-year . Overall, this is attributed to ongoing actions to identify and remediatetalent risks and enhance the employee experience as well as stabilization in key labor markets.\nThe Board, through the Compensation and Talent Committee, oversees the significant human capital management programs of Assurant, which are led byAssurant\u2019s Chief Executive Officer (\u201cCEO\u201d), its Chief Operating Officer and its Chief People Officer. Attracting, developing and retaining the best talent globally iskey to our success in sustaining long-term profitable growth. In January 2024, we expanded our Management Committee to broaden leadership expertise and depthin the areas of financial, human capital and technology strategy. These appointments further underscored our deep talent pool and robust succession bench.\nOur talent strategy is focused on empowering employees to learn, grow and thrive, equipping the business with the talent needed to deliver on our long-termstrategy, and recognize and reward performance. As part of our talent strategy, we have established Global Capability Centers, or global talent hubs in key markets,to leverage our global scale and access to best-in-class talent.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5205, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "48f55c7d-610d-4ee8-88f8-0b8e9ac6a5fe": {"__data__": {"id_": "48f55c7d-610d-4ee8-88f8-0b8e9ac6a5fe", "embedding": null, "metadata": {"page_label": "13", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "004878f6-f300-4104-af55-515142fcd853", "node_type": "4", "metadata": {"page_label": "13", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "fe1cee880bb1ede8829671d6a368f551ba466fa529e63d97d849c9287f42e2c7", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "2def58c0-0450-48bf-af43-fd71fc759540", "node_type": "1", "metadata": {"page_label": "13", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "8f6b3e8e06ab02fc4f054f86380c33a5695bdc0239e1297b7fd430490a53add6", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "We believe this advances our operating model, creates new capacity for client growth, fostersinnovation, and enables talent to focus on customer experiences in key attractive markets.\n(1) Beginning in 2024, we revised the definition of employer turnover to include voluntary turnover only. We believe this revised approach to exclude any involuntary actions provides better insight into theprogram and strategies we can take as an organization to impact employee retention.\nWe regularly engage with our employees to seek feedback through an array of forums and channels, including one-on-one discussions with managers,interactive townhall meetings, employee surveys and our enterprise-wide listening program\n(1)\n10", "mimetype": "text/plain", "start_char_idx": 5206, "end_char_idx": 5920, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "944caaaf-eb88-4001-9dba-a2d4a228b946": {"__data__": {"id_": "944caaaf-eb88-4001-9dba-a2d4a228b946", "embedding": null, "metadata": {"page_label": "14", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "0e782df8-6c72-4f4f-b4f6-a3691c7371fe", "node_type": "4", "metadata": {"page_label": "14", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "bd1d525ac56ca8ca86b05fc5ad1b55ed72a7c8f6ce923bbff8e8a47c4d029851", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "c28ff2cf-75a8-4e4f-b0e0-7b52ae55a6e6", "node_type": "1", "metadata": {}, "hash": "6be6fe3eac4bf47586baa504a73245d5a40c35bdc61fc63a2fd9ec751706dc24", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "designed to expand opportunities for anonymous, real-time feedback between managers and employees. Key topics covered include our culture, learning anddevelopment, compensation, benefits, wellbeing and recognition. Based on employee feedback, action plans are implemented to address gaps or to further enhanceemployee satisfaction in alignment with our overall human capital strategy. Results from our most recent listening program that concluded in June 2024 benefitedfrom strong employee participation and showed improvement above the prior year and generally above relevant industry benchmarks. Overall, the surveyhighlighted that employees generally feel engaged and aligned with the Company\u2019s priorities and that our culture is a differentiator. In many areas, such asmanagement support, mental wellbeing, and recognition, results trended more favorably against our 2023 engagement survey and at or above comparable industrybenchmarks.\nFostering an Inclusive and Performance Driven Culture\nBuilding an inclusive culture is more than the right thing to do - it\u2019s a business imperative - a key enabler of growth and innovation, rooted in our belief thatmore inclusive teams deliver stronger performance. We believe global teams and inclusive cultures perform better by improving our ability to respond to thechanging global marketplace. We are committed to foster a sense of belonging at Assurant. Our Chief Operating Officer has direct oversight and responsibility forour strategy, along with our SVP, Global Communications and Sustainability.\nWe strategically recruit talent with different expertise, experiences, and perspectives necessary to deliver on our long-term strategies, including throughstrategic and educational partnerships that bring greater visibility and expertise. We are focused on inclusion through global programming, including five EmployeeResource Groups, which are open to all employees globally and provide forums for employees to raise topics that are important to them. All Employee ResourceGroups are chaired by members of our Management Committee or senior leaders to reinforce commitment and engagement at the highest levels of the company. Inthe marketplace, we support digital inclusion, STEM and thriving communities through the Assurant Foundation and we partner with nonprofit organizations toprovide leadership development opportunities.\nFair Pay\nAssurant is committed to fair pay. Our compensation practices and programs consider a variety of factors designed to set fair compensation levels. We take aholistic approach to evaluating and aligning roles with compensation levels based on job responsibilities, market competitiveness, geographical location, strategicimportance of roles and other relevant factors. We periodically evaluate our compensation practices and for the last several years have engaged in a multi-step payequity assessment process to ensure that we are compensating fairly for employees performing substantially similar job responsibilities. Results from our last reviewcompleted in 2024, which examined base pay and target total cash compensation for U.S.- based employees, and base pay for the U.K.-, Argentina- and Canada-based employees, or roughly 87% of our workforce, confirmed that there is no evidence of systemic disparities for comparable job groupings with similar skill,scope and effort. We expect to continue to assess compensation practices annually and remain committed to remediate any significant pay disparities we maydiscover. We also continue to monitor and adjust market wages as necessary to ensure we provide competitive wages, consistent with our ongoing compensationpractices.\nWe remain committed to investing in our people through competitive rewards and development opportunities. We continued to reward high performers andinvest in merit increases, allocating more funding to front-line employees in recognition of the disproportionate impact of the current challenging economicenvironment. We have advanced our commitment to pay transparency, particularly in North America, by providing applicants and employees with base salary rangesfor their role and grade.\nTotal Rewards and Wellbeing\nWe are committed to the health and safety of our employees as we believe the success of our business is directly connected to their wellbeing. In addition toproviding robust compensation and benefits programs and opportunities to invest in their financial future, we offer employees and their families access to a variety ofhealth and wellness programs. Our Total Rewards programs help to provide protection and security related to events that may require time away from work or thatimpact their financial wellbeing, such as paid time off, family leave, family care resources and flexible work schedules. Our Global Employee Assistance Planprovides additional support to help employees and their families access critical resources for their wellbeing, including financial, social, physical and mental health.\nTo further promote wellbeing, Assurant continued to expand the reach of its Personify Health (formerly known as Virgin Pulse) global wellbeing platformallowing employees to personalize their unique wellbeing goals with access to tools, activities and ways to stay engaged and accountable for building healthy habits.Assurant also included access to the Headspace App as a no-cost benefit for all global employees, which is an additional resource for managing stress and helping tofind better balance.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5492, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "c28ff2cf-75a8-4e4f-b0e0-7b52ae55a6e6": {"__data__": {"id_": "c28ff2cf-75a8-4e4f-b0e0-7b52ae55a6e6", "embedding": null, "metadata": {"page_label": "14", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "0e782df8-6c72-4f4f-b4f6-a3691c7371fe", "node_type": "4", "metadata": {"page_label": "14", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "bd1d525ac56ca8ca86b05fc5ad1b55ed72a7c8f6ce923bbff8e8a47c4d029851", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "944caaaf-eb88-4001-9dba-a2d4a228b946", "node_type": "1", "metadata": {"page_label": "14", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e497a60e9eebaea767724fa19472ab761326eda1976727a8f866ca08558ccf7e", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "We regularly benchmark our Total Rewards against companies of similar size and industries to ensure our offerings remain competitive and solicit employeefeedback on the evolving needs of our workforce. We conducted employee focus groups that helped validate that recommended plan changes for 2024 met the needsof our global workforce, particularly around predictability and affordability of health care costs. Additionally, there were several enhancements to benefits starting in2024,\n11", "mimetype": "text/plain", "start_char_idx": 5493, "end_char_idx": 5980, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "402e9a84-bda1-4971-9818-845473041362": {"__data__": {"id_": "402e9a84-bda1-4971-9818-845473041362", "embedding": null, "metadata": {"page_label": "15", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "eff51d69-fd9a-456f-b6d3-02488568c46e", "node_type": "4", "metadata": {"page_label": "15", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "9f01e8cdb5d2bbcfc73fc78a11f41ac052a2614ecb0297017f9179679dbbdea7", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "such as increased employer contributions, expanded plan offerings and more affordable virtual care and mental health access. Assurant also has an HR virtualassistant to provide easy access to routine questions employees raise with the goal of improving their experience as an employee. We will continue to assessadditional opportunities across Total Rewards and Wellbeing to help attract and retain top talent.\nRecognizing the benefit of flexible work arrangements for our business, customers and employees, we continued to enable a long-term shift to a hybrid workmodel to support our business and talent strategy. A majority of our employees work virtually on a full-time or part-time basis. While we will continue to encouragepurposeful in-person engagement to support our culture, team development and product innovation, we believe our hybrid work model will remain a key competitiveadvantage to support the evolving needs of our customers and employees. Within this hybrid environment, we introduced a new framework to support enterpriseengagement. We continued our ongoing real estate consolidation to support work-from-home arrangements given our increasingly hybrid workforce, while makingnecessary investments in key facilities (such as our Nashville Innovation and Device Care Center) and markets to support the long-term strategy of the Company.\nLearning and Development\nLearning and development are essential to Assurant\u2019s success. We continually invest in our employees\u2019 career growth and provide employees with a wide rangeof training and development opportunities, including face-to-face, virtual and self-directed learning, mentoring and external development opportunities through aportfolio of initiatives called Leading the Way, which is designed to unlock the potential of our talent to achieve our vision and purpose. Leading the Way is intendedto further grow skills, capabilities and careers to impact engagement, performance and drive results. Strengthening employees\u2019 leadership, technical and professionalskills to broaden career opportunities, while also reinforcing a culture of strong ethics and compliance, are primary focus areas. We continue to implement keyinitiatives to support upskilling and reskilling and increase adoption of new technology and processes by providing both learning and change support, furthering ourfocus on a digital-first mindset. In 2024, this included the ongoing integration of AI tools to enhance and improve the employee and customer experience with theappropriate training and reporting to ensure we effectively govern deployed solutions and continuously learn. We also continued to provide all employees withaccess to industry leading content and a virtual mentor to further develop professional, technical, and managerial skills. This also included specific access fortechnology employees to immerse in technology labs and assessments as we look to expand critical skills in this area. Additionally, Assurant assists employees in thepursuit of undergraduate and graduate degrees, certifications and continuing education required by certain professional organizations.\nWe have adapted our learning and development programs and delivery modes to meet the varying needs of our business and our predominantly virtualworkforce. We provide a broad array of training on topics such as managing virtual and hybrid teams, mental health awareness and building resilience, managerialskills and inclusion. In 2024, we continued to enhance our manager and senior leader programming to strengthen our bench of future ready leaders. In addition, weimplemented an enterprise-wide mentorship program to help support emerging talent.\nSuccession Planning\nAn important element of our talent strategy is succession planning and building leadership pipelines for our most critical roles across the organization.\nWe assess the performance and potential of current incumbents, identify and assess potential successors, and create targeted development plans to strengthenthe preparedness of our talent pipeline. Annually, we conduct a comprehensive talent review to discuss potential successors of our Management Committee and otherkey leadership roles, as well as a broader group of top talent as we look to ensure better visibility into our strengths and opportunities for prioritized roles. TheCompensation & Talent Committee annually reviews the CEO succession plan and succession plans for senior executives, which includes emergency successors foreach role, and conducts a broader talent review with the goal to ensure we have the right leadership in place to execute the Company\u2019s long-term strategic plans.\nFor more information on our human capital resources, please refer to our most recent Sustainability Report available at https://www.assurant.com/our-story/sustainability and our most recent Proxy Statement available at ir.assurant.com. The information found on our website and in such reports is not incorporatedby reference into and does not constitute a part of this Report.\nIntellectual Property\nWe rely on a combination of contractual rights and patents, trademarks, copyrights and trade secrets to establish and protect our intellectual property. Weregularly file patent and trademark applications to protect innovations arising from our research, development, design and marketing. We own a number of patentsand pending applications relating to technical innovations. In addition, we have a trademark portfolio that we consider important in the marketing of our productsand services, including the \u201cAssurant\u201d brand name.\n12", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5584, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "0cfd00df-8533-489e-80fa-bb3094934335": {"__data__": {"id_": "0cfd00df-8533-489e-80fa-bb3094934335", "embedding": null, "metadata": {"page_label": "16", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "bb9eacb8-5fc9-4093-9008-24a308dc7c11", "node_type": "4", "metadata": {"page_label": "16", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f44891c4ee25c1f45750525b0c11c9015b93e9582a3c9eb97f6ccc1991eb4411", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "7f5c4bf3-5bac-4568-b291-84d70736d80f", "node_type": "1", "metadata": {}, "hash": "eb9fc484798f4e2699acff531ae449f820963efbf3fffea766e3c45abb287261", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Over time, we have accumulated a sizeable portfolio of issued and registered intellectual property rights around the world, and we seek to protect it againstinfringement. No single intellectual property right is solely responsible for protecting our products and services. We have also entered into agreements that permitother companies to use certain of our patents and trademarks.\nWe believe the duration of our intellectual property rights is adequate relative to the expected lives of our products and services. Patents are of varying durationdepending on the filing date, and they will typically expire at the end of their natural term. The trademark registrations may be renewed indefinitely, subject tocountry-specific use and registration requirements. For risks relating to our intellectual property, see \u201cItem 1A \u2013 Risk Factors \u2013 Legal and Regulatory Risks \u2013 Ourbusiness is subject to risks related to litigation and regulatory actions.\u201d\nRatings \nIndependent rating organizations periodically review the financial strength of insurers, including many of our insurance subsidiaries. Financial strength ratingsrepresent the opinions of rating agencies regarding the ability of an insurance company to meet its financial obligations to policyholders and contract holders. Theseratings are not applicable to our common stock or debt securities. Ratings are an important factor in establishing the competitive position of insurance companies.\nRating agencies also use an \u201coutlook statement\u201d of \u201cpositive,\u201d \u201cstable,\u201d \u201cnegative\u201d or \u201cdeveloping\u201d to indicate a medium- or long-term trend in creditfundamentals which, if continued, may lead to a rating change. A rating may have a stable outlook to indicate that the rating is not expected to change; however, astable outlook does not preclude a rating agency from changing a rating at any time, without notice.\nMost of our domestic operating insurance subsidiaries are rated by A.M. Best Company (\u201cA.M. Best\u201d). In addition, three of our domestic operating insurancesubsidiaries are rated by Moody\u2019s Investors Service, Inc. (\u201cMoody\u2019s\u201d) and S&P Global Ratings, a division of S&P Global Inc. (\u201cS&P\u201d). The ratings issued on ouroperating insurance subsidiaries by these agencies are announced publicly and are available from the agencies.\nFor information on the risks associated with ratings downgrades, see \u201cItem 1A \u2013 Risk Factors \u2013 Financial Risks \u2013 A decline in the financial strength ratings ofour insurance subsidiaries could adversely affect our results of operations and financial condition.\u201d\nThe following table summarizes the financial strength ratings and outlooks of our domestic operating insurance subsidiaries as of December 31, 2024:\nA.M. Best (1) Moody\u2019s (2) S&P (3)\nCompany\nAmerican Bankers Insurance Company of Florida A+ A2  A\nAmerican Bankers Life Assurance Company of Florida A A2  A\nAmerican Security Insurance Company A+ A2  A\nCaribbean American Life Assurance Company A  N/A  N/A\nCaribbean American Property Insurance Company A+  N/A  N/A\nReliable Lloyds Insurance Company A+  N/A  N/A\nStandard Guaranty Insurance Company A+  N/A  N/A\nVirginia Surety Company, Inc. A+  N/A  N/A\nVoyager Indemnity Insurance Company A+  N/A  N/A\n(1) A.M. Best financial strength ratings range from \u201cA+\u201d (superior) to \u201cD\u201d (poor). A second \u201c+\u201d or a \u201c-\u201d may be appended to ratings from categories A+ to C to indicate relative position within acategory. Ratings of A+ fall under the \u201csuperior\u201d category, which is the highest of A.M. Best\u2019s seven ratings categories, while ratings of A fall under the \u201cexcellent\u201d category, which is the secondhighest of A.M. Best\u2019s seven ratings categories. A.M. Best has a stable outlook on all of our domestic operating insurance subsidiaries\u2019 financial strength ratings.(2) Moody\u2019s insurance financial strength ratings range from \u201cAaa\u201d (highest quality) to \u201cC\u201d (lowest rated). A numeric modifier may be appended to ratings from \u201cAa\u201d to \u201cCaa\u201d to indicate relative positionwithin a category, with 1 being the highest and 3 being the lowest. A rating of A2 is considered \u201cupper-medium-grade\u201d and falls within the third highest of Moody\u2019s nine ratings categories. Moody'shas a stable outlook on all of our domestic operating insurance subsidiaries\u2019 insurance financial strength ratings.(3) S&P\u2019s insurer financial strength ratings range from \u201cAAA\u201d (extremely strong) to \u201cD\u201d (general default). A \u201c+\u201d or \u201c-\u201d may be appended to ratings from categories AA to CCC to indicate relativeposition within a category.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4484, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "7f5c4bf3-5bac-4568-b291-84d70736d80f": {"__data__": {"id_": "7f5c4bf3-5bac-4568-b291-84d70736d80f", "embedding": null, "metadata": {"page_label": "16", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "bb9eacb8-5fc9-4093-9008-24a308dc7c11", "node_type": "4", "metadata": {"page_label": "16", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f44891c4ee25c1f45750525b0c11c9015b93e9582a3c9eb97f6ccc1991eb4411", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "0cfd00df-8533-489e-80fa-bb3094934335", "node_type": "1", "metadata": {"page_label": "16", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "81bd3993d854aa6308713c46e9f37da407fd129858452a7b1cc8e4320c3b031a", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Ratings of A (strong) are within the third highest of S&P\u2019s nine ratings categories. S&P has a stable outlook on all of our domestic operating insurance subsidiaries\u2019 insurerfinancial strength ratings.\n13", "mimetype": "text/plain", "start_char_idx": 4485, "end_char_idx": 4689, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "1a3a0de3-fb63-41b0-b498-2f380e886b14": {"__data__": {"id_": "1a3a0de3-fb63-41b0-b498-2f380e886b14", "embedding": null, "metadata": {"page_label": "17", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "2dbf41bd-e810-4b33-af17-fb7b2d6e3574", "node_type": "4", "metadata": {"page_label": "17", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "bcf1e07b340b40d847e4f6507fff884c458fb4c11f09f9f9559224dcf9b3cbf5", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Regulation\nWe are subject to extensive federal, state and international regulation and supervision in the jurisdictions in which we do business. Regulations vary fromjurisdiction to jurisdiction.\nThe following is a summary of significant regulations that apply to our businesses, but it is not intended to be a comprehensive review of every regulation to\nwhich we are subject. For information on the risks associated with regulations applicable to us, see \u201cItem 1A \u2013 Risk Factors \u2013 Business, Strategic and Operational\nRisks\u201d, \u201cItem 1A \u2013 Risk Factors \u2013 Technology, Cybersecurity and Privacy Risks\u201d and \u201cItem 1A \u2013 Risk Factors \u2013 Legal and Regulatory Risks.\u201d\nHolding Company Insurance Regulations\nUnder applicable insurance holding company regulations, no person may acquire a controlling interest in the Company or any of our insurance companysubsidiaries, unless such person has obtained prior regulatory approval for such acquisition. Under these laws, \u201ccontrol\u201d is presumed when any person acquires orholds, directly or indirectly, 10% or more of our common stock or of the voting securities of any of our insurance company subsidiaries. To obtain approval, theproposed acquiror must file an application with the relevant regulator. For more information on the risks associated with holding company insurance regulations, see\u201cItem 1A \u2013 Risk Factors \u2013 General Risk Factors \u2013 Applicable laws and our certificate of incorporation and by-laws may discourage takeovers and businesscombinations that some stockholders might consider to be in their best interests.\u201d\nU.S. Insurance Regulation\nWe are subject to the insurance holding company laws in the states and territories where our insurance companies are domiciled. These laws generally requireinsurance companies within the insurance holding company system to register with the insurance departments of their respective states and territories of domicileand furnish reports to such insurance departments regarding capital structure, ownership, financial condition, risk management, corporate governance, generalbusiness operations and intercompany transactions. These laws also require that transactions between affiliated companies be fair and equitable. In addition, certainintercompany transactions, changes of control, certain dividend payments and certain transfers of assets between the companies within the holding company systemare subject to prior notice to, or approval by, regulatory authorities in such states and territories.\nWe are licensed to sell insurance through our insurance subsidiaries in all 50 states, Puerto Rico and the District of Columbia. Like all U.S. insurancecompanies, our insurance subsidiaries are subject to regulation and supervision in the jurisdictions where they do business. In general, these regulations are designedto protect the interests of policyholders, and not necessarily the interests of shareholders and other investors. To that end, the laws of the various jurisdictionsestablish insurance departments with broad powers with respect to such things as:\n\u2022 licensing;\n\u2022 capital, surplus and dividends;\n\u2022 underwriting requirements and limitations (including, in some cases, minimum or target loss ratios);\n\u2022 entrance into and exit from markets;\n\u2022 introduction, cancellation and termination of certain coverages;\n\u2022 statutory accounting and annual statement disclosure requirements;\n\u2022 product types, policy forms and mandated insurance benefits;\n\u2022 premium rates;\n\u2022 fines, penalties and assessments;\n\u2022 claims practices, including occasional regulatory requirements to pay claims on terms other than those mandated by underlying policy contracts;\n\u2022 transactions between affiliates;\n\u2022 the form and content of disclosures to consumers;\n\u2022 the type, amounts and valuation of investments;\n\u2022 annual tests of solvency and reserve adequacy;\n\u2022 assessments or other surcharges for guaranty funds and the recovery of assessments through premium increases; and  \n\u2022 market conduct and sales practices of insurers and agents.\n14", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4007, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "8ccb9c4a-1162-4216-883c-63e60606cd1a": {"__data__": {"id_": "8ccb9c4a-1162-4216-883c-63e60606cd1a", "embedding": null, "metadata": {"page_label": "18", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "acaa8a0d-a564-4895-915e-635d123eb655", "node_type": "4", "metadata": {"page_label": "18", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "52edae095d0826c6518abf312eb38719ef90c60e64f6a2fa66b4a9ed13ab0fc2", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "4dabcbaf-5be7-49fa-b912-80199b439a15", "node_type": "1", "metadata": {}, "hash": "9779d8379fbda1b15ea60d73bb9be730aa39f340f593d711b567259e0c9d4d56", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Risk-Based Capital Requirements. In order to enhance the regulation of insurer solvency, the National Association of Insurance Commissioners (the \u201cNAIC\u201d)has established certain risk-based capital (\u201cRBC\u201d) standards applicable to life, health and property and casualty insurers. RBC, which regulators use to assess thesufficiency of an insurer\u2019s statutory capital, is calculated by applying factors to various asset, premium, expense, liability and reserve items. Factors are higher foritems that the NAIC views as having greater underlying risk. The NAIC periodically reviews the RBC formula and changes to the formula could occur in the future.\nInvestment Regulation. Insurance company investments must comply with applicable laws and regulations that govern the kind, quality and concentration ofinvestments made by insurance companies. These regulations require diversification of insurance company investment portfolios and limit the amount ofinvestments in certain asset categories.\nProducts and Coverage. Insurance regulators have broad authority to regulate many aspects of our products and services. Additionally, certain non-insuranceproducts and services we offer, such as service contracts, may be regulated by regulatory bodies other than departments of insurance and may be subject to consumerprotection laws.\nPricing and Premium Rates. Nearly all states and territories have insurance laws requiring insurers to file price schedules and policy forms with the state\u2019s orterritory\u2019s regulatory authority. In many cases, these price schedules and/or policy forms must be approved prior to use, and state and territory insurance departmentshave the power to disapprove increases or require decreases in the premium rates we charge.\nMarket Conduct Regulation. Activities of insurers are highly regulated by state and territory insurance laws and regulations, that govern the form and contentof disclosure to consumers, advertising, sales practices and complaint handling. State and territory regulatory authorities enforce compliance through periodic marketconduct examinations.\nGuaranty Associations and Indemnity Funds. Most states and territories require insurance companies to support guaranty associations or indemnity funds,which are established to pay claims on behalf of insolvent insurance companies. These associations may levy assessments on member insurers. In some states andterritories, member insurers can recover a portion of these assessments through premium tax offsets and/or policyholder surcharges.\nInsurance Regulatory Initiatives. The NAIC, state and territory regulators and professional organizations have considered and are considering variousproposals that may alter or increase state and territory authority to regulate insurance companies and insurance holding companies. For example, in 2021, the NAICadopted the NAIC Real Property Lender-Placed Insurance Model Act (the \u201cLPI Model Act\u201d). The LPI Model Act governs the insurance that a mortgage servicerobtains when a borrower fails to obtain or maintain required insurance. Several states have enacted legislation that mirrors the LPI Model Act. See \u201cItem 1A \u2013 RiskFactors \u2013 Legal and Regulatory Risks \u2013 Changes in insurance regulation may reduce our profitability and limit our growth\u201d for a discussion of the risks related tosuch initiatives.\nFederal Regulation\nAlthough our business in the United States is primarily regulated by the states, federal initiatives often have an impact on our business in a variety of ways.Impacted areas include financial services regulation, privacy, tort reform legislation and taxation. In addition, various forms of direct and indirect federal regulationof insurance have been proposed from time to time, including proposals for the establishment of an optional federal charter for insurance companies. See \u201cItem 1A \u2013Risk Factors \u2013 Legal and Regulatory Risks \u2013 Our business is subject to risks related to litigation and regulatory actions.\u201d\nEmployee Retirement Income Security Act. We are subject to regulation under the Employee Retirement Income Security Act of 1974, as amended (\u201cERISA\u201d).ERISA places certain requirements on how we may administer employee benefit plans covered by ERISA. Among other things, regulations under ERISA setstandards for certain notice and disclosure requirements and for claim processing and appeals.\nGramm-Leach-Bliley Act. Certain of our activities are subject to the privacy requirements of the Gramm-Leach-Bliley Act, which, along with regulationsadopted thereunder, generally requires insurers to provide customers with notice regarding how their nonpublic personal financial information is used and theopportunity to \u201copt out\u201d of certain disclosures, if applicable.\nDodd-Frank Wall Street Reform and Consumer Protection Act. Regulations under the Dodd-Frank Wall Street Reform and Consumer Protection Act (the\u201cDodd-Frank Act\u201d) address mortgage servicers\u2019 obligations to correct errors asserted by mortgage loan borrowers; provide certain information requested by suchborrowers; and provide protections to such borrowers in connection with lender-placed insurance. These requirements affect our operations because, in manyinstances, we administer such operations on behalf of our mortgage servicer clients.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5270, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "4dabcbaf-5be7-49fa-b912-80199b439a15": {"__data__": {"id_": "4dabcbaf-5be7-49fa-b912-80199b439a15", "embedding": null, "metadata": {"page_label": "18", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "acaa8a0d-a564-4895-915e-635d123eb655", "node_type": "4", "metadata": {"page_label": "18", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "52edae095d0826c6518abf312eb38719ef90c60e64f6a2fa66b4a9ed13ab0fc2", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "8ccb9c4a-1162-4216-883c-63e60606cd1a", "node_type": "1", "metadata": {"page_label": "18", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "29b0afd2dadaa03e9bccaebe43a3b393bb5e7759c1e2281e25716f57ea14d6a6", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "While the Consumer Financial Protection Bureau (the \u201cCFPB\u201d) does not havedirect jurisdiction over insurance products, it is possible that additional regulations promulgated by the CFPB may extend its authority more broadly to cover theseproducts and others we offer and thereby affect us or our clients. In addition, the Dodd-Frank Act created the Federal Insurance Office (\u201cFIO\u201d) within the U.S.Department of the Treasury (\u201cU.S. Treasury\u201d). While the FIO does not have general supervisory or regulatory authority over the business of insurance, the FIOdirector performs various functions with respect to insurance, including monitoring the insurance sector and representing the\n15", "mimetype": "text/plain", "start_char_idx": 5271, "end_char_idx": 5952, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "d9208172-3c27-49f3-8c73-c62ffeb4b6ed": {"__data__": {"id_": "d9208172-3c27-49f3-8c73-c62ffeb4b6ed", "embedding": null, "metadata": {"page_label": "19", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "ee10cde2-164c-4333-b31e-a7df790ec703", "node_type": "4", "metadata": {"page_label": "19", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "4bde07dcbc801df6fd87637470d18c37fee632867938af7e74808b6558ccf077", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "f1609282-449e-413f-a013-c8b027a29436", "node_type": "1", "metadata": {}, "hash": "4b5691327f59e3d4af54749f762c77692cb9e374bdba11c041b7bdcce68be4c2", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "U.S. on prudential aspects of international insurance matters, including at the International Association of Insurance Supervisors (\u201cIAIS\u201d). Additional regulations ornew requirements may emerge from the activities of these regulatory entities.\nTax Reform. The Company is evaluating the impact of recent and upcoming changes in U.S. tax laws. The Corporate Alternative Minimum Tax, enacted as partof the Inflation Reduction Act of 2022, creates a 15% corporate alternative minimum tax (\u201cCAMT\u201d) on certain large \u201capplicable corporations\u201d and an excise tax of1% on stock repurchases by publicly traded U.S. corporations, both effective after December 31, 2022. The excise tax on common stock repurchases is classified asan additional cost of the stock acquired included in treasury stock in shareholders' equity. The Company has determined that it is not considered an \u201capplicablecorporation\u201d under the rules of CAMT.\nThe Organization for Economic Cooperation and Development has released Pillar Two Model Rules, a 15% minimum effective tax rate designed to ensure thatlarge multinational enterprises pay a minimum level of tax on the income arising in each jurisdiction where they operate and mandates sharing of certain companyinformation with taxing authorities on a local and global basis. Certain jurisdictions have enacted, and others have proposed, legislation to implement certainprovisions of Pillar Two. We are continuing to monitor the implications resulting from the potential enactment of Pillar Two rules in the jurisdictions where weoperate, and do not currently anticipate a material impact. For more information, see \u201cItem 1A \u2013 Risk Factors \u2013 Legal and Regulatory Risks \u2013 Changes in tax lawsand regulations could have a material adverse impact on our results of operations and financial condition.\u201d\nInternational Regulation\nWe are subject to regulation and supervision of our international operations in various jurisdictions. These regulations, which vary depending on thejurisdiction, include, among others, anti-corruption laws; solvency and market conduct regulations; various privacy, insurance, tax, tariff and trade laws andregulations; and corporate, employment, intellectual property and investment laws and regulations. We operate in various jurisdictions, including Canada, the U.K.,France, Argentina, Australia, Brazil, Chile, Peru, Colombia, Germany, India, the Netherlands, New Zealand, Puerto Rico, Spain, Italy, Mexico, Japan, South Korea,Hong Kong and Singapore, and, in several of these jurisdictions, our businesses are supervised by local regulatory authorities. In fourth quarter 2023, we made thedecision to fully exit our operations in mainland China (other than Hong Kong), which were subsequently sold in 2024. See Note 5 to the Consolidated FinancialStatements included elsewhere in this Report for more information.\nIn the past few years, the IAIS developed a model common framework for the supervision of Internationally Active Insurance Groups (\u201cIAIGs\u201d), whichincludes group-wide supervisory oversight across national boundaries and the establishment of ongoing supervisory colleges (\u201cComFrame\u201d). ComFrame applies toentities that meet the IAIS\u2019s criteria for IAIGs and that are so designated by their group-wide supervisor. The NAIC previously adopted changes to the ModelInsurance Holding Company System Regulatory Act to allow state insurance regulators in the U.S. to be designated as group-wide supervisors for U.S.-based IAIGs.While we do not currently meet the criteria for IAIG designation, we are monitoring developments of reforms adopted by the IAIS as they influence NAIC activities,including those related to risk and group capital oversight.\nSecurities and Corporate Governance Regulation  \nAs a company with publicly-traded securities, we are subject to certain legal and regulatory requirements applicable generally to public companies, includingthe rules and regulations of the U.S. Securities and Exchange Commission (the \u201cSEC\u201d) and the New York Stock Exchange (the \u201cNYSE\u201d) relating to public reportingand disclosure, accounting and financial reporting, corporate governance and other matters. One of our subsidiaries is a broker-dealer that is registered with the SECand with the state securities commissions in all 50 states, and it is a member of the Financial Industry Regulatory Authority. Additionally, we and our subsidiaries aresubject to the corporate governance laws of our respective jurisdictions of incorporation or formation.\nConsumer Protection Laws\nNumerous federal, state and international consumer protection laws affect the Company. For example, as part of the Dodd-Frank Act, Congress established theCFPB to supervise and regulate institutions that provide certain financial products and services to consumers. Although the consumer financial services subject to theCFPB\u2019s jurisdiction generally exclude insurance businesses, the CFPB may take the position that it has the authority to regulate certain non-insurance consumerservices we provide.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5025, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "f1609282-449e-413f-a013-c8b027a29436": {"__data__": {"id_": "f1609282-449e-413f-a013-c8b027a29436", "embedding": null, "metadata": {"page_label": "19", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "ee10cde2-164c-4333-b31e-a7df790ec703", "node_type": "4", "metadata": {"page_label": "19", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "4bde07dcbc801df6fd87637470d18c37fee632867938af7e74808b6558ccf077", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "d9208172-3c27-49f3-8c73-c62ffeb4b6ed", "node_type": "1", "metadata": {"page_label": "19", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b0161130de699f13ad7ae4c280280166546a77a286118551c9430fcdfecd7e01", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "In addition, new or amended international regulations relating to fair value and fair treatment relating to products and services for consumersare being further considered or proposed, depending on the jurisdiction.\nAnti-Corruption Regulation\nWe are subject to certain U.S. and foreign laws applicable to businesses generally, including anti-corruption laws. The Foreign Corrupt Practices Act of 1977(the \u201cFCPA\u201d) regulates U.S. companies in their dealings with foreign officials and prohibits bribes and similar practices. In addition, the U.K. Anti-Bribery Act haswide applicability to certain activities that\n16", "mimetype": "text/plain", "start_char_idx": 5026, "end_char_idx": 5639, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "3bfaafe4-304b-485b-a86d-a504b48a73b4": {"__data__": {"id_": "3bfaafe4-304b-485b-a86d-a504b48a73b4", "embedding": null, "metadata": {"page_label": "20", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "56f8b831-8721-4099-89a7-c87d5f8125c8", "node_type": "4", "metadata": {"page_label": "20", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ffedc4bf6f4914efcae30cd3650d14d0247e89b7c87c2a4241e9ff3ddc9378d6", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "9e5e5649-95be-4561-9f29-1fee7fd794fc", "node_type": "1", "metadata": {}, "hash": "dec2f8a22f7ab3c1a0a478b6fccd081a23bb557c259b1d983e6e78bdc4f0ef89", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "affect U.K. companies, their commercial activities in the U.K., and potentially that of their affiliates located outside of the U.K. Anti-bribery and corruption laws andregulations continue to be implemented and/or enhanced across most of the jurisdictions in which we operate.\nCybersecurity, Privacy Regulation and Artificial Intelligence\nWe are subject to a variety of laws and regulations in the U.S. and abroad regarding privacy, data protection and data security. These laws and regulations arecontinuously evolving and developing. Since the enactment of EU General Data Protection Regulation (\u201cGDPR\u201d), multiple countries where we conduct businesshave or are in the process of enacting comprehensive data protection laws that largely model GDPR. In the United States, we are subject to a variety of federal andstate privacy and data security laws and regulations. At the state level, the NAIC Insurance Data Security Model Law has been enacted in multiple states, imposingan array of detailed security measures, reporting and attestation requirements on insurance companies. The accelerated rate of adoption poses challenges forbusinesses as implementation and compliance may necessitate modifications to businesses processes, technological infrastructure, security measures and customer-facing websites.\nCybersecurity risks and incidents remain a focus for regulators. For example, in July 2023, the SEC adopted new rules for public companies requiringdisclosure of material cybersecurity incidents and periodic disclosures regarding cybersecurity risk management, strategy and governance. Furthermore, inNovember 2023, the New York Department of Financial Services (the \u201cNYDFS\u201d) finalized amendments to its cybersecurity rule applicable to financial institutionslicensed by the NYDFS.\nIn addition, we are monitoring increased regulatory activity related to artificial intelligence, including machine learning tools. For example, the NAIC hasadopted a model bulletin, The Use of Artificial Intelligence Systems by Insurers, to inform and articulate general expectations on how insurers will govern thedevelopment, acquisition and use of certain artificial intelligence technologies. Approximately 20 states have adopted the bulletin with additional adoption expectedin 2025, and several other states, such as Colorado, New York and California have adopted their own AI regulations or guidance specific for the insurance industry.Internationally, on August 1, 2024, the European Union Artificial Intelligence Act, the first comprehensive legal framework for the regulation of artificial intelligencesystems across the EU, went into force, with enforcement beginning in 2026.\nClimate-Related Regulation\nWe are subject to various federal, state, and international regulations regarding climate risk disclosure. In March 2024, the SEC adopted new rules fordisclosing climate-related risks, Scope 1 and Scope 2 GHG emissions, and climate-related financial metrics. However, these rules were stayed in April 2024 due toongoing federal litigation in the US Court of Appeals for the Eighth Circuit, leaving their implementation uncertain.\nFurthermore, our European subsidiaries will be required to comply with the European Union\u2019s Corporate Sustainability Directive (\u201cCSRD\u201d), and our U.S.operations may be subject to a series of climate-related disclosures in California. Proposals to delay compliance deadlines failed to pass during the state\u2019s recentlyconcluded legislative session and as a result, in-scope companies will be required to report under those laws as early as 2026 (unless pending legal challengessucceed).\nOther Regulation\nAs we continue to grow and evolve our business mix to cover other non-insurance-based products and services, we have and will continue to become subject toother legal and regulatory requirements, including regulations of the CFPB and other federal, state and municipal regulatory bodies, as well as additional regulatorybodies in non-U.S. jurisdictions. Examples include U.S. and local customs and trade regulations for the movement of mobile devices across geographic borders;health, safety, labor and environmental regulations, including those impacting our mobile supply chain operations; U.S. and international laws and regulationsbroadly relating to the performance, transparency and reporting of environmental, social and governance matters, including the SEC\u2019s proposed rules to enhanceclimate-related disclosures; U.S. and international laws and regulations relating to the use of artificial intelligence; and antitrust and competition-related laws andregulations that may impact future transactions or business practices.\nGlobal Risk Management\nGovernance\nWe employ a risk governance structure, overseen by our Board and senior management and led by the Global Risk Management function, to provide a commonframework for (i) evaluating the risks embedded in and across our businesses and functional areas, (ii) developing risk appetites, (iii) managing these risks, and (iv)identifying current and future risk challenges and opportunities.\nGlobal risk management is the responsibility of the Chief Marketing and Risk Officer (\u201cCMRO\u201d), who leads the Global Risk Management function.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5227, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "9e5e5649-95be-4561-9f29-1fee7fd794fc": {"__data__": {"id_": "9e5e5649-95be-4561-9f29-1fee7fd794fc", "embedding": null, "metadata": {"page_label": "20", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "56f8b831-8721-4099-89a7-c87d5f8125c8", "node_type": "4", "metadata": {"page_label": "20", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ffedc4bf6f4914efcae30cd3650d14d0247e89b7c87c2a4241e9ff3ddc9378d6", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "3bfaafe4-304b-485b-a86d-a504b48a73b4", "node_type": "1", "metadata": {"page_label": "20", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "2ef3eadc6d2e2e990117fc325634bcafa579072db8259643dd4bab416e34e1f2", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "TheCMRO reports directly to the CEO, reports at least quarterly to the Finance and Risk Committee of the Board and reports at least annually to the Board. OurEnterprise Risk Management Policy, which outlines our risk management framework and establishes principles for its effectiveness, has been approved by the Board.It is reviewed\n17", "mimetype": "text/plain", "start_char_idx": 5228, "end_char_idx": 5564, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "9104a377-79cc-4549-adbe-b0966bfefd43": {"__data__": {"id_": "9104a377-79cc-4549-adbe-b0966bfefd43", "embedding": null, "metadata": {"page_label": "21", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "53772c06-6998-426a-a5e1-7e36fbbd91b1", "node_type": "4", "metadata": {"page_label": "21", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "5d46ed7db1e7dd2ec4d908b07370749d94ac3960ec499d22b5e6aeac651e5d3b", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "annually to align with the Company\u2019s business operations and strategy, as well as changes to applicable laws, regulations and industry standards.\nOur risk management framework cascades downwards into the enterprise through various management risk committees. Our risk governance structure isheaded by the Enterprise Risk Committee, comprised of the CEO, the Chief Financial Officer, the CMRO, other members of the Management Committee, as well as\nthe Treasurer, the Chief Internal Auditor, and the Global Ethics and Compliance Officer. The Enterprise Risk Committee reviews the Company\u2019s key enterprise risks,\nsets and monitors risk appetite, and oversees mitigation and remediation plans.\nBoard of Directors and Committee Oversight\nThe Board, directly and through its committees as described in their charters, oversees our risk management policies and practices, including our risk appetite,and discusses risk-related issues at least quarterly. The Board reviews management\u2019s assessment of the Company\u2019s key enterprise risks and receives a corresponding\nrisk management update annually and management\u2019s strategy with respect to each risk.\nThe Nominating and Corporate Governance Committee coordinates Board and committee oversight of the key enterprise risks. The Board and its committeesreceive updates from management on specific risks throughout the year, and each committee chair reports significant risk updates at least quarterly to the full Boardso that the Board has the benefit of each committee\u2019s specific areas of risk oversight.\nThe Audit Committee reviews the Company\u2019s policies with respect to risk assessment and risk management and coordinates with the Finance and RiskCommittee with respect to Board oversight of risk management and global risk management activities. The Audit Committee also focuses on risks relating tofinancial statements, internal control over financial reporting, disclosures, and compliance with legal and regulatory requirements. The Audit Committee receivesreports at least quarterly from the Chief Internal Auditor and the Global Ethics and Compliance Officer.\nThe Finance and Risk Committee has primary oversight responsibility for the Global Risk Management function and corresponding risk activities. It receivesrisk management reports at least quarterly from the CMRO that include the identification, assessment, reporting, and mitigation of existing and emerging keyenterprise risks. The Finance and Risk Committee also focuses on risks relating to investments, capital management, and catastrophe reinsurance.\nThe Compensation and Talent Committee focuses on risks relating to management succession, talent management and compensation plan design. TheNominating and Corporate Governance Committee focuses on risks relating to director succession and has ultimate oversight responsibility for how we managesustainability.\nThe Information Technology Committee is responsible for oversight of information technology risk assessment and risk management. This includes oversightof cybersecurity policies, controls, and procedures, such as procedures to identify and assess internal and external cybersecurity risks. The Information TechnologyCommittee receives updates from management, including the Chief Information Security Officer, on internal and external cybersecurity risks at least quarterly.\nIn fulfilling its responsibilities, the Board and each committee have the authority to retain external advisors. We believe that the Board\u2019s leadership structuresupports the risk oversight function of the Board and its committees, with the Chair of the Board and the CEO uniquely positioned to identify emerging risks whilethe Board\u2019s five committees provide independent oversight of our risk management program within their purview.\nManagement Oversight\nGlobal Risk Management develops risk assessment and risk management policies, and facilitates the identification and assessment, monitoring and reporting,and mitigation of risks. The Company uses the three lines of defense operating model to provide structure around risk management and internal controls.\nThe first line of defense is comprised of the business and functional areas that are responsible for the daily management of Company\u2019s business operations andrelated risks. The second line of defense provides independent oversight of risk-taking activities in the first line and is comprised of the Company\u2019s Global Risk\nManagement and Compliance functions. The second line of defense assists in determining the risk appetite, strategies, policies, and structure for managing risk,including strategic and business risk, financial risk, and operational risk. The third line of defense is comprised of the Internal Audit function and is independentlygoverned by the Audit Committee. Internal Audit evaluates the effectiveness and adequacy of the Company\u2019s control environment and other components of ourgovernance system, including compliance with policies, procedures, and processes established in the first and second lines, and assesses the design and ongoingeffectiveness of risk management and the risk management framework.\nRisk Appetite, Identification and Assessment, Monitoring and Reporting, and Mitigation\n18", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5225, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "96ba9e56-c785-443d-86c4-922d8c631cb8": {"__data__": {"id_": "96ba9e56-c785-443d-86c4-922d8c631cb8", "embedding": null, "metadata": {"page_label": "22", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "37543e80-66e5-4d78-8ad0-a451111fb55e", "node_type": "4", "metadata": {"page_label": "22", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "a4323bfbab0ab61d84aa0365d4d41812949252941f639074c03e426376cbf924", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Risk appetite defines the levels, types, and amount of risk that the Company is willing to accept in the pursuit of its business and strategic objectives, consistentwith prudent management of risk concomitant with available levels of capital. Global Risk Management, in conjunction with various risk committees, develops\nrecommendations for risk limits as part of our risk appetite framework. Using metrics as appropriate in establishing these risk limits allows for a cohesive assessmentof risk, resources, and strategy, and supports management and the Board in making well-informed business decisions.\nRisk identification and assessment are performed by Global Risk Management and conducted in coordination with the second and third lines of defense. Risksare classified using an enterprise-wide risk taxonomy. Risk reporting provides tracking of each risk. Risk identification and assessment process feeds into reportingand serves to escalate any elevated or emerging risks for review and action. Risk reporting also includes reporting on the progress of key initiatives and riskmitigation activities. Risk mitigation includes determining a course of action and monitoring progress against remediation.\nAvailable Information \nOur Annual Reports on Form 10-K, Quarterly Reports on Form 10-Q, Current Reports on Form 8-K and all amendments to such reports filed or furnishedpursuant to Section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended (the \u201cExchange Act\u201d), as well as the Statements of Beneficial Ownership ofSecurities on Forms 3, 4 and 5 for our directors and officers, are available free of charge through the SEC website at www.sec.gov. We make our periodic reports andother information filed with or furnished to the SEC available, free of charge, through the Investor Relations page of our website (www.assurant.com) as soon asreasonably practicable after they are electronically filed with or furnished to the SEC.\nWe use our website (www.assurant.com) and social media accounts, including X (formerly Twitter) (@Assurant), LinkedIn (@Assurant) and Facebook(@Assurant), as a means of disclosing information about us and our services and for complying with our disclosure obligations under the SEC\u2019s Regulation FD (FairDisclosure). The information we post on our website and social media accounts may be deemed material. Accordingly, investors should monitor our website andsocial media accounts in addition to following our press releases, SEC filings, and public conference calls and webcasts. Except as specifically noted, theinformation found on our website and social media accounts are not incorporated by reference into, and do not constitute a part of, this Report or any other reportfiled with or furnished to the SEC.\nItem 1A. Risk Factors\nCertain factors may have a material adverse effect on our business, financial condition, results of operations and cash flows. You should carefully considerthem, along with the other information presented in this Report. It is not possible to predict or identify all such factors. Additional risks and uncertainties that are notyet identified or that we currently believe to be immaterial may also materially harm our business, financial condition, results of operations and cash flows.\nThe following is a summary of the material risks that could adversely affect our business, financial condition, results of operations and cash flows.\nBusiness, Strategic and Operational Risks\n\u2022 Our revenues and profits may decline if we are unable to maintain relationships with significant clients, distributors and other parties, or renew contracts withthem on favorable terms, or if those parties face financial, reputational or regulatory issues.\n\u2022 Significant competitive pressures, changes in customer preferences and disruption could adversely affect our results of operations.\n\u2022 The success of our business depends on the execution of our strategy, including through the continuing service of key executives, senior leaders, highly-skilledpersonnel and a high-performing workforce.\n\u2022 We may be unable to find suitable acquisition candidates at attractive prices, integrate acquired businesses or divest of non-strategic businesses effectively orachieve organic growth, which could have a material adverse effect on our business, financial condition and results of operations.\n\u2022 Our inability to successfully recover should we experience a business continuity event could have a material adverse effect on our business, financial conditionand results of operations.\n\u2022 Failure to successfully manage vendors and other third parties could adversely affect our business.\n\u2022 We face risks associated with our international operations.\n19", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4708, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "9a20504a-695c-4c7d-87c6-45520265c007": {"__data__": {"id_": "9a20504a-695c-4c7d-87c6-45520265c007", 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"7d54b3fc1510d4091f30c00fd93c226ec7b70cd243cc58ce5fd4018f84fd0173", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "\u2022 Our mobile business is subject to the risk of declines in the value and availability of mobile devices, and to regulatory compliance and other risks.\n\u2022 Sales of our products and services may decline if we are unable to develop and maintain distribution sources or attract and retain sales representatives andexecutives with key client relationships.\n\u2022 We face risks associated with joint ventures, franchises and investments in which we share ownership or management with third parties.\n\u2022 Catastrophe and non-catastrophe losses, including as a result of climate change and the current inflationary environment, could materially reduce our\nprofitability and have a material adverse effect on our results of operations and financial condition.\n\u2022 Negative publicity relating to our business, industry or clients may have a material adverse effect on our financial results.\nMacroeconomic, Political and Global Market Risks\n\u2022 General economic, financial market and political conditions and conditions in the markets in which we operate may materially adversely affect our results ofoperations and financial condition.\nFinancial Risks\n\u2022 Our actual claims losses may exceed our reserves for claims, requiring us to establish additional reserves or to incur additional expense for settling unreservedliabilities, which could have a material adverse effect on our results of operations, profitability and capital.\n\u2022 We may be unable to accurately predict and price for claims and other costs, which could reduce our profitability.\n\u2022 A decline in the financial strength ratings of our insurance subsidiaries could adversely affect our results of operations and financial condition.\n\u2022 A credit rating agency downgrade of our corporate senior debt rating could materially and adversely impact our business.\n\u2022 Fluctuations in the exchange rate of the U.S. Dollar and other foreign currencies may materially and adversely affect our results of operations.\n\u2022 An impairment of our goodwill or other intangible assets could materially adversely affect our results of operations and book value.\n\u2022 Failure to maintain effective internal control over financial reporting could have a material adverse effect on our business and stock price.\n\u2022 Unfavorable conditions in the capital and credit markets may significantly and adversely affect our access to capital and our ability to pay our debts orexpenses.\n\u2022 Our investment portfolio is subject to market risk, including changes in interest rates, that may adversely affect our results of operations and financialcondition.\n\u2022 Our investment portfolio is subject to credit, liquidity and other risks that may adversely affect our results of operations and financial condition.\n\u2022 The value of our deferred tax assets could become impaired, which could materially and adversely affect our results of operations and financial condition.\n\u2022 Reinsurance may not be adequate or available to protect us against losses, and we are subject to the credit risk of reinsurers.\n\u2022 Through reinsurance, we have sold or exited businesses that could again become our direct financial and administrative responsibility if the reinsurers becomeinsolvent.\n\u2022 We are exposed to risks related to the creditworthiness and reporting systems of some of our agents, third-party administrators and clients.\n\u2022 Our subsidiaries\u2019 inability to pay us sufficient dividends could prevent us from meeting our obligations and paying future stockholder dividends.\n\u2022 Our ability to declare and pay dividends on our capital stock may be limited.\n\u2022 Actual results may differ materially from the analytical models we use to assist in our decision-making in key areas such as pricing, catastrophe risks, reservingand capital management.\n20", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3726, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "5055d8f9-a9d8-47b4-a41a-6dcb6be39c66": {"__data__": {"id_": "5055d8f9-a9d8-47b4-a41a-6dcb6be39c66", "embedding": null, "metadata": {"page_label": "24", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d10e1451-cde3-4540-9431-244ab3ffc195", "node_type": "4", "metadata": {"page_label": "24", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "4eeb15b0f7bf8fbfbe5b1da1822f4d16f28a25a16752876e852e5db79a3a7e8e", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Technology, Cybersecurity and Privacy Risks\n\u2022 The failure to effectively maintain and modernize our technology systems and infrastructure and integrate those of acquired businesses could adversely affectour business.\n\u2022 We could incur significant liability if our technology systems or those of third parties are breached or we or third parties otherwise fail to protect the security ofdata residing on our respective systems, which could adversely affect our business and results of operations.\nLegal and Regulatory Risks\n\u2022 We are subject to extensive laws and regulations, which increase our costs and could restrict the conduct of our business, and violations or alleged violations ofsuch laws and regulations could have a material adverse effect on our reputation, business and results of operations.\n\u2022 Changes in tax laws and regulations could have a material adverse impact on our results of operations and financial condition.\n\u2022 Our business is subject to risks related to litigation and regulatory actions.\n\u2022 The costs of complying with, or our failure to comply with, U.S. and foreign laws related to privacy, data security and data protection could adversely affectour financial condition, operating results and reputation.\n\u2022 Our business is subject to risks related to reductions in the insurance premium rates we charge.\n\u2022 Changes in insurance regulation may reduce our profitability and limit our growth.\nGeneral Risk Factors\n\u2022 Our common stock may be subject to stock price and trading volume volatility.\n\u2022 Employee misconduct could harm us by subjecting us to significant legal liability, regulatory scrutiny and reputational harm.\n\u2022 Applicable laws and our certificate of incorporation and by-laws may discourage takeovers and business combinations that some stockholders might considerto be in their best interests.\nFor a more complete discussion of these risks, please see below.\nBusiness, Strategic and Operational Risks\nOur revenues and profits may decline if we are unable to maintain relationships with significant clients, distributors and other parties, or renew contracts withthem on favorable terms, or if those parties face financial, reputational or regulatory issues.\nThe success of our business depends largely on our relationships and contractual arrangements with significant clients, distributors and other parties, includingvendors. Many of these arrangements are exclusive and some rely on preferred provider or similar relationships. If our key clients, distributors or other partiesterminate important business arrangements with us, reduce their business with us or renew contracts on terms less favorable to us, which occurs from time to time,we may fail to meet our business objectives and targets, and our cash flows, results of operations and financial condition could be materially adversely affected.\nEach of our Global Lifestyle and Global Housing segments receives a substantial portion of its revenues from a few clients. A reduction in business with or theloss of one or more of our significant clients could have a material adverse effect on the results of operations and cash flows of individual segments or the Company.Reliance on a few significant clients may weaken our bargaining power, and we may be unable to renew contracts with them without concessions (including up-frontpayments) or on favorable terms or at all. Examples of important business arrangements include, in Global Lifestyle, exclusive and non-exclusive relationships withmobile service providers (including carriers, retailers, OEMs and cable operators), dealerships and agents, consumer electronics retailers, appliance retailers(including e-commerce retailers), and financial, insurance and other institutions through which we distribute our products and services. In Global Housing, we haveexclusive and non-exclusive relationships with mortgage lenders and servicers, manufactured housing lenders, property managers, and financial, insurance and otherinstitutions.\nWe are subject to the risk that clients, distributors and other parties may face financial difficulties (including as a result of macroeconomic challenges),reputational issues, problems with respect to their own products and services, or regulatory restrictions or compliance issues that may lead to lower than expected orcessation of sales of our products and services and have other adverse impacts on our results of operations or financial condition. In addition, our clients and otherparties with whom we do business may change their strategic priorities or initiatives, including exiting or deprioritizing products, services, programs, distributionchannels or lines of business that we service or support. They may disintermediate us by developing internal capabilities, products or services that would allow themto service their clients without our involvement, which has\n21", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4869, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "3e605d2f-2676-439d-9606-89e07c716e3c": {"__data__": {"id_": "3e605d2f-2676-439d-9606-89e07c716e3c", "embedding": null, "metadata": {"page_label": "25", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "4feea6f9-c588-4d8f-b21a-2b126da4ff69", "node_type": "4", "metadata": {"page_label": "25", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "29158604ff9baa821f4813215ce0fa37d265a047be47db846d669d975c21d40e", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "c6e7095a-65f6-443a-b402-bad02269d041", "node_type": "1", "metadata": {}, "hash": "70f1afc2577a274ccec69b9aaea26dabce64e7eeab9a5c95db000a300da03121", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "occurred from time to time and may materially reduce our revenues and profits. Furthermore, if one or more of our clients or distributors, for example in the mobile,automotive or mortgage servicing markets, consolidate or align themselves with other companies with whom we do not do business, they may choose to utilize ordistribute the products and services of our competitors, which has occurred from time to time and could materially reduce our revenues and profits.\nSignificant competitive pressures, changes in customer preferences and disruption could adversely affect our results of operations.\nWe compete for business, clients, customers, agents and other distribution relationships with many insurance companies, warranty and protection companies,financial services companies, mobile device repair and logistics companies, technology and software companies and specialized competitors that focus on onemarket, product or service. Some of our competitors may offer a broader array of products and services than we do or be better able to tailor those products andservices to customer needs, including through better technology systems or infrastructure, or may have greater diversity of distribution resources, better brandrecognition, more competitive pricing, lower costs, greater financial strength, more resources or higher ratings.\nThere is a risk that clients or customers may be able to obtain more favorable terms and offerings from competitors, vendors or other third parties, includingpricing and technology. Additionally, customers may turn to our competitors as a result of our or our client\u2019s failure, or perceived failure, to deliver on customerexpectations, product or service flaws, technology issues, gaps in operational support or other issues affecting customer experience. As a result, competition mayadversely affect the persistency of our policies, our ability to sell products and provide services, maintain client relationships (including significant clients), and ourrevenues and results of operations, which has occurred from time to time.\nTo remain competitive in many of our businesses, we must anticipate and respond effectively to changes in customer preferences, new industry standards,evolving distribution models, disruptive technology developments and alternate business models. The evolving nature of consumer needs and preferences andimprovements in technology could result in a reduction in consumer demand and in the prices of the products and services we offer. Our competitive position may beimpacted if we are unable to deploy, in an effective, compliant and competitive manner, technology such as artificial intelligence and machine learning, or if ourcompetitors collect and use data that we do not have the ability to access or use. In addition, across many of our businesses, we must respond to the threat ofdisruption by traditional players, such as insurers, as well as from new entrants, such as \u201cInsurtech\u201d start-up companies and others. These players are focused onusing technology and innovation to simplify and improve the customer experience, increase efficiencies, alter business models and effect other potentially disruptivechanges in the markets in which we operate. To maintain a competitive position, we must continue to invest in new technologies and new ways to deliver ourproducts and services. If we do not anticipate and respond effectively to changes in customer preferences, new industry standards, evolving distribution models,disruptive technology developments and alternative business models, our business and results of operations could be adversely impacted.\nThe success of our business depends on the execution of our strategy, including through the continuing service of key executives, senior leaders, highly-skilledpersonnel and a high-performing workforce.\nOur strategy is focused on delivering long-term profitable growth. As part of our strategy, we are developing new and innovative products and services andenhancing existing offerings. We are investing in technology, including artificial intelligence, and other capabilities (such as our new Innovation and Device CareCenter) to continuously improve the customer and employee experience, while seeking to increase efficiency. We will continue to incur expenses related to, amongother things: investments in digital capabilities and large-scale, critical programs, such as technology systems and infrastructure; research and development of newproducts and capabilities; scaling our global operations, including accessing the global talent hubs such as through our Global Capability Centers; costs associatedwith the implementation of new contracts and businesses in runoff or which we have exited or which we expect to fully exit, including sharing economy; andimprovements in operational efficiency. In recent years, we announced restructuring initiatives that include realigning our organizational structure and talent tosupport our business strategy, and accelerating ongoing real estate consolidation efforts to support work-from-home arrangements. Actual costs to implement theseinitiatives may exceed our estimates and we may not be able to fully realize our expected run rate savings and operational efficiency improvements. Our long-termstrategy depends on successful operational execution and our ability to execute on our growth initiatives, including acquisitions and investments in organic growth,combined with our ability to innovate and develop new products, achieve operating efficiencies, and attract and retain a global workforce.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5586, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "c6e7095a-65f6-443a-b402-bad02269d041": {"__data__": {"id_": "c6e7095a-65f6-443a-b402-bad02269d041", "embedding": null, "metadata": {"page_label": "25", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "4feea6f9-c588-4d8f-b21a-2b126da4ff69", "node_type": "4", "metadata": {"page_label": "25", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "29158604ff9baa821f4813215ce0fa37d265a047be47db846d669d975c21d40e", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "3e605d2f-2676-439d-9606-89e07c716e3c", "node_type": "1", "metadata": {"page_label": "25", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "024ca3b68a96219f6f655754b9a8d2453b4f4f61fb55cdb488abc86038de5647", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "See \u201c \u2013 We may be unableto find suitable acquisition candidates at attractive prices, integrate acquired businesses or divest of non-strategic businesses effectively or achieve organic growth,which could have a material adverse effect on our business, financial condition and results of operations.\u201d\nWe rely on the continued service of key executives, senior leaders, highly-skilled personnel and a high-performing workforce to achieve our long-term strategy.We believe that our future success depends in substantial part on our ability to attract, recruit, motivate, develop and retain a high-performing workforce, particularlythose with specialized industry knowledge or within critical or in-demand areas such as sales, digital, customer experience, data and analytics, AI and supply chain,across our lines of businesses. Doing so may be difficult due to many factors, including fluctuations in economic and industry conditions; employee expectations; theeffectiveness of our talent strategies and total rewards and wellbeing programs;\n22", "mimetype": "text/plain", "start_char_idx": 5587, "end_char_idx": 6628, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "5a0a5936-53b2-4e8a-8f23-70d104b6c533": {"__data__": {"id_": "5a0a5936-53b2-4e8a-8f23-70d104b6c533", "embedding": null, "metadata": {"page_label": "26", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "2b14296c-db5c-4663-a16c-f51d9f4e2c0e", "node_type": "4", "metadata": {"page_label": "26", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "bd54dca85d44b9c44acf063e154b51a182e271189fe02983c795140274e1fcec", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "9c6d2dcb-5d1c-4c14-ae37-d4f43cdbc82b", "node_type": "1", "metadata": {}, "hash": "e17d33ba0bdc672ca4f6c8444481f7880fc7edf1d73b1c4e6373f12ac8f7bf96", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "and fluctuations in the labor market, including rising wages and competition for talent, which has generally increased due to labor shortages and wage inflation. Inaddition, the global talent market and shift to remote or hybrid work arrangements at many companies, including ours, have significantly increased competition forhighly-skilled personnel, who are no longer limited to opportunities within a particular geographic area, and may decrease employee engagement. We rely onattracting, retaining and developing talent, including at the executive level, with diverse backgrounds and experiences to effectively manage our businesses and driveour long-term strategy. If we do not succeed in attracting, retaining and developing key talent, our revenue growth and profitability may be materially adverselyaffected. Furthermore, our business and results of operations could be adversely affected if we fail to adequately plan for and successfully carry out the succession ofour key executives and senior leaders.\nWe may be unable to find suitable acquisition candidates at attractive prices, integrate acquired businesses or divest of non-strategic businesses effectively orachieve organic growth, which could have a material adverse effect on our business, financial condition and results of operations.\nThere can be no assurance that we will continue to be able to identify suitable acquisition candidates or new venture opportunities, or to finance or completetransactions on acceptable terms or in a timely manner. Additionally, the integration of acquired businesses and divestiture of non-strategic businesses or assets mayresult in significant challenges and additional costs, and we may be unable to accomplish such transactions efficiently or effectively.\nAcquisitions of businesses and divestitures of non-strategic businesses may not provide us with the benefits that we anticipate, may require significant effortand expenditures, and may entail numerous risks, difficulties and uncertainties. These include, among others, diversion of management\u2019s attention and resources tothe integration of operations and infrastructure, which could otherwise have been devoted to other strategic opportunities; inaccurate assessment of risks andliabilities; difficulties in realizing projected revenues, earnings, cash flows, business opportunities, growth prospects, efficiencies, synergies and cost savings,including the incurrence of unexpected integration, compliance or divestiture costs; difficulties in keeping existing customers and obtaining new customers; exposureto jurisdictions or businesses with heightened legal and regulatory risks, including corruption, which may increase compliance costs; difficulties in integratingoperations and systems, including cybersecurity and other technology systems, and internal control over financial reporting; difficulties in assimilating employeesand corporate cultures; an increase in our indebtedness or future borrowing costs; and limitations on our ability to access additional capital when needed. Our failureto adequately address these and other transaction risks, difficulties and uncertainties could materially adversely affect our results of operations and financialcondition.\nThe market price of our stock may decline if we are unable to integrate acquired businesses or divest of non-strategic businesses successfully, if the integrationor divestiture takes longer than expected or fails to achieve financial benefits to the extent anticipated by financial analysts or investors, or if the effect of thebusiness combination on the financial results of the combined company or the divestiture on the financial results of the standalone company is otherwise notconsistent with the expectations of financial analysts or investors.\nOur ability to effectively identify and capitalize on opportunities for organic growth depends on, among other things, our ability to: deliver on customerexpectations and provide a positive customer experience; successfully execute large-scale, critical programs and projects in a timely and cost-effective manner;identify and successfully enter and market our services in new geographic markets and market segments; recruit and retain qualified personnel; coordinate our effortsacross various geographic markets and market segments; maintain and grow relationships with our existing customers and expand our customer base; offer newproducts and services; form strategic alliances and partnerships; secure key vendor and distributor relationships; and access sufficient capital. There can be noassurance that we will be successful in executing on our organic growth initiatives or that those initiatives will provide us with the expected benefits. Our failure toeffectively identify and capitalize on opportunities for organic growth could have a material adverse effect on our results of operations and financial condition. See \u201c\u2013 The success of our business depends on the execution of our strategy, including through the continuing service of key executives, senior leaders, highly-skilledpersonnel and a high-performing workforce.\u201d\nOur inability to successfully recover should we experience a business continuity event could have a material adverse effect on our business, financial conditionand results of operations.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5312, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "9c6d2dcb-5d1c-4c14-ae37-d4f43cdbc82b": {"__data__": {"id_": "9c6d2dcb-5d1c-4c14-ae37-d4f43cdbc82b", "embedding": null, "metadata": {"page_label": "26", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "2b14296c-db5c-4663-a16c-f51d9f4e2c0e", "node_type": "4", "metadata": {"page_label": "26", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "bd54dca85d44b9c44acf063e154b51a182e271189fe02983c795140274e1fcec", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "5a0a5936-53b2-4e8a-8f23-70d104b6c533", "node_type": "1", "metadata": {"page_label": "26", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "649c4d18cfb6dc7573370a5beca3589c5a7e1c1d2999f63cd40560ace4e352be", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "If we experience a business continuity event, such as an earthquake, hurricane, flood, terrorist incident, pandemic, security breach, cybersecurity incident,power loss, telecommunications outage or other systems failure, or other disaster, our ability to continue operations will depend on an effective business continuityand disaster recovery plan, including the safety and continued availability of our personnel including key executives, vendors and other third parties, and the properfunctioning of our telecommunications and other systems and operations, including our device care centers and other facilities. An extended period of suchconditions may strain our business continuity and disaster recovery plan, introduce additional operational risk, including cybersecurity and fraud risks, negativelyimpact employee morale, result in negative publicity, reputational harm and the loss of profitability and clients. Our inability to successfully recover from a businesscontinuity event could have a material adverse effect on our business, financial condition and results of operations. See \u201c \u2013 Technology, Cybersecurity and Privacy\n23", "mimetype": "text/plain", "start_char_idx": 5313, "end_char_idx": 6453, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "762c9eed-6108-4a51-8a36-4cc0e486567f": {"__data__": {"id_": "762c9eed-6108-4a51-8a36-4cc0e486567f", "embedding": null, "metadata": {"page_label": "27", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "5a103e91-6261-4675-b596-f32efb8d4753", "node_type": "4", "metadata": {"page_label": "27", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "86436bde16520062ec9bb58691b0995052f36db9083cf3a469100ca71e250731", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "670fbb4d-bf68-4255-afd2-8e93384d8cf0", "node_type": "1", "metadata": {}, "hash": "fa3f9d89dde40ba1e426bff71797945e8f1f4e70573eaccbef94106dbd28712b", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Risks \u2013 The failure to effectively maintain and modernize our technology systems and infrastructure and integrate those of acquired businesses could adverselyaffect our business.\u201d\nOur operations depend upon our ability to protect our technology infrastructure against damage and interruption. If a business continuity event occurs, wecould lose Company, customer, vendor and other third-party data, lose significant processing capability, or experience interruptions to our operations, the availabilityof our systems or delivery of products and services to our clients and their customers, which has occurred from time to time and which could have a material adverseeffect on our business, financial condition and results of operations. We rely on certain third-party technology systems that have in the past experienced a businesscontinuity event, which impacted our operations. A cybersecurity incident or other business continuity event affecting us or key third parties with whom we workcould result in a significant and extended disruption in the functioning of our technology systems or operations, requiring us to incur significant expense to addressand remediate or otherwise resolve such issues, and divert management\u2019s attention. See \u201c \u2013 Technology, Cybersecurity and Privacy Risks \u2013 We could incursignificant liability if our technology systems or those of third parties are breached or we or third parties otherwise fail to protect the security of data residing on ourrespective systems, which could adversely affect our business and results of operations.\u201d\nThe risk of business disruption is more pronounced in certain geographic areas across the world, including the cities in which our device care centers, datacenters and operations personnel are located; major metropolitan centers, such as Atlanta, where our headquarters is located; and certain catastrophe-prone areas,such as Miami, Florida, where we have significant operations. This risk is heightened in certain countries and regions in which we operate that are subject to higherpotential threat of terrorist incidents, military conflicts, political instability and data breaches.\nA disaster or other business continuity event on a significant scale or affecting our key businesses or our data centers, or our inability to successfully andquickly recover from such an event and any legislative and regulatory responses thereto, could materially interrupt our business operations and result in materialfinancial loss, loss of human capital, regulatory actions, reputational harm, loss of clients and their customers or damaged relationships, legal liability and otheradverse consequences. Our liability insurance policies may not fully cover, in type or amount, the cost of a successful recovery in the event of such a disruption.\nFailure to successfully manage vendors and other third parties could adversely affect our business.\nAs we continue to improve operating efficiencies, we rely on vendors and other third parties, including independent contractors, to conduct business andprovide services to our clients. We use vendors and other third parties for business, investment management, technology, operations, facilities management and otherservices. We take steps to monitor and regulate the performance of vendors and other third parties, including in our agreements with such parties, but our oversightcontrols could prove inadequate. Since we do not fully control the actions of vendors and other third parties, we are subject to the risk that their decisions oroperations adversely impact us and replacing them could create significant delay and expense. If these vendors or other third parties fail to satisfy their obligations tous or if they fail to comply with legal or regulatory requirements in a high-quality and timely manner, our operations and reputation could be compromised, we maynot realize the anticipated economic and other benefits from these arrangements, and we could suffer adverse legal, regulatory and financial consequences. Inaddition, these third parties face their own technology, operating, business and economic risks, and any significant failures by them, including the improper use ordisclosure of our confidential client, employee or Company information or failure to comply with applicable law, could cause harm to our reputation or otherwiseexpose us to liability. An interruption in or the cessation of service by any service provider as a result of systems failures, capacity constraints, financial difficultiesor for any other reason has occurred from time to time and could materially disrupt our operations, impact our ability to offer certain products and services and resultin contractual or regulatory penalties, liability claims from clients or employees, damage to our reputation and harm to our business. If we are unable to attract andretain relationships with qualified vendors, independent contractors and other third-party service providers, or if changes in law or judicial decisions requireindependent contractors to be classified as employees, our business could be significantly adversely affected.\nTo the extent we engage international vendors or third parties to provide services or carry out business functions, we are exposed to the risks that accompanyoperations in a foreign jurisdiction, including international economic and political conditions, foreign laws and regulations, fluctuations in currency values andincreased risk of data breaches. For more information on the risks associated with the use of international vendors and third parties, see \u201c \u2013 We face risks associatedwith our international operations.\u201d\nWe face risks associated with our international operations.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5717, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "670fbb4d-bf68-4255-afd2-8e93384d8cf0": {"__data__": {"id_": "670fbb4d-bf68-4255-afd2-8e93384d8cf0", "embedding": null, "metadata": {"page_label": "27", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "5a103e91-6261-4675-b596-f32efb8d4753", "node_type": "4", "metadata": {"page_label": "27", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "86436bde16520062ec9bb58691b0995052f36db9083cf3a469100ca71e250731", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "762c9eed-6108-4a51-8a36-4cc0e486567f", "node_type": "1", "metadata": {"page_label": "27", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "12cddfb33f35f6a86a1a35a59324256a9ab2aad1105bb217333b1a62e8c9d2c7", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Our international operations face economic, political, legal, compliance, regulatory, operational, supply chain and other risks. For example, we face the risk ofthe imposition of sanctions, tariffs, trade barriers or other protectionist laws or business practices that favor local competition (including from the United States),increase costs and may otherwise adversely affect our business; inflation and foreign exchange rate fluctuations; restrictions on currency conversion and therepatriation of non-U.S. investments and earnings; burdens and costs of compliance with a variety of foreign laws and regulations and the associated\n24", "mimetype": "text/plain", "start_char_idx": 5718, "end_char_idx": 6354, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "b8eaf290-ffd0-4973-acf8-1833369dfdd6": {"__data__": {"id_": "b8eaf290-ffd0-4973-acf8-1833369dfdd6", "embedding": null, "metadata": {"page_label": "28", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "6281a2c8-c4da-4b8b-a427-c925887be585", "node_type": "4", "metadata": {"page_label": "28", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "aceecaf2e1d7a0d524ab1f252043ed93e1095d9a37d1de419329dbd75db839b7", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "360f2f94-13e9-4fec-913f-e2a4aa4c4e34", "node_type": "1", "metadata": {}, "hash": "438caf3896b6170c00a6d5bdcf33afcd5ea4005e1f114034690f0b802c0ff6d9", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "risk and costs of non-compliance, including reputational harm; exposure to undeveloped or evolving legal systems, which may result in unpredictable or inconsistentapplication of laws and regulations, including export controls and exposure to commercial, political, legal or regulatory risks such as corruption; political, economicor other instability in countries in which we conduct business, including possible terrorist acts; diminished ability to enforce our contractual rights; increased risk ofdata breaches; differences in cultural environments; changes in regulatory requirements, including changes in regulatory treatment of certain products or services;exposure to local economic conditions and its impact on our clients\u2019 performance and creditworthiness; and a competitive global labor market.\nIf our business model is not successful in a particular country or region, or a country or region in which we do business experiences economic, political or otherinstability, we may lose all or part of our investment in that country or region. As we continue to scale our global operations and grow our international labor forcewithin Global Capability Centers, our business becomes increasingly exposed to these and other risks, including where certain countries or regions have experiencedeconomic or political instability.\nAs we engage with international clients, we may make certain up-front commission payments or similar cash outlays, which we may not recover if the businessdoes not develop as we expect. These up-front payments are typically supported by various protections, such as letters of credit, letters of guarantee and real estate,but we may not fully or timely recover amounts owed to us as a result of difficulties in enforcing contracts or judgments in undeveloped or evolving legal systemsand other factors. In addition, we rely on fronting carriers in certain countries to maintain their licenses and product approvals, satisfy local regulatory requirementsand continue in business. If they fail to do so, our business, reputation, and relationships with our clients and their customers could be adversely affected.\nFor additional information on the significant international regulations that apply to us and the risks relating thereto, see \u201cItem 1 \u2013 Business \u2013 Regulation \u2013 International Regulation\u201d in this Report, \u201c \u2013 Business, Strategic and Operational Risks \u2013 Our mobile business is subject to the risk of declines in the value and\navailability of mobile devices, and to regulatory compliance and other risks,\u201d \u201c \u2013 Legal and Regulatory Risks \u2013 We are subject to extensive laws and regulations,\nwhich increase our costs and could restrict the conduct of our business, and violations or alleged violations of such laws and regulations could have a materialadverse effect on our reputation, business and results of operations,\u201d \u201c \u2013 Legal and Regulatory Risks \u2013 Our business is subject to risks related to litigation andregulatory actions\u201d and \u201c \u2013 Legal and Regulatory Risks \u2013 The costs of complying with, or our failure to comply with, U.S. and foreign laws related to privacy, datasecurity and data protection could adversely affect our financial condition, operating results and reputation..\u201d\nOur mobile business is subject to the risk of declines in the value and availability of mobile devices, and to regulatory compliance and other risks.\nThe value of the mobile devices that we collect and refurbish for our clients may fall below the prices we have paid or guaranteed, which could adversely affectour profitability. Our mobile business is subject to the risk that the value, including selling price, or availability of devices and parts will be adversely affected by:technological changes affecting the usefulness or desirability of the devices and parts; physical problems resulting from faulty design or manufacturing; increasedcompetition; decreased customer demand, including due to changes in customer preferences, changes in client promotions and seasonality; supply chain constraints;and growing industry emphasis on cost containment. The value and availability of devices may also be impacted by adverse foreign trade relationships and anescalation of U.S.-China and China-Taiwan trade tensions, including with respect to trade policies, treaties, government relations, tariffs and other trade restrictions.If the value or availability of devices or parts is significantly reduced, it could have a material adverse effect on our profitability.\nOur sales of mobile devices to third parties subject us to regulatory compliance risk, which may subject us to fines or other sanctions, and increase the costs ofoperating the business, including compliance expenses. While we conduct diligence and screening for buyers of mobile devices that we sell, and we change buyers inour program based on diligence reviews, our mobile device buyers may not comply with applicable laws and regulations, including anti-money laundering laws. Inaddition, our sales of mobile devices to third parties domiciled outside of the U.S. subject us to compliance risks relating to corruption, sanctions and export controllaws and regulations, which may adversely impact our ability to find buyers. Furthermore, certain businesses we acquire may violate, and from time to time have\nviolated, such laws and regulations, which could subject us to liability.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5372, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "360f2f94-13e9-4fec-913f-e2a4aa4c4e34": {"__data__": {"id_": "360f2f94-13e9-4fec-913f-e2a4aa4c4e34", "embedding": null, "metadata": {"page_label": "28", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "6281a2c8-c4da-4b8b-a427-c925887be585", "node_type": "4", "metadata": {"page_label": "28", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "aceecaf2e1d7a0d524ab1f252043ed93e1095d9a37d1de419329dbd75db839b7", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "b8eaf290-ffd0-4973-acf8-1833369dfdd6", "node_type": "1", "metadata": {"page_label": "28", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "0a23315ae47f3efa8713f71e678b2d3ee25c40726f856b16be2fc84763f8c087", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Non-compliance with such laws could adversely affect our business, reputation, relationships\nwith our clients and their customers, financial condition and results of operations. See \u201c \u2013 We face risks associated with our international operations\u201d and \u201c \u2013Significant competitive pressures, changes in customer preferences and disruption could adversely affect our results of operations.\u201d\nSales of our products and services may decline if we are unable to develop and maintain distribution sources or attract and retain sales representatives andexecutives with key client relationships.\nWe distribute many of our insurance products and services through a variety of channels, including service providers (such as device carriers and cableoperators), financial institutions, mortgage lenders and servicers, retailers, association groups,\n25", "mimetype": "text/plain", "start_char_idx": 5373, "end_char_idx": 6209, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "05384fe2-297e-467c-b07c-4b92092c4d88": {"__data__": {"id_": "05384fe2-297e-467c-b07c-4b92092c4d88", "embedding": null, "metadata": {"page_label": "29", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "48d87d34-243b-449f-a4e5-502431aee3fa", "node_type": "4", "metadata": {"page_label": "29", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "59cac0c52d794ce7b6663c1145a42a169bd966f94e980ae6f42357b1417412de", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "deda47f9-5185-4f14-88d8-ad7ff3d0cdd4", "node_type": "1", "metadata": {}, "hash": "2cd8300f6642ef800ee0ed11eede89592aae5b5a864354d38a6683348f3116de", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "other third-party marketing organizations and, to a limited extent, our own captives and affiliated agents. Our relationships with these distributors are significant forour revenues and profits. There is intense competition for distribution outlets. Agents who distribute our products are typically not exclusively dedicated to us, butthey also market the products of our competitors. In some cases, such agents may be affiliated with other insurers who may choose to write the product that suchagents are now selling on our behalf.\nWe have our own sales representatives. We depend in large part on our sales representatives and business executives to develop and maintain clientrelationships. Our inability to attract and retain effective sales representatives and executives with key client relationships could materially adversely affect ourresults of operations and financial condition.\nWe face risks associated with joint ventures, franchises and investments in which we share ownership or management with third parties.\nFrom time to time, we have entered into and may continue to enter into joint ventures and franchises and invest in entities in which we share ownership ormanagement with third parties. In certain circumstances, we may not have complete control over governance, financial reporting, operations, legal and regulatorycompliance, or other matters relating to such joint ventures, franchises or entities. As a result, we may face certain operational, financial, legal and regulatorycompliance and other risks relating to these joint ventures, franchises and entities, including risks related to the financial strength of joint venture partners,franchisees and other investors; the willingness of joint venture partners, franchisees and other investors to provide adequate funding for the joint venture, franchiseor entity; differing goals, strategies, priorities or objectives between us and joint venture partners, franchisees or other investors; our inability to unilaterallyimplement actions, policies or procedures with respect to the joint venture, franchise or entity that we believe are favorable; legal and regulatory compliance risksrelating to actions of the joint venture, franchise, entity, joint venture partners, franchisees or other investors; the risk that the actions of joint venture partners,franchisees and other investors could damage our brand image and reputation; and the risk that we will be unable to resolve disputes with joint venture partners,franchisees or other investors. As a result, joint ventures, franchises and investments in which we share ownership or management subject us to risk and maycontribute significantly less than anticipated to our earnings and cash flows.\nCatastrophe and non-catastrophe losses, including as a result of climate change and the current inflationary environment, could materially reduce ourprofitability and have a material adverse effect on our results of operations and financial condition.\nOur insurance operations expose us to claims arising from catastrophes and other events, particularly in our homeowners insurance, renters insurance and floodofferings, as well as in certain businesses the Company has fully exited or expects to fully exit, including sharing economy. Catastrophes include hurricanes,windstorms, tornados, earthquakes, hailstorms, floods, severe winter weather, wildfires, terrorist incidents and accidents, and may result in reportable catastrophelosses, which are individual catastrophe events that generate losses in excess of $5.0 million, pre-tax, net of reinsurance and client profit sharing adjustments, andincluding reinstatement and other premiums. Non-catastrophe losses include losses from isolated fire, water and wind damage, theft and vandalism, as well asgeneral liability in renters and homeowners policies, and losses from sharing economy. Losses are impacted by increases in inflation and supply chain disruptionsthat increase the cost of materials and labor required to settle claims, primarily in our Global Housing business. In addition, non-catastrophe losses related to thesharing economy business in particular have been, and may continue to be, impacted by increased claim settlement and loss adjustment expenses. We haveexperienced, and expect to continue to experience, catastrophe and non-catastrophe losses that materially reduce our profitability and impact our available capital,which may have a material adverse effect on our results of operations and financial condition.\nChanging weather patterns and climate change have increased the unpredictability, frequency and severity of weather-related events, such as wildfires,hurricanes, floods and tornadoes, particularly in coastal areas such as Florida, California and Texas, and may result in increased claims and higher catastrophe losses,which could have a material adverse effect on our results of operations and financial condition. Regulation in the area of climate change is increasing and we cannotpredict how legal, regulatory, political and social responses to concerns around climate change may impact our business. While the frequency and severity ofcatastrophes are inherently unpredictable, increases in the value and geographic concentration of insured property and the effects of inflation have and may continueto increase the frequency and severity of claims from catastrophes.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5388, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "deda47f9-5185-4f14-88d8-ad7ff3d0cdd4": {"__data__": {"id_": "deda47f9-5185-4f14-88d8-ad7ff3d0cdd4", "embedding": null, "metadata": {"page_label": "29", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "48d87d34-243b-449f-a4e5-502431aee3fa", "node_type": "4", "metadata": {"page_label": "29", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "59cac0c52d794ce7b6663c1145a42a169bd966f94e980ae6f42357b1417412de", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "05384fe2-297e-467c-b07c-4b92092c4d88", "node_type": "1", "metadata": {"page_label": "29", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "efedd8178e02a689551fcc4f48963fa2ea165d94c4f8e8cd81934d0c0fb80ca7", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "In addition, legislative and regulatory initiatives and court decisions may have the effect oflimiting the ability of insurers to manage catastrophe losses, including by forcing expansion of certain insurance coverages for catastrophe claims, which mayadversely impact our business. See \u201c \u2013 Macroeconomic, Political and Global Market Risks \u2013 General economic, financial market and political conditions andconditions in the markets in which we operate may materially adversely affect our results of operations and financial condition.\u201d\nCatastrophe and non-catastrophe losses can vary widely and could significantly exceed our expectations. We use modeling tools that help estimate our probablelosses, but these projections are based on historical data and other assumptions that may differ materially from actual events, and their reliability and predictive valuemay decrease as a result of climate\n26", "mimetype": "text/plain", "start_char_idx": 5389, "end_char_idx": 6289, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "c63b746a-fd35-408f-95d9-20889c401a60": {"__data__": {"id_": "c63b746a-fd35-408f-95d9-20889c401a60", "embedding": null, "metadata": {"page_label": "30", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "0631abdd-e6c0-4ac5-a74a-42f888bfd82c", "node_type": "4", "metadata": {"page_label": "30", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f5c54e27ded8c0c506424c91c08b2d21ade118f8b656e556461347b717567db1", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "67aaed3a-b52e-44b0-bafb-75655880cacd", "node_type": "1", "metadata": {}, "hash": "48905d8cbdcfc7e9d97c35834796c3372fdf9e8d51675e9a9bf35bf89b1bbb69", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "change. These modeling tools may not be able to anticipate emerging trends or changing marketplace conditions. See \u201c \u2013 Financial Risks \u2013 Actual results may differmaterially from the analytical models we use to assist in our decision-making in key areas such as pricing, catastrophe risks, reserving and capital management.\u201d\nWe purchase reinsurance for certain risks, but if the severity of an event were sufficiently high, our losses could exceed our reinsurance coverage limits andcould have a material adverse effect on our results of operations and financial condition. In addition, the availability and cost of reinsurance can be adverselyimpacted by market conditions. See \u201c \u2013 Financial Risks \u2013 Reinsurance may not be adequate or available to protect us against losses, and we are subject to the creditrisk of reinsurers.\u201d In addition, claims from catastrophe and non-catastrophe events could result in substantial volatility in our results of operations and financialcondition for any particular fiscal quarter or year.\nAccounting rules do not permit insurers to reserve for catastrophe or non-catastrophe events before they occur. Once such an event occurs, the establishment ofappropriate reserves is an inherently uncertain and complex process. The ultimate cost of losses may vary materially from recorded reserves and such variance mayhave a material adverse effect on our results of operations, financial condition and capital. See \u201c \u2013 Financial Risks \u2013 Our actual claims losses may exceed ourreserves for claims, requiring us to establish additional reserves or to incur additional expense for settling unreserved liabilities, which could have a materialadverse effect on our results of operations, profitability and capital.\u201d\nBecause Global Housing\u2019s lender-placed homeowners and lender-placed manufactured housing insurance products are designed to automatically provideproperty coverage for client portfolios, our exposure to certain catastrophe-prone locations, such as Florida, California and Texas, may increase. The withdrawal ofother insurers from these or other states may lead to adverse selection and increased use of our products in these areas, and it may negatively affect our lossexperience and increase our costs.\nNegative publicity relating to our business, industry or clients may have a material adverse effect on our financial results.\nWe communicate with and distribute our products and services ultimately to individual customers. From time to time, regulators, consumer advocacy groups,the media and individual customers may focus their attention on our products and services, or on the broader industries in which we operate, which may subject us tonegative publicity. We may be negatively affected if another company in one of our industries or in a related industry, or if one of our clients, engages in practicesthat subject our industry or businesses to negative publicity. Negative publicity may result from judicial inquiries, unfavorable outcomes in lawsuits, social media,regulatory or governmental actions with respect to our products or services and industry commercial practices. For example, regulators may submit queries to assesspractices in the insurance sector that potentially disadvantage people of color or historically underrepresented groups in certain insurance lines of business, orwhether customers have received fair value from our products and services. In addition, there is increased stakeholder and regulatory focus on sustainability matters,including workforce inclusion and efforts related to climate. A failure or perceived failure in our achievement of various sustainability initiatives and goals weannounce from time to time, or an actual or perceived increase in related risks as a result of our or our industry\u2019s business activities, may subject us to negativepublicity. As stakeholder perceptions of sustainability continue to evolve, we may also face negative publicity based on certain \u201canti-ESG\u201d sentiment.\nNegative publicity may cause increased regulation and legislative scrutiny of industry practices as well as increased litigation or enforcement action by civiland criminal authorities. Additionally, negative publicity may increase our costs of doing business and adversely affect our profitability by impeding our ability tomarket our products and services, constraining our ability to price our products appropriately for the risks we are assuming, requiring us to change the products andservices we offer or increasing the regulatory burdens under which we operate.\nMacroeconomic, Political and Global Market Risks\nGeneral economic, financial market and political conditions and conditions in the markets in which we operate may materially adversely affect our results ofoperations and financial condition.\nLimited availability of credit, deteriorations of the global mortgage and real estate markets, declines in consumer confidence and consumer spending, includingin Europe, increases in prices or in the rate of inflation, periods of high unemployment or labor shortages, persistently low or rapidly increasing interest rates,disruptive geopolitical events, including the Israel-Hamas war, China-Taiwan relations and supply chain disruptions, and other events outside of our control, such asa major epidemic or a pandemic, political or civil unrest, or the possibility of a U.S.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5368, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "67aaed3a-b52e-44b0-bafb-75655880cacd": {"__data__": {"id_": "67aaed3a-b52e-44b0-bafb-75655880cacd", "embedding": null, "metadata": {"page_label": "30", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "0631abdd-e6c0-4ac5-a74a-42f888bfd82c", "node_type": "4", "metadata": {"page_label": "30", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f5c54e27ded8c0c506424c91c08b2d21ade118f8b656e556461347b717567db1", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "c63b746a-fd35-408f-95d9-20889c401a60", "node_type": "1", "metadata": {"page_label": "30", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "6cc30ac1a752ce74414885196e08bb269910ff15b71aedaa2cf1b0c1c6bd2204", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "government shutdown or default on its debt obligations, could contribute, and insome cases have contributed, to increased volatility and diminished expectations for the economy and the financial markets, including the market for our stock. Inaddition, there is uncertainty concerning potential and recent actions by the incoming U.S. administration, including increased or new tariffs that could increase thecost of claims, disrupt supply chains, and impact inflation. These factors may materially adversely affect our business, results of operations and financial condition.Specifically, during periods of economic downturn:\n27", "mimetype": "text/plain", "start_char_idx": 5369, "end_char_idx": 5997, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "3865a30a-ce4f-4871-9233-e608c7f2a5b5": {"__data__": {"id_": "3865a30a-ce4f-4871-9233-e608c7f2a5b5", "embedding": null, "metadata": {"page_label": "31", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "eaa7033a-a74f-4e3b-800c-19687e886cfc", "node_type": "4", "metadata": {"page_label": "31", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "cd358ba8213bcd7799700484fb1a408189a200937fed415d4573d0e7f3fdfdbf", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "\u2022 individuals and businesses may (i) choose not to purchase our insurance products, extended service contracts and other products and services, (ii) terminateexisting policies or contracts or permit them to lapse and (iii) choose to reduce the amount of coverage they purchase;\n\u2022 conditions in the markets in which we operate may deteriorate, impacting, among other things, consumer demand for the mobile devices, electronics,appliances, automobiles, housing and other products we insure, including the rate of introduction and success of new products, technologies and promotionalprograms that provide opportunities for growth;\n\u2022 clients are more likely to underperform expectations, experience financial distress and declare bankruptcy, which could have an adverse impact on theremittance of premiums from such clients and the collection of receivables from such clients for items such as unearned premiums and could otherwise exposeus to credit risk;\n\u2022 claims on certain specialized insurance products tend to rise;\n\u2022 there is a risk of fraudulent insurance claims;\n\u2022 there may be an impairment in the value of our tangible and intangible assets and our investment portfolio may be adversely affected;\n\u2022 there may be fluctuations in the labor market and a negative impact on employee retention; and\n\u2022 our ability to access the capital markets on favorable terms or at all may be negatively impacted.\nGeneral inflationary pressures and supply chain disruptions, including within the current environment, has and may continue to increase the costs of payingclaims, including for materials and labor, particularly in our Global Housing and Global Automotive businesses. In addition, inflationary pressures and shortages inthe labor market have increased, and may continue to increase, our labor costs, including employee wages, and changes in interest rates has impacted, and maycontinue to impact, our investment portfolio and capital. See \u201c \u2013 Financial Risks \u2013 Our investment portfolio is subject to market risk, including changes in interestrates, that may adversely affect our results of operations and financial condition.\u201d Conversely, deflationary pressures may affect the pricing of our products andservices.\nFinancial Risks\nOur actual claims losses may exceed our reserves for claims, requiring us to establish additional reserves or to incur additional expense for settling unreservedliabilities, which could have a material adverse effect on our results of operations, profitability and capital.\nWe maintain reserves to cover our estimated ultimate exposure for claims and claim adjustment expenses with respect to reported claims and incurred but notreported (\u201cIBNR\u201d) claims as of the end of each accounting period. Whether calculated under accounting principles generally accepted in the United States ofAmerica (\u201cGAAP\u201d), Statutory Accounting Principles or accounting principles applicable in foreign jurisdictions, reserves are estimates. Reserving is inherently amatter of judgment and our ultimate liabilities could exceed reserves for a variety of reasons, including changes in macroeconomic factors (such as inflation,unemployment and interest rates), case development and other factors. From time to time, we adjust our reserves, and may adjust our reserving methodology, asthese factors, our claims experience and estimates of future trends in claims frequency and severity change. Reserve adjustments have caused volatility in ourreported results. Reserve development, changes in our reserving methodology and paid losses exceeding corresponding reserves could have a material adverse effecton our results of operations, profitability and capital. See \u201cItem 7 \u2013 Management\u2019s Discussion and Analysis of Financial Condition and Results of Operations \u2013 Critical Accounting Estimates \u2013 Reserves\u201d in this Report for additional detail on our reserves.\nWe may be unable to accurately predict and price for claims and other costs, which could reduce our profitability.\nOur profitability could be reduced if we are unable to accurately predict and price for claims and other costs, including the frequency and severity of propertyand other claims. This ability could be affected by various factors, including macroeconomic conditions; inflation; changes in the regulatory environment; changes inindustry practices; changes in legal, social or environmental conditions; impacts from operational changes; new products; and new technologies or domestic orglobal supply chain or labor issues. In addition, our modeling tools that support business decisions involve historical data and numerous assumptions that may differmaterially from actual events. Climate change may make it more difficult to predict and model catastrophes, reducing our ability to accurately price our exposure tosuch events and mitigate risks, particularly in our Global Housing business. The inability to accurately predict and price for claims and other costs, including costsrelated to climate change and macroeconomic conditions, could materially adversely affect our results of operations and financial condition. See \u201c \u2013 Financial Risks\u2013 Actual results may differ materially from the analytical models we use to assist in our decision-making in key areas such as pricing, catastrophe risks, reservingand capital management.\u201d\n28", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5313, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "2af13691-cb8a-4da1-b70b-dc7b55aff284": {"__data__": {"id_": "2af13691-cb8a-4da1-b70b-dc7b55aff284", "embedding": null, "metadata": {"page_label": "32", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "bfe9fbec-7d2f-4522-8c89-1166abf36fd7", "node_type": "4", "metadata": {"page_label": "32", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "179709f9b39df576f4245be9c849a124c52378fc6b2637141fa2e1380f4ae825", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "616f486b-d3bd-48d5-8076-01d037b79fcb", "node_type": "1", "metadata": {}, "hash": "15acf12159724d80c06d7fbc392297dab07d4a8390307100061251b5ce3e401c", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "A decline in the financial strength ratings of our insurance subsidiaries could adversely affect our results of operations and financial condition.\nRatings are important considerations in establishing the competitive position of insurance companies. A.M. Best rates most of our domestic and certaininternational operating insurance subsidiaries. Moody\u2019s and S&P rate three of our domestic operating insurance subsidiaries. These ratings are subject to periodicreview by A.M. Best, Moody\u2019s and S&P, and we cannot assure that we will be able to retain them. Rating agencies may change their methodology or requirementsfor determining ratings, or they may become more conservative in assigning ratings. Rating agencies could increase capital requirements for our subsidiaries or theenterprise, thereby reducing deployable capital at such subsidiary or at the holding company. Any reduction in these ratings could materially adversely affect ourstanding in the insurance industry and the demand for our products from intermediaries and consumers, which could materially adversely affect our results ofoperations.\nAs of December 31, 2024, our operations had a significant number of contracts that contain provisions that require the applicable subsidiaries to maintainminimum financial strength ratings, typically from A.M. Best, ranging from \u201cA\u201d or better to \u201cB+\u201d or better, depending on the contract. Our clients may terminatethese contracts or fail to renew them if the subsidiaries\u2019 ratings fall below these minimums. Termination of or failure to renew these agreements could materially andadversely affect our results of operations and financial condition.\nA credit rating agency downgrade of our corporate senior debt rating could materially and adversely impact our business.\nCurrently, Assurant, Inc.\u2019s senior debt is rated BBB by S&P and Baa2 by Moody\u2019s, and both ratings carry a stable outlook.\nIf our senior debt credit ratings were downgraded, particularly if downgraded below investment grade, our business, financial condition and results ofoperations, and perceptions of our financial strength, could be materially and adversely affected. A downgrade could adversely affect our liquidity and ability toaccess liquidity quickly or at all, increase our borrowing costs, decrease demand for our debt securities, and increase the expense and difficulty of financing ouroperations, including temporary financing for subsidiaries necessary to address any immediate liquidity concerns, or refinancing our existing indebtedness on similaror more favorable terms. For example, the interest rate payable on certain series of our senior notes is subject to increase if either S&P or Moody\u2019s downgrades thecredit rating assigned to such series of senior notes to BB+ or below or to Ba1 or below, respectively. Additionally, we could be subject to more restrictive financialand operational covenants in any indebtedness we issue in the future, which could reduce our operational flexibility. There can be no assurance that our credit ratingswill not be downgraded. See Note 18 to the Consolidated Financial Statements included elsewhere in this Report for additional information on our senior notes andthe impact of rating changes.\nFluctuations in the exchange rate of the U.S. Dollar and other foreign currencies may materially and adversely affect our results of operations.\nWhile most of our costs and revenues are in U.S. Dollars, some are in other currencies, including labor costs in our international locations and GlobalCapability Centers. Because our financial results in certain countries are translated from local currency into U.S. Dollars upon consolidation, our results ofoperations, including period-over-period comparisons, have been and may continue to be affected by foreign exchange rate fluctuations. If the U.S. Dollar weakensagainst a local currency, the translation of our foreign-currency-denominated balances will result in increased net assets, net revenue, operating expenses and netincome. Similarly, our net assets, net revenue, operating expenses and net income will decrease if the U.S. Dollar strengthens against a local currency. In 2024, wereported a $0.8 million unfavorable impact to net income due to foreign exchange-related losses. These fluctuations in currency exchange rates may result in lossesthat materially and adversely affect our results of operations.\nAdditionally, we may incur foreign exchange losses in connection with the designation of the U.S. Dollar as the functional currency of our internationalsubsidiaries. For example, Argentina\u2019s economy is classified as highly inflationary in accordance with GAAP accounting requirements and, as a result, the functionalcurrency of our Argentina subsidiaries was changed from the local currency to U.S. Dollars and their non-U.S. Dollar denominated monetary assets and liabilitieswere subject to remeasurement resulting in losses. We could incur additional losses, which would adversely affect our results of operations.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5014, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "616f486b-d3bd-48d5-8076-01d037b79fcb": {"__data__": {"id_": "616f486b-d3bd-48d5-8076-01d037b79fcb", "embedding": null, "metadata": {"page_label": "32", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "bfe9fbec-7d2f-4522-8c89-1166abf36fd7", "node_type": "4", "metadata": {"page_label": "32", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "179709f9b39df576f4245be9c849a124c52378fc6b2637141fa2e1380f4ae825", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "2af13691-cb8a-4da1-b70b-dc7b55aff284", "node_type": "1", "metadata": {"page_label": "32", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "9e30a86f11425bcb9acc2979851ea9753e7d5782475fbc830ac2bc9196a4cceb", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "We could incur additional losses, which would adversely affect our results of operations. For additionalinformation on the change in functional currency for our Argentina subsidiaries and the effect thereof, see Note 2 to the Consolidated Financial Statements includedelsewhere in this Report.\nAn impairment of our goodwill or other intangible assets could materially adversely affect our results of operations and book value.\nAs a result of acquisitions, we have added a considerable amount of goodwill and other intangible assets to our balance sheet. Goodwill represented 51% of ourtotal equity as of December 31, 2024. We review our goodwill annually in the fourth quarter for impairment or more frequently if indicators of impairment exist.Such circumstances include a significant adverse change in legal factors, an adverse action or assessment by a regulator, unanticipated competition, loss of keypersonnel or a\n29", "mimetype": "text/plain", "start_char_idx": 4925, "end_char_idx": 5847, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "6c307361-9972-4e4c-a71a-45691a3da011": {"__data__": {"id_": "6c307361-9972-4e4c-a71a-45691a3da011", "embedding": null, "metadata": {"page_label": "33", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "5d490eb4-c309-4fbd-be19-af6e730bf5bc", "node_type": "4", "metadata": {"page_label": "33", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "96f05664cb5242bc7737d4f994707835be0745ebddce04f168e89ca8096e1db6", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "fc39b245-bb8e-40a0-bc89-690c74ed19b2", "node_type": "1", "metadata": {}, "hash": "e5c992c8781280bfdbc6e9a1e4d05b2666806459cc6c0798c0eb63a7b7272894", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "significant decline in our expected future cash flows due to changes in company-specific factors or the broader business climate. In addition, other intangible assets\ncollectively represented 10% of our total equity as of December 31, 2024. Estimated useful lives of finite intangible assets are reassessed on an annual basis.\nGenerally, other intangible assets with finite lives are only tested for impairment if there are indicators of impairment identified, including a significant adversechange in the extent, manner or length of time in which the other intangible asset is being used or a significant adverse change in legal factors or in the businessclimate that could affect the value of the other intangible asset.\nAn impairment of goodwill or other intangible assets, or significant reduction in the useful lives of intangible assets, could have a material adverse effect on ourprofitability and book value. For more information on our annual goodwill impairment testing, the goodwill of our segments and related reporting units and\nintangible asset impairment testing, see \u201cItem 7 \u2013 Management\u2019s Discussion and Analysis of Financial Condition and Results of Operations \u2013 Critical AccountingEstimates \u2013 Valuation and Recoverability of Goodwill\u201d and Notes 2 and 14 to the Consolidated Financial Statements included elsewhere in this Report.\nFailure to maintain effective internal control over financial reporting could have a material adverse effect on our business and stock price.\nAs a public company, we are required to maintain effective internal control over financial reporting. While management has certified that our internal controlover financial reporting was effective as of December 31, 2024, because internal control over financial reporting is complex, there can be no assurance that ourinternal control over financial reporting will be effective in the future. We rely on manual processes and procedures that subject us to increased risk of error andinternal control failure compared to automated processes. Although we have implemented an integrated global financial system in North America and are in theprocess of implementing it globally to, among other things, minimize our reliance on and use of manual processes, there can be no assurance that the implementationwill achieve all of its intended goals. Any failure to implement required controls, or difficulties or errors encountered in their operation, including as a result ofremote work arrangements, could adversely affect our results of operations or cause us to fail to meet our reporting obligations. If we are not able to maintain ordocument effective internal control over financial reporting, our independent registered public accounting firm would be unable to certify the effectiveness of ourinternal control over financial reporting or opine that our financial statements fairly present, in all material respects, our financial position, results of operations andcash flows in conformity with GAAP. Significant deficiencies or material weaknesses in internal control over financial reporting may prevent us from reporting ourfinancial information on a timely basis or cause us to restate previously issued financial information, and thereby subject us to litigation and adverse regulatoryconsequences, including fines and other sanctions, and would require us to claw back certain executive compensation, which would be costly and time-consuming. Ifany of the foregoing were to occur, investor confidence in us and the reliability of our financial statements could erode, resulting in a decline in our stock price,impairing our ability to raise capital, negatively affecting our reputation and subjecting us to legal and regulatory risk.\nUnfavorable conditions in the capital and credit markets may significantly and adversely affect our access to capital and our ability to pay our debts or expenses.\nThe global capital and credit markets have experienced periods of uncertainty, volatility and disruption, including the possibility of a U.S. governmentshutdown or default on its debt obligations, changes to U.S. and foreign tax and trade policies, imposition of new or increased tariffs, other trade restrictions, othergovernment actions, foreign currency fluctuations and other factors. Our ability to raise money during such periods could be severely or entirely restricted. Ourability to borrow or raise money is important if our operating cash flow is insufficient to pay our expenses, meet capital requirements, repay debt, pay dividends onour common stock or make investments. As a holding company, we have limited direct operations of our own. The principal sources of our liquidity are dividendsand other statutorily permissible payments from our subsidiaries, cash flow from our investment portfolio, the Credit Facility (as defined below) and liquid assets,consisting mainly of cash or assets that are readily convertible into cash. Sources of liquidity in normal markets include a variety of short-and long-term instruments.If our access to the capital and credit markets is restricted, our cost of capital could increase, thus decreasing our profitability and reducing our financial flexibility,including our ability to refinance maturities of existing indebtedness on similar or more favorable terms.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5309, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "fc39b245-bb8e-40a0-bc89-690c74ed19b2": {"__data__": {"id_": "fc39b245-bb8e-40a0-bc89-690c74ed19b2", "embedding": null, "metadata": {"page_label": "33", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "5d490eb4-c309-4fbd-be19-af6e730bf5bc", "node_type": "4", "metadata": {"page_label": "33", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "96f05664cb5242bc7737d4f994707835be0745ebddce04f168e89ca8096e1db6", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "6c307361-9972-4e4c-a71a-45691a3da011", "node_type": "1", "metadata": {"page_label": "33", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d22036a1d9e82139d3fb8fc52732ab920ffed4f06fd0d1dd16b7c82c7a570073", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Our results of operations, financial condition, cash flowsand statutory capital position could be materially and adversely affected by periods of uncertainty, volatility and disruption in the capital or credit markets.\nOur investment portfolio is subject to market risk, including changes in interest rates, that may adversely affect our results of operations and financial condition.\nInvestment returns are an important part of our profitability. Our investments are subject to market-wide risks and fluctuations, including in the fixed maturity,equity securities and real estate markets, which could impair our profitability, financial condition and cash flows. Further, in pricing our products and services, weincorporate assumptions regarding returns on our investments. Market conditions may not allow us to invest in assets with sufficiently high returns to meet ourpricing assumptions and profit targets over the long term.\n30", "mimetype": "text/plain", "start_char_idx": 5310, "end_char_idx": 6243, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "32d457bc-c9bc-4ee5-a897-7453734f62e5": {"__data__": {"id_": "32d457bc-c9bc-4ee5-a897-7453734f62e5", "embedding": null, "metadata": {"page_label": "34", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "9910a6c5-3422-4531-ba64-25d73abc06c0", "node_type": "4", "metadata": {"page_label": "34", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "7c22407d2ed0d4fc73c347c632115aca5124e1d8b4bee2daf9587a2312ff864a", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "fc3e0d05-9988-4d43-bd7f-d055142da9bb", "node_type": "1", "metadata": {}, "hash": "3ebe100e19717d4249ec37eefc7809bfa5317f54dbd8aa44a9dd41594ffe50e7", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "We are subject to interest rate risk in our investment portfolio. Changes in interest rates have, and may continue to, materially adversely affect the performanceof some of our investments, including by materially reducing the fair value of and investment income from fixed maturity securities and increasing unrealized lossesin our investment portfolio, which can adversely impact our capital. As of December 31, 2024, fixed maturity securities represented approximately 84% of our totalinvestments and full year 2024 gross investment income from fixed maturity securities totaled $385.9 million. The fair market value of fixed maturity securitiesgenerally increases or decreases in an inverse relationship with fluctuations in interest rates, while net investment income realized by us from future investments infixed maturity securities generally increases or decreases directly with fluctuations in interest rates. In addition, actual investment income and cash flows frominvestments that carry prepayment risk, such as mortgage-backed and other asset-backed securities, may differ from those anticipated at the time of investment as aresult of interest rate fluctuations.\nRecent periods have been characterized by substantial volatility in interest rates. A prolonged period during which interest rates remain at high levels may resultin greater unrealized losses in our investment portfolio. Conversely, a prolonged period during which interest rates are at lower levels may result in lower-than-expected investment income. We attempt to mitigate certain interest rate risk with hedging activities but such activities may not be effective. Though we employasset/liability management strategies to manage the adverse effects of interest rate changes, significant fluctuations may require us to liquidate investments prior tomaturity at a significant loss to pay claims, which could have a material adverse effect on our results of operations and financial condition. See \u201cItem 7A \u2013 Quantitative and Qualitative Disclosures About Market Risk \u2013Interest Rate Risk\u201d in this Report.\nOur investment portfolio is subject to credit, liquidity and other risks that may adversely affect our results of operations and financial condition.\nWe are subject to credit risk in our investment portfolio, primarily from our investments in corporate bonds, preferred stocks, leveraged loans, municipal bondsand commercial mortgages. Defaults by third parties in the payment or performance of their obligations could reduce our investment income and result in realizedinvestment losses. The value of our investments may be materially adversely affected by downgrades in the corporate bonds included in our portfolio, increases intreasury rates or credit spreads and by other factors that may result in realized and unrealized investment losses and other-than-temporary impairments. Thedetermination that a security has incurred an other-than-temporary impairment requires the judgment of management and there are inherent risks and uncertaintiesinvolved in making these judgments. Changes in facts, circumstances or critical assumptions could cause management to conclude that further impairments haveoccurred, which could lead to additional losses on investments. Each of these events may cause us to reduce the carrying value of our investment portfolio. Forfurther details on net investment losses, see Note 7 to the Consolidated Financial Statements included elsewhere in this Report.\nThe value of any particular fixed maturity security is subject to impairment based on the creditworthiness of its issuer. As of December 31, 2024, fixed maturitysecurities represented approximately 84% and below investment grade securities (rated \u201cBB\u201d or lower by nationally recognized statistical rating organizations)represented approximately 6% of our total investments. Below investment grade securities generally are expected to provide higher returns but present greater riskand can be less liquid than investment grade securities. A significant increase in defaults and impairments on our fixed maturity securities portfolio could materiallyadversely affect our results of operations and financial condition. See \u201cItem 7A \u2013 Quantitative and Qualitative Disclosures About Market Risk \u2013 Credit Risk\u201d in thisReport for additional information on the composition of our fixed maturity securities portfolio.\nEquity securities represented approximately 2% of our total investments as of December 31, 2024. However, we have had higher percentages of equitysecurities in the past and may make more equity investments in the future. Investments in equity securities generally are expected to provide higher total returns butpresent greater risk to preservation of capital than our fixed maturity securities. All changes in the fair value of equity securities are reported in our statements ofoperations, which has increased the volatility of our financial results. See Note 2 to the Consolidated Financial Statements included elsewhere in this Report for moreinformation.\nOur investments in commercial mortgage loans on real estate (which represented approximately 4% of our total investments as of December 31, 2024) arerelatively illiquid. If we require extremely large amounts of cash on short notice, we may have difficulty selling these investments at attractive prices and in a timelymanner.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5368, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "fc3e0d05-9988-4d43-bd7f-d055142da9bb": {"__data__": {"id_": "fc3e0d05-9988-4d43-bd7f-d055142da9bb", "embedding": null, "metadata": {"page_label": "34", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "9910a6c5-3422-4531-ba64-25d73abc06c0", "node_type": "4", "metadata": {"page_label": "34", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "7c22407d2ed0d4fc73c347c632115aca5124e1d8b4bee2daf9587a2312ff864a", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "32d457bc-c9bc-4ee5-a897-7453734f62e5", "node_type": "1", "metadata": {"page_label": "34", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "5f5906d86de381410e12cae1f81b4b0ef8d2768196039b07fc6bb9f052641ad9", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "In addition, default rates and losses on commercial mortgage loans are affected by a number of factors, including many U.S. regional lenders that arereducing their exposure to such loans.\nThe manner in which we allocate our resources across the portfolio or the types of assets in which we seek to invest may increase credit, liquidity and otherrisks that may adversely affect our results of operations and financial condition.\n31", "mimetype": "text/plain", "start_char_idx": 5369, "end_char_idx": 5799, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "6a60e035-760e-4930-9178-0303f69341fa": {"__data__": {"id_": "6a60e035-760e-4930-9178-0303f69341fa", "embedding": null, "metadata": {"page_label": "35", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3d5660f5-4e45-4463-86dd-c97fd3de2eee", "node_type": "4", "metadata": {"page_label": "35", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "59a4f0ec8edb5caf0074c5c99be1cd024f3f4b1fe7de4e0854e5bc30fec662de", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "46ac3609-a9ef-44c0-9733-5ae7d1a0098d", "node_type": "1", "metadata": {}, "hash": "7186de897d72a23ed586844399c308b51782071fea3559c663ea07c45c63550c", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The value of our deferred tax assets could become impaired, which could materially and adversely affect our results of operations and financial condition.\nIn accordance with applicable income tax guidance, we must determine whether our ability to realize the value of our deferred tax asset or to recognize certaintax liabilities related to uncertain tax positions is \u201cmore likely than not\u201d. Under current income tax guidance, a deferred tax asset should be reduced by a valuationallowance if, based on the weight of all available evidence, it is more likely than not that some portion of the deferred tax asset will not be realized. The realizationof deferred tax assets depends upon the existence of sufficient taxable income of the same character during the carryback or carry-forward periods.\nIn determining the appropriate valuation allowance, management made certain judgments relating to recoverability of deferred tax assets, use of tax loss andtax credit carry-forwards, levels of expected future taxable income of the appropriate character and available tax planning strategies. The assumptions in makingthese judgments are updated periodically on the basis of current business conditions affecting us and overall economic conditions. These management judgments aretherefore subject to change due to factors that include changes in our ability to realize sufficient taxable income of the same character in the same jurisdiction or inour ability to execute other tax planning strategies. Furthermore, any future changes in tax laws could impact the value of our deferred tax assets. Management willcontinue to assess and determine the need for, and the amount of, the valuation allowance in subsequent periods. Any change in the valuation allowance could have amaterial adverse impact on our results of operations and financial condition.\nReinsurance may not be adequate or available to protect us against losses, and we are subject to the credit risk of reinsurers.\nAs part of our overall risk and capacity management strategy, we purchase reinsurance for certain risks underwritten by our various operating segments. Wealso access the Florida Hurricane Catastrophe Fund (\u201cFHCF\u201d) to reinsure eligible Florida risks. Although reinsurers are liable to us for claims properly ceded underour reinsurance arrangements, we remain liable to the insured as the direct insurer on all risks reinsured. Ceded reinsurance arrangements therefore do not eliminateour obligation to pay claims. We are subject to credit and other risks with respect to our ability to recover amounts due from reinsurers and the FHCF. The inabilityto collect amounts due from reinsurers and any changes in the FHCF could materially adversely affect our results of operations and financial condition.\nThe availability and cost of reinsurance are subject to prevailing reinsurance market conditions, which have been, and in the future may continue to be,adversely impacted by: the occurrence of significant reinsured events, including catastrophes; expectations regarding increased occurrences of such events due toclimate change; and other impacts on reinsurers\u2019 capital, such as increased demand for coverage driven by inflation, a volatile investment market or litigation costs.In the future, we may not be able to obtain reinsurance coverage for some of our businesses at commercially reasonable rates or at all. In such a situation, we mightbe adversely affected by state and other regulations that prohibit us from excluding catastrophe exposures or from withdrawing from or increasing premium rates in\ncatastrophe-prone areas where we are required to provide property coverage for client portfolios. In addition, we may not be able to renew our current reinsurance\nfacilities or obtain other reinsurance facilities in adequate amounts, at favorable rates and with favorable terms. The inability to obtain reinsurance at favorable ratesor at all could cause us to reduce the level of our underwriting commitments, take more risk, hold more capital or incur higher costs. Any of these developmentscould materially adversely affect our results of operations and financial condition.\nThrough reinsurance, we have sold or exited businesses that could again become our direct financial and administrative responsibility if the reinsurers becomeinsolvent.\nIn the past, we have sold, and in the future we may sell, businesses through reinsurance ceded to third parties. We have exited, expect to fully exit and in thefuture may exit certain businesses, including small commercial, through reinsurance. We have a reinsurance recoverable balance with John Hancock Life InsuranceCompany (\u201cJohn Hancock\u201d) of $471.5 million as of December 31, 2024, related to the sale of our Long-Term Care division through reinsurance. The A.M. Bestrating of John Hancock is currently A+. Certain assets backing reserves reinsured under this sale and other sales are held in trusts or separate accounts. However, ifthe reinsurers became insolvent, the assets in the trusts or separate accounts could prove insufficient to support the liabilities that would revert to us and we mayagain become responsible for administering these businesses. We do not currently have the administrative systems and capabilities to process these businesses.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5291, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "46ac3609-a9ef-44c0-9733-5ae7d1a0098d": {"__data__": {"id_": "46ac3609-a9ef-44c0-9733-5ae7d1a0098d", "embedding": null, "metadata": {"page_label": "35", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3d5660f5-4e45-4463-86dd-c97fd3de2eee", "node_type": "4", "metadata": {"page_label": "35", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "59a4f0ec8edb5caf0074c5c99be1cd024f3f4b1fe7de4e0854e5bc30fec662de", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "6a60e035-760e-4930-9178-0303f69341fa", "node_type": "1", "metadata": {"page_label": "35", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "5443a901178001ad39c7c1f1f9c73a7902174ee7f8da09e104b4a7dc6327152f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "We do not currently have the administrative systems and capabilities to process these businesses. Wemight be forced to obtain such capabilities on unfavorable terms with a resulting material adverse effect on our results of operations and financial condition. Inaddition, other third parties to whom we have sold businesses in the past may in turn sell these businesses to other third parties, through reinsurance or otherwise,and we could face credit risks and risks related to the new administrative systems and capabilities of these third parties in administering these businesses.\nFor more information on these arrangements, including the reinsurance recoverable and risk mitigation mechanisms used, see Note 17 to the ConsolidatedFinancial Statements included elsewhere in this Report.\n32", "mimetype": "text/plain", "start_char_idx": 5194, "end_char_idx": 5987, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "29f5242b-7906-454e-8a9c-bdd124481a79": {"__data__": {"id_": "29f5242b-7906-454e-8a9c-bdd124481a79", "embedding": null, "metadata": {"page_label": "36", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "5804cb60-de2b-41e2-bb35-56c4474ea2ce", "node_type": "4", "metadata": {"page_label": "36", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "a2ec2e8155066c5a61a6b91a4ed76b90efd991bd75bd174118351bf9e87802d5", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "7bad8b00-2d9e-406a-b14e-f4eaf9c3314b", "node_type": "1", "metadata": {}, "hash": "28712784b2327947583a7f0d371be160c9cb8e716de6c032df046643e3e6fcbf", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "We are exposed to risks related to the creditworthiness and reporting systems of some of our agents, third-party administrators and clients.\nWe are subject to the credit risk of some of the agents, third-party administrators, clients, client-owned reinsurance companies and clean energy sponsors withwhich we contract in our businesses. We may incur losses related to accounts receivables, write-downs of upfront fees, write-downs of deferred acquisition costs,insurance reserves held by third parties with or without collateral (including the impairment of any collateral), reimbursement of claims or commissions prepaid byus and loans granted to such counterparties. In addition, some of our agents, third-party administrators and clients collect and report premiums or pay claims on ourbehalf. Also, under certain contractual arrangements, we pay claims on behalf of third parties and subsequently seek reimbursement. These parties\u2019 failure to remitall premiums collected or to pay claims on our behalf or to reimburse us for paid claims on a timely and accurate basis could have an adverse effect on our results ofoperations.\nOur subsidiaries\u2019 inability to pay us sufficient dividends could prevent us from meeting our obligations and paying future stockholder dividends.\nAs a holding company whose principal assets are the capital stock of our subsidiaries, we rely primarily on dividends and other statutorily permissiblepayments from our subsidiaries to meet our obligations for payment of interest and principal on outstanding debt obligations, to repurchase shares or debt, to pay forcertain expenses, to acquire new businesses, and to pay dividends to common stockholders. Our subsidiaries\u2019 ability to pay dividends and to make such otherpayments depends on their GAAP equity or statutory surplus, future earnings, cash position, rating agency requirements and regulatory restrictions, as applicable.Regulators could increase capital requirements for our subsidiaries, thereby reducing deployable capital at such subsidiary. Except to the extent that we are a creditorwith recognized claims against our subsidiaries, claims of our subsidiaries\u2019 creditors, including policyholders, have priority over our claims with respect to oursubsidiaries\u2019 assets and earnings. If any of our subsidiaries becomes insolvent, liquidates or otherwise reorganizes, our creditors and stockholders will have no rightto proceed against our subsidiary\u2019s assets or to cause the liquidation, bankruptcy or winding-up of our subsidiary under applicable liquidation, bankruptcy orwinding-up laws. The applicable insurance laws of the jurisdiction where each of our insurance subsidiaries is domiciled would govern any proceedings relating tothat subsidiary and the insurance authority of that jurisdiction would act as a liquidator or rehabilitator for the subsidiary.\nThe payment of dividends by any of our regulated domestic insurance company subsidiaries in excess of specified amounts (i.e., extraordinary dividends) mustbe approved by the subsidiary\u2019s domiciliary jurisdiction department of insurance. Ordinary dividends, for which no regulatory approval is generally required, arelimited to amounts determined by a formula, which varies by jurisdiction. Some jurisdictions have an additional stipulation that dividends may only be paid out ofearned surplus. If insurance regulators determine that payment of an ordinary dividend or any other payments by our insurance subsidiaries to us (such as paymentsunder a tax sharing agreement or payments for employee or other services) would be adverse to policyholders or creditors, they may block such payments that wouldotherwise be permitted without prior approval. Future regulatory actions could further restrict our insurance subsidiaries\u2019 ability to pay us dividends. For moreinformation on the maximum amount of dividends our regulated U.S. domiciled insurance subsidiaries could pay us in 2024 under applicable laws and regulations,without prior regulatory approval, see \u201cItem 5 \u2013 Market for Registrant\u2019s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities \u2013 Dividend Policy.\u201d\nAny additional material restrictions on our insurance subsidiaries\u2019 ability to pay us dividends could adversely affect our ability to pay any dividends on ourcommon stock, service our debt and pay other expenses.\nOur ability to declare and pay dividends on our capital stock may be limited.\nOur declaration and payment of dividends on our common stock in the future will be determined by the Board in its sole discretion and will depend on variousfactors, including: our subsidiaries\u2019 payment of dividends and other statutorily permissible payments to us; our results of operations and cash flows; our financialcondition and capital requirements; general business conditions and growth prospects; any legal, tax, regulatory and contractual restrictions on the payment ofdividends; and any other factor the Board deems relevant. The payment of dividends on our common stock may be subject to the preferential rights of any preferredstock that the Board may create from time to time. The Credit Facility contains limitations on our ability to pay dividends to our stockholders if we are in default, orsuch dividend payments would cause us to be in default, of our obligations thereunder.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5338, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "7bad8b00-2d9e-406a-b14e-f4eaf9c3314b": {"__data__": {"id_": "7bad8b00-2d9e-406a-b14e-f4eaf9c3314b", "embedding": null, "metadata": {"page_label": "36", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "5804cb60-de2b-41e2-bb35-56c4474ea2ce", "node_type": "4", "metadata": {"page_label": "36", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "a2ec2e8155066c5a61a6b91a4ed76b90efd991bd75bd174118351bf9e87802d5", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "29f5242b-7906-454e-8a9c-bdd124481a79", "node_type": "1", "metadata": {"page_label": "36", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "6d1e5275ddb9223fd6fa81b9b1c8b60fa8b95557eb6e891506070a607bb100bb", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "In addition, if we defer the payment of interest on our Subordinated Notes (asdefined hereafter), we generally may not make payments on our capital stock. Furthermore, the agreements governing any of our or our subsidiaries\u2019 futureindebtedness may limit our ability to declare and pay dividends on our common stock. In the event that any agreements governing any such indebtedness restrict ourability to declare and pay dividends in cash on our common stock, we may be unable to declare and pay dividends in cash on our common stock unless we can repayor refinance the amounts outstanding under such agreements.\n33", "mimetype": "text/plain", "start_char_idx": 5339, "end_char_idx": 5953, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "5cc0c1c7-97e9-4008-8764-532e4fffce1b": {"__data__": {"id_": "5cc0c1c7-97e9-4008-8764-532e4fffce1b", "embedding": null, "metadata": {"page_label": "37", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "ec4f47a5-9dad-49a0-99a8-1d40d1382344", "node_type": "4", "metadata": {"page_label": "37", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e159298cb1c93b1f493337a7600c93fdd157a1e1759728d3e957daaaafcb0f83", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "53dd46e5-3717-48d3-a968-f05d02dae504", "node_type": "1", "metadata": {}, "hash": "edca5200e1422a5221fcbc7ecd68aea08d8655c78443956e67e4b81ad23dc4af", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Actual results may differ materially from the analytical models we use to assist in our decision-making in key areas such as pricing, catastrophe risks, reservingand capital management.\nWe use various modeling techniques and data analytics throughout the organization to analyze and estimate exposures, loss trends, and other risks associatedwith our assets, liabilities, profitability and cash flows. This includes both proprietary and third-party modeled outputs and related analysis to assist us in decision-making related to pricing and rate filings, catastrophe and non-catastrophe modeling, loss reserving, asset management, corporate tax, financial reporting, and riskand capital management, among other things. The modeled outputs and related analyses are subject to uncertainties and the inherent limitations of any statisticalanalysis, including model design errors; rely on numerous assumptions and the use of historical internal and industry data; and may lead to unintentional bias. Inaddition, climate change may make it more difficult to predict and model catastrophes, reducing our ability to accurately price our exposure to such events andmitigate risks. As a result, actual results may differ materially from our modeled results. If, based upon these models, we misprice our products, underestimate thefrequency or severity of catastrophes and non-catastrophe losses, or fail to appropriately estimate the risks we are exposed to, which has occurred from time to time,our business, results of operations and financial condition may be materially adversely affected.\nTechnology, Cybersecurity and Privacy Risks\nThe failure to effectively maintain and modernize our technology systems and infrastructure and integrate those of acquired businesses could adversely affectour business.\nThe success of our business depends on our ability to maintain effective, secure and reliable technology systems and infrastructure and to modernize them tosupport current and new clients and grow in an efficient and cost-effective manner. Some of the Company\u2019s technology systems and software are legacy-typesystems that are less efficient and require an ongoing commitment of significant resources to maintain or upgrade to current standards, including business continuityprocedures. We continue to upgrade and implement new information technology systems and infrastructure involving several enterprise-wide technology initiativesto support our strategy and keep pace with continuing changes in information processing technology and evolving industry and regulatory requirements. Thisincludes implementing an integrated global financial system; enhancing existing systems, procedures and controls; developing new systems and products; andretiring certain legacy systems. We have also migrated many of our systems and applications to the cloud, which is key to our technology strategy. We currently relyon significant manual processes and procedures that subject us to increased risk of error and internal control failure compared to automated processes. We mustintegrate the systems of acquired businesses effectively so that technology gained through acquisitions meets the required level of security and performancecapabilities to avoid additional risk to existing operations.\nOur ability to modernize our technology systems and infrastructure requires us to execute large-scale, complex programs and projects, which rely on thecommitment of significant financial and managerial resources and effective planning and management processes. We may be unable to implement these programsand projects effectively, efficiently or in a timely manner, which could result in operational resiliency issues, poor customer experience, cost overruns, additionalexpenses, reputational harm, legal and regulatory actions, and other adverse consequences.\nIf we are unable to maintain technology systems, infrastructure, procedures (including technology continuity planning and recovery testing) and controls thatfunction effectively without interruption and securely (including through a failure to replace or update redundant or obsolete hardware, applications or softwaresystems), or to update or integrate our systems, we may not be able to service our clients and their customers, successfully offer our products, grow our business andaccount for transactions in an appropriate and timely manner, and our relationships with clients could be adversely affected. We are dependent on vendors and otherthird parties to maintain reliable and secure network systems that provide adequate speed and data capacity. For example, we utilize third-party cloud serviceproviders in connection with certain key aspects of our business and operations, including in the Global Automotive businesses and in implementing an integratedglobal financial system, and any disruption of, or interference with, our use of such cloud services could have a material adverse impact on our business andoperations. We have from time to time experienced operational resiliency issues, including the unavailability of technology systems upon which our clients rely.Such failures could result in loss of business and adversely affect our financial condition and results of operations.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5243, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "53dd46e5-3717-48d3-a968-f05d02dae504": {"__data__": {"id_": "53dd46e5-3717-48d3-a968-f05d02dae504", "embedding": null, "metadata": {"page_label": "37", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "ec4f47a5-9dad-49a0-99a8-1d40d1382344", "node_type": "4", "metadata": {"page_label": "37", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e159298cb1c93b1f493337a7600c93fdd157a1e1759728d3e957daaaafcb0f83", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "5cc0c1c7-97e9-4008-8764-532e4fffce1b", "node_type": "1", "metadata": {"page_label": "37", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e58cb0bb42606539f90e8eb1e77811b7de25b42faa91fc67a01166f387731b22", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "For risks relating to the security of our technologysystems and cybersecurity incidents, see \u201c \u2013 We could incur significant liability if our technology systems or those of third parties are breached or we or third partiesotherwise fail to protect the security of data residing on our respective systems, which could adversely affect our business and results of operations.\u201d\nWe could incur significant liability if our technology systems or those of third parties are breached or we or third parties otherwise fail to protect the security ofdata residing on our respective systems, which could adversely affect our business and results of operations.\nWe rely on the uninterrupted and secure operation of our technology systems, including information technology systems and operational technology systems, tooperate our business and securely process, transmit and store electronic information. This electronic information includes confidential and other sensitiveinformation, including personal data, that we receive from\n34", "mimetype": "text/plain", "start_char_idx": 5244, "end_char_idx": 6266, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "2e4b156b-1940-4c71-b311-696bd7358065": {"__data__": {"id_": "2e4b156b-1940-4c71-b311-696bd7358065", "embedding": null, "metadata": {"page_label": "38", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "bc300e7b-0ebb-420f-9867-00790c9ee6b3", "node_type": "4", "metadata": {"page_label": "38", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "9b27b02ff260897249ff8ea9a8b3e0d42ed36105754f6195c82af69439016675", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "a23c4672-f681-4867-a408-20920c8a3d86", "node_type": "1", "metadata": {}, "hash": "54086aba5e7e73e51ba0c0f8b4835c48910672ddb1acbf77b7bf46d6b5501e8d", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "our customers, vendors and other third parties. Our technology systems and safety control systems and those of our vendors and other third parties with whom weshare sensitive information are vulnerable to, and in some cases have been subject to, damage or interruption from a variety of external threats, includingcybersecurity incidents, computer viruses, malware and ransomware, as well as targeted attacks against our employees, which have been increasing in frequency.\nCybersecurity incidents are rapidly evolving and becoming increasingly sophisticated, partly due to the growing use of artificial intelligence by maliciousactors. We are at risk of attack, and from time to time have been the subject of an attack, by a growing list of adversaries, including state-sponsored organizations,organized crime, hackers and \u201chacktivists\u201d (activist hackers), through the use of increasingly sophisticated methods of attack, including long-term, persistent attacksreferred to as advanced persistent threats, attacks via yet unknown vulnerabilities referred to as zero-day threats and credential harvesting attacks against ouremployees. Because the techniques used to obtain unauthorized access or sabotage systems change frequently and generally are not identified until they are launchedagainst a target, we may be unable to anticipate these techniques or implement adequate preventative measures, resulting in potential data loss or other damage totechnology systems. As the breadth and complexity of the technologies we use continue to grow, and as a result of the remote and hybrid work arrangements for asignificant portion of our employees, the risk of security breaches and cybersecurity incidents has increased.\nOur systems have also been subject to compromise from internal threats such as improper action by employees and third parties who may have otherwiselegitimate access to our systems. Our call centers subject us to additional risk from internal threats due to access to personal data. Moreover, we face the ongoingchallenge of managing access controls in a complex environment. Remote and hybrid work arrangements, including the use of personal devices and home networksthat are not managed by the organization\u2019s security control framework, bypass certain physical security controls for our employees and the employees of our vendorswho have access to sensitive information. While additional controls have been put in place, they may not be sufficient to discover compromises that occur due to theloss of physical controls. The latency of a compromise is often measured in months, and we may not be able to detect a compromise in a timely manner. We couldexperience significant financial and reputational harm as a result of operational resiliency issues, including if our technology systems are breached, sensitive client orCompany data are compromised, modified, rendered inaccessible for any period of time or made public, or if we fail to make adequate disclosures to the public orlaw enforcement agencies following any such event.\nOur data protection measures may not be effective to protect our network and systems from external and internal threats. Should an attacker gain access to ournetwork using compromised credentials of an authorized user or otherwise, or gain entry as a result of a zero-day exploit or other vulnerabilities that may exist in oursystems environment, which has occurred from time to time, we are at risk that the attacker might successfully leverage that access to compromise additionalsystems and data. Certain measures that could increase the security of our systems take significant time and resources to deploy broadly and may not be effectiveagainst an attack. Additionally, our policies, procedures and technical safeguards may be insufficient to prevent or detect improper access to confidential, personal orproprietary information and other cybersecurity incidents, assess the severity or impact of any such incidents or appropriately respond in a timely manner. Theinability to implement, maintain and upgrade effective protective measures and other safeguards or adequately respond to a breach could have a material adverseeffect on our business.\nAlthough we continue to invest in security and engage in best practices for software development, code vulnerabilities may still be introduced into productionenvironments. Our technology systems must be continually patched and upgraded to protect against vulnerabilities, including zero-day threats, and we are at risk thatcyber attackers exploit these vulnerabilities before they have been addressed. Due to the large number and age of the systems and platforms that we operate and theincreased frequency with which vendors issue security patches to their products, the need to test patches and, in some cases coordinate with clients and vendors,before they can be deployed, we are at risk that we cannot deploy these patches to remediate these vulnerabilities in a timely and effective manner. We are dependenton vendors and other third parties, such as cloud service providers, to keep their systems patched in order to protect our data. We have vendors and other third partieswho receive data from us in connection with the services we offer our customers. In addition, we have migrated certain data, and may increasingly migrate data, tothe cloud hosted by third-party providers.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5388, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "a23c4672-f681-4867-a408-20920c8a3d86": {"__data__": {"id_": "a23c4672-f681-4867-a408-20920c8a3d86", "embedding": null, "metadata": {"page_label": "38", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "bc300e7b-0ebb-420f-9867-00790c9ee6b3", "node_type": "4", "metadata": {"page_label": "38", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "9b27b02ff260897249ff8ea9a8b3e0d42ed36105754f6195c82af69439016675", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "2e4b156b-1940-4c71-b311-696bd7358065", "node_type": "1", "metadata": {"page_label": "38", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d2168211a9435055ea0de5801fa7512bcd855065e89427455a291831de2d7db3", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "We are at risk of a cybersecurity incident involving a vendor or other third party, which could result in a breakdown ofsuch third party\u2019s data protection measures or access to our infrastructure through the third party. To the extent that a vendor or third party suffers a cybersecurityincident that compromises their operations, our data and our customers\u2019 data could be compromised or we may experience service interruption. Any failure related tothese activities and operational resiliency could have a material adverse effect on our business.\nThe process of integrating the technology systems of the businesses we acquire is complex and exposes us to additional risk. For instance, we may notadequately identify weaknesses in an acquired entity\u2019s technology systems, either before or after the acquisition, which could affect the value we are able to derivefrom the acquisition, expose us to unexpected liabilities or make our own systems more vulnerable to a cybersecurity incident. We may be unable to integrate thesystems of the\n35", "mimetype": "text/plain", "start_char_idx": 5389, "end_char_idx": 6428, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "177288f6-53d0-4fe9-9742-b5e4a9b7a0f1": {"__data__": {"id_": "177288f6-53d0-4fe9-9742-b5e4a9b7a0f1", "embedding": null, "metadata": {"page_label": "39", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3fb4b484-1903-4f5c-937b-b809acc47354", "node_type": "4", "metadata": {"page_label": "39", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "c731cde22f9a15835d51c956f34f812a8123ed154d7b009321d977fa7b76723c", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "615e8493-4217-4eb7-b4b6-0bc357e6532f", "node_type": "1", "metadata": {}, "hash": "9a713069a3c31a4217aaa3643b91f379050782247e1972b08509ca856c6b55e3", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "businesses we acquire into our environment in a timely manner, which could further increase these risks until such integration takes place.\nWe have from time to time experienced cybersecurity incidents, such as malware incursions, distributed denial of service attacks, hardware misconfigurations,zero-day exploits, credential harvesting, social engineering attacks, employee misconduct and incidents resulting from human error, such as loss of portable andother data storage devices. Like many companies, we are subject to regular phishing email and social media engineering campaigns directed at our employees thathave become more sophisticated and successful, partly through the use of artificial intelligence, and can result in malware infections and financial and data losses.Although some of these incidents have resulted in data loss and other damages, to date, they have not had a material adverse effect on our business or operations. Inthe future, these types of incidents could result in confidential, restricted personal or proprietary information being lost or stolen, modified, rendered inaccessible forany period of time, or made public, including client, employee or Company data, which could have a material adverse effect on our business.\nImproper access to or disclosure of sensitive client or Company information, which has occurred from time to time, could harm our reputation and subject us tosignificant liability under our contracts, as well as under existing or future laws, rules and regulations. In the event of a cybersecurity incident, we might have to takeour systems offline, which could interfere with services to our clients or damage our reputation. In addition, our liability insurance policy, which includes cyberinsurance, may not be sufficient in type or amount to fully cover us against claims and costs related to security breaches, cybersecurity incidents, and other relateddata and system incidents.\nLegal and Regulatory Risks\nWe are subject to extensive laws and regulations, which increase our costs and could restrict the conduct of our business, and violations or alleged violations ofsuch laws and regulations could have a material adverse effect on our reputation, business and results of operations.\nWe are subject to extensive regulation under the laws of the U.S. and its various states and territories, the E.U. and its member states, the U.K. and the otherjurisdictions in which we operate. We are subject to anti-bribery and anti-corruption laws, such as the FCPA and the U.K. Anti-Bribery Act, trade sanctions, exportcontrol regulations and restrictions and anti-money laundering laws. We are subject to other laws and regulations on matters as diverse as antitrust, internal controlover financial reporting and disclosure controls and procedures, accounting standards implemented by the Financial Accounting Standards Board and accounting-related rules and interpretations of the Securities and Exchange Commission, environmental protection, wage-and-hour standards, and employment and laborrelations. In addition, new or proposed environmental, social and governance laws and regulations, including those related to climate change, may result in expandedmandatory and voluntary reporting, diligence and disclosure.\nThere is also significant uncertainty in the evolving regulatory regime relating to artificial intelligence, which may require substantial resources to modify andmaintain business practices to comply with U.S. and non-U.S. laws. For example, various states have adopted the National Association of Insurance Commissioners(NAIC)\u2019s model bulletin, The Use of Artificial Intelligence Systems by Insurers. Internationally, on December 8, 2023, the European Commission, the EuropeanParliament and the European Council reached political agreement on the terms of the European Union Artificial Intelligence Act. Evolving obligations maynegatively impact our current use and continued exploration of the use of artificial intelligence in our business and may subject us to regulatory scrutiny, litigation,and social and ethical concerns.\nOur domestic and international insurance subsidiaries are subject to extensive regulatory oversight, including: restrictions and requirements related to licensing;capital, surplus and dividends; underwriting limitations; the ability to enter, exit and continue to operate in markets; statutory accounting and other disclosurerequirements; the ability to provide, terminate or cancel certain coverages; premium rates, including regulatory ability to disapprove or reduce the premium ratescompanies may charge; trade and claims practices; product forms, including regulatory ability to disapprove new product filings; content of disclosures toconsumers; type, amount and valuation of investments; assessments or other surcharges for guaranty funds and companies\u2019 ability to recover assessments throughpremium increases; and market conduct and sales practices.\nThe U.S. and foreign laws and regulations that apply to our operations are complex and may change rapidly, and our efforts to comply with them requiresignificant resources and increase the costs and risks of doing business. The regulations we are subject to have become more stringent over time, may decrease theneed for our services, impose significant operational limits on our business and may be inconsistent across jurisdictions.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5394, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "615e8493-4217-4eb7-b4b6-0bc357e6532f": {"__data__": {"id_": "615e8493-4217-4eb7-b4b6-0bc357e6532f", "embedding": null, "metadata": {"page_label": "39", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3fb4b484-1903-4f5c-937b-b809acc47354", "node_type": "4", "metadata": {"page_label": "39", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "c731cde22f9a15835d51c956f34f812a8123ed154d7b009321d977fa7b76723c", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "177288f6-53d0-4fe9-9742-b5e4a9b7a0f1", "node_type": "1", "metadata": {"page_label": "39", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "0958a4b528e8b44888f89ec170a4505d47a22a754723896da3f8567863fbea64", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Further, the laws and regulations affectingour business are subject to change as a result of, among other things, new interpretations and judicial decisions, and any such changes may increase the regulatoryrequirements imposed on us, impact the way we are able to do business, impact efforts to protect intellectual and other property, and significantly harm our businessand results of operations. While we attempt to comply with applicable laws and regulations, there can be no assurance that we or our employees, consultants,contractors and other agents are in full compliance with such laws and regulations at all times or that we will be able to comply with any future laws or regulations.If we fail to comply with applicable laws and regulations, which occurs from time to time, we may be subject to investigations, criminal penalties, civil remedies orother adverse consequences, including fines, injunctions, loss of an\n36", "mimetype": "text/plain", "start_char_idx": 5395, "end_char_idx": 6324, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "c26ff064-5e1f-47f0-bba5-80281fee40ad": {"__data__": {"id_": "c26ff064-5e1f-47f0-bba5-80281fee40ad", "embedding": null, "metadata": {"page_label": "40", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "355b6101-a5e7-4449-a8d2-e9bc82f57731", "node_type": "4", "metadata": {"page_label": "40", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "52fb4bdcdd33f315d4bb5473ce7f66bce9f6ff2108bd101d0c98c3a97e21ea61", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "operating license or approval, increased scrutiny or oversight by regulatory authorities, the suspension of individual employees, limitations on engaging in aparticular business, redress to clients, exposure to negative publicity or reputational damage and harm to client, employee and other relationships. Moreover, ourfailure to comply with laws or regulations in one jurisdiction may result in increased regulatory scrutiny by other regulatory agencies in that jurisdiction orregulatory agencies in other jurisdictions. The costs of compliance and the consequences of non-compliance could have a material adverse effect on our business,\nresults of operations and financial condition. For additional discussion of the various laws and regulations affecting our business, see \u201cItem 1 \u2013 Business \u2013 Regulation\u201d in this Report.\nChanges in tax laws and regulations could have a material adverse impact on our results of operations and financial condition.\nFederal, state and foreign tax laws and regulations, or their interpretation and application, are subject to significant changes that may have a material adverseimpact on our results of operations and financial condition. For example, the Corporate Alternative Minimum Tax (\u201cCAMT\u201d), part of the Inflation Reduction Act of2022, imposes a 15% minimum tax on corporations with annual adjusted financial income exceeding $1 billion and an excise tax of 1% on stock repurchases ofpublicly traded U.S. corporations (\u201cApplicable Corporation\u201d). Although we are not currently an Applicable Corporation, we are monitoring CAMT for futureapplicability. In addition, the Organization for Economic Co-operation and Development\u2019s Pillars Two Model Rules which include new digital taxes and a 15%global minimum tax on income, could increase our tax burden. Many jurisdictions where we operate, including Japan, the European Union, and the United Kingdom,have adopted Pillar Two for tax years beginning in 2024. While we do not currently expect a material tax impact in fiscal 2025, we are monitoring developments andevaluating the potential impact of Pillar Two on future years.\nOur business is subject to risks related to litigation and regulatory actions.\nFrom time to time, we may be, and in certain cases have been, subject to a variety of legal and regulatory actions relating to our current and past businessoperations, including:\n\u2022 industry-wide investigations regarding business practices, including the use and marketing of certain types of insurance policies or certificates of insurance, andcompliance with guidance issued by regulators;\n\u2022 actions by regulatory authorities that may restrict our ability to increase or maintain our premium rates, require us to reduce premium rates, require us to allowcustomers to defer premium payments on certain of our products, make offering our products more expensive or unattractive to our clients, impose fines orpenalties, and result in other expenses;\n\u2022 market conduct examinations, for which we are required to pay the expenses of the regulator as well as our own expenses, and which may result in fines,penalties, and other adverse consequences;\n\u2022 disputes regarding our lender-placed insurance products, including those relating to rates, agent compensation, consumer disclosure, continuous coveragerequirements, loan tracking services and other services that we provide to mortgage servicers;\n\u2022 disputes over coverage or claims adjudication, including in our sharing economy business;\n\u2022 disputes over our treatment of claims, in which states or insureds may allege that we failed to make required payments or meet prescribed deadlines foradjudicating claims;\n\u2022 disputes regarding regulatory compliance, sales practices, disclosures, premium refunds, licensing, underwriting and compensation arrangements, including ifour climate change mitigation plans and targets are not met;\n\u2022 disputes over liability claims under comprehensive general liability policies involving property damage or personal injury at insured properties or relating toinsured vehicles;\n\u2022 disputes alleging bundling of credit insurance and extended service contracts and related products with other products provided by financial institutions;\n\u2022 disputes with tax and insurance authorities regarding our tax liabilities;\n\u2022 investigations alleging violations of fraud, sanctions, money laundering and/or export control laws;\n\u2022 disputes relating to customers\u2019 claims that they were not aware of the full cost or existence of the insurance or limitations on insurance coverage;\n\u2022 disputes relating to protecting our intellectual property portfolio and by third parties alleging intellectual property infringement; and\n\u2022 employment litigation claims brought by current or former employees.\n37", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4755, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "2b2679e5-692c-4e91-8f52-841f80a410c4": {"__data__": {"id_": "2b2679e5-692c-4e91-8f52-841f80a410c4", "embedding": null, "metadata": {"page_label": "41", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a3bd7551-dc09-4892-bfbf-1569623fb2d1", "node_type": "4", "metadata": {"page_label": "41", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b08410626f578b0bf699628aa73e7a5f242f5b9ee97c779dcc0ec4b272f64740", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "cc914848-34b7-4d0d-883e-7ac77372d741", "node_type": "1", "metadata": {}, "hash": "03327b0c70c5a4347347d6b8905633e815565477b455f2cf4710576689d63a82", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Further, actions by certain regulators may cause additional changes to the structure of the lender-placed insurance industry, including the arrangements underwhich we track coverage on mortgaged properties. These changes could materially adversely affect the results of operations of Global Housing and the results of\noperations and financial condition of the Company. For additional information, see \u201cItem 1 \u2013 Business \u2013 Regulation\u201d in this Report.\nWe are involved in a variety of litigation and legal and regulatory proceedings relating to our current and past business operations and may, from time to time,become involved in other such actions. We continue to defend ourselves vigorously in these proceedings.\nWe participate in settlements on terms that we consider reasonable; however, the results of any pending or future litigation and regulatory proceedings areinherently unpredictable and involve significant uncertainty. Unfavorable outcomes in litigation or regulatory proceedings or significant problems in ourrelationships with regulators could materially adversely affect our results of operations, financial condition, reputation, ratings and ability to continue to do business.They could expose us to further investigations or litigation. In addition, certain of our clients in the mortgage, auto financing, credit card and banking industries arethe subject of various regulatory investigations and litigation matters regarding mortgage lending practices, credit insurance, debt-deferment and debt cancellationproducts, and the sale of protection products, which could indirectly negatively affect our businesses. For additional information, see \u201cItem 3 \u2013 Legal Proceedings\u201dand Note 26 to the Consolidated Financial Statements included elsewhere in this Report.\nThe costs of complying with, or our failure to comply with, U.S. and foreign laws related to privacy, data security and data protection could adversely affect ourfinancial condition, operating results and reputation.\nIn providing services and solutions to our customers and operating our business, we process, store and transfer sensitive customer, end-consumer and Companydata, including personal data, in and across multiple jurisdictions. As a result, we are or may become subject to a variety of laws and regulations in the U.S. and\nabroad regarding privacy, data protection and data security. For discussion of the various laws and regulations affecting our business, see \u201cItem 1 \u2013 Business \u2013Regulation\u201d in this Report. The scope and interpretation of these laws and additional laws that are or may be applicable to us are continuously evolving, oftenuncertain and may be conflicting, particularly with respect to foreign laws. All of these evolving compliance and operational requirements impose significant coststhat are likely to increase over time and may restrict the way services involving data are offered, all of which may adversely affect our results of operations.Complying with these and similar laws and regulations requires us to make significant changes to our operations, which rely on the commitment of significantfinancial and managerial resources and effective planning and management processes. We may be unable to implement required operational changes effectively,efficiently or in a timely manner, which could result in cost overruns, additional expenses, reputational harm, legal and regulatory actions and other adverseconsequences.\nUnauthorized disclosure or transfer of personal or otherwise sensitive data, whether through systems failure, employee negligence, fraud, misappropriation orother means, by us, our vendors or other parties with whom we do business could subject us to significant litigation, monetary damages, regulatory enforcementactions, fines, criminal prosecution and other adverse consequences in one or more jurisdictions. Such events could result in negative publicity and damage to ourreputation and cause us to lose clients, which could have a material adverse effect on our results of operations.\nOur business is subject to risks related to reductions in the insurance premium rates we charge.\nWe file rates with the state departments of insurance in the ordinary course of business. The rates associated with the premiums we charge are subject to reviewby regulators. The results of such reviews vary, and regulators could require us to reduce our rates based on various factors, including if they consider our loss ratiosto be too low. Significant rate reductions could materially reduce our profitability.\nFrom time to time we have engaged in discussions and proceedings with certain state regulators regarding our lender-placed insurance business. As previouslydisclosed, we completed a regulatory settlement agreement (the \u201cRSA\u201d) in 2017 to resolve a targeted multistate market conduct examination focused on lender-placed insurance, which includes a number of requirements and restrictions that are applicable in all participating states and U.S. territories. Among other things, theterms of the RSA require more frequent rate filings for lender-placed insurance. This could result in downward pressure on premium rates for these products. If suchfilings result in significant decreases in premium rates for our lender-placed insurance products, our cash flows and results of operations could be materiallyadversely affected.\nChanges in insurance regulation may reduce our profitability and limit our growth.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5448, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "cc914848-34b7-4d0d-883e-7ac77372d741": {"__data__": {"id_": "cc914848-34b7-4d0d-883e-7ac77372d741", "embedding": null, "metadata": {"page_label": "41", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a3bd7551-dc09-4892-bfbf-1569623fb2d1", "node_type": "4", "metadata": {"page_label": "41", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b08410626f578b0bf699628aa73e7a5f242f5b9ee97c779dcc0ec4b272f64740", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "2b2679e5-692c-4e91-8f52-841f80a410c4", "node_type": "1", "metadata": {"page_label": "41", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "300c43d47290d8050952082214a5edf7de058bbc7455a1b1bf9948f2b43d145c", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Changes in insurance regulation may reduce our profitability and limit our growth.\nLegislation or other regulatory reform related to the insurance industry that increases the regulatory requirements imposed on us or that changes the way we areable to do business may significantly harm our business or results of operations. Various state and federal regulatory authorities have taken actions with respect toour lender-placed insurance business, including the multistate market conduct examination and related RSA in 2017. If we were unable for any reason to complywith any new or revised requirements, including the RSA, it could result in substantial costs to us and ongoing reporting and monitoring\n38", "mimetype": "text/plain", "start_char_idx": 5366, "end_char_idx": 6070, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "7d55a057-6739-4c4a-a855-236e8d65968f": {"__data__": {"id_": "7d55a057-6739-4c4a-a855-236e8d65968f", "embedding": null, "metadata": {"page_label": "42", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "5c9815c3-062c-45ed-b3d4-5ec8288b363d", "node_type": "4", "metadata": {"page_label": "42", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "94fcc75f0c2548950119aed1f615c014f8444a5a7a22f1bdb14a377d9d6f91d4", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "obligations, and may materially adversely affect our results of operations and financial condition. In addition, new interpretations of existing laws or new judicialdecisions affecting the insurance industry could adversely affect our business.\nInsurance industry-related legislative or regulatory changes that could significantly harm our subsidiaries and us include:\n\u2022 imposed reductions in premium rates, limitations on the ability to raise premiums on existing policies, limitations on the ability to provide evergreen contractsor new minimum loss ratios;\n\u2022 increases in minimum capital, reserves, liquidity, solvency and other financial viability requirements, such as RBC standards established by the NAIC (each asdefined hereafter);\n\u2022 enhanced or new regulatory requirements intended to prevent future financial crises or to otherwise ensure the stability of institutions;\n\u2022 new licensing requirements;\n\u2022 restrictions on the ability to offer certain types of insurance products, service contracts or other protection products;\n\u2022 prohibitions or limitations on provider financial incentives and provider risk-sharing arrangements;\n\u2022 more stringent standards of review for claims denials or coverage determinations;\n\u2022 increased regulation relating to lender-placed insurance; and\n\u2022 new or enhanced regulatory requirements that require insurers to pay claims on terms other than those mandated by underlying policy contracts.\nIn addition, regulators in certain states have hired third-party auditors to audit the unclaimed property records of insurance companies operating in those states.Among other companies, we are currently subject to these audits in a number of states and have been responding to information requests from these auditors.\nGeneral Risk Factors\nOur common stock may be subject to stock price and trading volume volatility.\nOur common stock price and trading volume has from time to time and could in the future materially fluctuate in response to a number of events and factors,including: variations in our quarterly operating results, including against expectations; client or business losses; catastrophe and non-catastrophe losses; the operatingand stock price performance of comparable companies; changes in our insurance subsidiaries\u2019 financial strength ratings; changes in our corporate debt ratings;changes to our registered securities; limitations on premium levels or the ability to maintain or raise premiums on existing policies; regulatory developmentsaffecting our products or services; and negative publicity relating to us or our competitors. In addition, macroeconomic, geopolitical conflicts and industryfluctuations, including the current inflationary environment, may materially and adversely affect the trading price or volume of our common stock, regardless of ouractual operating performance.\nEmployee misconduct could harm us by subjecting us to significant legal liability, regulatory scrutiny and reputational harm.\nOur ability to attract, recruit, hire, motivate, develop and retain employees and clients depends upon our corporate culture. Our employees are the cornerstoneof our culture and acts of misconduct by any employee, and particularly by senior management, could erode trust and confidence and damage our reputation. Ouremployees could engage or be accused of engaging in misconduct that subjects us to litigation, regulatory sanctions, financial costs and serious harm to ourreputation or financial position. Employee misconduct could prompt regulators to allege or determine, on the basis of such misconduct, that we have not establishedan adequate program to inform employees of applicable rules or to detect and deter violations of such rules. It is not always possible to deter employee misconductand the precautions we take to detect and prevent misconduct may not be effective. Misconduct by employees, or even unsubstantiated allegations, could have amaterial adverse effect on our financial position, reputation and business.\nApplicable laws and our certificate of incorporation and by-laws may discourage takeovers and business combinations that some stockholders might consider tobe in their best interests.\nApplicable laws and our certificate of incorporation and by-laws may delay, defer, prevent or render more difficult a takeover attempt that our stockholdersmight consider to be in their best interests. For example, Section 203 of the General Corporation Law of the State of Delaware may limit the ability of an \u201cinterestedstockholder\u201d to engage in business combinations with us. An interested stockholder is defined to include persons owning 15% or more of our outstanding votingstock. These provisions may make it difficult for stockholders to replace or remove our directors, which could delay, defer or prevent a change in control. Suchprovisions may prevent our stockholders from receiving the benefit from any premium to the market price of our common stock offered by a bidder in a takeovercontext. Even in the absence of a takeover attempt, the\n39", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5035, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "0698ea5b-519d-46d1-b43a-bad680073c46": {"__data__": {"id_": "0698ea5b-519d-46d1-b43a-bad680073c46", "embedding": null, "metadata": {"page_label": "43", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "cb7c3d1b-4382-43d6-8c85-aca0c18ad5a4", "node_type": "4", "metadata": {"page_label": "43", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "7b7ad943670dbfc6aef7a548e800f1d5192c3e77b7a6129706fe289859bcb3e0", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "existence of these provisions may adversely affect the prevailing market price of our common stock if they are viewed as discouraging future takeover attempts.\nAdditionally, applicable state and foreign insurance laws may require prior approval of an application to acquire control of a domestic insurer. State statutesgenerally provide, and certain foreign statutes provide, that control over a domestic insurer is presumed to exist when any person directly or indirectly owns,controls, has voting power over, or holds proxies representing, 10% or more of the domestic insurer\u2019s voting securities. The application process can be extensive,thereby discouraging the acquisition of a control position.\nOur certificate of incorporation or by-laws contain provisions that permit the Board to issue one or more series of preferred stock, prohibit stockholders fromfilling vacancies on the Board, prohibit stockholders from calling special meetings of stockholders and from taking action by written consent and impose advancenotice requirements for stockholder proposals and nominations of directors to be considered at stockholder meetings.\nItem 1B. Unresolved Staff Comments \nNone.\nItem 1C. Cybersecurity\nWe face a multitude of cybersecurity threats from a range of adversaries. Our vendors, clients, distributors and other third parties with whom we work facesimilar cybersecurity threats, and a cybersecurity incident impacting us or any of these entities could materially adversely affect our business, operations, financialcondition and results of operations.\nBoard Oversight\nThe Board has ultimate oversight of cybersecurity risk. The Board reviews management\u2019s assessment of our key enterprise risks and its strategy with respect toeach risk, including cybersecurity risks, and receives a corresponding risk management update annually. The Information Technology Committee of the Boardreviews the effectiveness of our cybersecurity controls and procedures, including procedures to identify and assess internal and external risks from cybersecuritythreats; controls to prevent and protect from cyberattacks, unauthorized access or other malicious acts and risks; procedures to detect, respond to, mitigate negativeeffects from and remediate cybersecurity attacks; and controls and procedures for fulfilling applicable regulatory reporting and disclosure obligations of the risks andcosts of cybersecurity incidents. Our Chief Information Security Officer (\u201cCISO\u201d) briefs or provides a report to the Information Technology Committee on ourcybersecurity and information security posture and program at least quarterly, including penetration test results and related remediation and significant cybersecurityincidents. The CISO also provides an annual cybersecurity update to the full Board.\nRole of Management\nCybersecurity risk is integrated into our Global Risk Management process. Cybersecurity risk continues to be identified as one of our key enterprise risks. Riskowners from the Management Committee, senior leadership and the Global Risk Management function have been assigned to develop risk mitigation plans, whichare tracked and reported at least quarterly to the Finance and Risk Committee of the Board and annually to the full Board. See \u201cItem 1 \u2013 Business \u2013 Global RiskManagement\u201d for more information on the Global Risk Management function.\nOur CISO, who reports to our Global Technology Officer on the Management Committee, has over 20 years of information technology and security programmanagement experience, holds a Certified Information Security Manager certification and has led our information security team, including information technologycompliance and risk management, since 2009. Our Global Technology Officer joined the Company in 2016 and has over 30 years of information technologyexperience, including leading global digital, security, infrastructure, cloud services and application teams. Prior to joining the Company in 2016, our GlobalTechnology Officer was chief information officer at a large, publicly-traded energy company.\nOur CISO has implemented a management-level governance structure and process to assess, identify, manage and report cybersecurity risks, and to manage ouroverall information security program. The Information Security Board, led by our CISO and comprised of leaders from all of our lines of business and key functionalareas such as Global Risk Management, Privacy and Compliance, as well as members of our information security team, meets quarterly, and is responsible foroverseeing our information security program, including our information security strategy and related policies and standards. The information security team managescybersecurity risks and controls, and continually enhances a global security control framework with the ultimate goal of preventing cybersecurity incidents to theextent feasible, while simultaneously minimizing the business impact should an incident occur.\nRisk Management Policies and Procedures\n40", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4993, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "a2ab9521-e9a9-427b-a9f5-b159c2b4e687": {"__data__": {"id_": "a2ab9521-e9a9-427b-a9f5-b159c2b4e687", "embedding": null, "metadata": {"page_label": "44", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "05e1d3c4-ba04-472a-927d-d4b92359dbb8", "node_type": "4", "metadata": {"page_label": "44", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "c148455005c3df67d816ac8e050216368cf6b2554b3a77288c18acf7340d570e", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "We have implemented cybersecurity policies and standards based on leading industry frameworks, including the ISO 27001 standard and the National Instituteof Standards and Technology Cybersecurity Framework, and we regularly assess our policies and practices, including tabletop exercises, aimed at mitigatingcybersecurity risks. In the event of a cybersecurity incident, we follow our Enterprise Information Security Incident Response Plan (the \u201cIRP\u201d), which outlines stepsfrom incident detection to assessment, response, mitigation, recovery and notification, including to key functional areas such as Global Risk Management, CorporateLaw, Privacy and Compliance, senior leadership and the Board, as appropriate. The IRP includes quantitative and qualitative incident assessment guidance andpromotes engagement with multidisciplinary teams across the enterprise to facilitate real-time information-sharing during a cybersecurity incident.\nEmployees outside of our information security team as well as third-party cybersecurity experts have an important role in our cybersecurity defenses. Werequire employees to participate in annual cybersecurity training and provide them with additional optional training and awareness materials, and we regularlyengage our employees in phishing exercises, reporting results to the Information Technology Committee. In addition, we regularly engage assessors, consultants,auditors and other third parties in our management of cybersecurity risk. For example, third parties are engaged to conduct evaluations of the maturity andeffectiveness of our security program, including testing the design and operational effectiveness of security controls, penetration testing, engaging in independentaudits, reviewing our policies and standards, and consulting on best practices to address new challenges. We also receive threat intelligence from governmentagencies, information sharing and analysis centers, and cybersecurity associations.\nWe rely on our vendors and other third parties, including the continued availability of their products and services, to conduct business and provide services toour clients. A cybersecurity incident at a vendor or other third party could materially adversely impact us. We assess third-party cybersecurity controls through acybersecurity questionnaire and a review of independent cybersecurity rating assessments. Our contracts with third parties generally include security and privacyaddendums where applicable and require counterparties to meet a specific standard of data security and to report cybersecurity incidents to us.\nRisks from Cybersecurity Threats\nWhile we have not experienced a cybersecurity incident that resulted in a material adverse effect on our business, operations, financial condition or results ofoperations, there can be no guarantee that we will not experience such an incident in the future. Although we maintain cybersecurity insurance, the costs andexpenses related to cybersecurity incidents may not be fully insured. See \u201cItem 1A \u2013 Risk Factors \u2013 Technology, Cybersecurity and Privacy Risks \u2013 The failure toeffectively maintain and modernize our technology systems and infrastructure and integrate those of acquired businesses could adversely affect our business\u201d, \u201c \u2013Technology, Cybersecurity and Privacy Risks \u2013 We could incur significant liability if our technology systems or those of third parties are breached or we or thirdparties otherwise fail to protect the security of data residing on our respective systems, which could adversely affect our business and results of operations\u201d and \u201c \u2013Business Strategic and Operational Risks \u2013 Our inability to successfully recover should we experience a business continuity event could have a material adverseeffect on our business, financial condition and results of operations\u201d for more information.\nItem 2. Properties\nWe own four properties. We have a shared headquarters building in Atlanta, Georgia, which serves as our corporate headquarters, as well as the headquartersfor our Global Lifestyle and Global Housing businesses. It is also a primary information technology center. In addition, Global Housing has operations centerslocated in Florence, South Carolina and Springfield, Ohio. In December 2024, we started marketing for sale the property located in Florence, South Carolina. InJanuary 2025, we entered into an agreement to sell our office in Miami, Florida, which had served as a shared office space supporting our Global Lifestyle andGlobal Housing businesses. For more information on the sale, see \u201cItem 7 \u2013 Management\u2019s Discussion and Analysis of Financial Condition and Results ofOperations \u2013 Liquidity and Capital Resources.\u201d In addition, we have started marketing for sale the property located in Florence, South Carolina. We lease officespace and device care centers globally, with terms ranging from month-to-month to twelve years. We believe that our owned and leased properties are sufficient tosupport our current business operations. See Notes 13 and 26 to the Consolidated Financial Statements included elsewhere in this Report for additional informationabout our properties.\nItem 3. Legal Proceedings\nFor a description of any material pending legal proceedings in which we are involved, see \u201cCommitments and Contingencies \u2013 Legal and Regulatory Matters\u201din Note 26 to the Consolidated Financial Statements included elsewhere in this Report, which is hereby incorporated by reference.\nItem 4. Mine Safety Disclosures \n41", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5495, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "c6a64ee2-e671-4b46-b09e-7a86f17d1e73": {"__data__": {"id_": "c6a64ee2-e671-4b46-b09e-7a86f17d1e73", "embedding": null, "metadata": {"page_label": "45", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "682e6e97-858b-47ab-8f3f-d8d5575422cf", "node_type": "4", "metadata": {"page_label": "45", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "81a76bbf5088407a6d0fe8674abb2247421ce1cab073094c18ce3e1f5e38622b", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Not applicable.\n \n42", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 20, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "c6f7eae5-1c9d-42ab-a9f4-68e4349a815b": {"__data__": {"id_": "c6f7eae5-1c9d-42ab-a9f4-68e4349a815b", "embedding": null, "metadata": {"page_label": "46", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "30f9d592-70c8-49af-8055-afe4f3148341", "node_type": "4", "metadata": {"page_label": "46", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f079f5a0f01bf0c31471d8b227a433b23e734f27256192d8d519274a8c676c1c", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "PART II\nItem 5. Market for Registrant\u2019s Common Equity, Related Stockholder Matters and Issuer Purchases of Equity Securities\nOur common stock is listed on the NYSE under the symbol \u201cAIZ.\u201d On February 14, 2025, there were approximately 216 registered holders of record of ourcommon stock.\nStock Performance Graph\nThe following graph compares the cumulative total return (stock price increase plus reinvestment of dividends paid) on our common stock from December 31,2019 through December 31, 2024 with the cumulative total returns for the S&P 400 MidCap Index and the S&P 500 Index, as the broad equity market indexes, andthe S&P 500 Multi-line Insurance Index and the S&P 1500 Property & Casualty Index (\u201cS&P 1500 P&C Index\u201d), as the published industry indexes. Beginning withthe 2024 Form 10-K, we changed one of our benchmark indexes from the S&P 500 Multi-line Insurance Index to the S&P 1500 P&C Index, as we believe it betterreflects our current mix of businesses after our multi-year transformation that included exiting preneed, health and life insurance-related businesses. Data for theS&P 500 Multi-line Insurance Index is provided for comparison purposes only as we transition to use of the S&P 1500 P&C Index. The graph assumes that the valueof the investment in our common stock and each index was $100 on December 31, 2019 and that all dividends were reinvested.\n43", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1378, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "4c5ef33e-ee7d-4672-99fd-7cc8c7f1347f": {"__data__": {"id_": "4c5ef33e-ee7d-4672-99fd-7cc8c7f1347f", "embedding": null, "metadata": {"page_label": "47", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "82fdb262-4c6a-4417-86de-39d45a304872", "node_type": "4", "metadata": {"page_label": "47", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "7e8ffdfbbceb3bf04f9e4960f119bd277bc87922e2db4a836db99d5cac54458b", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Total Values/Annual Return Percentages(Includes reinvestment of dividends)\n Initial Investmentat 12/31/2019\nTOTAL VALUESDecember 31,\nSecurity / Index 2020 2021 2022 2023 2024\nAssurant, Inc. Common Stock $ 100.00 $ 106.09 $ 123.55 $ 100.90 $ 138.75 $ 178.36 \nS&P 500 Index 100.00 118.40 152.39 124.79 157.59 197.02 \nS&P 400 MidCap Index 100.00 113.66 141.80 123.28 143.54 163.54 \nS&P 500 Multi-line Insurance Index 100.00 81.72 119.13 130.65 146.61 158.51 \nS&P 1500 P&C Index 100.00 105.39 126.01 144.67 160.50 214.39 \n  ANNUAL RETURN PERCENTAGESYears Ended December 31,\nSecurity / Index  2020 2021 2022 2023 2024\nAssurant, Inc. Common Stock 6.09 % 16.46 % (18.34)% 37.52 % 28.55 %\nS&P 500 Index 18.40 28.71 (18.11) 26.29 25.02 \nS&P 400 MidCap Index 13.66 24.76 (13.06) 16.44 13.93 \nS&P 500 Multi-line Insurance Index (18.28) 45.78 9.67 12.21 8.12 \nS&P 1500 P&C Index 5.39 19.57 14.80 10.94 33.58 \nIssuer Purchases of Equity Securities\nThe table below provides information regarding purchases of our common stock during the fourth quarter of 2024.\nPeriod in 2024\nTotal Numberof SharesPurchased Average PricePaid Per Share\nTotal Number ofShares Purchased asPart of PubliclyAnnounced Plans orPrograms (1)\nApproximateDollar Value ofShares that May Yetbe PurchasedUnder the Plans or Programs(1)\nOctober 1 \u2013 October 31 98,507 $ 194.37 98,507 $ 475.4 \nNovember 1 \u2013 November 30 134,992 223.27 134,992 445.2 \nDecember 1 \u2013 December 31 325,011 217.47 325,011 374.5 \nTotal fourth quarter 558,510 $ 214.80 558,510 $ 374.5 \n(1) Shares purchased pursuant to the November 2023 publicly announced share repurchase authorization of up to $600.0 million aggregate cost at purchase of outstanding common stock. As of December31, 2024, $374.5 million aggregate cost at purchase remained unused under the repurchase authorization.\nDividend Policy\nAny determination to pay future dividends will be at the discretion of the Board and will be dependent upon various factors, including: our subsidiaries\u2019payments of dividends and other statutorily permissible payments to us; our results of operations and cash flows; our financial condition and capital requirements;general business conditions and growth prospects; any legal, tax, regulatory and contractual restrictions on the payment of dividends; and any other factors the Boarddeems relevant. \nWe are a holding company and, therefore, our ability to pay dividends on our common stock, repurchase shares or debt, service our debt and meet our otherobligations depends primarily on the ability of our subsidiaries to pay dividends and make other statutorily permissible payments to us. Our insurance subsidiariesare subject to significant regulatory and other restrictions limiting their ability to declare and pay dividends. See \u201cItem 1A \u2013 Risk Factors \u2013 Financial Risks \u2013 Oursubsidiaries\u2019 inability to pay us sufficient dividends could prevent us from meeting our obligations and paying future stockholder dividends.\u201d For the year endingDecember 31, 2025, the maximum amount of dividends our regulated U.S. domiciled insurance subsidiaries could pay us under applicable laws and regulations,without prior regulatory approval, is approximately $524.2 million. We may seek approval of regulators to pay dividends in excess of any amounts that would bepermitted without such approval. However, there can be no assurance that we would obtain such approval if sought. Our international and non-insurance subsidiariesprovide additional sources of dividends. Dividends or returns of capital paid by our subsidiaries, net of infusions of liquid assets and excluding amounts used foracquisitions or received from dispositions, was\n44", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3654, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "79656bda-a9ec-459d-8b8e-7f26b9863625": {"__data__": {"id_": "79656bda-a9ec-459d-8b8e-7f26b9863625", "embedding": null, "metadata": {"page_label": "48", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "4c0b7d40-1b5b-47d9-9e07-e5e181286305", "node_type": "4", "metadata": {"page_label": "48", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "86e9a390e8295a9a73d368b51afb8c0da638d09d9b3e8754edc133287d0254cd", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "approximately $804.7 million for the year ended December 31, 2024, of which $420.0 million was generated by our U.S. domiciled insurance subsidiaries.\nPayments of dividends on shares of common stock may be subject to the preferential rights of any preferred stock that the Board may create from time to time.In addition, the Credit Facility restricts payments on our capital stock, including common stock dividends, if an event of default has occurred or if a proposedcommon stock dividend payment would cause an event of default under the Credit Facility. Further, if we elect to defer the payment of interest on our SubordinatedNotes, we generally may not make payments on our capital stock. For more information regarding the Credit Facility, the Subordinated Notes and restrictions on thepayment of dividends by us and our insurance subsidiaries, see \u201cItem 7 \u2013 Management\u2019s Discussion and Analysis of Financial Condition and Results of Operations \u2013Liquidity and Capital Resources.\u201d\nSecurities Authorized for Issuance Under Equity Compensation Plans\nSee Item 12 of this Report for information about securities authorized for issuance under our equity compensation plans.\nItem 6. Reserved\nNot applicable.\nItem 7. Management\u2019s Discussion and Analysis of Financial Condition and Results of Operations. \nThe following discussion and analysis of our financial condition and results of operations should be read in conjunction with our Consolidated FinancialStatements and accompanying notes included elsewhere in this Report. It contains forward-looking statements that involve risks and uncertainties. Our actual resultsmight differ materially from those projected in these forward-looking statements as a result of various factors, including those discussed below and elsewhere in thisReport, particularly under the headings \u201cItem 1A \u2013 Risk Factors\u201d and \u201cForward-Looking Statements.\u201d \nGeneral \nSegment Information\nAs of December 31, 2024, we had two reportable operating segments which are defined based on the manner in which the Company\u2019s chief operating decisionmaker, our CEO, reviews the business to assess performance and allocate resources, and which align to the nature of the products and services offered:\n\u2022 Global Lifestyle: includes mobile device solutions (including extended service contracts, insurance policies and related services), extended service contractsand related services for consumer electronics and appliances, and financial services and other insurance products (referred to as \u201cConnected Living\u201d); andvehicle protection services, commercial equipment services and other related services (referred to as \u201cGlobal Automotive\u201d); and\n\u2022 Global Housing: includes lender-placed homeowners, manufactured housing and flood insurance, as well as voluntary manufactured housing, condominiumand homeowners insurance (referred to as \u201cHomeowners\u201d); and renters insurance and other products (referred to as \u201cRenters and Other\u201d).\nIn addition, we report the Corporate and Other segment, which includes corporate employee-related expenses and activities of the holding company.\nWe define Adjusted EBITDA, our segment measure of profitability, as net income excluding net realized gains (losses) on investments and fair value changesto equity securities, non-core operations (which consists of certain businesses which we have fully exited or expect to fully exit, including the long-tail commercialliability businesses (sharing economy and small commercial businesses), certain legacy long-duration insurance policies and our operations in mainland China (notHong Kong)), restructuring costs related to strategic exit activities (outside of normal periodic restructuring and cost management activities), Assurant Health runoffoperations, interest expense, provision (benefit) for income taxes, depreciation expense, amortization of purchased intangible assets, as well as other highly variableor unusual items. In 2024, mainland China operations were sold.\nThe following discussion covers the year ended December 31, 2024 (\u201cTwelve Months 2024\u201d) and the year ended December 31, 2023 (\u201cTwelve Months 2023\u201d).Please see the discussion that follows, for each of these segments, for a more detailed comparative analysis. Our comparative analysis of Twelve Months 2023 andthe year ended December 31, 2022 is included under the heading \u201cItem 7. Management\u2019s Discussion and Analysis of Financial Condition and Results of Operations\u201din our Annual Report on Form 10-K for the fiscal year ended December 31, 2023 filed with the SEC on February 15, 2024.\n45", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4554, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "f38b133a-dc27-4758-afe4-03e7f7877173": {"__data__": {"id_": "f38b133a-dc27-4758-afe4-03e7f7877173", "embedding": null, "metadata": {"page_label": "49", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "4918bacf-4e1f-45f9-a05e-b30ae20ca353", "node_type": "4", "metadata": {"page_label": "49", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "42556f181e8df98982683123595cf104e5d95d1d2abea2b5176859e1481450b0", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "77d9e94f-7417-4f0b-90e8-4e1f4108fbc1", "node_type": "1", "metadata": {}, "hash": "3574a8cbca7ac0a7435f833ab042d9173f27dace89e0062b498894a05c823d1f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Executive Summary\nSummary of Financial Results\nConsolidated net income increased $117.7 million, or 18%, to $760.2 million for Twelve Months 2024 from $642.5 million for Twelve Months 2023, primarilydue to higher Global Housing segment earnings, lower impact of foreign exchange, and lower losses from non-core operations and lower restructuring costs,partially offset by higher reportable catastrophes and higher depreciation expense.\nGlobal Lifestyle Adjusted EBITDA decreased $18.9 million, or 2%, to $773.4 million for Twelve Months 2024 from $792.3 million for Twelve Months 2023,primarily driven by elevated claims costs in Global Automotive and approximately $25.0 million of investments in new client programs and capabilities inConnected Living to support future growth. This decrease was partially offset by a modest increase in Connected Living primarily due to increased contributions inGlobal Financial Services, higher investment income and improved results within extended service contracts.\nGlobal Lifestyle net earned premiums, fees and other income increased $405.9 million, or 5%, to $8.97 billion for the Twelve Months 2024 from $8.56 billionfor Twelve Months 2023, primarily due to contributions from newly launched trade-in programs and device protection programs.\nGlobal Housing Adjusted EBITDA increased $97.0 million, or 17%, to $671.2 million for Twelve Months 2024 from $574.2 million for Twelve Months 2023,primarily driven by growth in Homeowners, partially offset by $134.2 million of higher pre-tax reportable catastrophes. Excluding reportable catastrophes, AdjustedEBITDA increased 34% due to top-line growth and expense leverage within Homeowners, more favorable prior year reserve development, lower reinsurance costs,and growth in Renters from the property management channel.\nGlobal Housing net earned premiums, fees and other income increased $314.1 million, or 15%, to $2.46 billion for Twelve Months 2024 from $2.14 billion forTwelve Months 2023, primarily due to Homeowners top-line growth, including growth in policies in-force and higher average premiums within lender-placed, aswell as growth across various specialty Homeowners products.\nCorporate and Other Adjusted EBITDA was $(122.2) million for Twelve Months 2024 compared to $(109.0) million for Twelve Months 2023, primarily drivenby higher third-party and employee-related expenses.\nIn addition, the California Wildfires began in January 2025, causing significant damage throughout the Los Angeles metropolitan area and surrounding regions.At the time of this filing, the claims process continues and our current view is that reportable catastrophes from the California Wildfires are expected to approach or\nslightly exceed our catastrophe reinsurance program per event retention of $150 million. There is inherent variability in our estimates of early loss projections andclaims severity, and therefore the estimate may change as additional information emerges.\nCritical Factors Affecting Results \nOur results depend on, among other things, the appropriateness of our product pricing, underwriting, the accuracy of our reserving methodology for futurepolicyholder benefits and claims, the frequency and severity of reportable and non-reportable catastrophes, returns on and values of invested assets, our investmentincome, and our ability to realize greater operational efficiencies and manage our expenses. Our results also depend on our ability to profitably grow our businesses,including our Connected Living, Global Automotive and Renters businesses, and the performance of our Homeowners business. Factors affecting these items,including conditions in the financial markets, the global economy, political conditions and the markets in which we operate, fluctuations in exchange rates, interestrates and inflation, including the current period of inflationary pressures which have impacted claims costs including in the Global Automotive business, and tariffsand global supply chain disruptions may have a material adverse effect on our results of operations or financial condition. For more information on these and otherfactors that could affect our results, see \u201cItem 1A \u2013 Risk Factors.\u201d \nOur results may also be impacted by our ability to continue to grow in the markets in which we operate, which will be impacted by our ability to provide asuperior customer experience, including from our investments in technology and digital initiatives, capitalize on the connected home opportunity and investments toonboard and ramp-up new business. Our mobile business is subject to volatility in mobile device trade-in volumes and margins based on the actual and anticipatedtiming of the release of new devices, carrier promotional programs and sales prices for used devices, as well as to changes in consumer preferences. OurHomeowners revenue is impacted by changes in the housing market, as well as the voluntary insurance market.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4935, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "77d9e94f-7417-4f0b-90e8-4e1f4108fbc1": {"__data__": {"id_": "77d9e94f-7417-4f0b-90e8-4e1f4108fbc1", "embedding": null, "metadata": {"page_label": "49", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "4918bacf-4e1f-45f9-a05e-b30ae20ca353", "node_type": "4", "metadata": {"page_label": "49", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "42556f181e8df98982683123595cf104e5d95d1d2abea2b5176859e1481450b0", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "f38b133a-dc27-4758-afe4-03e7f7877173", "node_type": "1", "metadata": {"page_label": "49", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "6024cfb7cf421e6a70d0650f5e1ac4793e5e838f209fbfca51f2ff5d249fd895", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "In addition, across many of our businesses, we mustrespond to competitive pressures, including the threat of disruption and competition for talent, which has increased due to labor shortages and wage inflation. See\u201cItem 1A \u2013 Risk Factors \u2013 Business, Strategic and Operational Risks \u2013 Significant competitive pressures, changes in customer preferences and disruption couldadversely affect our results of operations,\u201d \u201c \u2013 Our mobile business is subject to the risk of declines in the value and availability of mobile devices, and to regulatorycompliance and other risks\u201d and \u201c \u2013 The success of our business depends on\n46", "mimetype": "text/plain", "start_char_idx": 4936, "end_char_idx": 5554, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "dd08e684-60da-456d-a230-7b76dbcb596a": {"__data__": {"id_": "dd08e684-60da-456d-a230-7b76dbcb596a", "embedding": null, "metadata": {"page_label": "50", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "157c966c-a7b6-4b50-b8e1-2c219785b0d4", "node_type": "4", "metadata": {"page_label": "50", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "54580298b5e5a8571063547f16a335dd7c53a28a402781b81ce50005bb15b47f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "the execution of our strategy, including through the continuing service of key executives, senior leaders, highly-skilled personnel and a high-performing workforce.\u201d\nFor Twelve Months 2024, net cash provided by operating activities was $1.33 billion; net cash used in investing activities was $657.8 million; and net cashused in financing activities was $477.5 million. We had $1.81 billion in cash and cash equivalents as of December 31, 2024. Please see \u201c \u2013 Liquidity and CapitalResources\u201d below for further details.\nRevenues \nWe generate revenues primarily from the sale of our insurance policies, service contracts and related products and services, and from income earned on ourinvestments. Sales of insurance policies are recognized in revenue as earned premiums while sales of administrative services are recognized as fee income. \nOur premium and fee income is supplemented by income earned from our investment portfolio. We recognize revenue from interest payments, dividends,change in market value of equity securities and sales of investments. Currently, our investment portfolio is primarily invested in fixed maturity securities. Bothinvestment income and changes in market value on these investments can be significantly affected by changes in interest rates. \nInterest rate volatility can increase or reduce unrealized gains or losses in our investment portfolios. Interest rates are highly sensitive to many factors,including governmental monetary policies, domestic and international economic and political conditions, inflation and other factors beyond our control. Fluctuationsin interest rates affect our returns on, and the market value of, fixed maturity and short-term investments. \nThe fair market value of the fixed maturity securities in our investment portfolio and the investment income from these securities fluctuate depending ongeneral economic and market conditions. The fair market value generally increases or decreases in an inverse relationship with fluctuations in interest rates, whilenet investment income realized by us from future investments in fixed maturity securities generally increases or decreases with fluctuations in interest rates. We alsohave investments that are subject to pre-payment risk, such as mortgage-backed and asset-backed securities. Interest rate fluctuations may cause actual netinvestment income and/or timing of cash flows from such investments to differ from estimates made at the time of investment. In periods of declining interest rates,mortgage prepayments generally increase and mortgage-backed securities, commercial mortgage obligations and bonds are more likely to be prepaid or redeemed asborrowers seek to borrow at lower interest rates. Therefore, in these circumstances we may be required to reinvest those funds in lower interest-earning investments.\nPlease see \u201cItem 7A \u2013 Quantitative and Qualitative Disclosures About Market Risk\u201d below for further details.\nExpenses \nOur expenses are primarily policyholder benefits, underwriting, selling, general and administrative expenses and interest expense. \nPolicyholder benefits are affected by our claims management programs, reinsurance coverage, contractual terms and conditions, regulatory requirements,economic conditions including inflation, and numerous other factors. Benefits paid or reserves required for future benefits could substantially exceed ourexpectations, causing a material adverse effect on our business, results of operations and financial condition. \nUnderwriting, selling, general and administrative expenses consist primarily of commissions, premium taxes, licenses, fees, amortization of deferred costs,general operating expenses and income taxes. In addition to the restructuring plan announced in December 2022 and amended in 2023, we continue to undertakevarious expense savings initiatives while also making investments in talent, capabilities and technology, among other things, which will impact our expenses.\nWe also incur interest expense related to our debt. \nCritical Accounting Policies and Estimates\nCertain items in our Consolidated Financial Statements are based on estimates and judgment. Differences between actual results and these estimates andjudgments could in some cases have material impacts on our Consolidated Financial Statements. The following critical accounting policies require significantestimates and judgment:\n\u2022 Reserves, Net of Reinsurance\n\u2022 Valuation of Investments\n\u2022 Valuation and Recoverability of Goodwill\nReserves, Net of Reinsurance\nReserves are established using generally accepted actuarial methods and reflect significant judgment and estimates about expected future claim payments.Factors used in their calculation include experience derived from historical claim payments\n47", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4771, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "8aa06a8c-53aa-4a1d-8bbc-ee919d1709e8": {"__data__": {"id_": "8aa06a8c-53aa-4a1d-8bbc-ee919d1709e8", "embedding": null, "metadata": {"page_label": "51", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "5190ca89-677f-424d-8063-8164ba81c299", "node_type": "4", "metadata": {"page_label": "51", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b2a973e1ddb3ff070e1deb64d5ec4ae92f2bc4bbe0b285e462ad26f6bbb11aec", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "and actuarial assumptions. Calculations incorporate assumptions about the incidence of incurred claims, the extent to which all claims have been reported, reportinglags, expenses, inflation rates, future investment earnings, internal claims processing costs and other relevant factors. While the methods of making such estimatesand establishing the related liabilities are periodically reviewed and updated, the estimation of reserves includes an element of uncertainty given that management isusing historical information and methods to project future events and reserve outcomes. \nThe recorded reserves represent our best estimate at a point in time of the ultimate costs of settlement and administration of a claim or group of claims, basedupon actuarial assumptions and projections using facts and circumstances known at the time of calculation. The adequacy of reserves may be impacted by futuretrends in claims severity, frequency, judicial theories of liability and other factors. These variables are affected by both external and internal events, including:changes in the economic cycle, inflation, changes in repair costs, natural or human-made catastrophes, judicial trends, legislative changes and claims handlingprocedures.\nMany of these items are not directly quantifiable and not all future events can be anticipated when reserves are established. Reserve estimates are refined asexperience develops. Adjustments to reserves, both positive and negative, are reflected in the consolidated statement of operations in the period in which suchestimates are updated. \nBecause establishment of reserves is an inherently complex process involving significant judgment and estimates, there can be no certainty that futuresettlement amounts for claims incurred through the financial reporting date will not vary from reported claims reserves. Future loss development could requirereserves to be increased or decreased, which could have a material effect on our earnings in the periods in which such increases or decreases are made. However,based on information currently available, we believe our reserve estimates are adequate. See \u201cItem 1A \u2013 Risk Factors \u2013 Financial Risks \u2013 Our actual claims lossesmay exceed our reserves for claims, requiring us to establish additional reserves or to incur additional expense for settling unreserved liabilities, which could have amaterial adverse effect on our results of operations, profitability and capital\u201d and \u201c \u2013 Financial Risks \u2013 Actual results may differ materially from the analyticalmodels we use to assist in our decision-making in key areas such as pricing, catastrophe risks, reserving and capital management\u201d for more detail on this risk.\nReinsurance Recoverables\nWe utilize reinsurance for loss protection and capital management, business dispositions and client risk and profit sharing. Reinsurance premiums paid areamortized as reductions to premium over the terms of the underlying reinsured policies. Amounts recoverable from reinsurers are estimated in a manner consistentwith claim and claim adjustment expense reserves or future policy benefits reserves. Reinsurance recoverables include amounts we are owed by reinsurers for claimspaid as well as those included in reserve estimates that are subject to the reinsurance.\nWe use a probability of default and loss given default methodology in estimating an expected credit loss allowance, whereby the credit ratings of reinsurers areused in determining the probability of default. The allowance is established for reinsurance recoverables on paid and unpaid future policy benefits and claims andbenefits. Prior to applying default factors, the net exposure to credit risk is reduced for any collateral for which the right of offset exists, such as funds withheld,assets held in trust and letters of credit, which are part of the reinsurance arrangements, with adjustments to include consideration of credit exposure on the collateral.Our methodology incorporates historical default factors for each reinsurer based on their credit rating using comparably rated bonds as published by a major ratingsservice. The allowance is based upon our ongoing review of amounts outstanding, length of collection periods, changes in reinsurer credit standing and other relevantfactors.\nIn the ordinary course of business, we are involved in both the assumption and cession of reinsurance with non-affiliated companies. The following tableprovides details of the reinsurance recoverables balance as of December 31, 2024 and 2023:\n2024 2023\nCeded future policyholder benefits and expense $ 340.7 $ 339.9 \nCeded unearned premium 5,188.5 5,265.2 \nCeded claims and benefits payable 1,808.9 971.4 \nCeded paid losses 241.4 72.7 \nTotal $ 7,579.5 $ 6,649.2 \nFor additional information regarding our reserves and reinsurance recoverables, see Notes 2, 4, 16 and 17 to the Consolidated Financial Statements includedelsewhere in this Report.\nShort Duration Contracts \nClaims and benefits payable reserves for short duration contracts include (1) case reserves for known claims which are unpaid as of the balance sheet date;(2) IBNR reserves for claims where the insured event has occurred but has not been\n48", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5196, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "1d5da0af-2dd4-400d-9dc5-29b8157f52c0": {"__data__": {"id_": "1d5da0af-2dd4-400d-9dc5-29b8157f52c0", "embedding": null, "metadata": {"page_label": "52", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "1b8c0fd4-7d16-4e46-98be-e23777664898", "node_type": "4", "metadata": {"page_label": "52", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "0999949f5d770d0a673048d98cab90212a868c27838b77637a5d3eae365d369e", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "reported to us as of the balance sheet date; and (3) loss adjustment expense reserves for the expected handling costs of settling the claims. Periodically, we reviewemerging experience and make adjustments to our reserves and assumptions where necessary.\nUltimate loss and loss adjustment expenses are estimated utilizing generally accepted actuarial loss reserving methods. Both paid claims development as wellas case incurred development are typically analyzed at the product or product grouping level, considering product size and data credibility. The reserving methodswidely employed by us include the Chain Ladder, Munich Chain Ladder and Bornhuetter-Ferguson methods. For Global Housing, reportable catastrophes areanalyzed and reserved for separately using a frequency and severity approach.\nThe methods all involve aggregating paid and case-incurred loss data by accident quarter (or accident year) and accident age for each product grouping. As thedata ages, development factors are calculated that measure emerging claim development patterns between reporting periods. By selecting loss development factorsindicative of remaining development, known losses are projected to an ultimate incurred basis for each accident period. The underlying premise of the Chain Laddermethod is that future claims development is best estimated using past claims development, whereas the Bornhuetter-Ferguson method employs a combination of pastclaims development and estimates of ultimate losses based on an expected loss ratio. The Munich Chain Ladder method incorporates the correlations between paidand incurred development in projecting future development factors, and is typically more applicable to products experiencing variability in incurred to paid ratios.\nEach of these methods applied to the data groupings produces an estimate of the loss reserves for the product grouping. The best estimate is generally selectedfrom a blend of the different methods. The determination of the best estimate is based on many factors, including:  \n\u2022 the nature and extent of the underlying assumptions;\n\u2022 the quality and applicability of historical data - whether internal or industry data;\n\u2022 current and expected future economic and market conditions;\n\u2022 regulatory, legislative, and judicial considerations;\n\u2022 the extent of data segmentation - data should be homogeneous yet credible enough for loss development methods to apply;\n\u2022 trends in loss frequency and severity for various causes of loss;\n\u2022 consideration of the distribution of loss reserves, management\u2019s selection of the best estimate that may exceed an estimate based on median values,suggesting that favorable development may be more likely than unfavorable development; and\n\u2022 hindsight testing of prior loss estimates - the loss estimates on some product lines will vary from actual loss experience more than others.\nWhen employing the reserving methods, consideration is given to contractual requirements, historical utilization trends and payment patterns, coveragechanges, seasonality, product mix, the legislative and regulatory environment, economic factors, natural catastrophes and other relevant factors. We consistentlyapply reserving principles and methodologies from year to year, while also giving due consideration to the potential variability of these factors.\nWhile management has used judgment in establishing its best estimate of required reserves, different assumptions and variables could lead to significantlydifferent reserve estimates. Two key measures of loss activity are loss frequency, which is a measure of the number of claims per unit of insured exposure, and lossseverity, which is a measure of the average size of claims. Factors affecting loss frequency include the effectiveness of loss controls, changes in economic activityand weather patterns. Factors affecting loss severity include changes in policy limits, retentions, rate of inflation and judicial interpretations. \nIf the actual level of loss frequency and severity are higher or lower than expected, the ultimate reserves required will be different than management\u2019s estimate.The effect of higher and lower levels of loss frequency and severity on our ultimate costs for claims occurring in 2024 would be as follows:\n49", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4266, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "0cb82b73-a72c-4639-8b2f-6ea44b39324b": {"__data__": {"id_": "0cb82b73-a72c-4639-8b2f-6ea44b39324b", "embedding": null, "metadata": {"page_label": "53", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "4b589ef0-5e76-4dce-b9fd-6b7d5a0da28e", "node_type": "4", "metadata": {"page_label": "53", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "08601f7e6ab5c98e2f5bfaa7f3e6331128662d7909d711160e71038ccecc988b", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Change in both loss frequency and severity for all Global Lifestyle and Global Housing\nUltimate cost of claims occurring in2024 Change in cost of claims occurringin 2024\n3% higher $ 2,765.8 $ 158.8 \n2% higher $ 2,712.3 $ 105.3 \n1% higher $ 2,659.4 $ 52.4 \nBase scenario (1) $ 2,607.0 $ \u2014 \n1% lower $ 2,555.1 $ (51.9)\n2% lower $ 2,503.8 $ (103.2)\n3% lower $ 2,452.9 $ (154.1)\n(1) Represents the sum of the case reserves and incurred but not reported reserves as of December 31, 2024 for Global Lifestyle and Global Housing.\nNon-Core Operations\nShort duration contracts in non-core operations primarily consist of the sharing economy and small commercial products previously reported within GlobalHousing. While the contracts are classified as short duration, the coverages were predominantly commercial liability and have a long reporting and settlement tailcompared to property coverages which make up most of our core operations.\nThe reserving methodology described for other short duration contacts is applicable for non-core operations. Given the nature of commercial liability coveragesand its relatively long claim runoff duration, additional emphasis is placed on elevated loss activity from increasing attorney involvement and analysis of individualcase reserve adequacy on known claims. This is done through use of average cost per claim methods that include an allowance for future inflation impacts, detailedopen claim inventory analysis, and leveraging industry development patterns to supplement our own historical claims experience.\nLong Duration Contracts, including Disposed and Runoff Long Duration Lines\nReserves for future policy benefits represent the present value of future benefits to policyholders and related expenses less the present value of future netpremiums. Reserve assumptions reflect best estimates for expected investment yield, inflation, mortality, morbidity, expenses and withdrawal rates. Theseassumptions are based on our experience to the extent it is credible, modified where appropriate to reflect current trends, industry experience and provisions forpossible unfavorable deviation. We also record an unearned revenue reserve which represents premiums received which have not yet been recognized in ourconsolidated statements of operations.\nRisks related to the reserves recorded for certain discontinued individual life, annuity and long-term care insurance policies have been fully ceded viareinsurance. While we have not been released from our contractual obligation to the policyholders, changes in and deviations from economic, mortality, morbidity,and withdrawal assumptions used in the calculation of these reserves will not directly affect our results of operations unless there is a default by the assumingreinsurer.\nValuation of Investments\nIn determining the estimated fair value of our investments, fair values are primarily based on unadjusted quoted prices for identical investments in activemarkets that are readily and regularly obtainable. When such unadjusted quoted prices are not available, estimated fair values are based on quoted prices for identicalor similar investments in markets that are not active, or other observable inputs. If these observable inputs are not available, or observable inputs are notdeterminable, unobservable inputs or adjustments to observable inputs requiring management judgment are used to determine the estimated fair value ofinvestments. The methodologies, assumptions and inputs utilized are described in Note 9 to the Consolidated Financial Statements.\nFinancial markets are susceptible to severe events evidenced by rapid depreciation in asset values accompanied by a reduction in asset liquidity. Our ability tosell investments and the price ultimately realized for investments depends upon the demand and liquidity in the market.\nSee also Notes 2, 7 and 9 to the Consolidated Financial Statements included elsewhere in this Report, \u201cItem 1A \u2013 Risk Factors \u2013 Financial Risks \u2013 Ourinvestment portfolio is subject to credit, liquidity and other risks that may adversely affect our results of operations and financial condition\u201d and \u201c \u2013 Investments\u201dcontained in this Item 7. \nValuation and Recoverability of Goodwill\nOur goodwill related to acquisitions of businesses was $2.62 billion and $2.61 billion as of December 31, 2024 and 2023, respectively. We review our goodwillannually in the fourth quarter for impairment, or more frequently if indicators of impairment exist. Such indicators include: a significant adverse change in legalfactors, an adverse action or assessment by a regulator, unanticipated competition, loss of key personnel or a significant decline in our expected future cash flows dueto\n50", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4707, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "5ca8fe7d-f23b-4109-808f-0a6d10f3d032": {"__data__": {"id_": "5ca8fe7d-f23b-4109-808f-0a6d10f3d032", "embedding": null, "metadata": {"page_label": "54", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "fb6b6f39-7627-4955-963b-ab06d76f6bc2", "node_type": "4", "metadata": {"page_label": "54", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "494565fad797ff3acf2cbacac48ed1d0c6b0075e8784974c02e84225ce516c90", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "changes in company-specific factors or the broader business climate. The evaluation of such factors requires considerable management judgment. Any adversechange in these factors could have a significant impact on the recoverability of goodwill and could have a material impact on our Consolidated FinancialStatements. \nGoodwill is tested for impairment at the reporting unit level, which is either at the operating segment or one level below, if that component is a business forwhich discrete financial information is available and segment management regularly reviews such information. Components within an operating segment can beaggregated into one reporting unit if they have similar economic characteristics. A goodwill impairment loss is measured as the excess of the carrying value,including goodwill, of the reporting unit over its fair value. An impairment loss is limited to the amount of goodwill allocated to the reporting unit.\nOur Global Lifestyle operating segment is disaggregated into two reporting units: Connected Living and Global Automotive. Our reporting unit for goodwilltesting was at the same level as the operating segment for Global Housing.\nThe following table illustrates the amount of goodwill carried by operating segment as of the dates indicated:\n December 31,\n 2024 2023\nGlobal Lifestyle (1) $ 2,299.3 $ 2,292.1 \nGlobal Housing 316.7 316.7 \nTotal $ 2,616.0 $ 2,608.8 \n(1) As of December 31, 2024, $793.6 million and $1,505.7 million of goodwill was assigned to the Connected Living and Global Automotive reporting units, respectively. As of December 31, 2023,$785.2 million and $1,506.9 million of goodwill was assigned to the Connected Living (including Global Financial Services which was aggregated with Connected Living in 2023) and GlobalAutomotive reporting units, respectively.\nQualitative Impairment Testing\nFor the annual October 1, 2024 goodwill impairment test, we performed a qualitative assessment for all reporting units with goodwill (Connected Living,Global Automotive and Global Housing) due to high margins between fair value and book value based on quantitative impairment testing in 2023. Based on thisassessment, the Company determined that it was more likely than not that the reporting units\u2019 fair values were more than their respective book values and thereforequantitative impairment testing was not necessary for Connected Living, Global Automotive and Global Housing as of October 1, 2024.\nShould the operating results of these reporting units decline substantially compared to projected results, or changes to macroeconomic conditions having apotential impact of substantially reducing future profitability of the reporting units, we could determine that we need to perform an updated impairment test due tothe potential impairment indicators, which may require the recognition of a goodwill impairment loss in any of the reporting units.\nRefer to Note 14 to the Consolidated Financial Statements included elsewhere in this Report for further detail.\nRecent Accounting Pronouncements\nPlease see Note 2 to the Consolidated Financial Statements included elsewhere in this Report.\n51", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3142, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "faded045-95ed-436d-8e95-b11274ba4d06": {"__data__": {"id_": "faded045-95ed-436d-8e95-b11274ba4d06", "embedding": null, "metadata": {"page_label": "55", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "804a0e1b-e7be-445a-b5f7-4de52ab57bd8", "node_type": "4", "metadata": {"page_label": "55", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "23b7b6c10b0009262cfa30ff1c1ca039af4bedd43564ae82705af2ed6c9fed57", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Results of Operations\nAssurant Consolidated\nThe table below presents information regarding our consolidated results of operations:\n For the Years Ended December 31,\n 2024 2023\nRevenues:\nNet earned premiums $ 9,795.8 $ 9,388.0 \nFees and other income 1,638.6 1,323.2 \nNet investment income 518.9 489.1 \nNet realized losses on investments and fair value changes to equity securities (75.8) (68.7)\nTotal revenues 11,877.5 11,131.6 \nBenefits, losses and expenses:\nPolicyholder benefits 2,766.5 2,521.8 \nUnderwriting, selling, general and administrative expenses 8,076.7 7,695.1 \nInterest expense 107.0 108.0 \nLoss on extinguishment of debt \u2014 (0.1)\nTotal benefits, losses and expenses 10,950.2 10,324.8 \nIncome before provision for income taxes 927.3 806.8 \nProvision for income taxes 167.1 164.3 \nNet income $ 760.2 $ 642.5 \nYear Ended December 31, 2024 Compared to the Year Ended December 31, 2023\nNet Income\nConsolidated net income increased $117.7 million, or 18%, to $760.2 million for Twelve Months 2024 from $642.5 million for Twelve Months 2023, primarilydriven by higher earnings in Global Housing, a $31.0 million favorable change in after-tax foreign exchange related gains (losses), a $32.2 million after-tax declinein losses related to our non-core operations and a $22.9 million reduction in after-tax restructuring costs related to our previously announced restructuring plan. Theincrease in net income was partially offset by $106.9 million increase in after-tax reportable catastrophes, higher after-tax depreciation expenses of $23.8 million,mainly due to higher software assets placed into service, and lower earnings from Global Lifestyle, mainly due to elevated claims in Global Automotive.\n52", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1708, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "7182d9c8-54de-4acb-a9ef-b2798376cd97": {"__data__": {"id_": "7182d9c8-54de-4acb-a9ef-b2798376cd97", "embedding": null, "metadata": {"page_label": "56", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "e1c3315a-415e-4cff-8409-bf132bdb991c", "node_type": "4", "metadata": {"page_label": "56", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "eafc212e47b03b66ba4cc82d1b650fa8a7fdeb339acc13432d4920583ab0d83b", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Global Lifestyle\nThe table below presents information regarding the Global Lifestyle segment\u2019s results of operations for the periods indicated:\n For the Years Ended December 31,\n 2024 2023\nRevenues:\nNet earned premiums $ 7,506.0 $ 7,362.6 \nFees and other income 1,461.3 1,198.8 \nNet investment income 356.6 347.5 \nTotal revenues 9,323.9 8,908.9 \nBenefits, losses and expenses:\nPolicyholder benefits 1,738.6 1,607.9 \nSelling and underwriting expenses 4,770.4 4,789.3 \nCost of sales 841.6 564.2 \nGeneral expenses 1,199.9 1,155.2 \nTotal benefits, losses and expenses 8,550.5 8,116.6 \nGlobal Lifestyle Adjusted EBITDA $ 773.4 $ 792.3 \nNet earned premiums, fees and other income:\nConnected Living $ 4,807.9 $ 4,376.8 \nGlobal Automotive 4,159.4 4,184.6 \nTotal $ 8,967.3 $ 8,561.4 \nNet earned premiums, fees and other income:\nDomestic $ 6,970.2 $ 6,739.5 \nInternational 1,997.1 1,821.9 \nTotal $ 8,967.3 $ 8,561.4 \nYear Ended December 31, 2024 Compared to the Year Ended December 31, 2023\nAdjusted EBITDA decreased $18.9 million, or 2%, to $773.4 million for Twelve Months 2024 from $792.3 million for Twelve Months 2023, primarily due toelevated claims costs in Global Automotive, mainly from higher losses in select ancillary products, and from higher labor and parts costs due to inflation, higherexpenses for investments in new client programs and capabilities in Connected Living, declines across mobile from trade-in programs due to the business mix andlower volumes and from mobile device protection from higher loss experience, and the unfavorable impact of foreign exchange. The decrease in Adjusted EBITDAwas partially offset by higher net investment income across Global Lifestyle, as well as improved contributions from our financial services business and improvedresults within extended service contracts.\nTotal revenues increased $415.0 million, or 5%, to $9.32 billion for Twelve Months 2024 from $8.91 billion for Twelve Months 2023. Fees and other incomeincreased $262.5 million, or 22%, primarily due to contributions from newly launched global mobile trade-in programs. Net earned premiums increased $143.4million, or 2%, primarily driven by growth from global mobile device protection programs and newly launched program within financial services in ConnectedLiving, partially offset by a decline in extended service contracts in Connected Living and the unfavorable impact of foreign exchange. Net investment incomeincreased $9.1 million, or 3%, primarily due to higher yields on cash, short-term investments and fixed maturity securities.\nTotal benefits, losses and expenses increased $433.9 million, or 5%, to $8.55 billion for Twelve Months 2024 from $8.12 billion for Twelve Months 2023.Cost of sales increased $277.4 million, or 49% mainly due to newly launched global mobile programs. Policyholder benefits increased $130.7 million, or 8%,primarily due to elevated claims costs in Global Automotive, as described above, and from higher claims in the global mobile device protection business and globalfinancial services in Connected Living, partially offset by lower losses for extended service contracts in Connected Living in line with the decrease in net earnedpremiums. General expenses increased $44.7 million, or 4%, due to higher employee-related and information\n53", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3291, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "eb0da267-b04c-40e3-91ff-052fb01b3b5a": {"__data__": {"id_": "eb0da267-b04c-40e3-91ff-052fb01b3b5a", "embedding": null, "metadata": {"page_label": "57", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "2150cbe3-5e9c-4d70-8c2d-a90ad3972ecd", "node_type": "4", "metadata": {"page_label": "57", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b875dc25f656ee713c911ff6efc74235eb4a82622b0c7e9b81dbcd11f6506625", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "technology expenses to support growth, as well as higher expenses relating to investments in new client programs and capabilities in Connected Living, as describedabove. Selling and underwriting expenses decreased $18.9 million, or 0.4% mainly due to lower commission expenses for extended service contracts in ConnectedLiving and Global Automotive, partially offset by higher commissions from global mobile device protection programs.\n54", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 438, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "14989f51-f780-4736-b758-058e97e8c4a4": {"__data__": {"id_": "14989f51-f780-4736-b758-058e97e8c4a4", "embedding": null, "metadata": {"page_label": "58", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "dc6f8f5e-5862-4052-a485-96181f77f5dd", "node_type": "4", "metadata": {"page_label": "58", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e02c3771b84af0af87c0660185c7269d781b2c9d951c5449467bb5006643aa18", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Global Housing\nThe table below presents information regarding the Global Housing segment\u2019s results of operations for the periods indicated:\n For the Years Ended December 31,\n 2024 2023\nRevenues:\nNet earned premiums $ 2,281.0 $ 2,014.5 \nFees and other income 176.0 128.4 \nNet investment income 127.3 109.7 \nTotal revenues 2,584.3 2,252.6 \nBenefits, losses and expenses:\nPolicyholder benefits 1,010.2 862.0 \nSelling and underwriting expenses 158.1 137.1 \nGeneral expenses 744.8 679.3 \nTotal benefits, losses and expenses 1,913.1 1,678.4 \nGlobal Housing Adjusted EBITDA $ 671.2 $ 574.2 \nImpact of reportable catastrophes $ 245.2 $ 111.0 \nNet earned premiums, fees and other income:\nHomeowners $ 1,958.9 $ 1,663.4 \nRenters and Other 498.1 479.5 \nTotal $ 2,457.0 $ 2,142.9 \nYear Ended December 31, 2024 Compared to the Year Ended December 31, 2023\nAdjusted EBITDA increased $97.0 million, or 17%, to $671.2 million for Twelve Months 2024 from $574.2 million for Twelve Months 2023, mainly due tocontinued growth from higher policies in-force, average insured values and premium rates within Homeowners and $52.6 million of favorable year-over-year netimpact to non-catastrophe prior year reserve development. Twelve Months 2024 included $106.7 million of favorable non-catastrophe prior year reservedevelopment compared to $54.1 million in Twelve Months 2023. The increase in Adjusted EBITDA was also driven by ongoing expense leverage from scale andoperating efficiencies, lower reinsurance costs, higher net investment income and growth from Renters from the property management channel, partially offset by$134.2 million of higher reportable catastrophes and a previously disclosed $27.5 million non-run rate adjustment related to a change in earnings patternassumptions.\nTotal revenues increased $331.7 million, or 15%, to $2.58 billion for Twelve Months 2024 from $2.25 billion for Twelve Months 2023. Net earned premiumsincreased $266.5 million, or 13%, primarily driven by Homeowners from higher lender-placed policies in-force, average insured values, higher premium rates andgrowth across various specialty products, partially offset by the non-run rate adjustment described above and exits from certain international markets. Fees and otherincome increased $47.6 million, or 37%, primarily driven by the reclassification of certain service fees from an expense account. Net investment income increased$17.6 million, or 16%, primarily due to higher yields and asset balances on fixed maturity securities, cash and cash equivalents and short-term investments.\nTotal benefits, losses and expenses increased $234.7 million, or 14%, to $1.91 billion for Twelve Months 2024 from $1.68 billion for Twelve Months 2023.Policyholder benefits increased $148.2 million, or 17%, primarily due to higher reportable catastrophe losses and non-catastrophe losses from exposure growth,partially offset by the favorable year-over-year non-catastrophe prior year reserve development. Selling and underwriting expenses increased $21.0 million, or 15%,primarily due to higher costs associated with growth. General expenses increased $65.5 million, or 10%, primarily due to higher costs associated with growth and thereclassification described above.\n55", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3236, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "629228b4-706f-4d09-92c5-694b4940efd8": {"__data__": {"id_": "629228b4-706f-4d09-92c5-694b4940efd8", "embedding": null, "metadata": {"page_label": "59", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "aa59a9ce-29f5-4175-8399-aa575d545dba", "node_type": "4", "metadata": {"page_label": "59", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "9eba7756db09d12826aa4a9845f4d5491bae38e004dfcb8dee41911796593ed9", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Corporate and Other\nThe table below presents information regarding the Corporate and Other segment\u2019s results of operations for the periods indicated:\n For the Years Ended December 31,\n 2024 2023\nRevenues:\nNet earned premiums $ \u2014 $ \u2014 \nFees and other income 0.4 0.2 \nNet investment income 27.2 21.4 \nTotal revenues 27.6 21.6 \nBenefits, losses and expenses\nPolicyholder benefits \u2014 0.1 \nGeneral expenses 149.8 130.5 \nTotal benefits, losses and expenses 149.8 130.6 \nCorporate and Other Adjusted EBITDA $ (122.2) $ (109.0)\nYear Ended December 31, 2024 Compared to the Year Ended December 31, 2023\nAdjusted EBITDA was $(122.2) million for Twelve Months 2024 compared to $(109.0) million for Twelve Months 2023. The increase in the loss wasprimarily due to higher employee-related expenses and higher third-party consulting expenses to support enterprise growth initiatives, partially offset by higher netinvestment income from higher yields and asset balances for fixed maturity securities.\nTotal revenues increased $6.0 million, or 28%, to $27.6 million for Twelve Months 2024 from $21.6 million for Twelve Months 2023, primarily driven by anincrease in net investment income of $5.8 million, or 27%, mostly due to higher yields and asset balances for fixed maturity securities.\nTotal benefits, losses and expenses increased $19.2 million, or 15%, to $149.8 million for Twelve Months 2024 from $130.6 million for Twelve Months 2023,primarily due to an increase in general expenses of $19.3 million, or 15%, primarily driven by higher employee-related expenses and higher third-party consultingexpenses to support enterprise growth initiatives.\n56", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1641, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "f24bf1da-b33e-4355-84e1-a2476aaa2486": {"__data__": {"id_": "f24bf1da-b33e-4355-84e1-a2476aaa2486", "embedding": null, "metadata": {"page_label": "60", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "6758cdd7-4a88-48ca-94e0-6bafe4de84d9", "node_type": "4", "metadata": {"page_label": "60", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "eb0c0d6988632148628773a23b1895062f9e5cb98817cd976e7907761959284d", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Investments \nWe had total investments of $8.54 billion and $8.22 billion as of December 31, 2024 and 2023, respectively. Net unrealized losses on our fixed maturitysecurities portfolio decreased $30.6 million during Twelve Months 2024, from a $380.3 million unrealized loss at December 31, 2023 to a $349.7 million unrealizedloss at December 31, 2024, primarily due to higher yields offset by spreads tightening.\nThe following table shows the credit quality of our fixed maturity securities portfolio as of the dates indicated:\n Fair Value as of\nFixed Maturity Securities by Credit Quality December 31, 2024 December 31, 2023\nAaa / Aa / A $ 3,987.5 55.6 % $ 3,958.7 57.3 %\nBaa 2,699.7 37.6 % 2,564.8 37.1 %\nBa 415.7 5.8 % 318.6 4.6 %\nB and lower 72.2 1.0 % 70.0 1.0 %\nTotal $ 7,175.1 100.0 % $ 6,912.1 100.0 %\nThe following table shows the major categories of net investment income for the periods indicated:\n Years Ended December 31,\n 2024 2023\nFixed maturity securities $ 385.9 $ 335.3 \nEquity securities 13.2 15.2 \nCommercial mortgage loans on real estate 19.2 17.5 \nShort-term investments 18.4 12.9 \nOther investments 21.3 39.1 \nCash and cash equivalents 77.0 85.7 \nTotal investment income 535.0 505.7 \nInvestment expenses (16.1) (16.6)\nNet investment income $ 518.9 $ 489.1 \nNet investment income increased $29.8 million, or 6%, to $518.9 million for Twelve Months 2024 from $489.1 million for Twelve Months 2023. The increasewas primarily driven by higher yields and assets in fixed maturity securities and short term investments, partially offset by lower income in Other investmentsprimarily driven by lower partnership income.\nNet realized losses on investments and fair value changes to equity securities were $75.8 million for Twelve Months 2024 compared to net realized losses oninvestments and fair value changes to equity securities of $68.7 million for Twelve Months 2023. The change in Twelve Months 2024 was primarily driven by salesof fixed maturity securities at a loss as well as impairments in the Assurant Ventures portfolio, partially offset by sales of equity securities at a gain as well asfavorable market valuations in equity securities.\nAs of December 31, 2024, we owned $16.5 million of securities guaranteed by financial guarantee insurance companies. Included in this amount was $15.2million of municipal securities, whose credit rating was A+ with the guarantee, but would have had a rating of AA- without the guarantee.\nFor more information on our investments, see Notes 7 and 9 to the Consolidated Financial Statements included elsewhere in this Report.\nLiquidity and Capital Resources \nThe following section discusses our ability to generate cash flows from each of our subsidiaries, borrow funds at competitive rates and raise new capital tomeet our operating and growth needs. Management believes that we will have sufficient liquidity to satisfy our needs over the next twelve months, including theability to pay interest on our debt and dividends on our common stock.\nOn January 22, 2025, we entered into an agreement to sell our Miami, Florida property for a purchase price of $126.0 million, subject to the buyer receiving therequisite development approvals, which could take 18 to 24 months. If the transaction is consummated pursuant to the terms of the agreement, we expect to record again above the current carrying value of $46.0 million as of December 31, 2024, less estimated costs to sell. We do not anticipate that any such gain will impact ourcapital deployment priorities. There can be no assurance that the transaction will be consummated.\n57", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3595, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "b94a2f2b-ee16-4735-acf1-f9d517d52a4e": {"__data__": {"id_": "b94a2f2b-ee16-4735-acf1-f9d517d52a4e", "embedding": null, "metadata": {"page_label": "61", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "0f7354d5-e4dd-439e-8521-424a33d3a201", "node_type": "4", "metadata": {"page_label": "61", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b0eace50a8c774c736a40002ebe48413d79ccc7d4ecc28ddec0f39a181a7c210", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "22b83970-de55-4480-b3f3-1916bf1c00c3", "node_type": "1", "metadata": {}, "hash": "33ad2fdcc6aa30ba2c39d06d16f18029b8d46e098b2ed6bbd91a9c95726abf9b", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Regulatory Requirements \nAssurant, Inc. is a holding company and, as such, has limited direct operations of its own. Our assets consist primarily of the capital stock of our subsidiaries.Accordingly, our future cash flows depend upon the availability of dividends and other statutorily permissible payments from our subsidiaries, such as paymentsunder our tax allocation agreement and under management agreements with our subsidiaries. Our subsidiaries\u2019 ability to pay such dividends and make such otherpayments is regulated by the states and territories in which our subsidiaries are domiciled. These dividend regulations vary from jurisdiction to jurisdiction and bytype of insurance provided by the applicable subsidiary, but generally require our insurance subsidiaries to maintain minimum solvency requirements and limit theamount of dividends they can pay to the holding company. See \u201cItem 1A \u2013 Risk Factors \u2013 Legal and Regulatory Risks \u2013 Changes in insurance regulation may reduceour profitability and limit our growth.\u201d Along with solvency regulations, the primary driver in determining the amount of capital used for dividends from insurancesubsidiaries is the level of capital needed to maintain desired financial strength ratings from A.M. Best. For the year ending December 31, 2025, the maximumamount of dividends our regulated U.S. domiciled insurance subsidiaries could pay us, under applicable laws and regulations without prior regulatory approval, isapproximately $524.2 million. Our international and non-insurance subsidiaries provide additional sources of dividends.\nRegulators or rating agencies could become more conservative in their methodology and criteria, increasing capital requirements for our insurance subsidiariesor the enterprise. For further information on our ratings and the risks of ratings downgrades, see \u201cItem 1 \u2013 Business \u2013 Ratings\u201d and \u201cItem 1A \u2013 Risk Factors \u2013Financial Risks \u2013 A decline in the financial strength ratings of our insurance subsidiaries could adversely affect our results of operations and financial condition.\u201d\nHolding Company\nAs of December 31, 2024, we had approximately $673.0 million in holding company liquidity, $448.0 million above our targeted minimum level of $225.0million. The target minimum level of holding company liquidity, which can be used for unforeseen capital needs at our subsidiaries or liquidity needs at the holdingcompany, is calibrated based on approximately one year of pre-tax corporate operating losses and interest expenses. We use the term \u201cholding company liquidity\u201d torepresent the portion of cash and other liquid marketable securities held at Assurant, Inc. (out of a total of $760.1 million as of December 31, 2024) which we are nototherwise holding for a specific purpose as of the balance sheet date. We can use such assets for stock repurchases, stockholder dividends, acquisitions and othercorporate purposes.\nDividends or returns of capital paid by our subsidiaries, net of infusions of liquid assets and excluding amounts used for or as a result of acquisitions orreceived from dispositions, were $804.7 million and $772.6 million for Twelve Months 2024 and Twelve Months 2023, respectively. We use these cash inflowsprimarily to pay holding company operating expenses, to make interest payments on indebtedness, to make dividend payments to our common stockholders, to fundinvestments and acquisitions, and to repurchase our common stock. From time to time, we may also seek to purchase outstanding debt in open market repurchases orprivately negotiated transactions.\nDividends and Repurchases\nDuring Twelve Months 2024 and Twelve Months 2023, we made common stock repurchases and paid dividends to our common stockholders of $455.8 millionand $352.3 million, respectively.\nOn January 16, 2025, the Board declared a quarterly dividend of $0.80 per common share payable on March 31, 2025 to stockholders of record as ofFebruary 3, 2025. We paid dividends of $0.80 per common share on December 30, 2024 to stockholders of record as of December 9, 2024. This represented a 11%increase to the quarterly dividend of $0.72 per common share paid on September 30, June 24, and March 25, 2024.\nAny determination to pay future dividends will be at the discretion of the Board and will be dependent upon various factors, including: our subsidiaries\u2019payments of dividends and other statutorily permissible payments to us; our results of operations and cash flows; our financial condition and capital requirements;general business conditions and growth prospects; any legal, tax, regulatory and contractual restrictions on the payment of dividends; and any other factors the Boarddeems relevant.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4685, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "22b83970-de55-4480-b3f3-1916bf1c00c3": {"__data__": {"id_": "22b83970-de55-4480-b3f3-1916bf1c00c3", "embedding": null, "metadata": {"page_label": "61", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "0f7354d5-e4dd-439e-8521-424a33d3a201", "node_type": "4", "metadata": {"page_label": "61", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b0eace50a8c774c736a40002ebe48413d79ccc7d4ecc28ddec0f39a181a7c210", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "b94a2f2b-ee16-4735-acf1-f9d517d52a4e", "node_type": "1", "metadata": {"page_label": "61", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d777b6c86593e2322cdc4e328be96d1fa81c7aabc22658bc4915b7675988c613", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The Credit Facility (as defined below) also contains limitations on our ability to pay dividends to our stockholders and repurchase capital stock if weare in default, or such dividend payments or repurchases would cause us to be in default, of our obligations thereunder. In addition, if we elect to defer the paymentof interest on our 7.00% Fixed-to-Floating Rate Subordinated Notes due March 2048 or our 5.25% Subordinated Notes due January 2061 (refer to \u201c\u2014 Senior andSubordinated Notes\u201d below), we generally may not make payments on or repurchase any shares of our capital stock.\nDuring Twelve Months 2024, we repurchased 1,548,520 shares of our outstanding common stock at a cost of $299.9 million, exclusive of commissions. InNovember 2023, the Board authorized an additional share repurchase program for up to $600.0 million of our outstanding common stock. As of December 31, 2024,$374.5 million aggregate cost at purchase remained unused under the repurchase authorization. The timing and the amount of future repurchases will depend onvarious factors, including those listed above.\n58", "mimetype": "text/plain", "start_char_idx": 4686, "end_char_idx": 5780, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "a2e2d879-265a-4dc4-9196-72af93a451e9": {"__data__": {"id_": "a2e2d879-265a-4dc4-9196-72af93a451e9", "embedding": null, "metadata": {"page_label": "62", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "7f736331-6d16-44b4-8be4-0f899c2f1c98", "node_type": "4", "metadata": {"page_label": "62", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d65d7d57d0de9daa4a3045cb773b34c26184778c03adff4bbcf7412af4ddac32", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Assurant Subsidiaries\nThe primary sources of funds for our subsidiaries consist of premiums and fees collected, proceeds from the sales and maturity of investments and netinvestment income. Cash is primarily used to pay insurance claims, agent commissions, operating expenses and taxes. We generally invest our subsidiaries\u2019 funds inorder to generate investment income.\nWe conduct periodic asset liability studies to measure the duration of our insurance liabilities, to develop optimal asset portfolio maturity structures for oursignificant lines of business and ultimately to assess that cash flows are sufficient to meet the timing of cash needs. These studies are conducted in accordance withformal company-wide Asset Liability Management guidelines. \nTo complete a study for a particular line of business, models are developed to project asset and liability cash flows and balance sheet items under a varied set ofplausible economic scenarios. These models consider many factors including the current investment portfolio, the required capital for the related assets andliabilities, our tax position and projected cash flows from both existing and projected new business. For risks related to modeling, see \u201cItem 1A \u2013 Risk Factors \u2013Financial Risks \u2013Actual results may differ materially from the analytical models we use to assist in our decision-making in key areas such as pricing, catastropherisks, reserving and capital management.\u201d\nAlternative asset portfolio asset allocations are analyzed for significant lines of business. An investment portfolio maturity structure is then selected from theseprofiles given our return hurdle and risk appetite. Scenario testing of significant liability assumptions and new business projections is also performed.\nOur liabilities generally do not include policyholder optionality, which means that the timing of payments is generally insensitive to the interest rateenvironment. In addition, our investment portfolio is largely comprised of highly liquid public fixed maturity securities with a sufficient component of suchsecurities invested that are near maturity which may be sold with minimal risk of loss to meet cash needs.\nGenerally, our subsidiaries\u2019 premiums, fees and investment income, along with planned asset sales and maturities, provide sufficient cash to pay claims andexpenses. However, there may be instances when unexpected cash needs arise in excess of that available from usual operating sources. In such instances, we haveseveral options to raise needed funds, including selling assets from the subsidiaries\u2019 investment portfolios, using holding company cash (if available), issuingcommercial paper, or drawing funds from the Credit Facility.\nSenior and Subordinated Notes \nThe following table shows the principal amount and carrying value of our outstanding debt, less unamortized discount and issuance costs as applicable, as ofDecember 31, 2024 and 2023:\nDecember 31, 2024 December 31, 2023\nPrincipal Amount Carrying Value Principal Amount Carrying Value\n6.10% Senior Notes due February 2026 $ 175.0 $ 174.3 $ 175.0 $ 173.7 \n4.90% Senior Notes due March 2028 300.0 298.6 300.0 298.2 \n3.70% Senior Notes due February 2030 350.0 348.2 350.0 347.9 \n2.65% Senior Notes due January 2032 350.0 347.3 350.0 347.0 \n6.75% Senior Notes due February 2034 275.0 272.8 275.0 272.7 \n7.00% Fixed-to-Floating Rate Subordinated Notes due March 2048 400.0 397.7 400.0 397.0 \n5.25% Subordinated Notes due January 2061 250.0 244.2 250.0 244.1 \nTotal Debt $ 2,083.1 $ 2,080.6 \nIn the next five years, we have two debt maturities in February 2026 and March 2028 when the 2026 Senior Notes and the 2028 Senior Notes, respectively,become due and payable.\nCredit Facility and Commercial Paper Program\nWe have a $500.0 million five-year senior unsecured revolving credit facility (the \u201cCredit Facility\u201d) with a syndicate of banks arranged by JPMorgan ChaseBank, N.A. and Wells Fargo Bank, National Association. The Credit Facility provides for revolving loans and the issuance of multi-bank, syndicated letters of creditand letters of credit from a sole issuing bank in an aggregate amount of $500.0 million, which may be increased up to $700.0 million. The Credit Facility is availableuntil December 2026, provided we are in compliance with all covenants. The Credit Facility has a sublimit for letters of credit issued thereunder of $50.0 million.The proceeds from these loans may be used for our commercial paper program or for general corporate purposes.\n59", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4505, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "1b724e06-8e97-49fa-beaf-70c1f0e8a191": {"__data__": {"id_": "1b724e06-8e97-49fa-beaf-70c1f0e8a191", "embedding": null, "metadata": {"page_label": "63", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "fe07e0cc-47c8-452a-9be9-cd376d90ee91", "node_type": "4", "metadata": {"page_label": "63", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "55f9b41ae444c8fa442082411310bb71926768f36c4cb2a537fc5a9a5ccc8c89", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "We made no borrowings using the Credit Facility during Twelve Months 2024 and no loans were outstanding as of December 31, 2024.\nOur commercial paper program requires us to maintain liquidity facilities either in an available amount equal to any outstanding notes from the program or inan amount sufficient to maintain the ratings assigned to the notes issued from the program. Our commercial paper is rated AMB-1+ by A.M. Best, P-2 by Moody\u2019sand A-2 by S&P. Our subsidiaries do not maintain commercial paper or other borrowing facilities. This program is currently backed up by the Credit Facility, ofwhich $500.0 million was available as of December 31, 2024. \nWe did not use the commercial paper program during Twelve Months 2024 and there were no amounts relating to the commercial paper program outstanding asof December 31, 2024.  \nFor additional information, see Note 18 to the Consolidated Financial Statements included elsewhere in this Report.\nLetters of Credit \nLetters of credit are issued in the ordinary course of business. These letters of credit are supported by commitments under which we are required to indemnifythe financial institution issuing the letter of credit if the letter of credit is drawn. We had $1.8 million and $2.9 million of letters of credit outstanding as ofDecember 31, 2024 and 2023, respectively. \nLimited Recourse Note\nIn 2024, Assurant entered into a financing arrangement pursuant to which it is able to issue a $100 million limited recourse note and, in return, obtain a $100million asset-backed note from a Delaware master trust. As of December 31, 2024 no notes have been issued under this arrangement.\nCash Flows\nWe monitor cash flows at the consolidated, holding company and subsidiary levels. Cash flow forecasts at the consolidated and subsidiary levels are providedon a monthly basis, and we use trend and variance analyses to project future cash needs making adjustments to the forecasts when needed. \nThe table below shows our recent net cash flows for the periods indicated:\n For the Years Ended December 31,\n 2024 2023\nNet cash provided by (used in):\nOperating activities $ 1,332.7 $ 1,138.1 \nInvesting activities (657.8) (637.7)\nFinancing activities (477.5) (403.9)\nEffect of exchange rate changes on cash and cash equivalents (17.1) (5.8)\nNet change in cash $ 180.3 $ 90.7 \nCash Flows for the Years Ended December 31, 2024 and 2023\nOperating Activities \nWe typically generate operating cash inflows from premiums collected from our insurance products, fees received for services and income received from ourinvestments while outflows consist of policy acquisition costs, benefits paid and operating expenses. These net cash flows are then invested to support theobligations of our insurance products and required capital supporting these products. Our cash flows from operating activities are affected by the timing ofpremiums, fees, and investment income received and expenses paid.\nNet cash provided by operating activities was $1.33 billion and $1.14 billion for Twelve Months 2024 and Twelve Months 2023, respectively. The change innet operating cash flows was largely attributable to the timing of tax payments as we received a refund in 2024 related to prior year tax returns as compared topayments in 2023. Also contributing to the change were lower profit share payments to our clients in domestic automotive due to higher losses from inflation. Thiswas partially offset by higher net paid claims and an increase in employee incentive-based payments largely based on the performance of the Company.\nInvesting Activities \nNet cash used in investing activities was $657.8 million and $637.7 million for Twelve Months 2024 and Twelve Months 2023, respectively. The change in netinvesting cash flows was primarily driven by the increased investment of net cash\n60", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3824, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "3884ec28-068b-41bf-b554-9394c4a6c3be": {"__data__": {"id_": "3884ec28-068b-41bf-b554-9394c4a6c3be", "embedding": null, "metadata": {"page_label": "64", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "29912482-a9d0-44b3-a144-9ed70a6cea63", "node_type": "4", "metadata": {"page_label": "64", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "22c374e22b4bd727c578c04842bccb9daea5e204f7c44079194f64ed074be063", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "3b95ae6c-a8c5-4b4f-adaa-1ef81d5ca690", "node_type": "1", "metadata": {}, "hash": "7b6c9b2ebf52e56a9191980266a1aa0d392114fd6732e609ef113bf3cbeafaae", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "provided by operating activities and reinvestment of proceeds from the sale of fixed maturity securities during the period. Also contributing to the change was adecrease in sales of short-term investments due to the timing of working capital needs.\nFinancing Activities \nNet cash used in financing activities was $477.5 million and $403.9 million for Twelve Months 2024 and Twelve Months 2023, respectively. The change in netfinancing cash flows was primarily due to higher share repurchases for Twelve Months 2024 and the issuance of the 2026 Senior Notes during Twelve Months 2023,partially offset by the redemption of our 4.20% 2023 Senior Notes during Twelve Month 2023. For additional information on our debt, see Note 18 to theConsolidated Financial Statements included elsewhere in this Report.\nThe table below shows our cash outflows for taxes, interest and dividends for the periods indicated:\n For the Years Ended December 31,\n 2024 2023 2022\nIncome taxes paid $ (38.9) $ 235.4 $ 127.7 \nInterest paid on debt 107.4 107.4 108.6 \nCommon stock dividends 155.9 152.3 150.2 \nTotal $ 224.4 $ 495.1 $ 386.5 \nContractual Obligations and Commitments\nWe have contractual obligations and commitments to third parties as a result of our operations, as detailed in the table below by maturity date as of December31, 2024: \n As of December 31, 2024\n Total Less than 1Year 1-3Years 3-5Years More than 5Years\nContractual obligations:\nInsurance liabilities (1) $ 2,809.1 $ 2,138.9 $ 534.2 $ 80.3 $ 55.7 \nDebt and related interest 3,592.0 107.3 369.2 467.6 2,647.9 \nOperating leases 71.7 17.7 28.8 18.1 7.1 \nPension obligations and postretirementbenefits (2) 459.6 49.7 98.1 96.2 215.6 \nCommitments:\nInvestment purchases outstanding:\nCommercial mortgage loans on real estate 6.4 6.4 \u2014 \u2014 \u2014 \nCapital contributions to non-consolidatedVIEs 239.2 239.2 \u2014 \u2014 \u2014 \nLiability for unrecognized tax benefits 20.4 \u2014 16.9 \u2014 3.5 \nTotal obligations and commitments $ 7,198.4 $ 2,559.2 $ 1,047.2 $ 662.2 $ 2,929.8 \n(1) Insurance liabilities reflect undiscounted estimated cash payments to be made to policyholders, net of expected future premium cash receipts on in-force policies and excluding fully reinsured runoffoperations. The total gross reserve for fully reinsured runoff operations that was excluded was $642.1 million which, if the reinsurers defaulted, would be payable over a 30+ year period with themajority of the payments occurring after 5 years. Additional information on the reinsurance arrangements can be found in Note 17 to the Consolidated Financial Statements included elsewhere in thisReport. These liabilities also do not include recoverable amounts related to certain high deductible policies in our sharing economy business, included in our non-core operations, for which we areresponsible for paying the entirety of the claim and are subsequently reimbursed by the insured for the deductible portion of the claim. As of December 31, 2024, we had exposure to $168.2 million ofreserves below the deductible that we would be responsible for if the clients were to default on their contractual obligation to pay us the deductible. See Note 4 to the Consolidated FinancialStatements included elsewhere in this Report for more information on our evaluation of the credit risk exposure from these recoverables. As a result, the amounts presented in this table do not agree tothe future policy benefits and expenses and claims and benefits payable in the consolidated balance sheets.(2) Our pension obligations and postretirement benefits include an Assurant Pension Plan, various non-qualified pension plans (including an Executive Pension Plan) and certain life and health carebenefits for retired employees and their dependents (\u201cRetirement Health Benefits\u201d), all of which were frozen in 2016. In February 2020, we amended the Retirement Health Benefits to terminate suchplan benefits to retirees effective December 31, 2024.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3921, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "3b95ae6c-a8c5-4b4f-adaa-1ef81d5ca690": {"__data__": {"id_": "3b95ae6c-a8c5-4b4f-adaa-1ef81d5ca690", "embedding": null, "metadata": {"page_label": "64", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "29912482-a9d0-44b3-a144-9ed70a6cea63", "node_type": "4", "metadata": {"page_label": "64", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "22c374e22b4bd727c578c04842bccb9daea5e204f7c44079194f64ed074be063", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "3884ec28-068b-41bf-b554-9394c4a6c3be", "node_type": "1", "metadata": {"page_label": "64", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "09018637eee7baa4a2573c75f150eebbaff8736fb94a6f49f6530c147a9198de", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Due to the Assurant Pension Plan\u2019s current overfunded status, no contributions were made during 2024 and none are expected to be made in2025. See Note 23 to the Consolidated Financial Statements included elsewhere in this Report for more information.\n61", "mimetype": "text/plain", "start_char_idx": 3922, "end_char_idx": 4175, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "1e03f10b-94ee-4f80-a3cd-c0a753709f17": {"__data__": {"id_": "1e03f10b-94ee-4f80-a3cd-c0a753709f17", "embedding": null, "metadata": {"page_label": "65", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "b235ab30-0be1-40a4-a4b9-05cd79d304c9", "node_type": "4", "metadata": {"page_label": "65", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "4d183e9857febc25e1c54c0809dc660d52243aacf6d7a009f0f7edc4beb1eb4a", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "875bbe49-0e33-4bcf-b961-17a085147d42", "node_type": "1", "metadata": {}, "hash": "96d3cf257a2f51d6660fd247fc902f7f5ccb64eb0dc32bf9a06fd919b4d9aa27", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Liabilities for future policy benefits and expenses have been included in the commitments and contingencies table. Significant uncertainties relating to theseliabilities include mortality, morbidity, expenses, persistency, investment returns, inflation, contract terms and the timing of payments.\nItem 7A. Quantitative and Qualitative Disclosures About Market Risk\nThe following is a discussion of our primary market risk exposures and management of such exposures as of December 31, 2024. There were no othersignificant changes in our primary market risk exposures or in how those exposures were managed for the year ended December 31, 2024, compared to the yearended December 31, 2023. We do not currently anticipate significant changes in our primary market risk exposures or in how those exposures are managed in futurereporting periods based upon what is known or expected to be in effect in future reporting periods.\nMarket risk is the risk of loss from changes in the fair value of our financial instruments, including due to interest rates (including impacts of changes in creditspreads), foreign currency exchange rates and credit risk from counterparties. Market risk is dependent on the volatility and liquidity in the underlying markets inwhich these assets are traded.\nOur investment portfolio consists primarily of fixed maturity securities, denominated in both U.S. dollars and foreign currencies, which are sensitive to changesin interest rates, including impacts of changes in credit spreads, foreign currency exchange rates and credit risk from counterparties. The majority of our fixedincome portfolio is classified as available for sale. The carrying value of our investment portfolio at December 31, 2024 and 2023 was $8.54 billion and $8.22billion, respectively, of which 84% was invested in fixed maturity securities.\nInterest Rate Risk\nInterest rate risk is the possibility that the fair value of liabilities will change more or less than the market value of investments in response to changes ininterest rates, including changes in investment yields and changes in spreads due to credit risks and other factors.\nOur investment portfolio, including our fixed maturity portfolio, has exposure to interest rate risk. Changes in investment values attributable to interest ratechanges are mitigated by corresponding and partially offsetting changes in the economic value of our liabilities. We monitor this exposure through periodic reviewsof our asset and liability positions and we manage interest rate risk by selecting investments with characteristics such as duration, yield, currency and liquiditytailored to the anticipated cash outflow characteristics of our insurance and reinsurance liabilities. Portfolio duration is primarily managed through cash markettransactions. For additional information, see Notes 7 and 9 to the Consolidated Financial Statements included elsewhere in this Report and \u201cItem 7 \u2013 Management\u2019sDiscussion and Analysis of Financial Condition and Results of Operations \u2013 Investments\u201d.\nThe interest rate sensitivity relating to changes in fair value in our fixed maturity portfolio is assessed using hypothetical scenarios that assume parallel shifts ofthe yield curves. Our actual experience may differ from the results indicated below, particularly due to the assumptions reflected or if events occur that were notincluded in the methodology. For more information, see \u201cItem 1A \u2013 Risk Factors \u2013 Financial Risks \u2013 Actual results may differ materially from the analytical modelswe use to assist in our decision-making in key areas such as pricing, catastrophe risks, reserving and capital management.\u201d\nOur sensitivity analysis model produces a loss in fair value in the fixed maturity portfolio of (i) $173.2 million and $170.0 million as of December 31, 2024 and2023, respectively, based on a hypothetical and instantaneous 50 basis point parallel increase in interest rates (including impacts of changes in credit spreads), and(ii) $340.0 million and $333.2 million as of December 31, 2024 and 2023, respectively, based on a hypothetical and instantaneous 100 basis point parallel increase ininterest rates (including impacts of changes in credit spreads).\nOur debt obligations also have exposure to interest rate risk, primarily at the time of refinancing. We monitor market interest rates and evaluate refinancingopportunities for our debt obligations as maturity dates approach. We stagger the maturity dates of our debt to mitigate the interest rate risk in any given year. Foradditional information, see Note 18 to the Consolidated Financial Statements included elsewhere in this Report and \u201cItem 7 \u2013 Management\u2019s Discussion andAnalysis of Financial Condition and Results of Operations \u2013 Liquidity and Capital Resources\u201d.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4777, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "875bbe49-0e33-4bcf-b961-17a085147d42": {"__data__": {"id_": "875bbe49-0e33-4bcf-b961-17a085147d42", "embedding": null, "metadata": {"page_label": "65", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "b235ab30-0be1-40a4-a4b9-05cd79d304c9", "node_type": "4", "metadata": {"page_label": "65", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "4d183e9857febc25e1c54c0809dc660d52243aacf6d7a009f0f7edc4beb1eb4a", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "1e03f10b-94ee-4f80-a3cd-c0a753709f17", "node_type": "1", "metadata": {"page_label": "65", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "292224af9d72bec68f1a50f58ed6b4a5db7665299467400991e12cd1209276b7", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Our sensitivity analysis model produces a loss in fair value of our debt obligations of (i) $48.4 million and $54.0 million as of December 31, 2024 and 2023,respectively, based on a hypothetical and instantaneous 50 basis point parallel increase in interest rates, and (ii) $95.3 million and $106.3 million as of December 31,2024 and 2023, respectively, based on a hypothetical and instantaneous 100 basis point parallel increase in interest rates.\nForeign Exchange Risk\nWe are exposed to foreign exchange risk arising from our investments in foreign subsidiaries. Foreign exchange risk is the possibility that changes in exchangerates produce an adverse effect on earnings and equity when measured in domestic\n62", "mimetype": "text/plain", "start_char_idx": 4778, "end_char_idx": 5491, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "adbb3ba2-1f02-42f0-91d7-37fa5a24600a": {"__data__": {"id_": "adbb3ba2-1f02-42f0-91d7-37fa5a24600a", "embedding": null, "metadata": {"page_label": "66", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "412ee7b2-13e6-4381-ae11-2145eacd4847", "node_type": "4", "metadata": {"page_label": "66", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "2a858916c5f9a8bd44eaf6843f1c45cd93377e8877297f199b2aefc5516d45a3", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "1ab780fe-616c-4e72-9aa2-605d1b300efe", "node_type": "1", "metadata": {}, "hash": "3727915e6306f71e367ce8e3b0ad05f574ec1a980d931cd81fb7ba141101a9f1", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "currency. This risk is largest when assets backing liabilities payable in one currency are invested in financial instruments of another currency. To manage foreignexchange risk, our general principle is to invest in assets that match the currency in which we expect liabilities to be paid. Foreign exchange risk is mitigated bymatching our liabilities under insurance policies that are payable in foreign currencies with investments that are denominated in such currencies.\nThe foreign exchange risk sensitivity of the fair value of our investments in foreign subsidiaries is assessed using a hypothetical 10% immediate change in eachof the foreign currency exchange rates to which we are exposed. The modeling technique we use to report our currency exposure does not take into accountcorrelation among foreign currency exchange rates. Our actual experience may differ from the results indicated below, particularly due to the assumptions reflectedor if events occur that were not included in the methodology. For more information, see \u201cItem 1A \u2013 Risk Factors \u2013 Financial Risks \u2013 Actual results may differmaterially from the analytical models we use to assist in our decision-making in key areas such as pricing, catastrophe risks, reserving and capital management\u201d and\u201c\u2013 Fluctuations in the exchange rate of the U.S. Dollar and other foreign currencies may materially and adversely affect our results of operations.\u201d\nThe following table summarizes the net assets (liabilities) denominated in foreign currencies as of December 31, 2024 and 2023 and the sensitivity to ahypothetical strengthening of the U.S. dollar.\nDecember 31, 2024 December 31, 2023 2024 vs. 2023\nValue of net assets(liabilities) Exchange rate perUSD Value of net assets(liabilities) Exchange rate perUSD\n% Change inexchange rate perUSD\nBritish pound sterling (GBP) $ 323.3 1.2684 $ 321.5 1.2649 0.3%\nCanadian dollar (CAD) 239.3 0.6955 233.9 0.7567 (8.1)%\nEuro (EUR) 146.8 1.0514 170.7 1.0924 (3.8)%\nBrazilian real (BRL) 70.6 0.1630 87.3 0.2040 (20.1)%\nAustralian dollar (AUD) 64.7 0.6372 60.5 0.6707 (5.0)%\nMexican peso (MXN) 71.0 0.0497 85.4 0.0583 (14.8)%\nJapanese yen (JPY) 32.4 0.0065 28.6 0.0070 (7.1)%\nNew Zealand dollar (NZD) 15.2 0.5783 12.8 0.6213 (6.9)%\nChilean peso (CLP) 12.1 0.0010 17.6 0.0011 (9.1)%\nArgentine peso (ARS) 13.7 0.0010 8.6 0.0012 (16.7)%\nIndian rupee (INR) 9.4 0.0118 9.0 0.0120 (1.7)%\nOther (various currencies) (5.8) (2.6)\nValue of net assets denominated in foreign currencies $ 992.7 $ 1,033.3 \nNet assets $ 5,106.7 $ 4,809.5 \nAs a percentage of total net assets 19.4 % 21.5 %\nPre-tax decrease in fair value of our investments in foreignsubsidiaries from a hypothetical 10 percent strengthening ofthe USD $ (109.6) $ (116.1)\nPre-tax increase in fair value of our investments in foreignsubsidiaries from a hypothetical 10 percent weakening of theUSD $ 109.6 $ 116.1 \nCredit Risk\nCredit risk is the possibility that counterparties may not be able to meet payment obligations when they become due. A counterparty is any person or entityfrom which cash or other forms of consideration are expected to extinguish a liability or obligation to us. With respect to our market risk sensitive instruments, wehave exposure to credit risk as a holder of fixed maturity securities.\nOur risk management strategy and investment policy is to invest in securities from a diversified pool of issuers and to limit the amount of credit exposure withrespect to any one issuer. We attempt to limit our credit exposure by imposing fixed maturity portfolio limits on individual issuers based upon credit quality, amongother strategies.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3613, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "1ab780fe-616c-4e72-9aa2-605d1b300efe": {"__data__": {"id_": "1ab780fe-616c-4e72-9aa2-605d1b300efe", "embedding": null, "metadata": {"page_label": "66", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "412ee7b2-13e6-4381-ae11-2145eacd4847", "node_type": "4", "metadata": {"page_label": "66", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "2a858916c5f9a8bd44eaf6843f1c45cd93377e8877297f199b2aefc5516d45a3", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "adbb3ba2-1f02-42f0-91d7-37fa5a24600a", "node_type": "1", "metadata": {"page_label": "66", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "eeede4ec3a54c26df9c04e735bf2ace021b4e8afde9099e4a3b452a1e7619583", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "For additional information, refer to \u201cItem 7 \u2013 Management\u2019s Discussion and Analysis of Financial Condition and Results of Operations \u2013Investments\u201d and Notes 4 and 7 to the Consolidated Financial Statements included elsewhere in this Report.\n63", "mimetype": "text/plain", "start_char_idx": 3614, "end_char_idx": 3857, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "98939d49-fce5-4ae5-9646-f379403c25ab": {"__data__": {"id_": "98939d49-fce5-4ae5-9646-f379403c25ab", "embedding": null, "metadata": {"page_label": "67", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "e3301f7f-1f1b-4fa5-8e18-8f0f968308ba", "node_type": "4", "metadata": {"page_label": "67", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "2657ec454eca827d0f3683506f27ace9c1e731c4de850687558e21bac6eb4c18", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Item 8. Financial Statements and Supplementary Data \nThe Consolidated Financial Statements and Financial Statement Schedules in Part IV, Item 15(a)(1) and (2) of this Report are incorporated by reference intothis Item 8. \nItem 9. Changes in and Disagreements with Accountants on Accounting and Financial Disclosure \nNone. \nItem 9A. Controls and Procedures\nEvaluation of Disclosure Controls and Procedures \nOur management, with the participation of our CEO and our CFO, has evaluated the effectiveness of our disclosure controls and procedures pursuant to Rule13a-15(b) or 15d-15(b) under the Exchange Act as of December 31, 2024. Based on such evaluation, management, including our CEO and CFO, has concluded thatas of December 31, 2024, our disclosure controls and procedures were effective and provide reasonable assurance that information we are required to disclose in ourreports under the Exchange Act is recorded, processed, summarized and reported within the time periods specified by the SEC\u2019s rules and forms. Our CEO and CFOalso have concluded that as of December 31, 2024, information that we are required to disclose in our reports under the Exchange Act is accumulated andcommunicated to our management, including our CEO and CFO, as appropriate to allow timely decisions regarding required disclosure. \nManagement\u2019s Annual Report on Internal Control Over Financial Reporting \nOur management is responsible for establishing and maintaining adequate internal control over financial reporting for us as defined in Rule 13a-15(f) or 15d-15(f) under the Exchange Act. \nA company\u2019s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting andthe preparation of financial statements for external purposes in accordance with GAAP. A company\u2019s internal control over financial reporting includes policies andprocedures that: (1) pertain to the maintenance of records that in reasonable detail accurately and fairly reflect the transactions and dispositions of the assets of thecompany; (2) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financial statements in accordance with GAAP, andthat receipts and expenditures of the company are being made only in accordance with authorizations of management and directors of the company; and (3) providereasonable assurance regarding prevention or timely detection of unauthorized acquisition, use or disposition of the company\u2019s assets that could have a materialeffect on the financial statements. Because of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also,projections of any evaluation of effectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or thatthe degree of compliance with the policies or procedures may deteriorate. \nOur management, with the participation of our CEO and CFO, evaluated the effectiveness of our internal control over financial reporting as of December 31,2024 using criteria established in Internal Control \u2013 Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the TreadwayCommission (COSO). \nManagement, including our CEO and CFO, based on its evaluation of our internal control over financial reporting, has concluded that our internal control overfinancial reporting was effective as of December 31, 2024. \nThe effectiveness of our internal control over financial reporting as of December 31, 2024 has been audited by PricewaterhouseCoopers LLP, an independentregistered public accounting firm, as stated in their report which appears herein.\nChanges in Internal Control Over Financial Reporting \nThere were no changes in our internal control over financial reporting during the quarterly period ended December 31, 2024 that have materially affected, orare reasonably likely to materially affect, our internal control over financial reporting.\nItem 9B. Other Information \nRule 10b5-1 and non-Rule 10b5-1 Trading Arrangements\nNone.\nItem 9C. Disclosure Regarding Foreign Jurisdictions that Prevent Inspections\nNot applicable.\n64", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4209, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "606e39cb-32b4-4c4f-bebf-9a45df43565c": {"__data__": {"id_": "606e39cb-32b4-4c4f-bebf-9a45df43565c", "embedding": null, "metadata": {"page_label": "68", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "e6c02d11-9db8-44a3-9f0a-f571a67f0baa", "node_type": "4", "metadata": {"page_label": "68", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ca31d1ca404f10c264c0b6d9fbb4f633c67ba1a65e87e1c83237b4d0cf75631d", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "PART III\nItem 10. Directors, Executive Officers and Corporate Governance\nThe information required under this Item 10 regarding directors is incorporated by reference to the information in our upcoming 2025 Proxy Statement (the\u201c2025 Proxy Statement\u201d) under the caption \u201cProposals Requiring Your Vote \u2013 Proposal One \u2013 Election of Directors.\u201d The information required under this Item 10regarding executive officers is incorporated by reference to the information in the 2025 Proxy Statement under the caption \u201cExecutive Officers.\u201d The informationrequired under this Item 10 regarding compliance with Section 16(a) of the Exchange Act is incorporated by reference to the information in the 2025 ProxyStatement under the caption \u201cDelinquent Section 16(a) Reports,\u201d if included in the 2025 Proxy Statement. The information required under this Item 10 regarding ourCode of Business Conduct and Ethics is incorporated by reference to the information in the 2025 Proxy Statement under the caption \u201cCorporate Governance \u2013Corporate Governance Guidelines and Code of Ethics \u2013 Code of Ethics.\u201d The information required under this Item 10 regarding the Nominating and CorporateGovernance Committee and the Audit Committee is incorporated by reference to the information in the 2025 Proxy Statement under the captions \u201cCorporateGovernance \u2013 Director Refreshment, Recruitment, Nomination and Qualifications,\u201d \u201cCorporate Governance \u2013 Board and Committee Leadership and Composition,\u201d\u201cCorporate Governance \u2013 Audit Committee\u201d and \u201cCorporate Governance \u2013 Director Independence.\u201d  The information about the Company\u2019s insider trading policiesand procedures that is required under this Item 10 is incorporated by reference to the information in the 2025 Proxy Statement under the caption \u201cCompensationDiscussion and Analysis \u2013 Our Executive Compensation Practices, Policies & Guidelines \u2013 Insider Trading Policy and Prohibitions on Hedging, Pledging andSpeculative Transactions.\u201d A copy of the Company\u2019s Insider Trading Policy is filed as an exhibit to this Report.\nItem 11. Executive Compensation\nThe information required under this Item 11 is incorporated by reference to the information in the 2025 Proxy Statement under the captions \u201cCompensationDiscussion and Analysis,\u201d \u201cExecutive Compensation\u201d and \u201cDirector Compensation.\u201d The information required under this Item 11 is incorporated by reference to theinformation in the 2025 Proxy Statement regarding the Compensation and Talent Committee under the captions \u201cCorporate Governance \u2013 Compensation and TalentCommittee Interlocks and Insider Participation\u201d and \u201cCompensation and Talent Committee Report.\u201d \nItem 12. Security Ownership of Certain Beneficial Owners and Management and Related Stockholder Matters\nThe information required under this Item 12 is incorporated by reference to the information in the 2025 Proxy Statement under the captions \u201cEquityCompensation Plan Information,\u201d \u201cSecurity Ownership of Certain Beneficial Owners\u201d and \u201cSecurity Ownership of Directors and Executive Officers.\u201d \nItem 13. Certain Relationships and Related Transactions, and Director Independence\nThe information required under this Item 13 is incorporated by reference to the information in the 2025 Proxy Statement under the captions \u201cTransactions withRelated Persons\u201d and \u201cCorporate Governance \u2013 Director Independence.\u201d \nItem 14. Principal Accounting Fees and Services\nThe information required under this Item 14 is incorporated by reference to the information in the 2025 Proxy Statement under the caption \u201cAudit CommitteeMatters \u2013 Fees of Principal Accountants.\u201d \n65", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3588, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "215f128f-fb41-483b-826e-0f10ca46111b": {"__data__": {"id_": "215f128f-fb41-483b-826e-0f10ca46111b", "embedding": null, "metadata": {"page_label": "69", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "7b3b5058-eccd-4961-b548-e9591423f803", "node_type": "4", "metadata": {"page_label": "69", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "df19af7039380f8bc11186c52c7c617c9e180f3f23648fc917678b63a877f7a0", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "PART IV\nItem 15. Exhibits and Financial Statement Schedules\n(a)(1) Consolidated Financial Statements\nThe following Consolidated Financial Statements of Assurant, Inc. are attached hereto:\n Page Number\nConsolidated Financial Statements of Assurant, Inc.\nReport of Independent Registered Public Accounting Firm (PCAOB ID 238) F-1\nConsolidated Balance Sheets as of December 31, 2024 and 2023 F-3\nConsolidated Statements of Operations For Years Ended December 31, 2024, 2023 and 2022 F-4\nConsolidated Statements of Comprehensive Income For Years Ended December 31, 2024, 2023 and 2022 F-5\nConsolidated Statements of Changes in Stockholders\u2019 Equity For Years Ended December 31, 2024, 2023 and 2022 F-6\nConsolidated Statements of Cash Flows For Years Ended December 31, 2024, 2023 and 2022 F-7\nNotes to the Consolidated Financial Statements F-8\n \n(a)(2) Consolidated Financial Statement Schedules\nThe following Consolidated Financial Statement Schedules of Assurant, Inc. are attached hereto:\nSchedule I \u2013 Summary of Investments Other Than Investments in Related Parties as of December 31, 2024 F-75\nSchedule II \u2013 Parent Only Condensed Financial Statements as of December 31, 2023 and 2022 and for Years Ended December 31, 2024, 2023 and2022 F-76\nSchedule III \u2013 Supplementary Insurance Information as of December 31, 2024, 2023 and 2022 F-81\nSchedule IV \u2013 Reinsurance as of December 31, 2024, 2023 and 2022 F-82\nSchedule V \u2013 Valuation and Qualifying Accounts as of December 31, 2024, 2023 and 2022 F-83\n* All other financial statement schedules are omitted because they are not applicable or not required or the information is included in the Consolidated FinancialStatements or the notes thereto.\n(a)(3) Exhibits\nThe following exhibits either (a) are filed with this Report or (b) have previously been filed with the SEC and are incorporated herein by reference to thoseprior filings.\nExhibitNumber Exhibit Description\n2.1Master Transaction Agreement, dated as of September 9, 2015, by and between Assurant, Inc. and Sun Life Assurance Company of Canada(incorporated by reference from Exhibit 2.1 to the Registrant\u2019s Current Report on Form 8-K, originally filed on September 10, 2015).\n2.2Amended and Restated Agreement and Plan of Merger, dated as of January 8, 2018, by and among Assurant, Inc., TWG Holdings Limited,TWG Re, Ltd., Arbor Merger Sub, Inc. and Spartan Merger Sub, Ltd. (incorporated by reference from Exhibit 2.1 to the Registrant\u2019sCurrent Report on Form 8-K, originally filed on January 9, 2018).\n2.3Letter Agreement, dated as of May 31, 2018, by and among Assurant, Inc., TWG Holdings Limited, TWG Re, Ltd and Spartan Merger Sub,Ltd. (incorporated by reference from Exhibit 2.2 to the Registrant\u2019s Current Report on Form 8-K, originally filed on May 31, 2018).\n2.4Equity Purchase Agreement, dated as of March 8, 2021, by and among Assurant, Inc., Interfinancial Inc., CMFG Life Insurance Companyand TruStage Global Holdings, ULC (incorporated by reference from Exhibit 2.1 to the Registrant\u2019s Current Report on Form 8-K originallyfiled on March 9, 2021).\n3.1Amended and Restated Certificate of Incorporation of Assurant, Inc. (incorporated by reference from Exhibit 3.1 to the Registrant\u2019s CurrentReport on Form 8-K, originally filed on May 12, 2017).\n66", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3267, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "aa80beab-b4a2-46d0-9ccb-476062e571c8": {"__data__": {"id_": "aa80beab-b4a2-46d0-9ccb-476062e571c8", "embedding": null, "metadata": {"page_label": "70", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "49a6a77c-b1e9-41d3-a068-6a23ae601b49", "node_type": "4", "metadata": {"page_label": "70", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e7cf64dd8c019c4d5bc274851caf7451c19ad24b9faee728c696451e21df07b1", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "238374eb-d00a-43d9-84f6-9865578e3b7b", "node_type": "1", "metadata": {}, "hash": "d7839638167dc9639fb5930b202ba667f2a33ee8d34af3d2b46295299676c0d6", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "3.2Amended and Restated By-Laws of Assurant, Inc., effective as of November 10, 2022 (incorporated by reference from Exhibit 3.1 to theRegistrant\u2019s Form 8-K, originally filed on November 14, 2022).\n3.3Certificate of Designations of 6.50% Series D Mandatory Convertible Preferred Stock, filed with the Secretary of State of Delaware onMarch 12, 2018 (incorporated by reference from Exhibit 3.1 to the Registrant\u2019s Current Report on Form 8-K, originally filed on March 12,2018).\n4.1Specimen Common Stock Certificate (incorporated by reference from Exhibit 4.1 to the Registrant\u2019s Registration Statement on Form S-1/Aand amendments thereto, originally filed on January 13, 2004).\n4.2Senior Debt Indenture, dated as of February 18, 2004, between Assurant, Inc. and U.S. Bank National Association, successor to SunTrustBank, as trustee (incorporated by reference from Exhibit 10.27 to the Registrant\u2019s Annual Report on Form 10-K, originally filed on March30, 2004).\n4.3Indenture, dated as of March 28, 2013, between Assurant, Inc. and U.S. Bank National Association, as trustee (incorporated by referencefrom Exhibit 4.1 to the Registrant\u2019s Form 8-K, originally filed on March 28, 2013).\n4.4First Supplemental Indenture, dated as of February 28, 2023, between Assurant, Inc. and U.S. Bank Trust Company, National Association(successor to U.S. Bank National Association), as trustee (incorporated by reference from Exhibit 4.2 to the Registrant\u2019s Form 8-K,originally filed on February 28, 2023).\n4.5Subordinated Indenture, dated as of March 27, 2018, between Assurant, Inc. and U.S. Bank National Association, as trustee (incorporatedby reference from Exhibit 4.2 to the Registrant\u2019s Current Report on Form 8-K, originally filed on March 27, 2018).\n4.6Description of the Registrant\u2019s Securities\n4.7Pursuant to Item 601(b)(4)(iii) of Regulation S-K, the Registrant hereby agrees to furnish to the SEC, upon request, a copy of any otherinstrument defining the rights of holders of long-term debt of the Registrant and its subsidiaries.\n10.1Form of Assurant, Inc. Restricted Stock Unit Award Agreement for Time-Based Awards for Directors, effective as of January 1, 2013(incorporated by reference from Exhibit 10.2 to the Registrant\u2019s Annual Report on Form 10-K, originally filed on February 20, 2013). *\n10.2Form of Assurant, Inc. Restricted Stock Unit Award Agreement for Time-Based Awards for Directors, effective as of January 1, 2013(incorporated by reference from Exhibit 10.3 to the Registrant\u2019s Annual Report on Form 10-K, originally filed on February 20, 2013). *\n10.3Amended and Restated Assurant, Inc. Long Term Equity Incentive Plan, effective as of January 1, 2012 (incorporated by reference fromExhibit 10.15 to the Registrant\u2019s Annual Report on Form 10-K, originally filed on February 23, 2012). *\n10.4Form of Assurant, Inc. Restricted Stock Unit Award Agreement for Time-Based Awards for Directors, under the Assurant, Inc. 2017 LongTerm Equity Incentive Plan (incorporated by reference from Exhibit 10.1 to the Registrant\u2019s Form S-8, originally filed on May 12, 2017). *\n10.5Form of Assurant, Inc. Restricted Stock Unit Award Agreement for Time-Based Awards for Non-Employee Directors, effective as ofJanuary 18, 2023 (incorporated by reference from Exhibit 10.1 to the Registrant\u2019s Current Report on Form 8-K, originally filed on March13, 2023).\n10.6Form of Assurant, Inc.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3381, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "238374eb-d00a-43d9-84f6-9865578e3b7b": {"__data__": {"id_": "238374eb-d00a-43d9-84f6-9865578e3b7b", "embedding": null, "metadata": {"page_label": "70", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "49a6a77c-b1e9-41d3-a068-6a23ae601b49", "node_type": "4", "metadata": {"page_label": "70", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e7cf64dd8c019c4d5bc274851caf7451c19ad24b9faee728c696451e21df07b1", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "aa80beab-b4a2-46d0-9ccb-476062e571c8", "node_type": "1", "metadata": {"page_label": "70", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "2ef6bbba368c8f4bd5a3d54ad3d21b9d886a171f8030c3b26bcce95060b19dcd", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "10.6Form of Assurant, Inc. Restricted Stock Unit Award Agreement for Time-Based Awards, effective as of January 18, 2023 (incorporated byreference from Exhibit 10.1 to the Registrant\u2019s Quarterly Report on Form 10-Q, originally filed on May 4, 2023).\n10.7Assurant, Inc. 2017 Long Term Equity Incentive Plan (incorporated by reference from Exhibit 10.1 to the Registrant\u2019s Current Report onForm 8-K, originally filed on May 12, 2017). *\n10.8Assurant, Inc. 2017 Long Term Equity Incentive Plan, as amended (incorporated by reference from Exhibit 10.1 to the Registrant\u2019s CurrentReport on Form 8-K, originally filed on May 14, 2021). *\n10.9Assurant, Inc. 2017 Long Term Equity Incentive Plan, as amended and restated as of December 2, 2022 (incorporated by reference fromExhibit 10.8 to the Registrant\u2019s Annual Report on Form 10-K, originally filed on February 17, 2023).*\n10.10Assurant, Inc. 2017 Long Term Equity Incentive Plan, as amended and restated as of November 8, 2023 (incorporated by reference fromExhibit 10.10 to the Registrant\u2019s Annual Report on Form 10-K, originally filed on February 15, 2024) .*\n10.11Amended and Restated Assurant, Inc. Executive Short Term Incentive Plan, effective as of November 8, 2023 (incorporated by referencefrom Exhibit 10.13 to the Registrant\u2019s Annual Report on Form 10-K, originally filed on February 15, 2024).*\n67", "mimetype": "text/plain", "start_char_idx": 3355, "end_char_idx": 4711, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "1ad7d1f8-cb98-414d-9d34-70360af1eb4a": {"__data__": {"id_": "1ad7d1f8-cb98-414d-9d34-70360af1eb4a", "embedding": null, "metadata": {"page_label": "71", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "46907e16-4a03-42ac-8af0-72bd2809c489", "node_type": "4", "metadata": {"page_label": "71", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b3cd1b65208f3e22f4d67663b61e2e85a6356d030492a331924e1bfcaef2ffcf", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "f4a2f21c-4290-4f3e-877c-b87c1fd064d4", "node_type": "1", "metadata": {}, "hash": "336fb388d54320e5bab0ed8d2643faddd0dffa919232f6a3a39018598fd4b1ee", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "10.12Amended and Restated Assurant, Inc. Executive Short Term Incentive Plan, effective as of November 18, 2024.*\n10.13Amended and Restated Assurant Deferred Compensation Plan, effective as of January 1, 2025.*\n10.14Assurant Executive Pension Plan, amended and restated, effective as of January 1, 2009 (incorporated by reference from Exhibit 10.15 tothe Registrant\u2019s Annual Report on Form 10-K, originally filed on February 27, 2009). *\n10.15Amendment No. 1 to the Assurant Executive Pension Plan, effective as of January 1, 2009 (incorporated by reference from Exhibit 10.33 tothe Registrant\u2019s Annual Report on Form 10-K, originally filed on February 23, 2012). *\n10.16Amendment No. 2 to the Assurant Executive Pension Plan, effective as of January 1, 2010 (incorporated by reference from Exhibit 10.34 tothe Registrant\u2019s Annual Report on Form 10-K, originally filed on February 23, 2012). *\n10.17Amendment No. 3 to the Assurant Executive Pension Plan, effective as of December 31, 2013 (incorporated by reference from Exhibit10.38 to the Registrant\u2019s Annual Report on Form 10-K, originally filed on February 19, 2014). *\n10.18Amendment No. 4 to the Assurant Executive Pension Plan, effective as of February 29, 2016 (incorporated by reference from Exhibit 10.1to the Registrant\u2019s Quarterly Report on Form 10-Q, originally filed on May 3, 2016). *\n10.19Amendment No. 5 to the Assurant Executive Pension Plan, as amended and restated, effective as of January 1, 2025. *\n10.20Assurant Executive 401(k) Plan, amended and restated, effective as of January 1, 2014 (incorporated by reference from Exhibit 10.1 to theRegistrant\u2019s Quarterly Report on Form 10-Q, originally filed on April 29, 2014). *\n10.21Amendment No. 1 to the Assurant Executive 401(k) Plan, as amended and restated, effective as of March 1, 2016 (incorporated byreference from Exhibit 10.27 to the Registrant\u2019s Annual Report on Form 10-K, originally filed on February 14, 2017). *\n10.22Amendment No. 2 to the Assurant Executive 401(k) Plan, as amended and restated, effective as of January 1, 2017 (incorporated byreference from Exhibit 10.29 to the Registrant\u2019s Annual Report on Form 10-K, originally filed on February 14, 2018). *\n10.23Amendment No. 3 to the Assurant Executive 401(k) Plan, as amended and restated, effective as of January 1, 2025. *\n10.24Form of Assurant, Inc. Change in Control Agreement, effective as of November 18, 2024. *\n10.25Form of Assurant, Inc. Change in Control Agreement, effective as of November 18, 2024 (California Version). *\n10.26Assurant, Inc. Amended and Restated Directors Compensation Plan, effective as of May 11, 2023 (incorporated by reference from Exhibit10.1 to the Registrant\u2019s Quarterly Report on Form 10-Q, originally filed on August 3, 2023).*\n10.27Form of Assurant, Inc. Restricted Stock Unit Award Agreement for Time-Based Awards under the Assurant, Inc. 2017 Long Term EquityIncentive Plan, as amended (incorporated by reference from Exhibit 10.1 to the Registrant\u2019s Quarterly Report on Form 10-Q, originallyfiled on May 5, 2022).*\n10.28Form of Assurant, Inc. Restricted Stock Unit Award Agreement for Performance-Based Awards under the Assurant, Inc. 2017 Long TermEquity Incentive Plan, as amended (incorporated by reference from Exhibit 10.2 to the Registrant\u2019s Quarterly Report on Form 10-Q,originally filed on May 5, 2022).*\n10.29Form of Assurant, Inc.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3375, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "f4a2f21c-4290-4f3e-877c-b87c1fd064d4": {"__data__": {"id_": "f4a2f21c-4290-4f3e-877c-b87c1fd064d4", "embedding": null, "metadata": {"page_label": "71", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "46907e16-4a03-42ac-8af0-72bd2809c489", "node_type": "4", "metadata": {"page_label": "71", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b3cd1b65208f3e22f4d67663b61e2e85a6356d030492a331924e1bfcaef2ffcf", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "1ad7d1f8-cb98-414d-9d34-70360af1eb4a", "node_type": "1", "metadata": {"page_label": "71", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "12da93479b45f4518dec73c163e998478bea066bc6a14ec2cdd19d040c25f917", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "*\n10.29Form of Assurant, Inc. Restricted Stock Unit Award Agreement for Performance-Based Awards, effective as of January 18, 2023(incorporated by reference from Exhibit 10.2 to the Registrant\u2019s Quarterly Report on Form 10-Q, originally filed on May 4, 2023). *\n10.30Separation Agreement, dated as of November 14, 2023, by and between Assurant, Inc. and Richard Dziadzio (incorporated by referencefrom Exhibit 10.36 to the Registrant\u2019s Annual Report on Form 10-K, originally filed on February 15, 2024). *\n10.31Second Amended and Restated Credit Agreement, dated as of December 9, 2021, among Assurant, Inc., as borrower, certain lenders partythereto, JPMorgan Chase Bank, N.A., as administrative agent, and Wells Fargo Bank, National Association, as syndication agent(incorporated by reference from Exhibit 10.1 to the Registrant\u2019s Current Report on Form 8-K, originally filed on December 9, 2021).\n68", "mimetype": "text/plain", "start_char_idx": 3346, "end_char_idx": 4248, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "29e50de5-bb03-476b-af36-4f4efbd67aa9": {"__data__": {"id_": "29e50de5-bb03-476b-af36-4f4efbd67aa9", "embedding": null, "metadata": {"page_label": "72", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "61a27bb2-75a6-4ff7-b643-cad1ce4b306e", "node_type": "4", "metadata": {"page_label": "72", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "0155381d49e996c570d9ba053a00a03b0ff0cb2ac615835cb438544349b3e27f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "10.32Purchase and Sale Agreement, dated as of January 22, 2025, between American Bankers Life Assurance Company of Florida (a subsidiaryof the Registrant), as seller, and GPC Miami Business Park, LLC, as buyer.+\n19Assurant, Inc. Insider Trading Policy.+\n21Subsidiaries of the Registrant.\n23Consent of PricewaterhouseCoopers LLP.\n24Power of Attorney.\n31.1Rule 13a-14(a)/15d-14(a) Certification of Principal Executive Officer.\n31.2Rule 13a-14(a)/15d-14(a) Certification of Principal Financial Officer.\n32.1Certification of Chief Executive Officer of Assurant, Inc. pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of theSarbanes-Oxley Act of 2002.\n32.2Certification of Chief Financial Officer of Assurant, Inc. pursuant to 18 U.S.C. Section 1350, as adopted pursuant to Section 906 of theSarbanes-Oxley Act of 2002.\n97Assurant, Inc. Compensation Clawback Policy, effective as of October 2, 2023 (incorporated by reference from Exhibit 97 to theRegistrant\u2019s Annual Report on Form 10-K, originally filed on February 15, 2024). *\n101The following materials from the Company\u2019s Annual Report on Form 10-K for the fiscal year ended December 31, 2024, formatted inXBRL (Extensible Business Reporting Language): (i) the Consolidated Balance Sheets, (ii) the Consolidated Statements of Operations, (iii)the Consolidated Statements of Comprehensive Income, (iv) the Consolidated Statements of Changes in Stockholders\u2019 Equity, (v) theConsolidated Statements of Cash Flows and (vi) Notes to the Consolidated Financial Statements.\n104Cover Page Interactive Data File (embedded within the Inline XBRL document).\n*Management contract or compensatory plan.+Portions of this exhibit have been redacted in compliance with Regulation S-K Item 601(b)(10)(iv).\nItem 16. Form 10-K Summary\nNone.\n69", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1795, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "6069dd2e-8e2e-4175-80b5-d2ed905dda7d": {"__data__": {"id_": "6069dd2e-8e2e-4175-80b5-d2ed905dda7d", "embedding": null, "metadata": {"page_label": "73", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "fbc79701-66fc-4b7b-a20f-a4ac01904c35", "node_type": "4", "metadata": {"page_label": "73", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "57bb69acb6da05430a3f538aad515c46ca3edb08e04e12a0cf9b50ff5350a7ab", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "SIGNATURES\nPursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, as amended, the registrant has duly caused this Report to be signedon its behalf by the undersigned, thereunto duly authorized on February 20, 2025.\nASSURANT, INC.\nBy:  /s/    KEITH W. DEMMINGS\nName:  Keith W. Demmings\nTitle:  President, Chief Executive Officer and Director (Principal ExecutiveOfficer)\n \n70", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 411, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "02662af7-b015-4a07-a01b-7b6eb9dc3b37": {"__data__": {"id_": "02662af7-b015-4a07-a01b-7b6eb9dc3b37", "embedding": null, "metadata": {"page_label": "74", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "bb9ff224-168d-4e5c-8364-dfecca3eaa39", "node_type": "4", "metadata": {"page_label": "74", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "a1e47c784d57d9e40e7e502d7e94ea5a01e71d67ec8c9fc70c3e57ff5bffe340", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Pursuant to the requirements of the Securities Exchange Act of 1934, as amended, this Report has been signed below by the following persons on behalf of theregistrant in the capacities indicated on February 20, 2025.\nSignature   Title\n/s/    KEITH W. DEMMINGS President, Chief Executive Officer and Director (Principal Executive Officer)\nKeith W. Demmings   \n/s/    KEITH R. MEIER Executive Vice President and Chief Financial Officer (Principal Financial Officer)\nKeith R. Meier   \n/s/    DIMITRY DIRIENZO Senior Vice President, Chief Accounting Officer and Controller (Principal Accounting Officer)\nDimitry DiRienzo   \n* Non-Executive Board Chair\nElaine D. Rosen   \n* DirectorRajiv Basu\n* DirectorJ. Braxton Carter   \n* DirectorHarriet Edelman   \n* DirectorSari Granat\n* DirectorLawrence V. Jackson   \n* DirectorDebra J. Perry   \n* DirectorOgnjen Redzic   \n* DirectorPaul J. Reilly\n* DirectorKevin Warren\n \n*By:  /S/    KEITH R. MEIER\nName:  Keith R. Meier\n  Attorney-in-Fact\n71", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 979, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "7fe39006-38f3-4a17-ad91-dd7ff724dfe3": {"__data__": {"id_": "7fe39006-38f3-4a17-ad91-dd7ff724dfe3", "embedding": null, "metadata": {"page_label": "75", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a8257828-2504-42ee-96bf-9372ecce4ce9", "node_type": "4", "metadata": {"page_label": "75", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "464aea3769a17bba3b5a4d09b09fe54167f98b77f9d653b2aef97d108b5bae90", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Report of Independent Registered Public Accounting Firm\nTo the Board of Directors and Stockholders of Assurant, Inc.\nOpinions on the Financial Statements and Internal Control over Financial Reporting\nWe have audited the accompanying consolidated balance sheets of Assurant, Inc. and its subsidiaries (the \"Company\") as of December 31, 2024 and 2023, andthe related consolidated statements of operations, of comprehensive income, of changes in stockholders\u2019 equity and of cash flows for each of the three years in theperiod ended December 31, 2024, including the related notes and financial statement schedules listed in the index appearing under Item 15(a)(2) (collectivelyreferred to as the \"consolidated financial statements\"). We also have audited the Company's internal control over financial reporting as of December 31, 2024, basedon criteria established in Internal Control - Integrated Framework (2013) issued by the Committee of Sponsoring Organizations of the Treadway Commission(COSO).\nIn our opinion, the consolidated financial statements referred to above present fairly, in all material respects, the financial position of the Company as ofDecember 31, 2024 and 2023, and the results of its operations and its cash flows for each of the three years in the period ended December 31, 2024 in conformitywith accounting principles generally accepted in the United States of America. Also in our opinion, the Company maintained, in all material respects, effectiveinternal control over financial reporting as of December 31, 2024, based on criteria established in Internal Control - Integrated Framework (2013) issued by theCOSO.\nBasis for Opinions\nThe Company's management is responsible for these consolidated financial statements, for maintaining effective internal control over financial reporting, andfor its assessment of the effectiveness of internal control over financial reporting, included in Management\u2019s Annual Report on Internal Control over FinancialReporting appearing under Item 9A. Our responsibility is to express opinions on the Company\u2019s consolidated financial statements and on the Company's internalcontrol over financial reporting based on our audits. We are a public accounting firm registered with the Public Company Accounting Oversight Board (UnitedStates) (PCAOB) and are required to be independent with respect to the Company in accordance with the U.S. federal securities laws and the applicable rules andregulations of the Securities and Exchange Commission and the PCAOB.\nWe conducted our audits in accordance with the standards of the PCAOB. Those standards require that we plan and perform the audits to obtain reasonableassurance about whether the consolidated financial statements are free of material misstatement, whether due to error or fraud, and whether effective internal controlover financial reporting was maintained in all material respects.\nOur audits of the consolidated financial statements included performing procedures to assess the risks of material misstatement of the consolidated financialstatements, whether due to error or fraud, and performing procedures that respond to those risks. Such procedures included examining, on a test basis, evidenceregarding the amounts and disclosures in the consolidated financial statements. Our audits also included evaluating the accounting principles used and significantestimates made by management, as well as evaluating the overall presentation of the consolidated financial statements. Our audit of internal control over financialreporting included obtaining an understanding of internal control over financial reporting, assessing the risk that a material weakness exists, and testing andevaluating the design and operating effectiveness of internal control based on the assessed risk. Our audits also included performing such other procedures as weconsidered necessary in the circumstances. We believe that our audits provide a reasonable basis for our opinions.\nDefinition and Limitations of Internal Control over Financial Reporting\nA company\u2019s internal control over financial reporting is a process designed to provide reasonable assurance regarding the reliability of financial reporting andthe preparation of financial statements for external purposes in accordance with generally accepted accounting principles. A company\u2019s internal control over financialreporting includes those policies and procedures that (i) pertain to the maintenance of records that, in reasonable detail, accurately and fairly reflect the transactionsand dispositions of the assets of the company; (ii) provide reasonable assurance that transactions are recorded as necessary to permit preparation of financialstatements in accordance with generally accepted accounting principles, and that receipts and expenditures of the company are being made only in accordance withauthorizations of management and directors of the company; and (iii) provide reasonable assurance regarding prevention or timely detection of unauthorizedacquisition, use, or disposition of the company\u2019s assets that could have a material effect on the financial statements.\nBecause of its inherent limitations, internal control over financial reporting may not prevent or detect misstatements. Also, projections of any evaluation ofeffectiveness to future periods are subject to the risk that controls may become inadequate because of changes in conditions, or that the degree of compliance withthe policies or procedures may deteriorate.\nF-1", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5502, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "3da65344-0112-49b7-b226-6bb7631f6880": {"__data__": {"id_": "3da65344-0112-49b7-b226-6bb7631f6880", "embedding": null, "metadata": {"page_label": "76", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "6507ef4e-5499-449f-b87d-2dbf185ebfb1", "node_type": "4", "metadata": {"page_label": "76", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d118f0f2525a7dd03ec63ab94112c111015d63c67815053c6f80cadb8277e121", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Critical Audit Matters\nThe critical audit matter communicated below is a matter arising from the current period audit of the consolidated financial statements that was communicatedor required to be communicated to the audit committee and that (i) relates to accounts or disclosures that are material to the consolidated financial statements and (ii)involved our especially challenging, subjective, or complex judgments. The communication of critical audit matters does not alter in any way our opinion on theconsolidated financial statements, taken as a whole, and we are not, by communicating the critical audit matter below, providing a separate opinion on the criticalaudit matter or on the accounts or disclosures to which it relates.\nValuation of Claims and Benefits Payable Reserves for Global Lifestyle and Global Housing Short Duration Insurance Contracts\nAs described in Notes 2 and 16 to the consolidated financial statements, the Company maintains claims and benefits payable reserves for short durationinsurance contracts. Reserves are established using generally accepted actuarial methods and reflect judgments about expected future claim payments. The reserveliability is based on the expected ultimate cost of settling the claims. As of December 31, 2024, the Company\u2019s total liability for claims and benefits payable was$2.91 billion, which included $2.61 billion of liabilities for short duration contracts within the Global Lifestyle and Global Housing reporting segments. Claims andbenefits payable reserves include case reserves for known claims which are unpaid as of the balance sheet date; incurred but not reported reserves for claims wherethe insured event has occurred but has not been reported as of the balance sheet date; and loss adjustment expense reserves for the expected handling costs of settlingthe claims. Factors used in the calculation of the reserves include experience derived from historical claim payments and actuarial assumptions. As described bymanagement, the best estimate of ultimate loss and loss adjustment expense is generally selected from a blend of different actuarial methods that are appliedconsistently each period, considering significant assumptions including projected loss development factors and expected loss ratios.\nThe principal considerations for our determination that performing procedures relating to the valuation of claims and benefits payable reserves for shortduration insurance contracts is a critical audit matter are (i) the significant judgment by management when determining their estimates; (ii) a high degree of auditorjudgment, subjectivity and effort in performing procedures and evaluating audit evidence related to the actuarial methods and projected loss development factors andexpected loss ratio assumptions; and (iii) the audit effort involved the use of professionals with specialized skill and knowledge.\nAddressing the matter involved performing procedures and evaluating audit evidence in connection with forming our overall opinion on the consolidatedfinancial statements. These procedures included testing the effectiveness of controls relating to the valuation of claims and benefits payable reserves for shortduration insurance contracts, including controls over the selection of actuarial methods, completeness and accuracy of claims data and the development of thesignificant assumptions. On a test basis, these procedures also included, among others, testing the completeness and accuracy of historical claims data provided bymanagement and the involvement of professionals with specialized skill and knowledge to assist in either (i) testing management\u2019s process for determining theestimates by evaluating the appropriateness of management\u2019s actuarial methods and the reasonableness of projected loss development factors and expected loss ratioassumptions; or (ii) developing an actuarially determined independent estimate utilizing actual historical data and loss development patterns, as well as industry dataand other benchmarks, and comparing this independent estimate to management\u2019s actuarially determined reserves.\n/s/ PricewaterhouseCoopers LLP\nNew York, New York\nFebruary 20, 2025\nWe have served as the Company\u2019s auditor since 2000.\nF-2", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4247, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "5b5efabd-a63d-4f29-9eb1-36aeec794b84": {"__data__": {"id_": "5b5efabd-a63d-4f29-9eb1-36aeec794b84", "embedding": null, "metadata": {"page_label": "77", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d4ff677e-2803-46e7-bcbb-5af323707c80", "node_type": "4", "metadata": {"page_label": "77", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ae232ba5aefdb76e2bd59e83c6e1ccb3a05e68f00d78ae949df59b36c18548dc", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Assurant, Inc.Consolidated Balance SheetsAs of December 31, 2024 and 2023\n December 31,\n 2024 2023\n(in millions except number of shares and per share amounts)Assets\nInvestments:\nFixed maturity securities available for sale, at fair value (amortized cost \u2013 $7,524.8 and $7,292.4 at December 31, 2024 and 2023, respectively) $ 7,175.1 $ 6,912.1 \nEquity securities at fair value 208.5 223.0 \nCommercial mortgage loans on real estate, at amortized cost (net of allowances for credit losses of $6.5 and $4.0 at December 31, 2024 and 2023,respectively) 342.5 328.7 \nShort-term investments 281.6 258.1 \nOther investments 536.8 499.0 \nTotal investments 8,544.5 8,220.9 \nCash and cash equivalents 1,807.7 1,627.4 \nPremiums and accounts receivable (net of allowances for credit losses of $7.2 and $9.0 at December 31, 2024 and 2023, respectively) 2,054.0 2,265.6 \nReinsurance recoverables (net of allowances for credit losses of $5.0 and $4.8 at December 31, 2024 and 2023, respectively) 7,579.5 6,649.2 \nAccrued investment income 130.5 97.0 \nDeferred acquisition costs 9,992.8 9,967.2 \nProperty and equipment, net 768.3 685.8 \nGoodwill 2,616.0 2,608.8 \nValue of business acquired 8.0 83.9 \nOther intangible assets, net 535.6 567.1 \nOther assets (net of allowances for credit losses of $0.6 and $0.7 at December 31, 2024 and 2023, respectively) 983.7 862.3 \nTotal assets $ 35,020.6 $ 33,635.2 \nLiabilities\nFuture policy benefits and expenses $ 536.7 $ 487.2 \nUnearned premiums 20,211.4 20,110.4 \nClaims and benefits payable 2,914.2 1,989.2 \nCommissions payable 559.6 542.8 \nReinsurance balances payable 493.2 430.1 \nFunds held under reinsurance 277.7 392.7 \nAccounts payable and other liabilities (including allowances for credit losses of $1.4 and $8.3 at December 31, 2024 and 2023) 2,838.0 2,792.7 \nDebt 2,083.1 2,080.6 \nTotal liabilities 29,913.9 28,825.7 \nCommitments and contingencies (Note 26)\nStockholders\u2019 equity\nCommon stock, par value $0.01 per share, 800,000,000 shares authorized, 53,129,838 and 54,252,083 shares issued and 50,833,749 and 51,955,994 sharesoutstanding at December 31, 2024 and 2023, respectively 0.5 0.6 \nAdditional paid-in capital 1,686.8 1,668.5 \nRetained earnings 4,378.3 4,028.2 \nAccumulated other comprehensive loss (836.1) (765.0)\nTreasury stock, at cost; 2,296,089 shares at December 31, 2024 and 2023 (122.8) (122.8)\nTotal equity 5,106.7 4,809.5 \nTotal liabilities and equity $ 35,020.6 $ 33,635.2 \nSee the accompanying Notes to the Consolidated Financial Statements\nF-3", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2498, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "fa2e5bbc-b479-4a50-ab71-37af08d46751": {"__data__": {"id_": "fa2e5bbc-b479-4a50-ab71-37af08d46751", "embedding": null, "metadata": {"page_label": "78", "file_name": "AIZ 10K - 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2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "2f4d1234-8d33-41e4-886f-fd63824f6a0a", "node_type": "4", "metadata": {"page_label": "79", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e23842cec9bb1295d2ef85bf7bc1784cf9dba1d4fdb69d0f710101bd956e1420", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Assurant, Inc.Consolidated Statements of Comprehensive IncomeYears Ended December 31, 2024, 2023 and 2022\n \n Years Ended December 31,\n 2024 2023 2022\n  (in millions)  \nNet income $ 760.2 $ 642.5 $ 276.6 \nOther comprehensive income (loss):\nChange in net unrealized gains on securities, net of taxes of $(5.4), $(52.6) and $196.7 for theyears ended December 31, 2024, 2023 and 2022, respectively 13.6 207.7 (769.8)\nChange in unrealized gains on derivative transactions, net of taxes of $1.7, $0.3 and $0.7 forthe years ended December 31, 2024, 2023 and 2022, respectively (6.3) (1.3) (2.6)\nChange in foreign currency translation, net of taxes of $3.5, $(2.3) and $(6.0) for the yearsended December 31, 2024, 2023 and 2022, respectively (63.3) 42.1 (67.1)\nAmortization of pension and postretirement unrecognized net periodic benefit cost andchange in funded status, net of taxes of $4.0, $7.2 and $(0.9) for the years ended December31, 2024, 2023 and 2022, respectively (15.1) (27.3) 3.3 \nTotal other comprehensive income (loss) (71.1) 221.2 (836.2)\nTotal comprehensive income (loss) $ 689.1 $ 863.7 $ (559.6)\nSee the accompanying Notes to the Consolidated Financial Statements\nF-5", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1178, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "e1a254f8-a9ac-4ab2-ab28-646fcb1dd905": {"__data__": {"id_": "e1a254f8-a9ac-4ab2-ab28-646fcb1dd905", "embedding": null, "metadata": {"page_label": "80", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "2f3ecd1e-3966-435b-89d1-6ab9c1fefa0b", "node_type": "4", "metadata": {"page_label": "80", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "3894143dbdbb45ce7842d5832bef60d0880b1943e216e083ea29eb125fca7ff8", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Assurant, Inc.Consolidated Statements of Changes in Stockholders\u2019 EquityYears Ended December 31, 2024, 2023 and 2022\nCommonStock\nAdditionalPaid-inCapital RetainedEarnings\nAccumulatedOtherComprehensiveLoss TreasuryStock Total\n (in millions, except per share amounts)\nBalance, January 1, 2022 $ 0.7 $ 1,695.0 $ 4,041.2 $ (150.0) $ (122.8) $ 5,464.1 \nStock plan exercises \u2014 13.6 \u2014 \u2014 \u2014 13.6 \nStock plan compensation expense \u2014 62.6 \u2014 \u2014 \u2014 62.6 \nCommon stock dividends ($2.74 per share) \u2014 \u2014 (150.2) \u2014 \u2014 (150.2)\nAcquisition of common stock (0.1) (133.4) (468.3) \u2014 \u2014 (601.8)\nNet income \u2014 \u2014 276.6 \u2014 \u2014 276.6 \nOther comprehensive loss \u2014 \u2014 \u2014 (836.2) \u2014 (836.2)\nBalance, December 31, 2022 $ 0.6 $ 1,637.8 $ 3,699.3 $ (986.2) $ (122.8) $ 4,228.7 \nStock plan exercises \u2014 14.9 \u2014 \u2014 \u2014 14.9 \nStock plan compensation expense \u2014 75.1 \u2014 \u2014 \u2014 75.1 \nCommon stock dividends ($2.82 per share) \u2014 \u2014 (152.3) \u2014 \u2014 (152.3)\nAcquisition of common stock \u2014 (59.3) (161.3) \u2014 \u2014 (220.6)\nNet income \u2014 \u2014 642.5 \u2014 \u2014 642.5 \nOther comprehensive income \u2014 \u2014 \u2014 221.2 \u2014 221.2 \nBalance, December 31, 2023 $ 0.6 $ 1,668.5 $ 4,028.2 $ (765.0) $ (122.8) $ 4,809.5 \nStock plan exercises \u2014 14.8 \u2014 \u2014 \u2014 14.8 \nStock plan compensation expense \u2014 81.1 \u2014 \u2014 \u2014 81.1 \nCommon stock dividends ($2.96 per share) \u2014 \u2014 (155.9) \u2014 \u2014 (155.9)\nAcquisition of common stock (0.1) (77.6) (254.2) \u2014 \u2014 (331.9)\nNet income \u2014 \u2014 760.2 \u2014 \u2014 760.2 \nOther comprehensive loss \u2014 \u2014 \u2014 (71.1) \u2014 (71.1)\nBalance, December 31, 2024 $ 0.5 $ 1,686.8 $ 4,378.3 $ (836.1) $ (122.8) $ 5,106.7 \nSee the accompanying Notes to the Consolidated Financial Statements\nF-6", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1559, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "5d840c85-1433-4558-a6a0-39dc46d255f8": {"__data__": {"id_": "5d840c85-1433-4558-a6a0-39dc46d255f8", "embedding": null, "metadata": {"page_label": "81", "file_name": "AIZ 10K - 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2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "9b456932-e585-498e-8e0b-f5f43378a395", "node_type": "4", "metadata": {"page_label": "82", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "6f91727acf03183dbaab3b296135061b8bda6c22172b913777dcb714f73f5194", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Employee stock purchases and withholdings (14.2) (4.2) (19.5)\nNet cash used in financing activities (477.5) (403.9) (818.4)\nEffect of exchange rate changes on cash and cash equivalents (17.1) (5.8) (34.5)\nChange in cash and cash equivalents 180.3 90.7 (518.1)\nCash and cash equivalents at beginning of period 1,627.4 1,536.7 2,054.8 \nCash and cash equivalents at end of period $ 1,807.7 $ 1,627.4 $ 1,536.7 \nSupplemental information:\nIncome taxes paid $ (38.9) $ 235.4 $ 127.7 \nInterest paid on debt $ 107.4 $ 107.4 $ 108.6 \n(1) Amounts for the year ended December 31, 2022 primarily consist of $55.2 million in cash consideration for the acquisition of American Lease Insurance Agency Corporation (\u201cALI\u201d), net of$4.8 million of cash acquired.\nSee the accompanying Notes to the Consolidated Financial Statements\nF-7", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 815, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "8f4c3622-c653-4f24-952b-2ffd7e35d2a9": {"__data__": {"id_": "8f4c3622-c653-4f24-952b-2ffd7e35d2a9", "embedding": null, "metadata": {"page_label": "83", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "af120f46-d31b-42b5-a1e8-c2cd88366feb", "node_type": "4", "metadata": {"page_label": "83", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "67bdb867d035ab05be21fcb0ae5a24c4e6f227a6e87f405c4947fd69a04c66bf", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Assurant, Inc.Notes to the Consolidated Financial Statements(in millions except number of shares and per share amounts)\nINDEX OF NOTES\nNote Number Page Number\n1. Nature of Operations F-8\n2. Summary of Significant Accounting Policies F-9\n3. Acquisition F-19\n4. Allowance for Credit Losses F-19\n5. Segment Information F-21\n6. Contract Revenues F-24\n7. Investments F-25\n8. Variable Interest Entities F-31\n9. Fair Value Disclosures F-32\n10. Premiums and Accounts Receivable F-39\n11. Income Taxes F-39\n12. Deferred Acquisition Costs F-42\n13. Property and Equipment F-42\n14. Goodwill F-42\n15. VOBA and Other Intangible Assets F-44\n16. Reserves F-45\n17. Reinsurance F-54\n18. Debt F-56\n19. Equity Transactions F-59\n20. Stock Based Compensation F-60\n21. Accumulated Other Comprehensive Income F-63\n22. Statutory Information F-64\n23. Retirement and Other Employee Benefits F-65\n24. Earnings Per Common Share F-72\n25. Restructuring and Related Impairment Charges F-73\n26. Commitments and Contingencies F-73\n27. Subsequent Events F-74\n1. Nature of Operations\nAssurant, Inc. (the \u201cCompany\u201d) is a leading global protection company that safeguards and services major consumer purchases through data-driven, technologysolutions. The Company partners with the world\u2019s foremost brands to deliver exceptional customer experiences that meet device, car and home needs. The Companyoperates in North America, Latin America, Europe and Asia Pacific through two operating segments: Global Lifestyle and Global Housing. Through its GlobalLifestyle segment, the Company provides mobile device solutions, extended service contracts and related services for consumer electronics and appliances, andcredit and other insurance products (referred to as \u201cConnected Living\u201d); and vehicle protection services, commercial equipment services and other related services(referred to as \u201cGlobal Automotive\u201d). Through its Global Housing segment, the Company provides lender-placed homeowners, manufactured housing and floodinsurance, as well as voluntary manufactured housing, condominium and homeowners insurance (referred to as \u201cHomeowners\u201d); and renters insurance and otherproducts (referred to as \u201cRenters and Other\u201d).\nThe Company\u2019s common stock is traded on the New York Stock Exchange under the symbol \u201cAIZ.\u201d", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2274, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "119aba75-fed5-4973-8afc-201e884723de": {"__data__": {"id_": "119aba75-fed5-4973-8afc-201e884723de", "embedding": null, "metadata": {"page_label": "84", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "4f2ddafd-da8c-4d0d-a70f-148fab7c1977", "node_type": "4", "metadata": {"page_label": "84", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "3401057e1d74f9e10edaf884a5078f21a76590588ac1f48e90838cdbc2e7d2cc", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "F-8", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "906c74e1-ec32-4619-b2bc-1433476d0f8b": {"__data__": {"id_": "906c74e1-ec32-4619-b2bc-1433476d0f8b", "embedding": null, "metadata": {"page_label": "85", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "907df96c-a020-49ac-ad9a-0f0c98ea24ef", "node_type": "4", "metadata": {"page_label": "85", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "bcf01a32b8f1127112d4a695c5db04233df521f5322de34c33b3236ec9d330ca", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "2. Summary of Significant Accounting Policies\nBasis of Presentation\nThe Consolidated Financial Statements have been prepared in accordance with accounting principles generally accepted in the United States of America(\u201cGAAP\u201d). Amounts are presented in United States of America (\u201cU.S.\u201d) Dollars and all amounts are in millions, except for number of shares, per share amounts andnumber of securities. Certain prior period amounts have been revised to reflect the realignment of the composition of its reportable segments to correspond withchanges to its operating structure effective January 1, 2023.\nPrinciples of Consolidation\nThe Consolidated Financial Statements include the accounts of the Company and its controlled subsidiaries, generally through a greater than 50% ownership ofvoting rights and voting interests. Equity investments in entities that the Company does not consolidate, but where the Company has significant influence or wherethe Company has more than a minor influence over the entity\u2019s operating and financial policies, are accounted for under the equity method. All material inter-company transactions and balances are eliminated in consolidation. In order to facilitate the Company\u2019s closing process, financial information from certain foreignsubsidiaries and affiliates is reported on a one to three-month lag.\nUse of Estimates\nThe preparation of financial statements requires management to make estimates and assumptions that affect the reported amounts. The items affected by the useof estimates include but are not limited to, investments, reinsurance recoverables, premium and accounts receivables, deferred acquisition costs (\u201cDAC\u201d), value ofbusiness acquired (\u201cVOBA\u201d), deferred income taxes and associated valuation allowances, goodwill, intangible assets, future policy benefits and expenses, unearnedpremiums, claims and benefits payable, deferred gain on disposal of businesses, pension and post-retirement liabilities and commitments and contingencies. Theestimates are sensitive to market conditions, investment yields, mortality, morbidity, commissions and other acquisition expenses, policyholder behavior and otherfactors. Actual results could differ from the estimates recorded. The Company believes all amounts reported are reasonable and adequate.\nFair Value\nThe Company uses an exit price for its fair value measurements. An exit price is defined as the amount received to sell an asset or paid to transfer a liability inan orderly transaction between market participants at the measurement date. In measuring fair value, the Company gives the highest priority to unadjusted quotedprices in active markets for identical assets or liabilities and the lowest priority to unobservable inputs. See Note 9 for additional information.\nForeign Currency\nFor foreign affiliates where the local currency is the functional currency, unrealized foreign currency translation gains and losses net of deferred income taxeshave been reflected in accumulated other comprehensive income (\u201cAOCI\u201d). For Canada, Argentina, Brazil, Chile and Mexico, deferred taxes have not been providedfor unrealized currency translation gains and losses since the Company intends to indefinitely reinvest the earnings in these other jurisdictions. Transaction gains andlosses on assets and liabilities denominated in foreign currencies are recorded in underwriting, selling, general and administrative expenses in the consolidatedstatements of operations during the period in which they occur.\nManagement generally identifies highly inflationary markets as those markets whose cumulative inflation rates over a three-year period exceeds 100%, inaddition to considering other qualitative and quantitative factors. Beginning July 1, 2018, as a result of the classification of Argentina\u2019s economy as highlyinflationary, the functional currency of our Argentina subsidiaries was changed from the local currency to U.S. Dollars. The subsidiaries\u2019 non-U.S. Dollardenominated monetary assets and liabilities have been subject to remeasurement since July 1, 2018. For the years ended December 31, 2024, 2023 and 2022, theremeasurement resulted in $3.0 million, $29.4 million and $16.7 million, respectively, of net pre-tax losses which the Company classified within underwriting,selling, general and administrative expenses in the consolidated statements of operations. Based on the relative size of the subsidiaries\u2019 operations and net assetssubject to remeasurement, the Company does not anticipate the ongoing remeasurement to have a material impact on the Company\u2019s results of operations orfinancial condition.\nVariable Interest Entities\nThe Company may enter into agreements with other entities that are deemed to be variable interest entities (\u201cVIEs\u201d). Entities that do not have sufficient equityat risk to allow the entity to finance its activities without additional financial support or in which the equity investors, as a group, do not have the characteristic of acontrolling financial interest are referred to as VIEs. A VIE is consolidated by the variable interest holder that is determined to have the controlling financial interest(the \u201cprimary beneficiary\u201d) as a result of having both the power to direct the activities that most significantly impact the VIE\u2019s economic performance and theobligation to absorb losses or right to receive benefits from the VIE that could potentially be\nF-9", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5400, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "40a442fd-028f-4770-bb54-dba15204567d": {"__data__": {"id_": "40a442fd-028f-4770-bb54-dba15204567d", "embedding": null, "metadata": {"page_label": "86", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d7d3bd18-6d04-4505-a4b7-20e4bb36d275", "node_type": "4", "metadata": {"page_label": "86", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "76ed472611791a85f35824c7ead78e9bb7c8488b6553729c2ac8775cd5aebba9", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "f797b851-288e-4fdd-a786-ba737bf9cca7", "node_type": "1", "metadata": {}, "hash": "9c7ee76c949e404680b2de0762a49186ccb3719713a7ffa5e8598b71c25619d0", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "significant to the VIE. The Company determines whether it is the primary beneficiary of an entity subject to consolidation based on a qualitative assessment of theVIE\u2019s capital structure, contractual terms, the nature of the VIE\u2019s operations and purpose and the Company\u2019s relative exposure to the related risks of the VIE on thedate it becomes initially involved in the VIE. The Company only holds non-consolidated VIEs as of December 31, 2024 and 2023.\nInvestments\nFixed maturity securities are classified as available-for-sale as defined in the investments guidance and are reported at fair value. If the fair value is higher thanthe amortized cost for fixed maturity securities, the excess is an unrealized gain; and, if lower than amortized cost, the difference is an unrealized loss. Net unrealizedgains and losses on securities classified as available-for-sale, less deferred income taxes, are included in AOCI.\nPresentation of credit-related impairments is shown as an allowance, recognizing credit impairments upon purchase of securities as applicable, and requiringreversals of previously recognized credit-related impairments when applicable.\nFor available for sale fixed maturity securities in an unrealized loss position for which the Company does not intend to sell or for which it is more likely thannot that the Company would not be required to sell before an anticipated recovery in value, the Company evaluates whether the decline in fair value has resultedfrom credit losses or other factors. In making this assessment, the Company considers the extent to which fair value is less than the amortized cost basis, changes tothe credit rating of the security by a nationally recognized statistical ratings organization and any adverse conditions specifically related to the security, industry orgeographic area, among other factors. If this assessment indicates a potential credit loss may exist, the present value of cash flows expected to be collected arecompared to the security\u2019s amortized cost basis. If the present value of cash flows expected to be collected is less than the amortized cost basis, a credit-relatedimpairment exists, and a charge to income and an associated allowance for credit losses is recorded for the credit-related impairment. Any impairment not related tocredit losses is recorded through other comprehensive income. The amount of the allowance for credit losses is limited to the amount by which fair value is less thanthe amortized cost basis. Upon recognizing a credit-related impairment, the cost basis of the security is not adjusted.\nSubsequent changes in the allowance for credit losses are recorded as provision for, or reversal of, credit loss expense. For fixed maturities where the Companyrecords a credit loss, a determination is made as to the cause of the impairment and whether the Company expects a recovery in the value. Write-offs are chargedagainst the allowance when management concludes the financial asset is uncollectible. For fixed maturities where the Company expects a recovery in value, theeffective yield method is utilized, and the investment is amortized to par.\nFor available for sale fixed maturity securities that the Company intends to sell, or for which it is more likely than not that the Company will be required to sellbefore recovery of its amortized cost basis, the entire impairment loss, or difference between the fair value and amortized cost basis of the security, is recognized innet realized gains (losses) on investments and fair value changes to equity securities. The new cost basis of the security is the previous amortized cost basis less theimpairment recognized and is not adjusted for any subsequent recoveries in fair value.\nThe Company reports receivables for accrued investment income separately from fixed maturities available for sale and elected not to measure allowances forcredit losses for accrued investment income as uncollectible balances are written off in a timely manner.\nEquity securities that have readily determinable fair values are measured at fair value with changes in fair value recognized in net realized gains (losses) oninvestments and fair value changes to equity securities on the Company\u2019s consolidated statements of operations. The Company has certain equity investments that donot have readily determinable fair values and the Company has elected the measurement alternative to carry such investments at cost, less impairment and to mark tofair value when observable prices in identical or similar investments from the same issuer occur.\nEquity securities accounted for under the measurement alternative are impaired if a qualitative assessment based upon several indicators such as earningsperformance, offers to sell or purchase, ability to continue as a going concern and macroeconomic factors indicates the equity investment is impaired and the fairvalue of the investment is less than its carrying value. If a qualitative assessment indicates impairment, a quantitative analysis, which uses probability weightedpotential outcomes, is performed to determine the amount of the impairment to be recognized that result in a fair value measurement.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5178, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "f797b851-288e-4fdd-a786-ba737bf9cca7": {"__data__": {"id_": "f797b851-288e-4fdd-a786-ba737bf9cca7", "embedding": null, "metadata": {"page_label": "86", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d7d3bd18-6d04-4505-a4b7-20e4bb36d275", "node_type": "4", "metadata": {"page_label": "86", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "76ed472611791a85f35824c7ead78e9bb7c8488b6553729c2ac8775cd5aebba9", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "40a442fd-028f-4770-bb54-dba15204567d", "node_type": "1", "metadata": {"page_label": "86", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "a041ad80e4c71b9c0fdb109d19092966a76de933a0c65ece69eb025939b135f4", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Equity securities accounted forunder the measurement alternative are included within other investments in the consolidated balance sheets.\nCommercial mortgage loans on real estate are reported at unpaid principal balances, adjusted for amortization of premium or discount, less any allowance forcredit losses. The allowance for the Company\u2019s commercial mortgage loans is based on the present value of expected future cash flows discounted at the loan\u2019seffective interest rate, utilizing a probability-of-default and loss given default methodologies, which incorporate various probability weighted economic scenarios.The probability of default is estimated using macroeconomic factors as well as individual loan characteristics, including loan-to-value (\u201cLTV\u201d) and debt servicecoverage ratios (\u201cDSC\u201d), loan term, collateral type, geography and underlying credit. The loss given default is\nF-10", "mimetype": "text/plain", "start_char_idx": 5179, "end_char_idx": 6071, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "04cf96dc-7ceb-4196-a785-35ce14070893": {"__data__": {"id_": "04cf96dc-7ceb-4196-a785-35ce14070893", "embedding": null, "metadata": {"page_label": "87", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "cac3f787-6503-4f8c-b5e2-90be65323069", "node_type": "4", "metadata": {"page_label": "87", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "3fa91d51ef04741f86139429c06a0be5ad2db869ca8357df164841bcb1173e76", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "f0ce4f19-d0a2-40d8-a76c-80bc8f8401d5", "node_type": "1", "metadata": {}, "hash": "f8f05e35936c94f4459a41319a399b813327f29f97a0eecaafe03f358080a119", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "driven primarily by the type and value of underlying collateral, and to a lesser extent by expected liquidation costs and time to recovery. Each loan is analyzedindividually based on loan-specific data elements to estimate the expected loss and then aggregated.\nThe Company places loans on nonaccrual status after 90 days of delinquent payments (unless the loans are secured and in the process of collection). A loanmay be placed on nonaccrual status before this time if information is available that suggests collection is unlikely. The Company charges off loan and accruedinterest balances that are deemed uncollectible. Charge offs are recorded to net income in the period deemed uncollectible. Refer to Note 4 for further details on theallowance for credit losses on commercial mortgage loans.\nShort-term investments include securities and other investments with durations of one year or less, but greater than three months, between the date of purchaseand maturity. These amounts are reported at cost or amortized cost, which approximates fair value.\nOther investments consist primarily of investments in joint ventures, partnerships, equity investments that do not have readily determinable fair values,invested assets associated with a modified coinsurance arrangement, invested assets associated with the Assurant Investment Plan (the \u201cAIP\u201d), the American SecurityInsurance Company Investment Plan (the \u201cASIC\u201d) and the Assurant Deferred Compensation Plan (the \u201cADC\u201d), as well as policy loans. The joint ventures andpartnerships are valued according to the equity method of accounting. In applying the equity method, the Company uses financial information provided by theinvestee, generally on a three-month lag. The invested assets related to the modified coinsurance arrangement, the AIP, the ASIC and the ADC are classified astrading securities. Policy loans are reported at unpaid principal balances, which do not exceed the cash surrender value of the underlying policies.\nRealized gains and losses on sales of investments are recognized on the specific identification basis.\nInvestment income is recorded as earned and reported net of investment expenses. The Company uses the interest method to recognize interest income on itscommercial mortgage loans.\nThe Company anticipates prepayments of principal in the calculation of the effective yield for mortgage-backed securities and structured securities. Theretrospective method is used to adjust the effective yield for the majority of the Company\u2019s mortgage-backed and structured securities. For credit-sensitive or creditimpaired structured securities, the effective yield is recalculated on a prospective basis, primarily our commercial mortgage-backed, residential mortgage-backed andasset backed securities.\nCash and Cash Equivalents\nThe Company considers all highly liquid securities and other investments with durations of three months or less between the date of purchase and maturity tobe cash equivalents. These amounts are carried at cost, which approximates fair value. Cash balances are reviewed at the end of each reporting period to determine ifnegative cash balances exist. If negative cash balances exist, the cash accounts are netted with other positive cash accounts of the same bank provided the right ofoffset exists between the accounts. If the right of offset does not exist, the negative cash balances are reclassified to accounts payable and other liabilities.\nRestricted cash and cash equivalents, of $122.4 million and $43.6 million at December 31, 2024 and 2023, respectively, principally related to cash depositsinvolving insurance programs with restrictions as to withdrawal and use, are classified within cash and cash equivalents in the consolidated balance sheets.\nReinsurance\nFor both ceded and assumed reinsurance, risk transfer requirements must be met for reinsurance accounting to apply. If risk transfer requirements are not met,the contract is accounted for as a deposit, resulting in the recognition of cash flows under the contract through a deposit asset or liability and not as revenue orexpense. To meet risk transfer requirements, a reinsurance contract must include both insurance risk, consisting of both underwriting and timing risk, and areasonable possibility of a significant loss for the assuming entity. Similar risk transfer criteria are used to determine whether directly written insurance contractsshould be accounted for as insurance or as a deposit.\nReinsurance recoverables include amounts related to paid benefits and estimated amounts related to unpaid policy and contract claims, future policyholderbenefits and policyholder contract deposits. The cost of reinsurance is recognized as a reduction to premiums earned over the terms of the underlying reinsuredpolicies. Amounts recoverable from reinsurers are estimated in a manner consistent with claim and claim adjustment expense reserves or future policy benefitsreserves and are reported in the consolidated balance sheets. The cost of reinsurance related to long-duration contracts is recognized over the life of the underlyingreinsured policies.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5126, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "f0ce4f19-d0a2-40d8-a76c-80bc8f8401d5": {"__data__": {"id_": "f0ce4f19-d0a2-40d8-a76c-80bc8f8401d5", "embedding": null, "metadata": {"page_label": "87", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "cac3f787-6503-4f8c-b5e2-90be65323069", "node_type": "4", "metadata": {"page_label": "87", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "3fa91d51ef04741f86139429c06a0be5ad2db869ca8357df164841bcb1173e76", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "04cf96dc-7ceb-4196-a785-35ce14070893", "node_type": "1", "metadata": {"page_label": "87", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "caf83bc4ce97dbf8f6a5b11b48cd0dc3e610ffe48018a6ebcc0ee7d5966e6030", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The ceding of insurance does not discharge the Company\u2019s primary liability to insureds, thus a credit exposure exists to the extent that anyreinsurer is unable to meet the obligation assumed in the reinsurance agreements. To mitigate this exposure to reinsurer insolvencies, the Company evaluates thefinancial condition of its reinsurers\nF-11", "mimetype": "text/plain", "start_char_idx": 5127, "end_char_idx": 5469, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "76ed8754-5015-47e4-9a8c-d82fce123d0e": {"__data__": {"id_": "76ed8754-5015-47e4-9a8c-d82fce123d0e", "embedding": null, "metadata": {"page_label": "88", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "645df97f-88e3-4ffb-98a9-e3a7f1379789", "node_type": "4", "metadata": {"page_label": "88", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "502ac27632cc532a7cceef7b601cf93249ed415ab6447972919fa1022e2adcbf", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "and typically holds collateral (in the form of funds withheld, trusts and letters of credit) as security under the reinsurance agreements.\nThe Company accounts for credit losses using the expected credit loss model for reinsurance recoverables. The Company uses a probability of default and lossgiven default methodology in estimating the allowance, whereby the credit ratings of reinsurers are used in determining the probability of default. The allowance isestablished for reinsurance recoverables on paid and unpaid future policy benefits and claims and benefits. Prior to applying default factors, the net exposure tocredit risk is reduced for any collateral for which the right of offset exists, such as funds withheld, assets held in trust and letters of credit, which are part of thereinsurance arrangements, with adjustments to include consideration of credit exposure on the collateral. The methodology used by the Company incorporateshistorical default factors for each reinsurer based on their credit rating using comparably rated bonds as published by a major ratings service. The allowance is basedupon the Company\u2019s ongoing review of amounts outstanding, length of collection periods, changes in reinsurer credit standing and other relevant factors.\nFunds held under reinsurance represent amounts contractually held from assuming companies in accordance with reinsurance agreements, primarily fromcollateral considerations.\nReinsurance premiums assumed are calculated based upon payments received from ceding companies together with accrual estimates, which are based on bothpayments received and in force policy information received from ceding companies. Any subsequent differences arising on such estimates are recorded in the periodin which they are determined.\nPremiums and Accounts Receivable\nPremiums and accounts receivable includes insurance premiums receivable from policyholders and amounts due from sponsors or agents. The Companyaccounts for credit losses using the expected credit loss model for premiums and accounts receivable. For receivables due directly from the insured or consumer, theallowance for credit losses is generally calculated by aging the receivable balances and applying default factors based on the Company\u2019s historical collection data.For receivables due from product sponsors or agents, receivable balances are generally segregated by the sponsor or agent and an appropriate default factor isdetermined based on creditworthiness, billing terms and aging of balances. The financial exposure of a credit loss is determined net of offsets (such as relatedunearned premium reserves for consumer receivables and receivables net of commissions payable, profit share liabilities and captive reinsurance for balances duefrom sponsors/agents) prior to applying a default factor.\nDeferred Acquisition Costs\nOnly direct and incremental costs associated with the successful acquisition of new or renewal insurance contracts are deferred to the extent that such costs aredeemed recoverable from future premiums. Acquisition costs primarily consist of commissions and premium taxes. Certain direct response advertising expenses aredeferred when the primary purpose of the advertising is to elicit sales to customers who can be shown to have specifically responded to the advertising and the directresponse advertising results in probable future benefits.\nAll other acquisition-related costs, including those related to general advertising and solicitation, market research, agent training, product development,unsuccessful sales and underwriting efforts, as well as all indirect costs, are expensed as incurred.\nPremium deficiency testing is performed annually and generally reviewed quarterly. Such testing involves the use of assumptions including the anticipation ofinvestment income to determine if anticipated future policy premiums are adequate to recover all DAC and related claims, benefits and expenses. To the extent apremium deficiency exists, it is recognized immediately by a charge to the consolidated statement of operations and a corresponding reduction in DAC. If thepremium deficiency is greater than unamortized DAC, a loss (and related liability) is recorded for the excess deficiency.\nShort Duration Contracts\nAcquisition costs relating to extended service contracts, vehicle service contracts, mobile device protection, credit insurance, lender-placed homeownersinsurance and flood, multifamily housing and manufactured housing insurance are amortized over the term of the contracts in relation to premiums earned. Theseacquisition costs consist primarily of advance commissions paid to agents.\nProperty and Equipment\nProperty and equipment are reported at cost less accumulated depreciation. Depreciation is calculated on a straight-line basis over estimated useful lives with amaximum of 39.5 years for buildings, a maximum of seven years for furniture and a maximum of five years for equipment. Expenditures for maintenance andrepairs are charged to income as incurred. Expenditures for improvements are capitalized and depreciated over the remaining useful life of the asset.\nProperty and equipment also include capitalized software costs, comprised of purchased software as well as certain internal and external costs incurred duringthe application development stage that directly relate to obtaining, developing or\nF-12", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5383, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "295c78be-8852-44d9-b775-0d7d9f4d3c9d": {"__data__": {"id_": "295c78be-8852-44d9-b775-0d7d9f4d3c9d", "embedding": null, "metadata": {"page_label": "89", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "ae581f15-a228-4482-87f9-7503813b5958", "node_type": "4", "metadata": {"page_label": "89", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f920ed8a9e69a25bbd48e0ddef044a297ca637931d8bd048cb9a2305c278a3cc", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "upgrading internal use software. Such costs are capitalized and amortized using the straight-line method over their estimated useful lives, not to exceed 15 years.Property and equipment are assessed for impairment when impairment indicators exist.\nGoodwill \nGoodwill represents the excess of acquisition costs over the net fair value of identifiable assets acquired and liabilities assumed in a business combination.Goodwill is deemed to have an indefinite life and is not amortized, but rather is tested at least annually for impairment. The Company performs the annual goodwillimpairment test as of October 1 each year, or more frequently if indicators of impairment exist. Such indicators include: a significant adverse change in legal factors,an adverse action or assessment by a regulator, unanticipated competition, loss of key personnel or a significant decline in the Company\u2019s expected future cash flowsdue to changes in company-specific factors or the broader business climate. The evaluation of such factors requires considerable management judgment.\nGoodwill is tested for impairment at the reporting unit level, which is either at the operating segment or one level below, if that component is a business forwhich discrete financial information is available and segment management regularly reviews such information. Components within an operating segment can beaggregated into one reporting unit if they have similar economic characteristics.\nAt the time of the annual goodwill test, the Company has the option to first assess qualitative factors to determine whether it is necessary to perform aquantitative goodwill impairment test. The Company is required to perform an additional quantitative step if it determines qualitatively that it is more likely than not(likelihood of more than 50 percent) that the fair value of a reporting unit is less than its carrying amount, including goodwill. Otherwise, no further testing isrequired. \nIf the Company determines that it is more likely than not that the reporting unit\u2019s fair value is less than the carrying value, or otherwise elects to perform thequantitative testing, the Company compares the estimated fair value of the reporting unit with its net book value. If the reporting unit\u2019s estimated fair value exceedsits net book value, goodwill is deemed not to be impaired. If the reporting unit\u2019s net book value exceeds its estimated fair value, an impairment loss will berecognized for the amount by which the reporting unit\u2019s carrying amount exceeds its fair value, not to exceed the carrying amount of goodwill in that reporting unit.Refer to Note 14 for further details on goodwill impairment testing for 2024.\nOther Intangible Assets \nIntangible assets that have finite lives are amortized over their estimated useful lives based on the pattern in which the intangible asset is consumed, which maybe other than straight-line. Estimated useful lives of finite intangible assets are required to be reassessed on at least an annual basis. For intangible assets with finitelives, impairment is recognized if the carrying amount is not recoverable and exceeds the fair value of the other intangible asset. Generally, other intangible assetswith finite lives are only tested for impairment if there are indicators of impairment (\u201ctriggers\u201d) identified. Triggers include a significant adverse change in theextent, manner or length of time in which the intangible asset is being used or a significant adverse change in legal factors or in the business climate that could affectthe value of the other intangible asset.\nVOBA represents the value of expected future profits in unearned premium for insurance contracts acquired in an acquisition. For vehicle service contracts andextended service contracts, such as those purchased in connection with the TWG acquisition, the amount is determined using estimates, for premium earningspatterns, paid loss development patterns, expense loads and discount rates applied to cash flows that include a provision for credit risk. The amount determinedrepresents the purchase price paid to the seller for producing the business. For vehicle service contracts and extended service contracts, VOBA is amortizedconsistent with the premium earning patterns of the underlying in-force contracts. VOBA is tested at least annually in the fourth quarter for recoverability.\nAmortization expense and impairment charges for other intangible assets are included in underwriting, selling, general and administrative expenses in theconsolidated statements of operations. \nOther Assets \nOther assets include prepaid items, income tax receivable, deferred income tax assets, right-of-use assets, dealer loans and inventory associated with theCompany\u2019s mobile protection business.  \nReserves \nReserves are established using generally accepted actuarial methods and reflect judgments about expected future premium and claim payments. Factors used intheir calculation include experience derived from historical claim payments, expected future premiums and actuarial assumptions. Calculations incorporateassumptions about the incidence of incurred claims, the extent to which all claims have been reported, reporting lags, expenses, inflation rates, future investmentearnings, internal claims processing costs and other relevant factors. The estimation of reserves includes an element of uncertainty given that management is usinghistorical information and methods to project future events and reserve outcomes.\nF-13", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5499, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "2c6af028-47e7-4d4b-acb7-1775ff590955": {"__data__": {"id_": "2c6af028-47e7-4d4b-acb7-1775ff590955", "embedding": null, "metadata": {"page_label": "90", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "85ab7280-aa0a-4039-9cf6-cf6e8af8e6c6", "node_type": "4", "metadata": {"page_label": "90", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f97e3c34e4a717ba6f3dbc66541b15fa4e5e1f497f1330c2ea793395011e726a", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "970bd715-3e9e-4fa8-996f-ba081356d9e3", "node_type": "1", "metadata": {}, "hash": "5c76270d013d76f8f88a8480de793373b9e5d8fe380912bfe01d4781641b1be7", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The recorded reserves represent the Company\u2019s best estimate at a point in time of the ultimate costs of settlement and administration of a claim or group ofclaims based upon actuarial assumptions and projections using facts and circumstances known at the time of calculation. The adequacy of reserves may be impactedby future trends in claims severity, frequency, judicial theories of liability and other factors. These variables are affected by both external and internal events,including: changes in the economic cycle, inflation, changes in repair costs, natural or human-made catastrophes, judicial trends, legislative changes and claimshandling procedures.\nMany of these items are not directly quantifiable and not all future events can be anticipated when reserves are established. Reserve estimates are refined asexperience develops. Adjustments to reserves, both positive and negative, are reflected in the consolidated statement of operations in the period in which suchestimates are updated. Because establishment of reserves is an inherently complex process involving significant judgment and estimates, there can be no certaintythat future settlement amounts for claims incurred through the financial reporting date will not vary from reported claims reserves. Future loss development couldrequire reserves to be increased or decreased, which could have a material effect on the Company\u2019s earnings in the periods in which such increases or decreases aremade. However, based on information currently available, the Company believes its reserve estimates are adequate.\nThe following table provides reserve information as of December 31, 2024 and 2023:\n December 31, 2024 December 31, 2023\n   Claims and BenefitsPayable   Claims and BenefitsPayable\n \nFuturePolicyBenefits andExpenses UnearnedPremiums CaseReserves\nIncurredBut NotReportedReserves\nFuturePolicyBenefits andExpenses UnearnedPremiums CaseReserves\nIncurredBut NotReportedReserves\nLong Duration Contracts:\nNon-core operations (1) $ 52.5 $ \u2014 $ 1.2 $ 0.9 $ 57.7 $ \u2014 $ 1.2 $ 1.0 \nAll other disposed or runoffbusinesses (2) 484.2 1.7 \u2014 0.1 429.5 1.9 \u2014 0.1 \nShort Duration Contracts:\nGlobal Lifestyle \u2014 18,368.4 149.0 572.7 \u2014 18,536.6 132.5 472.7 \nGlobal Housing \u2014 1,813.6 828.7 1,056.6 \u2014 1,554.9 138.0 851.9 \nNon-core operations (1) \u2014 5.8 35.5 85.9 \u2014 13.9 44.0 151.8 \nAll other disposed or runoffbusinesses (2) \u2014 21.9 81.7 101.9 \u2014 3.1 88.5 107.5 \nTotal $ 536.7 $ 20,211.4 $ 1,096.1 $ 1,818.1 $ 487.2 $ 20,110.4 $ 404.2 $ 1,585.0 \n(1) Includes certain businesses which the Company expects to fully exit, including the long-tail commercial liability businesses (sharing economy and small commercial businesses), certain legacy long-duration insurance policies and the Company\u2019s operations in mainland China (collectively referred to as \u201cnon-core operations\u201d), recorded in the Corporate and Other segment. During 2024, themainland China operations were sold and will no longer be included in non-core operations going forward.(2) Primarily includes businesses sold through reinsurance reported in the Corporate and Other and Global Lifestyle segments.\nLong Duration Contracts \nThe Company\u2019s long duration contracts, after the sale of the disposed Global Preneed business and John Alden Life Insurance Company, primarily comprises run-offblocks of long-term care and universal life policies.\nThe Company adopted the targeted improvements accounting guidance for long-duration insurance contracts as of January 1, 2023, using a modifiedretrospective method on liabilities for future policy benefits and expenses to January 1, 2021 for long-term care insurance contracts that have been fully reinsured.The Company also elected to not apply the amended accounting guidance to long-duration contracts of legal entities sold and derecognized before the January 1,2023 effective date as the Company has no significant continuing involvement with them.\nUnder the transition guidance, the long-term care insurance contracts are grouped into cohorts based on the contract\u2019s issue year. Premiums are recognizedwhen due as net earned premiums in the consolidated statement of operations. A future policy benefits and expenses reserve is recorded as the present value ofestimated future policy benefits and expenses less the present value of estimated future net premiums.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4321, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "970bd715-3e9e-4fa8-996f-ba081356d9e3": {"__data__": {"id_": "970bd715-3e9e-4fa8-996f-ba081356d9e3", "embedding": null, "metadata": {"page_label": "90", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "85ab7280-aa0a-4039-9cf6-cf6e8af8e6c6", "node_type": "4", "metadata": {"page_label": "90", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f97e3c34e4a717ba6f3dbc66541b15fa4e5e1f497f1330c2ea793395011e726a", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "2c6af028-47e7-4d4b-acb7-1775ff590955", "node_type": "1", "metadata": {"page_label": "90", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "88792095a05f277de3daeb51e5dc42c8ea75ae83cc218cedd67448b4d1aaa7bc", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The net premium ratio (\u201cNPR\u201d) approach is used to recognizea liability when expected insurance benefits are accrued over the life of the contract in proportion to premium revenue. Policy expense assumptions are locked in asof December 31, 2020 as the long-term care insurance products are in run-off as of the transition date. Actual premiums and benefits are recognized on a quarterlybasis in the consolidated statement of operations allocated in proportion to prior period cash flow projections at the cohort level. The updated cash flows used in thecalculation are\nF-14", "mimetype": "text/plain", "start_char_idx": 4322, "end_char_idx": 4894, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "9d4640b9-a45e-4df5-9b7f-bf3d6d84ea04": {"__data__": {"id_": "9d4640b9-a45e-4df5-9b7f-bf3d6d84ea04", "embedding": null, "metadata": {"page_label": "91", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "ebd0e134-266c-493e-98ce-f0a59424b2c4", "node_type": "4", "metadata": {"page_label": "91", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b60c124bf1290a2d2ae907859e4010a5ce4d27da35c42c9b75c57efeef44043f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "discounted using the discount rate used in the last premium deficiency test update prior to December 31, 2020 (the \u201coriginal discount rate\u201d) and presented as interestexpense in the consolidated statement of operations. The revised NPR is used to measure benefit expense based on the recognized premium revenue in the period.The difference between the updated future policy benefits and expenses reserve opening period and previous ending period due to updating the NPR is presented as aremeasurement gain or loss (e.g., a cumulative catch-up adjustment) in policyholder benefits in the Company\u2019s consolidated statements of operations.\nA remeasurement of the ending reporting period future policy benefits and expenses reserve is calculated using the current upper medium grade fixed-incomecorporate bond instrument yield as of the consolidated balance sheet ending period (the \u201ccurrent discount rate\u201d). The current discount rate used is an externallypublished US corporate A index weighted average spot rate that is updated quarterly and effectively matches the duration of the expected cash flow streams of thelong-term care reserves. The difference between the ending period future policy benefits and expenses reserve measured using the original discount rate and thefuture policy benefits and expenses reserve measured using the current discount rate is recorded in AOCI in the Company\u2019s consolidated statements ofcomprehensive income.\nThe long-term care insurance contracts are fully reinsured and there is no impact to consolidated stockholders\u2019 equity or net income as the reserves are fullyreinsured. See Note 16 for additional information.\nFuture policy benefits and expense reserves for universal life insurance policies consist of policy account balances before applicable surrender charges that arebeing recognized in income over the terms of the policies. Policy benefits charged to expense during the period include amounts paid in excess of policy accountbalances and interest credited to policy account balances.\nShort Duration Contracts \nThe Company\u2019s short duration contracts include products and services in the Global Lifestyle and Global Housing segments, and Assurant Employee Benefitspolicies fully covered by reinsurance and certain medical policies no longer offered. For Global Lifestyle, the main product lines include extended service contracts,vehicle services contracts, mobile device protection and credit insurance. The main product lines for Global Housing include lender-placed homeowners and flood,Multifamily Housing and manufactured housing. For short duration contracts, claims and benefits payable reserves are recorded when insured events occur. Theliability is based on the expected ultimate cost of settling the claims. The claims and benefits payable reserves include (1) case reserves for known but unpaid claimsas of the balance sheet date; (2) incurred but not reported (\u201cIBNR\u201d) reserves for claims where the insured event has occurred but has not been reported to theCompany as of the balance sheet date; and (3) loss adjustment expense reserves for the expected handling costs of settling the claims. Factors used in the calculationinclude experience derived from historical claim payments and actuarial assumptions including loss development factors and expected loss ratios.\nThe Company has exposure to asbestos, environmental and other general liability claims arising from its participation in various reinsurance pools from 1971through 1985. This exposure arose from a short duration contract that the Company discontinued writing many years ago. The Company carries case reserves forthese liabilities as recommended by the various pool managers and IBNR reserves. Estimation of these liabilities is subject to greater than normal variation anduncertainty due to the general lack of sufficiently detailed data, reporting delays and absence of a generally accepted actuarial methodology for determining theexposures. There are significant unresolved industry legal issues, including such items as whether coverage exists and what constitutes an occurrence. In addition,the determination of ultimate damages and the final allocation of losses to financially responsible parties are highly uncertain.\nChanges in the estimated liabilities are recorded as a charge or credit to policyholder benefits as estimates are updated. Fees paid by the National FloodInsurance Program for processing and adjudication services are reported as a reduction of underwriting, selling, general and administrative expenses.\nDebt \nThe Company reports debt net of acquisition costs, unamortized discount or premium and repurchases. Interest expense related to debt is expensed as incurred.See Note 18 for additional information.\nContingencies \nA loss contingency is recorded if reasonably estimable and probable. The Company establishes reserves for these contingencies at the best estimate, or if noone estimated amount within the range of possible losses is more probable than any other, the Company records an estimated reserve at the low end of the estimatedrange. Contingencies affecting the Company primarily relate to legal and regulatory matters, which are inherently difficult to evaluate and are subject to significantchanges.\nF-15", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5270, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "19ca52cd-c2ce-4871-b187-5878c4b038ae": {"__data__": {"id_": "19ca52cd-c2ce-4871-b187-5878c4b038ae", "embedding": null, "metadata": {"page_label": "92", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "8eb56958-88e6-4aaa-b517-9870ace87651", "node_type": "4", "metadata": {"page_label": "92", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "11d1ada2c3415f841938cd0c355dcc2f0faad85ad9b01c4f3b9595deaf1b87eb", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Other Liabilities\nWith respect to the deductible portion of a high deductible claim, the Company manages and pays the entire claim on behalf of the insured and is reimbursedby the insured for the deductible portion of the claim. These recoverable amounts represent a credit exposure. The Company accounts for credit losses using theexpected credit loss model for high deductible recoverables. The Company uses a probability of default and loss given default methodology in estimating theallowance, whereby the credit ratings of insureds are used in determining the probability of default. The allowance is established for unsecured portion of the highdeductible recoverables on unpaid future policy benefits. The methodology used by the Company incorporates historical default factors for each insured based ontheir credit rating using comparably rated bonds as published by a major ratings service. The allowance is based upon the Company\u2019s ongoing review of amountsoutstanding, length of collection periods, changes in insured credit standing and other relevant factors.\nRetirement of Treasury Stock\nThe Company accounts for the retirement of repurchased shares using the par value method. This method of accounting allocates the cost of repurchased andretired shares between paid-in capital and retained earnings by comparing the price of shares repurchased to the original issue proceeds of those shares. When therepurchase price of the shares is greater than the original issue proceeds, the excess is charged to retained earnings. The Company uses an average cost method todetermine the cost of the repurchased shares to be retired.\nPremiums \nShort Duration Contracts \nThe Company\u2019s short duration contracts revenue is recognized over the contract term in proportion to the amount of insurance protection provided.\nPremiums revenue from vehicle and extended service contracts are earned over the term of the contract, which are typically between three and five years, basedon loss emergence experience. Mobile device protection and credit insurance are monthly policies and premium is earned on a monthly basis.\nPremiums for lender-placed homeowners, manufactured housing and flood insurance, and renters insurance are generally earned on a pro-rata basis over theterm of the policies, which are typically over twelve months.\nReinsurance reinstatement premiums are recognized in the same period as the loss event that gave rise to the reinstatement premium and are netted against netearned premiums in the consolidated statements of operations.\nLong Duration Contracts \nPremiums for the Company\u2019s run-off blocks of long-term care insurance contracts are recognized as revenue when due from the policyholder. For universal lifeinsurance, revenues consist of charges assessed against policy balances. These premiums are ceded. \nFees and Other Income \nThe Company derives fees and other income from providing administrative services, mobile-related services and mortgage property risk management services.These fees are recognized as the services are performed. \nThe Company reports revenues related to long duration and short duration insurance contracts as premiums, including insurance contracts written by non-insurance affiliates, such as certain extended service contracts, consistent with the Company\u2019s principal business of insurance. Components of consideration paid bythe insured are generally not separated as fees and other income. However, when a component of the consideration paid by an insured both does not involve fulfillingthe insurance obligation (in that it does not involve acquisition, claims or other administrative aspects of the insurance contract) and the related service could havebeen written as a separate contract, it is reported in fees and other income.\nDealer obligor service contracts are sales in which an unaffiliated retailer/dealer is the obligor and the Company provides administrative services only. Forthese contract sales, the Company recognizes administrative fee revenue on a pro-rata basis over the terms of the service contract which correspond to the period inwhich the services are performed.\nThe unexpired portion of fee revenues are deferred and amortized over the term of the contracts. These unexpired amounts are reported in accounts payable andother liabilities on the consolidated balance sheets.\n Underwriting, Selling, General and Administrative Expenses \nUnderwriting, selling, general and administrative expenses consist primarily of commissions, premium taxes, licenses, fees, salaries and personnel benefits andother general operating expenses and are expensed as incurred. \nF-16", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4644, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "0c65cbd0-5dc5-4c4d-a9ac-95a6b8ef3cda": {"__data__": {"id_": "0c65cbd0-5dc5-4c4d-a9ac-95a6b8ef3cda", "embedding": null, "metadata": {"page_label": "93", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "c4236f8b-52ec-4586-818d-f9ef96b46b05", "node_type": "4", "metadata": {"page_label": "93", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "161bf0146e77232054a7fe7d3bdfd86069c9e2a1ec233cbcc18ad79dad236595", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Income Taxes\nCurrent federal income taxes are recognized based upon amounts estimated to be payable or recoverable as a result of taxable operations for the current year.Deferred income taxes are recorded for temporary differences between the financial reporting basis and income tax basis of assets and liabilities, based on enactedtax laws and statutory tax rates applicable to the periods in which the Company expects the temporary differences to reverse. A valuation allowance is established fordeferred tax assets when it is more likely than not that an amount will not be realized. The impact of changes in tax rates on all deferred tax assets and liabilities arerequired to be reflected within income on the enactment date, regardless of the financial statement component where the deferred tax originated.\nThe Company classifies net interest expense related to tax matters and any applicable penalties as a component of income tax expense.\nEarnings Per Common Share\nBasic earnings per common share is computed by dividing net income by the weighted average number of common shares outstanding for the period. Dilutedearnings per common share reflects the potential dilution that could occur if securities or other contracts that can be converted into common stock were exercised asof the end of the period, if dilutive. Restricted stock and restricted stock units that have non-forfeitable rights to dividends or dividend equivalents are included incalculating basic and diluted earnings per common share under the two-class method.\nComprehensive Income\nComprehensive income is comprised of net income, net unrealized gains and losses on foreign currency translation, net unrealized gains and losses onsecurities classified as available for sale, and expenses for pension and post-retirement plans, less deferred income taxes.\nLeases \nThe Company records expenses for operating leases on a straight-line basis over the lease term. The Company recognizes assets and liabilities associated withleases on the consolidated balance sheet. The Company and its subsidiaries lease office space and equipment under operating lease arrangements for which theCompany is the lessee. Right-of-use asset, lease liabilities and deferred rent liability related to operating leases with terms in excess of 12 months are recognizedwhen the Company is the lessee.\nRecent Accounting Pronouncements\nChanges to GAAP are established by the Financial Accounting Standards Board (\u201cFASB\u201d) in the form of Accounting Standards Updates (\u201cASUs\u201d) to the FASBAccounting Standards Codification. The Company considers the applicability and impact of all ASUs.\nF-17", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2638, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "ca1ba139-508f-440b-9cd0-b878f2c32233": {"__data__": {"id_": "ca1ba139-508f-440b-9cd0-b878f2c32233", "embedding": null, "metadata": {"page_label": "94", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "954d5e4d-86d6-429d-921f-e1e45cfa7d07", "node_type": "4", "metadata": {"page_label": "94", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "c43cb993cbd5c4c2e0c1e681ada2eec537f71b4dc2e39660dd307a6df07267a8", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Adopted Accounting Pronouncements\nThe table below describes the impacts of the ASUs adopted by the Company, effective December 31, 2024:\nStandard Summary of the Standard Effective dateMethod of Adoption Impact of the Standard on the Company\u2019sFinancial Statements\nASU 2023-07 SegmentReporting (Topic 280):Improvements to ReportableSegment Disclosures\nThe guidance improves reportable segment disclosure requirements primarilythrough enhanced disclosures about significant segment expenses. Keydisclosure updates include:\n\u2022 On an annual and interim basis, significant segment expenses that areregularly provided to the chief operating decision maker (\u201cCODM\u201d) andincluded within each reported measure of segment profit or loss.\n\u2022 On an annual and interim basis, an amount for other segment items byreportable segment and a description of its composition. The other segmentitems category is the difference between segment revenue less the significantexpenses disclosed and each reported measure of segment profit or loss.\n\u2022 All current annual disclosures about a reportable segment\u2019s profit or loss andassets currently required by Topic 280, Segment Reporting on an interim basis.\n\u2022 Clarify that if the CODM uses more than one measure of a segment\u2019s profit orloss in assessing segment performance and deciding how to allocate resources,a public entity may report one or more of those additional measures of segmentprofit. However, at least one of the reported segment\u2019s profit or loss measures(or the single reported measure, if only one is disclosed) should be the measurethat is most consistent with the measurement principles used in measuring thecorresponding amounts in the public entity\u2019s consolidated financial statements.\n\u2022 Require the disclosure of the title and position of the CODM and anexplanation of how the CODM uses the reported measure(s) of segment profitor loss in assessing segment performance and deciding how to allocateresources.\n\u2022 Require that a public entity that has a single reportable segment provide allthe disclosures required by the amendments in the ASU and all existingsegment disclosures in Topic 280.\nThe guidance is applied retrospectively to all periods presented in the financialstatements, unless it is impracticable.\nDecember 31, 2024and for interimperiods thereafter\nThe Company adopted the standard as ofDecember 31, 2024 and the amended segmentinformation disclosures is presented in Note 5.\nFuture Adoption of Accounting Pronouncements\nASUs issued but not yet adopted as of December 31, 2024, that are currently being assessed and may or may not have a material impact on the Company\u2019sconsolidated financial statements or disclosures are included below. ASUs not listed below were assessed and either determined to be not applicable or are notexpected to have a material impact on the Company\u2019s consolidated financial statements or disclosures.\nF-18", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2889, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "d85ba6ad-49fb-42d7-8d0a-f9930e4de78a": {"__data__": {"id_": "d85ba6ad-49fb-42d7-8d0a-f9930e4de78a", "embedding": null, "metadata": {"page_label": "95", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "8fd4b7bb-5857-4f21-a9fb-a02119b852fb", "node_type": "4", "metadata": {"page_label": "95", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "556360a8287a6bdbf8994381ccadb53ef5544a5ff2b1bc1588fed871a5b462e4", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Standard Summary of the Standard Effective dateMethod of Adoption Impact of the Standard on the Company\u2019sFinancial Statements\nASU 2023-09 Income Taxes(Topic 740): Improvements toIncome Tax Disclosures\nThe guidance improves the transparency of income tax disclosures by requiring(1) consistent categories and greater disaggregation of information in the ratereconciliation and (2) income taxes paid disaggregated by jurisdiction. It alsoincludes certain other amendments to improve the effectiveness of income taxdisclosures.\nJanuary 1, 2025 (with early adoptionpermitted) The Company is assessing the adoption of thisstandard as of January 1, 2025. The amendedguidance is expected to have no impact on theCompany\u2019s consolidated financial statements andinsignificant impact on the Company\u2019s income taxdisclosures.\nASU 2024-03 IncomeStatement\u2014ReportingComprehensive Income\u2014Expense DisaggregationDisclosures (Subtopic 220-40):Disaggregation of IncomeStatement Expenses\nThe guidance improves disclosures of specified information about certain costsand expenses at each interim and annual reporting periods. The new disclosurerequirements include:\n\u2022 Disclose the amounts of (a) purchases of inventory; (b) employeecompensation; (c) depreciation; (d) intangible asset amortization;and (e) depreciation, depletion, and amortization recognized as partof oil- and gas-producing activities (or other amounts of depletionexpense) included in each relevant expense caption.\n\u2022 Include certain amounts that are already required to be disclosedunder current GAAP in the same disclosure as the otherdisaggregation requirements.\n\u2022 Disclose a qualitative description of the amounts remaining inrelevant expense captions that are not separately disaggregatedquantitatively.\n\u2022 Disclose the total amount of selling expenses and, in annualreporting periods, an entity\u2019s definition of selling expenses.\nDecember 31, 2027 and for interimperiods thereafter The Company is assessing the impact of adoptingthis standard as of December 31, 2027. Theamended guidance is expected to have no impacton the Company\u2019s consolidated financialstatements and to expand the annual and interimdisclosures of disaggregation of relevant expensecaptions in the Company\u2019s consolidated statementof operations.\n3. Acquisition\nALI\nOn November 1, 2022, the Company acquired American Lease Insurance Agency Corporation (\u201cALI\u201d), a managing general agency headquartered in theCommonwealth of Massachusetts, and its captive subsidiary, The Equipment Lease Reinsurance Company Ltd, licensed in Turks and Caicos, for total considerationof $60.0 million in cash. ALI is a provider of property and liability insurance products for commercial equipment and vehicles that are leased or financed. TheCompany recorded $37.4 million of goodwill, $19.2 million of other intangible assets, which are primarily dealer relationships amortizable over 10 years, and$1.9 million of VOBA, which is amortizable over 5 years based on the earnings pattern.\n4. Allowance for Credit Losses\nThe total allowance for credit losses for the financial assets was $20.7 million and $26.8 million as of December 31, 2024 and 2023, respectively.\nThe following table presents the net increases (decreases) to the allowance for credit losses as classified in the consolidated statements of operations for theperiods indicated:\nFor the Years Ended December 31,\n2024 2023\nCommercial mortgage loans on real estate $ 2.5 $ 2.2 \nNet realized gains (losses) on investments and fair value changes to equity securities 2.5 2.2 \nUnderwriting, selling, general and administrative expenses (5.6) 0.9 \nNet increase (decrease) in allowance for credit losses $ (3.1) $ 3.1 \nReinsurance Recoverables\nAs part of the Company\u2019s overall risk and capacity management strategy, reinsurance is used to mitigate certain risks underwritten by various businesssegments. The Company is exposed to the credit risk of reinsurers, as the Company remains liable to insureds regardless of whether related reinsurance recoverablesare collected. As of December 31, 2024 and 2023, reinsurance recoverables totaled $7.58 billion and $6.65 billion, respectively, the majority of which are protectedfrom\nF-19", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4186, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "875aec4b-9acf-404b-837a-3187c92b2c99": {"__data__": {"id_": "875aec4b-9acf-404b-837a-3187c92b2c99", "embedding": null, "metadata": {"page_label": "96", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "8fbc06af-2364-4081-97fa-f6c282bfc5ce", "node_type": "4", "metadata": {"page_label": "96", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "cec4ec80233970ee6ad03523643f366d063c26b895b30dd638c97c732f1408df", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "credit risk by various types of collateral or other risk mitigation mechanisms, such as trusts, letters of credit or by withholding the assets in a modified coinsurance orfunds withheld arrangement.\nThe Company utilizes external credit ratings published by S&P Global Ratings, a division of S&P Global Inc., at the balance sheet date when determining theallowance. Where rates are not available, the Company assigns default credit ratings based on if the reinsurer is authorized or unauthorized. Of the total recoverablessubject to the allowance, 84% were rated A- or better, 5% were rated B- and 11% were not rated based on the Company\u2019s analysis and assigned ratings for the yearended December 31, 2024; and 82% were rated A- or better, 1% were rated BBB or BB, and 17% were not rated based on the Company\u2019s analysis and assignedratings for the year ended December 31, 2023.\nThe following table presents the changes in the allowance for credit losses by portfolio segment for reinsurance recoverables for the periods indicated:\nGlobal Lifestyle Global Housing Corporateand Other Total\nBalance, December 31, 2022 $ 3.6 $ 1.1 $ 0.7 $ 5.4 \nCurrent period change for credit losses (0.3) \u2014 (0.3) (0.6)\nBalance, December 31, 2023 3.3 1.1 0.4 4.8 \nCurrent period change for credit losses (0.1) 0.2 0.1 0.2 \nBalance, December 31, 2024 $ 3.2 $ 1.3 $ 0.5 $ 5.0 \nFor the years ended December 31, 2024 and 2023, the current period change for credit losses was $0.2 million and $(0.6) million, respectively. Whendetermining the allowance as of December 31, 2024 and 2023, the Company did not increase default probabilities by reinsurer since there had been no credit ratingdowngrades or major negative credit indications of the Company\u2019s reinsurers that has impacted rating. The allowance may be increased and income reduced in futureperiods if there are future ratings downgrades or other measurable information supporting an increase in reinsurer default probabilities, including collateralreductions.\nPremium and Accounts Receivables\nThe Company is exposed to credit risk from premiums and other accounts receivables. For premiums receivable, the exposure to loss upon a default is oftenmitigated by the ability to terminate the policy on default and offset the corresponding unearned premium liability. The Company has other mitigating offsets fromamounts payable on commissions and profit share arrangements when the counterparty to the receivable is a sponsor/agent of the Company\u2019s insurance product.\nThe following table presents the changes in the allowance for credit losses by portfolio segment for premium and accounts receivables for the periodsindicated:\nGlobal Lifestyle Global Housing Corporateand Other Total\nBalance, December 31, 2022 $ 5.8 $ 2.2 $ 1.2 $ 9.2 \nCurrent period change for credit losses 2.3 1.1 0.4 3.8 \nRecoveries (0.3) \u2014 \u2014 (0.3)\nWrite-offs (1.5) (0.9) (1.2) (3.6)\nForeign currency translation (0.1) \u2014 \u2014 (0.1)\nBalance, December 31, 2023 6.2 2.4 0.4 9.0 \nCurrent period change for credit losses 2.3 0.6 \u2014 2.9 \nRecoveries (0.3) (1.5) \u2014 (1.8)\nWrite-offs (1.6) (0.7) (0.3) (2.6)\nForeign currency translation (0.3) \u2014 \u2014 (0.3)\nBalance, December 31, 2024 $ 6.3 $ 0.8 $ 0.1 $ 7.2 \nFor the year ended December 31, 2024, the current period change for credit losses was $2.9 million, primarily due to an increase in Global Lifestyle acrossvarious products. For the year ended December 31, 2023, the current period change for credit losses was $3.8 million. There is a risk that income may be reduced infuture periods for additional credit losses.\nCommercial Mortgage Loans\nF-20", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3585, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "0a10c736-579f-43c3-821d-24f8bf233deb": {"__data__": {"id_": "0a10c736-579f-43c3-821d-24f8bf233deb", "embedding": null, "metadata": {"page_label": "97", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "294b9bca-9492-484d-9b97-13a333797f56", "node_type": "4", "metadata": {"page_label": "97", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "7911902dba0c48128dc4327d42a39a1ad360b0f0858790b24b8ca1687f067ce3", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "For the years ended December 31, 2024 and 2023, the current period change for credit losses was $2.5 million and $2.2 million, respectively. The increase in2024 was primarily driven by changes in certain key credit quality indicators. Refer to Notes 2 and 7 for additional information on commercial mortgage loans.\nAvailable for Sale Securities\nThere was no allowance for credit losses as of December 31, 2024 and 2023. Refer to Notes 2 and 7 for additional information on available for sale securities.\nHigh Deductible Recoverables\nFor the year ended December 31, 2024, the Company reduced its allowance for credit losses for the unsecured portion of the high deductible recoverables by$6.9 million to $1.4 million as of December 31, 2024, due to the ongoing run-off of the sharing economy business. Refer to Note 2 for additional information onhigh deductible recoverables.\n5. Segment Information\nAs of December 31, 2024, the Company had two reportable operating segments: Global Lifestyle and Global Housing. In addition, the Company reports theCorporate and Other segment, which includes corporate employee-related expenses and activities of the holding company.\nThe Company\u2019s chief operating decision maker (\u201cCODM\u201d) is the chief executive officer (\u201cCEO\u201d). Adjusted EBITDA is the primary measure used by theCODM to assess performance and allocate resources to the segments. The CODM budgets and forecasts for each segment based on Adjusted EBITDA then tracksand assesses performance throughout the year by comparing the actual Adjusted EBITDA to the budget or forecast for each segment. The individual operatingsegment performance is one of the considerations when determining the compensation of certain employees.\nThe Company defines Adjusted EBITDA, the segment measure of profitability, as net income, excluding net realized gains (losses) on investments and fairvalue changes to equity securities, non-core operations (defined below), restructuring costs related to strategic exit activities (outside of normal periodic restructuringand cost management activities), Assurant Health runoff operations (described below), interest expense, provision (benefit) for income taxes, depreciation expense,amortization of purchased intangible assets, as well as other highly variable or unusual items.\nThe following tables provide information about the segments\u2019 Adjusted EBITDA.\nF-21", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2383, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "7271f551-6c82-495b-b148-2c6c66aafe16": {"__data__": {"id_": "7271f551-6c82-495b-b148-2c6c66aafe16", "embedding": null, "metadata": {"page_label": "98", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "68fe61f4-0a3c-406e-a2fc-7e2659ff9cbc", "node_type": "4", "metadata": {"page_label": "98", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "df362e51283a30018e78fbeb56997014bc401d7e318aacea1b337e9a85c1a541", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Years Ended December 31,\n2024 2023 2022\nGlobal Lifestyle:\nNet earned premiums, fees and other income:\nConnected Living $ 4,807.9 $ 4,376.8 $ 4,259.4 \nGlobal Automotive 4,159.4 4,184.6 3,802.5 \nNet investment income 356.6 347.5 253.6 \nTotal revenues 9,323.9 8,908.9 8,315.5 \nPolicyholder benefits 1,738.6 1,607.9 1,356.6 \nSelling and underwriting expense (1) 4,770.4 4,789.3 4,530.3 \nCost of sales (2) 841.6 564.2 528.5 \nGeneral expenses (3) 1,199.9 1,155.2 1,090.7 \nSegment Adjusted EBITDA $ 773.4 $ 792.3 $ 809.4 \nGlobal Housing:\nNet earned premiums, fees and other income:\nHomeowners $ 1,958.9 $ 1,663.4 $ 1,402.2 \nRenters and Other 498.1 479.5 482.4 \nNet investment income 127.3 109.7 75.8 \nTotal revenues 2,584.3 2,252.6 1,960.4 \nPolicyholder benefits 1,010.2 862.0 884.1 \nSelling and underwriting expense (1) 158.1 137.1 148.9 \nGeneral expenses (4) 744.8 679.3 681.4 \nSegment Adjusted EBITDA $ 671.2 $ 574.2 $ 246.0 \nCorporate:\nFees and other income $ 0.4 $ 0.2 $ 0.5 \nNet investment income 27.2 21.4 26.9 \nTotal revenues 27.6 21.6 27.4 \nPolicyholder benefits \u2014 0.1 0.5 \nGeneral expenses (3) 149.8 130.5 126.1 \nSegment Adjusted EBITDA $ (122.2) $ (109.0) $ (99.2)\n(1) Consists primarily of commissions, premium taxes and amortization of deferred acquisition costs.(2) Consists primarily of costs to acquire, and repair or refurbish mobile and other electronic devices the Company sells to third-parties.(3) Consists primarily of licenses, fees, and general operating expenses.(4) Consists primarily of lender-placed tracking, licenses, fees, and general operating expenses.\nF-22", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1583, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "299549b2-9d9c-488b-9eb0-5e3469b460e2": {"__data__": {"id_": "299549b2-9d9c-488b-9eb0-5e3469b460e2", "embedding": null, "metadata": {"page_label": "99", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "1f98a7d2-fe40-4062-a882-747dacab8d0a", "node_type": "4", "metadata": {"page_label": "99", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "91a941596560836acdde5e194b9af152931b0ea43e67b30ad6817609203f1ce2", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The following table presents segment Adjusted EBITDA with a reconciliation to net income:\n Years Ended December 31,\n 2024 2023 2022\nAdjusted EBITDA by segment:\nGlobal Lifestyle $ 773.4 $ 792.3 $ 809.4 \nGlobal Housing 671.2 574.2 246.0 \nCorporate and Other (122.2) (109.0) (99.2)\nReconciling items to consolidated net income:\nInterest expense (107.0) (108.0) (108.3)\nDepreciation expense (139.4) (109.3) (86.3)\nAmortization of purchased intangible assets (69.1) (77.9) (69.7)\nNet realized losses on investments and fair value changes to equity securities (75.8) (68.7) (179.7)\nNon-core operations (1) (14.2) (50.4) (79.5)\nRestructuring costs (5.4) (34.3) (53.1)\nAssurant Health runoff operations (2) \u2014 6.9 (0.6)\nOther adjustments 15.8 (9.0) (29.1)\nTotal reconciling items (395.1) (450.7) (606.3)\nIncome before income tax expense 927.3 806.8 349.9 \nIncome tax expense 167.1 164.3 73.3 \nNet income $ 760.2 $ 642.5 $ 276.6 \n(1) Consists of certain businesses which the Company has fully exited or expects to fully exit, including the long-tail commercial liability businesses (sharing economy and small commercial businesses),certain legacy long-duration insurance policies and the Company\u2019s operations in mainland China (not Hong Kong) (collectively referred to as \u201cnon-core operations\u201d). The non-core operations do notqualify as held for sale or discontinued operations under GAAP accounting guidance and are presented as a reconciling item to consolidated net income. During 2024, the mainland China operationswere sold and will no longer be included in non-core operations going forward. Includes goodwill impairment of $7.8 million for the year ended December 31, 2022. Refer to Note 14 for additionalinformation.(2) In first quarter 2023, the Company recorded income of $7.5 million related to a payment it received from Time Insurance Company (\u201cTIC\u201d) pursuant to a participation agreement that the Companyhad with TIC in connection with its sale by the Company in 2018. The payment related to the Company\u2019s prior participation in the risk adjustment program introduced by the Patient Protection andAffordable Care Act of 2010.\nThe Company principally operates in the U.S., as well as Europe, Latin America, Canada and Asia Pacific. The following table summarizes selected financialinformation by geographic location for the years ended or as of December 31, 2024, 2023 and 2022:\nLocation Revenues Long-livedAssets\n2024\nUnited States $ 9,815.5 $ 681.1 \nForeign countries 2,062.0 87.2 \nTotal $ 11,877.5 $ 768.3 \n2023\nUnited States $ 9,295.7 $ 654.6 \nForeign countries 1,835.9 31.2 \nTotal $ 11,131.6 $ 685.8 \n2022\nUnited States $ 8,386.6 $ 606.0 \nForeign countries 1,806.4 39.1 \nTotal $ 10,193.0 $ 645.1 \nRevenue is based in the country where the product was sold and the physical location of long-lived assets, which are primarily property and equipment.\nThe following table presents total assets by segment:\nF-23", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2914, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "870ff28b-3fc4-4f7b-bb99-1a0c753590c9": {"__data__": {"id_": "870ff28b-3fc4-4f7b-bb99-1a0c753590c9", "embedding": null, "metadata": {"page_label": "100", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "dd20cda0-1332-40fa-83d1-faf9417bf527", "node_type": "4", "metadata": {"page_label": "100", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f6f6198c614cb65de7898a0906148dedb62c48cad4163276156588f0cd1c4a76", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "December 31, 2024 December 31, 2023\nGlobal Lifestyle (1) $ 27,468.0 $ 27,642.9 \nGlobal Housing (1) 5,773.4 4,274.5 \nCorporate and Other (2) 1,779.2 1,717.8 \nSegment assets $ 35,020.6 $ 33,635.2 \n(1) Segment assets for Global Lifestyle and Global Housing do not include net unrealized gains (losses) on securities attributable to those segments, which are all included within Corporate and Other.(2) Corporate and Other includes the Miami, Florida property with a carrying value of $46.0 million as of December 31, 2024 and 2023, which met held-for-sale criteria and was included in other assets.The Company has ceased depreciation of these assets which are recorded at carrying value, which is less than the estimated fair value less estimated costs to sell. During first quarter 2025, theCompany entered into an agreement to sell the Miami, Florida property to a buyer for a purchase price of $126.0 million. The transaction is subject to the buyer receiving the requisite developmentapprovals from relevant state and local government authorities, including approvals relating to land use, rezoning and site plan. There can be no assurance that the transaction will be consummated.\n6. Contract Revenues\nThe Company partners with clients to provide consumers with a diverse range of protection products and services. The Company\u2019s revenues from protectionproducts are accounted for as insurance contracts and are recognized over the term of the insurance protection provided. Revenues from service contracts and salesof products are recognized as the contractual performance obligations are satisfied or the products are delivered. Revenue is measured as the amount of considerationthe Company expects to be entitled to in exchange for performing the services or transferring products. If payments are received before the related revenue isrecognized, the amount is recorded as unearned revenue or advance payment liabilities, until the performance obligations are satisfied or the products are transferred.\nThe disaggregated revenues from service contracts included in fees and other income on the consolidated statements of operations are $1.41 billion,$1.16 billion and $1.09 billion for Global Lifestyle and $127.8 million, $84.3 million and $82.9 million for Global Housing for the years ended December 31, 2024,2023 and 2022, respectively.\nGlobal Lifestyle\nIn the Global Lifestyle segment, revenues from service contracts and sales of products are primarily from the Company\u2019s Connected Living business. Throughpartnerships with mobile service providers, the Company provides administrative services related to its mobile device protection products, including program designand marketing strategy, risk management, data analytics, customer support and claims handling, supply chain and service delivery, repair and logistics, and devicedisposition. Administrative fees are generally billed monthly based on the volume of services provided during the billing period (for example, based on the numberof mobile subscribers) with payment due within a short-term period. Each service or bundle of services, depending on the contract, is an individual performanceobligation with a standalone selling price. The Company recognizes revenue as it invoices, which corresponds to the value transferred to the customer.\nThe Company also repairs, refurbishes and then sells mobile and other electronic devices, on behalf of its client, for a bundled per unit fee. The entireprocessing of the device is considered one performance obligation with a standalone selling price and thus, the per unit fee is recognized when the products are sold.Payments are generally due prior to shipment or within a short-term period.\nGlobal Housing\nIn the Global Housing segment, revenues from service contracts and sales of products are primarily from the Homeowners business. As part of theHomeowners business, the Company provides loan and claim payment tracking services for lenders. The Company generally invoices its customers weekly ormonthly based on the volume of services provided during the billing period with payment due within a short-term period. Each service is an individual performanceobligation with a standalone selling price. The Company recognizes revenue as it invoices, which corresponds to the value transferred to the customer.\nContract Balances\nThe receivables and unearned revenue under these contracts were $171.3 million and $153.8 million, respectively, as of December 31, 2024, and $218.9million and $155.4 million, respectively, as of December 31, 2023. These balances are included in premiums and accounts receivable and the accounts payable andother liabilities, respectively, in the consolidated balance sheets. Revenue from service contracts and sales of products recognized during the years ended December31, 2024 and\nF-24", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4835, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "d5206d5b-019a-44a9-a365-de73bfe710e4": {"__data__": {"id_": "d5206d5b-019a-44a9-a365-de73bfe710e4", "embedding": null, "metadata": {"page_label": "101", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "23cd37b8-bf2c-4917-8439-189fc02bb507", "node_type": "4", "metadata": {"page_label": "101", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "271e0b5aefb513c3296ed7eeae864ceeb1ff30b56bbf8bbc7a972a9807a24326", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "2023 that was included in unearned revenue as of December 31, 2023 and 2022 were $45.1 million and $76.6 million, respectively.\nIn certain circumstances, the Company defers upfront commissions and other costs in connection with client contracts in excess of one year where theCompany can demonstrate future economic benefit. For these contracts, expense is recognized as revenues are earned. The Company periodically assessesrecoverability based on the performance of the related contracts. As of December 31, 2024 and 2023, the Company had approximately $83.4 million and $47.2million, respectively, of such intangible assets that will be expensed over the term of the client contracts.\n7. Investments\nThe following tables show the cost or amortized cost, allowance for credit losses, gross unrealized gains and losses, and fair value of the Company\u2019s fixedmaturity securities as of the dates indicated:\n December 31, 2024\n \nCost orAmortizedCost Allowance for CreditLosses\nGrossUnrealizedGains\nGrossUnrealizedLosses Fair Value\nFixed maturity securities:\nU.S. government and government agencies andauthorities $ 54.5 $ \u2014 $ 0.1 $ (3.4) $ 51.2 \nStates, municipalities and political subdivisions 128.7 \u2014 0.6 (10.2) 119.1 \nForeign governments 484.6 \u2014 2.6 (25.1) 462.1 \nAsset-backed 940.3 \u2014 6.5 (9.5) 937.3 \nCommercial mortgage-backed 371.8 \u2014 1.0 (36.4) 336.4 \nResidential mortgage-backed 690.0 \u2014 1.6 (50.5) 641.1 \nU.S. corporate 3,364.3 \u2014 26.9 (203.8) 3,187.4 \nForeign corporate 1,490.6 \u2014 19.0 (69.1) 1,440.5 \nTotal fixed maturity securities $ 7,524.8 $ \u2014 $ 58.3 $ (408.0) $ 7,175.1 \n \n December 31, 2023\n \nCost orAmortizedCost Allowances for CreditLosses\nGrossUnrealizedGains\nGrossUnrealizedLosses Fair Value\nFixed maturity securities:\nU.S. government and government agencies andauthorities $ 68.9 $ \u2014 $ 0.7 $ (4.4) $ 65.2 \nStates, municipalities and political subdivisions 159.2 \u2014 1.2 (11.2) 149.2 \nForeign governments 483.1 \u2014 9.4 (12.7) 479.8 \nAsset-backed 891.4 \u2014 5.2 (22.8) 873.8 \nCommercial mortgage-backed 383.1 \u2014 0.4 (53.3) 330.2 \nResidential mortgage-backed 534.7 \u2014 1.9 (50.6) 486.0 \nU.S. corporate 3,300.5 \u2014 45.3 (215.4) 3,130.4 \nForeign corporate 1,471.5 \u2014 17.6 (91.6) 1,397.5 \nTotal fixed maturity securities $ 7,292.4 $ \u2014 $ 81.7 $ (462.0) $ 6,912.1 \nThe cost or amortized cost and fair value of fixed maturity securities as of December 31, 2024 by contractual maturity are shown below. Actual maturities maydiffer from contractual maturities because issuers of the securities may have the right to call or prepay obligations with or without call or prepayment penalties. \nF-25", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2585, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "5e4eb29b-344e-4524-b1b7-9e8097fa5fd6": {"__data__": {"id_": "5e4eb29b-344e-4524-b1b7-9e8097fa5fd6", "embedding": null, "metadata": {"page_label": "102", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "4570f62f-9e49-48d7-bad3-78c022f96b83", "node_type": "4", "metadata": {"page_label": "102", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "9bf9d2ddf371f56a4475fe0e780de224cbe741ce06e36d5a03f925ec976646bb", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "December 31, 2024\nCost orAmortizedCost Fair Value\nDue in one year or less $ 183.1 $ 183.1 \nDue after one year through five years 1,338.0 1,325.0 \nDue after five years through ten years 2,928.8 2,827.1 \nDue after ten years 1,072.8 925.1 \nTotal 5,522.7 5,260.3 \nAsset-backed 940.3 937.3 \nCommercial mortgage-backed 371.8 336.4 \nResidential mortgage-backed 690.0 641.1 \nTotal $ 7,524.8 $ 7,175.1 \nThe following table shows the major categories of net investment income for the periods indicated:\n Years Ended December 31,\n 2024 2023 2022\nFixed maturity securities $ 385.9 $ 335.3 $ 270.0 \nEquity securities 13.2 15.2 15.0 \nCommercial mortgage loans on real estate 19.2 17.5 14.9 \nShort-term investments 18.4 12.9 4.7 \nOther investments 21.3 39.1 48.6 \nCash and cash equivalents 77.0 85.7 25.7 \nTotal investment income 535.0 505.7 378.9 \nInvestment expenses (16.1) (16.6) (14.8)\nNet investment income $ 518.9 $ 489.1 $ 364.1 \nNo material investments of the Company were non-income producing for the years ended December 31, 2024, 2023 and 2022.\nThe following table summarizes the proceeds from sales of available-for-sale fixed maturity securities and the gross realized gains and gross realized lossesthat have been recognized in the statement of operations as a result of those sales for the periods indicated:\n Years Ended December 31,\n 2024 2023 2022\nFixed maturity securities:\nProceeds from sales $ 1,330.9 $ 1,464.6 $ 2,468.8 \nGross realized gains $ 1.3 $ 5.6 $ 9.4 \nGross realized losses (72.4) (49.3) (73.2)\nNet realized (losses) gains on investments from sales of fixed maturity securities $ (71.1) $ (43.7) $ (63.8)\nFor securities sold at a loss during the year ended December 31, 2024, the average period of time these securities were trading continuously at a price belowbook value was approximately 23 months. \nThe following table sets forth the net realized gains (losses) on investments and fair value changes to equity securities, including impairments, recognized inthe statement of operations for the periods indicated:\nF-26", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2038, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "bfc7043d-f2c9-48ae-9566-3ca80fcff2dc": {"__data__": {"id_": "bfc7043d-f2c9-48ae-9566-3ca80fcff2dc", "embedding": null, "metadata": {"page_label": "103", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "ff8ced32-6df6-4d72-95d7-c96b28802ce9", "node_type": "4", "metadata": {"page_label": "103", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "07b7b9134d45457f8d3176718e87eee03bb75172c31c7616c28f602ad0b9d197", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Years Ended December 31,\n 2024 2023 2022\nNet realized (losses) gains on investments and fair value changes to equity securities related tosales and other:\nFixed maturity securities $ (71.0) $ (43.3) $ (63.7)\nEquity securities (1) (2) 19.5 (7.2) (112.2)\nCommercial mortgage loans on real estate (2.5) (2.2) (0.7)\nOther investments 3.3 1.0 1.5 \nTotal net realized (losses) gains on investments and fair value changes to equity securitiesrelated to sales and other (50.7) (51.7) (175.1)\nNet realized losses related to impairments:\nFixed maturity securities (1.3) (4.1) (1.6)\nOther investments (1) (23.8) (12.9) (3.0)\nTotal net realized losses related to impairments (25.1) (17.0) (4.6)\nTotal net realized (losses) gains on investments and fair value changes to equitysecurities $ (75.8) $ (68.7) $ (179.7)\n(1) Upward adjustments of $6.8 million, $0.6 million and $19.5 million and impairments of $23.8 million, $12.9 million, and $3.0 million were realized on equity investments accounted for under themeasurement alternative for the years ended December 31, 2024, 2023 and 2022, respectively.(2) The years ended December 31, 2024, 2023 and 2022 included $1.2 million, $6.6 million, and $92.5 million in realized and unrealized losses, respectively, from four equity positions that went publicduring 2021. The total fair value of these equity securities as of December 31, 2024, 2023 and 2022 was $1.7 million, $2.9 million and $9.6 million, respectively, included in equity securities in theconsolidated balance sheet.\nThe following table sets forth the portion of fair value changes to equity securities held for the periods indicated:\nYears Ended December 31,\n2024 2023 2022\nNet gains (losses) recognized on equity securities $ 19.5 $ (7.2) $ (112.2)\nLess: Net realized gains (losses) related to sales of equity securities 5.7 (6.6) 20.5 \nTotal fair value changes to equity securities held $ 13.8 $ (0.6) $ (132.7)\nEquity investments accounted for under the measurement alternative are included within other investments on the consolidated balance sheets. The followingtable summarizes information related to these investments:\nDecember 31, 2024 December 31, 2023\nInitial cost $ 74.8 $ 86.8 \nCumulative upward adjustments 57.9 51.1 \nCumulative downward adjustments (including impairments) (24.4) (17.9)\nCarrying value $ 108.3 $ 120.0 \nThe investment category and duration of the Company\u2019s gross unrealized losses on fixed maturity securities, as of December 31, 2024 and 2023 were asfollows:\nF-27", "mimetype": "text/plain", "start_char_idx": 1, "end_char_idx": 2497, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "569feb7c-d78b-4934-960d-b5b745769d4d": {"__data__": {"id_": "569feb7c-d78b-4934-960d-b5b745769d4d", "embedding": null, "metadata": {"page_label": "104", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "784629a1-886b-461a-ad73-e059ed691450", "node_type": "4", "metadata": {"page_label": "104", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "556f48529ac2d4603afcbccee817d25f2266266f17cf3ccbc8d47415beba070f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "December 31, 2024\n Less than 12 months 12 Months or More Total\n Fair Value UnrealizedLosses FairValue UnrealizedLosses Fair Value UnrealizedLosses\nFixed maturity securities:\nU.S. government and government agencies andauthorities $ 25.8 $ (0.6) $ 21.4 $ (2.8) $ 47.2 $ (3.4)\nStates, municipalities and political subdivisions 20.4 (1.5) 66.1 (8.7) 86.5 (10.2)\nForeign governments 164.8 (10.9) 171.3 (14.2) 336.1 (25.1)\nAsset-backed 59.0 (3.5) 87.6 (6.0) 146.6 (9.5)\nCommercial mortgage-backed 65.7 (1.3) 195.8 (35.1) 261.5 (36.4)\nResidential mortgage-backed 223.4 (4.8) 209.7 (45.7) 433.1 (50.5)\nU.S. corporate 1,083.8 (29.9) 954.3 (173.9) 2,038.1 (203.8)\nForeign corporate 368.1 (9.9) 431.4 (59.2) 799.5 (69.1)\nTotal fixed maturity securities $ 2,011.0 $ (62.4) $ 2,137.6 $ (345.6) $ 4,148.6 $ (408.0)\n December 31, 2023\n Less than 12 months 12 Months or More Total\n Fair Value UnrealizedLosses FairValue UnrealizedLosses Fair Value UnrealizedLosses\nFixed maturity securities:\nU.S. government and government agencies andauthorities $ 5.2 $ (0.1) $ 43.7 $ (4.3) $ 48.9 $ (4.4)\nStates, municipalities and political subdivisions 3.9 (0.1) 96.5 (11.1) 100.4 (11.2)\nForeign governments 42.5 (0.5) 203.5 (12.2) 246.0 (12.7)\nAsset-backed 64.0 (3.0) 404.7 (19.8) 468.7 (22.8)\nCommercial mortgage-backed 66.3 (8.4) 244.2 (44.9) 310.5 (53.3)\nResidential mortgage-backed 98.8 (3.5) 285.1 (47.1) 383.9 (50.6)\nU.S. corporate 331.9 (14.7) 1,596.4 (200.7) 1,928.3 (215.4)\nForeign corporate 153.9 (5.6) 744.8 (86.0) 898.7 (91.6)\nTotal fixed maturity securities $ 766.5 $ (35.9) $ 3,618.9 $ (426.1) $ 4,385.4 $ (462.0)\n \nTotal gross unrealized losses represented approximately 10% and 11% of the aggregate fair value of the related securities as of December 31, 2024 and 2023,respectively. Approximately 15% and 8% of these gross unrealized losses had been in a continuous loss position for less than twelve months as of December 31,2024 and 2023, respectively. The total gross unrealized losses are comprised of 2,712 and 3,096 individual securities as of December 31, 2024 and 2023,respectively. In accordance with its policy, the Company concluded that for these securities, the gross unrealized losses as of December 31, 2024 and December 31,2023 were related to non-credit factors and therefore, did not recognize credit-related losses during the year ended December 31, 2024. Additionally, the Companycurrently does not intend to and is not required to sell these investments prior to an anticipated recovery in value.\nF-28", "mimetype": "text/plain", "start_char_idx": 1, "end_char_idx": 2512, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "9f50b38e-c32d-4fb5-b049-746e14a193e4": {"__data__": {"id_": "9f50b38e-c32d-4fb5-b049-746e14a193e4", "embedding": null, "metadata": {"page_label": "105", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "481cc9b6-a866-43b6-a35b-ee9ca7a97755", "node_type": "4", "metadata": {"page_label": "105", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "311f79b6df43043d800b89b803766f8e5d77f2377007777d55e9f0ee49a01096", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The cost or amortized cost and fair value of available-for-sale fixed maturity securities in an unrealized loss position as of December 31, 2024, by contractualmaturity, is shown below:\nDecember 31, 2024\nCost orAmortizedCost, Net of Allowance Fair Value\nDue in one year or less $ 70.4 $ 70.0 \nDue after one year through five years 676.7 650.0 \nDue after five years through ten years 2,024.1 1,897.7 \nDue after ten years 847.8 689.7 \nTotal 3,619.0 3,307.4 \nAsset-backed 156.1 146.6 \nCommercial mortgage-backed 297.9 261.5 \nResidential mortgage-backed 483.6 433.1 \nTotal $ 4,556.6 $ 4,148.6 \n The Company has entered into commercial mortgage loans, collateralized by the underlying real estate, on properties located throughout the U.S. As ofDecember 31, 2024, approximately 36% of the outstanding principal balance of commercial mortgage loans was concentrated in the states of California, Texas andMaryland. Although the Company has a diversified loan portfolio, an economic downturn could have an adverse impact on the ability of its debtors to repay theirloans. The outstanding balance of commercial mortgage loans range in size from less than $0.1 million to $5.0 million as of December 31, 2024 and from $0.1million to $10.0 million as of December 31, 2023. \nCredit quality indicators for commercial mortgage loans are loan-to-value and debt-service coverage ratios. The loan-to-value ratio compares the principalamount of the loan to the fair value of the underlying property collateralizing the loan, and is commonly expressed as a percentage. The debt-service coverage ratiocompares a property\u2019s net operating income to its debt-service payments and is commonly expressed as a ratio. The loan-to-value and debt-service coverage ratiosare generally updated annually in the fourth quarter.\nF-29", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1799, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "a167ba84-0569-482b-9d4a-2bb3f4737627": {"__data__": {"id_": "a167ba84-0569-482b-9d4a-2bb3f4737627", "embedding": null, "metadata": {"page_label": "106", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "317ea70a-0974-48b2-9fad-0690a4a3ae69", "node_type": "4", "metadata": {"page_label": "106", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "5ff6d88fc190067420cb90c1e6429cb3232bf8787f67f8fe3bdd9cb1018e0f60", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The following table presents the amortized cost basis of commercial mortgage loans, excluding allowance for credit losses, by origination year for certain keycredit quality indicators at December 31, 2024 and 2023, respectively.\nDecember 31, 2024\nOrigination Year\n2024 2023 2022 2021 2020 Prior Total % of Total\nLoan to value ratios (1):\n70% and less $ 51.9 $ 43.2 $ 29.6 $ 16.0 $ \u2014 $ 57.9 $ 198.6 56.9 %\n71% to 80% 3.8 4.9 22.8 65.5 2.8 \u2014 99.8 28.6 %\n81% to 95% \u2014 \u2014 12.6 8.6 \u2014 9.5 30.7 8.8 %\nGreater than 95% \u2014 3.8 9.9 6.2 \u2014 \u2014 19.9 5.7 %\nTotal $ 55.7 $ 51.9 $ 74.9 $ 96.3 $ 2.8 $ 67.4 $ 349.0 100.0 %\nDecember 31, 2024\nOrigination Year\n2024 2023 2022 2021 2020 Prior Total % of Total\nDebt service coverageratios (2):\nGreater than 2.0 $ 6.4 $ 0.6 $ 18.0 $ 10.8 $ \u2014 $ 43.4 $ 79.2 22.7 %\n1.5 to 2.0 20.9 12.2 10.9 25.0 \u2014 14.0 83.0 23.8 %\n1.0 to 1.5 27.4 18.8 20.4 22.5 2.8 4.8 96.7 27.7 %\nLess than 1.0 1.0 20.3 25.6 38.0 \u2014 5.2 90.1 25.8 %\nTotal $ 55.7 $ 51.9 $ 74.9 $ 96.3 $ 2.8 $ 67.4 $ 349.0 100.0 %\n(1) LTV ratio derived from current loan balance divided by the fair value of the property. The fair value of the underlying commercial properties is updated at least annually.(2) DSC ratio calculated using most recent reported operating income results from property operators divided by annual debt service coverage.\nF-30", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1322, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "6615ae23-d2f6-43db-9f39-0669e69c8aef": {"__data__": {"id_": "6615ae23-d2f6-43db-9f39-0669e69c8aef", "embedding": null, "metadata": {"page_label": "107", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "994b3d3c-02dc-4701-9fe7-78da237a8bb7", "node_type": "4", "metadata": {"page_label": "107", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "5d7c4192fc28f75ea0010c320e9ce1340bc7a32a50e1cecd84395f8898061c35", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "December 31, 2023\nOrigination Year\n2023 2022 2021 2020 2019 Prior Total % of Total\nLoan to value ratios (1):\n70% and less $ 49.6 $ 42.3 $ 29.5 $ \u2014 $ \u2014 $ 60.1 $ 181.5 54.6 %\n71% to 80% 2.5 22.7 69.6 2.8 \u2014 4.4 102.0 30.7 %\n81% to 95% \u2014 10.7 25.5 \u2014 \u2014 5.5 41.7 12.5 %\nGreater than 95% \u2014 2.0 1.3 \u2014 \u2014 4.1 7.4 2.2 %\nTotal $ 52.1 $ 77.7 $ 125.9 $ 2.8 $ \u2014 $ 74.1 $ 332.6 100.0 %\nDecember 31, 2023\nOrigination Year\n2023 2022 2021 2020 2019 Prior Total % of Total\nDebt service coverageratios (2):\nGreater than 2.0 $ \u2014 $ 11.8 $ 9.3 $ \u2014 $ \u2014 $ 44.9 $ 66.0 19.8 %\n1.5 to 2.0 18.9 23.6 28.7 \u2014 \u2014 12.2 83.4 25.1 %\n1.0 to 1.5 33.2 18.2 40.1 \u2014 \u2014 7.1 98.6 29.7 %\nLess than 1.0 \u2014 24.1 47.8 2.8 \u2014 9.9 84.6 25.4 %\nTotal $ 52.1 $ 77.7 $ 125.9 $ 2.8 $ \u2014 $ 74.1 $ 332.6 100.0 %\n(1) LTV ratio derived from current loan balance divided by the fair value of the property. The fair value of the underlying commercial properties is updated at least annually.(2) DSC ratio calculated using most recent reported operating income results from property operators divided by annual debt service coverage.\nAs of December 31, 2024, the Company had mortgage loan commitments outstanding of approximately $6.4 million.  \nThe Company had short-term investments and fixed maturity securities of $636.1 million and $569.0 million as of December 31, 2024 and 2023, respectively,on deposit with various governmental authorities as required by law.\n8. Variable Interest Entities\nIn the normal course of business, the Company is involved with various types of investment entities that may be considered VIEs. The Company evaluates itsinvolvement with each entity to determine whether consolidation is required. The Company\u2019s maximum risk of loss is limited to the carrying value and unfundedcommitments of its investments in the VIEs. There were no consolidated VIEs as of December 31, 2024 and 2023.\nNon-Consolidated VIEs\nReal Estate Joint Venture and Other Partnerships\nThe Company invests in real estate joint ventures and limited partnerships, as well as closed ended real estate funds. These investments are generally accountedfor under the equity method as the primary beneficiary criteria is not met; however, the Company is able to exert significant influence over the investees operatingand financial policies. These investments are included in the consolidated balance sheets in other investments. As of December 31, 2024 and 2023, the Company\u2019smaximum exposure to loss is its recorded carrying value of $281.2 million and $249.1 million, respectively. The Company\u2019s unfunded commitments were $239.2million as of December 31, 2024.\nSee Note 2 for additional information on significant accounting policies related to VIEs.\nF-31", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2688, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "72ed5055-3666-43ef-a768-81a47de1dde8": {"__data__": {"id_": "72ed5055-3666-43ef-a768-81a47de1dde8", "embedding": null, "metadata": {"page_label": "108", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "15e900b3-a272-400b-a4ec-7ff56b4e0127", "node_type": "4", "metadata": {"page_label": "108", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e7531dbc7312fd3d5cca1c401e107e43e53b423a0aafeffccca9cab0b4120328", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "9. Fair Value Disclosures\nFair Values, Inputs and Valuation Techniques for Financial Assets and Liabilities Disclosures\n The fair value measurements and disclosures guidance defines fair value and establishes a framework for measuring fair value. Fair value is defined as theprice that would be received to sell an asset or paid to transfer a liability in an orderly transaction between market participants at the measurement date. TheCompany has categorized its recurring fair value basis financial assets and liabilities into a three-level fair value hierarchy based on the priority of the inputs to thevaluation technique.\nThe fair value hierarchy gives the highest priority to quoted prices in active markets for identical assets or liabilities (Level 1) and the lowest priority tounobservable inputs (Level 3). The inputs used to measure fair value may fall into different levels of the fair value hierarchy. In such cases, the level in the fair valuehierarchy within which the fair value measurement in its entirety falls has been determined based on the lowest level input that is significant to the fair valuemeasurement in its entirety. The Company\u2019s assessment of the significance of a particular input to the fair value measurement in its entirety requires judgment andtakes into account factors specific to the asset or liability.\nThe levels of the fair value hierarchy are described below:\n\u2022 Level 1 inputs utilize quoted prices (unadjusted) in active markets for identical assets or liabilities that the Company can access.\n\u2022 Level 2 inputs utilize other than quoted prices included in Level 1 that are observable for the asset or liability, either directly or indirectly, for substantiallythe full term of the asset or liability. Level 2 inputs include quoted prices for similar assets or liabilities in active markets, quoted prices for identical orsimilar assets or liabilities in markets that are not active and inputs other than quoted prices that are observable in the marketplace for the asset or liability.The observable inputs are used in valuation models to calculate the fair value for the asset or liability.\n\u2022 Level 3 inputs are unobservable but are significant to the fair value measurement for the asset or liability, and include situations where there is little, if any,market activity for the asset or liability. These inputs reflect management\u2019s own assumptions about the assumptions a market participant would use inpricing the asset or liability.\nThe Company reviews fair value hierarchy classifications on a quarterly basis. Changes in the observability of valuation inputs may result in a reclassificationof levels for certain securities within the fair value hierarchy.\nThe following tables present the Company\u2019s fair value hierarchy for assets and liabilities measured at fair value on a recurring basis as of December 31, 2024and 2023. The amounts presented below for short-term investments, other investments, cash equivalents, other assets, assets held in and liabilities related to separateaccounts and other liabilities differ from the amounts presented in the consolidated balance sheets because only certain investments or certain assets and liabilitieswithin these line items are measured at estimated fair value. Other investments are comprised of investments in the AIP, the ASIC plan, and the ADC and otherderivatives. Other liabilities are comprised of investments in the AIP and other derivatives. The fair value amount and the majority of the associated levels presentedfor other investments and assets and liabilities held in separate accounts are received directly from third parties.\nF-32", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3643, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "081341a0-872e-496b-b756-713a05a34903": {"__data__": {"id_": "081341a0-872e-496b-b756-713a05a34903", "embedding": null, "metadata": {"page_label": "109", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "512ceab2-3e92-4e8a-a3fc-7b20f9f5f77a", "node_type": "4", "metadata": {"page_label": "109", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ce1b3875e7dd87a722e710a10e72df1ef149e01fc5093ae0b44a5e48a954ab0d", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "December 31, 2024  \nFinancial Assets Total Level 1  Level 2  Level 3  \nFixed maturity securities:\nU.S. government and government agencies and authorities $ 51.2 $ \u2014 $ 51.2 $ \u2014 \nStates, municipalities and political subdivisions 119.1 \u2014 119.1 \u2014 \nForeign governments 462.1 \u2014 462.1 \u2014 \nAsset-backed 937.3 \u2014 823.7 113.6 \nCommercial mortgage-backed 336.4 \u2014 336.4 \u2014 \nResidential mortgage-backed 641.1 \u2014 641.1 \u2014 \nU.S. corporate 3,187.4 \u2014 3,139.9 47.5 \nForeign corporate 1,440.5 \u2014 1,432.5 8.0 \nEquity securities:\nMutual funds 28.8 13.6 \u2014 15.2 \nCommon stocks 3.5 3.5 \u2014 \u2014 \nNon-redeemable preferred stocks 176.2 \u2014 176.2 \u2014 \nShort-term investments 237.1 230.1 (2) 7.0 (3) \u2014 \nOther investments 66.1 66.0 (1) \u2014 0.1 \nCash equivalents 1,325.6 1,312.0 (2) 13.6 (3) \u2014 \nOther assets 6.3 \u2014 \u2014 6.3 (4)\nAssets held in separate accounts 11.3 8.7 (1) 2.6 (3) \u2014 \nTotal financial assets $ 9,030.0 $ 1,633.9 $ 7,205.4 $ 190.7 \nFinancial Liabilities  \nOther liabilities $ 66.0 $ 66.0 (1) $ \u2014 $ \u2014 \nLiabilities related to separate accounts 11.3 8.7 (1) 2.6 (3) \u2014 \nTotal financial liabilities $ 77.3 $ 74.7 $ 2.6 $ \u2014 \nF-33", "mimetype": "text/plain", "start_char_idx": 1, "end_char_idx": 1088, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "3708efca-1c55-48d3-a8e2-0fca8d4f2a2a": {"__data__": {"id_": "3708efca-1c55-48d3-a8e2-0fca8d4f2a2a", "embedding": null, "metadata": {"page_label": "110", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "4cb80c83-e06d-45a8-8460-eccadeda178c", "node_type": "4", "metadata": {"page_label": "110", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f710227db9603de69bb19081bb54af5a48c705b76383d1a45000b123badf3763", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "December 31, 2023  \nFinancial Assets Total Level 1  Level 2  Level 3  \nFixed maturity securities:\nU.S. government and government agencies and authorities $ 65.2 $ \u2014 $ 65.2 $ \u2014 \nStates, municipalities and political subdivisions 149.2 \u2014 149.2 \u2014 \nForeign governments 479.8 \u2014 479.8 \u2014 \nAsset-backed 873.8 \u2014 791.0 82.8 \nCommercial mortgage-backed 330.2 \u2014 330.2 \u2014 \nResidential mortgage-backed 486.0 \u2014 486.0 \u2014 \nU.S. corporate 3,130.4 \u2014 3,094.8 35.6 \nForeign corporate 1,397.5 \u2014 1,390.4 7.1 \nEquity securities:\nMutual funds 16.6 16.6 \u2014 \u2014 \nCommon stocks 17.9 17.2 0.7 \u2014 \nNon-redeemable preferred stocks 188.5 \u2014 188.5 \u2014 \nShort-term investments 210.1 121.6 (2) 88.5 (3) \u2014 \nOther investments 62.5 62.4 (1) \u2014 0.1 \nCash equivalents 1,051.3 1,040.4 (2) 10.9 (3) \u2014 \nOther assets 15.8 \u2014 \u2014 15.8 (4)\nAssets held in separate accounts 10.5 6.7 (1) 3.8 (3) \u2014 \nTotal financial assets $ 8,485.3 $ 1,264.9 $ 7,079.0 $ 141.4 \nFinancial Liabilities  \nOther liabilities $ 64.2 $ 62.4 (1) $ 1.8 (4) $ \u2014 \nLiabilities related to separate accounts 10.5 6.7 (1) 3.8 (3) \u2014 \nTotal financial liabilities $ 74.7 $ 69.1 $ 5.6 $ \u2014 \n(1) Primarily includes mutual funds and related obligations.(2) Primarily includes money market funds.(3) Primarily includes fixed maturity securities and related obligations.(4) Primarily includes derivatives.\nThe following tables summarize the change in balance sheet carrying value associated with Level 3 financial assets and liabilities carried at fair value for theyears ended December 31, 2024 and 2023:\n Year Ended December 31, 2024\n \nBalance,beginningof period\nTotalgains (losses)(realized/unrealized)included inearnings (1)\nNetunrealizedgains (losses)included inothercomprehensiveincome (2) Purchases Sales Transfersin (3) Transfersout (3)\nBalance,end ofperiod\nFinancial Assets\nFixed Maturity Securities\nAsset-backed $ 82.8 $ 0.5 $ 2.9 $ 25.7 $ (3.4) $ 8.0 $ (2.9) $ 113.6 \nU.S. corporate 35.6 (0.1) 0.1 34.6 (10.2) 2.9 (15.4) 47.5 \nForeign corporate 7.1 \u2014 0.1 3.0 (2.2) \u2014 \u2014 8.0 \nEquity Securities\nMutual funds \u2014 0.2 \u2014 15.0 \u2014 \u2014 \u2014 15.2 \nOther investments 0.1 \u2014 \u2014 \u2014 \u2014 \u2014 \u2014 0.1 \nOther assets 15.8 \u2014 (9.5) \u2014 \u2014 \u2014 \u2014 6.3 \nTotal level 3 assets and liabilities $ 141.4 $ 0.6 $ (6.4) $ 78.3 $ (15.8) $ 10.9 $ (18.3) $ 190.7 \nF-34", "mimetype": "text/plain", "start_char_idx": 1, "end_char_idx": 2221, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "7d3095a6-851f-4d68-8870-68ec28b13830": {"__data__": {"id_": "7d3095a6-851f-4d68-8870-68ec28b13830", "embedding": null, "metadata": {"page_label": "111", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "8f010e81-af09-41d7-b832-794e327cb70c", "node_type": "4", "metadata": {"page_label": "111", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f0b8bfe254f1d840c2ea93bea1eb19bdac1376ddb835e795c1febd13f0db0991", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "e0852ccd-5348-43a2-adfe-6b67a6392830", "node_type": "1", "metadata": {}, "hash": "2c100ee73bdc8d3f7945414c9834be80ff033f7eccec7852a230596b48522c18", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Year Ended December 31, 2023\n \nBalance,beginningof period\nTotalgains (losses)(realized/unrealized)included inearnings (1)\nNetunrealizedgains (losses)included inothercomprehensiveincome (2) Purchases Sales Transfersin (3) Transfersout (3)\nBalance,end ofperiod\nFinancial Assets\nFixed Maturity Securities\nAsset-backed $ 60.4 $ 1.5 $ (2.3) $ 38.6 $ (16.8) $ 1.7 $ (0.3) $ 82.8 \nU.S. corporate 28.8 0.4 0.4 10.9 (1.7) 2.7 (5.9) 35.6 \nForeign corporate 7.4 \u2014 0.1 2.0 (0.9) 0.5 (2.0) 7.1 \nOther investments 0.2 (0.1) \u2014 \u2014 \u2014 \u2014 \u2014 0.1 \nOther assets \u2014 \u2014 1.2 14.6 \u2014 \u2014 \u2014 15.8 \nFinancial Liabilities\nOther liabilities (15.0) \u2014 \u2014 \u2014 \u2014 \u2014 15.0 \u2014 \nTotal level 3 assets and liabilities $ 81.8 $ 1.8 $ (0.6) $ 66.1 $ (19.4) $ 4.9 $ 6.8 $ 141.4 \n(1) Included as part of net realized gains on investments, excluding other-than-temporary impairment losses, in the consolidated statements of operations.(2) Included as part of change in unrealized gains on securities in the consolidated statement of comprehensive income.(3) Transfers are primarily attributable to changes in the availability of observable market information and the re-evaluation of the observability of valuation inputs.\nThree different valuation techniques can be used in determining fair value for financial assets and liabilities: the market, income or cost approaches. The threevaluation techniques described in the fair value measurements and disclosures guidance are consistent with generally accepted valuation methodologies.\nThe market approach valuation techniques use prices and other relevant information generated by market transactions involving identical or comparable assetsor liabilities. When possible, quoted prices (unadjusted) in active markets are used as of the period-end date (such as for mutual funds and money market funds).Otherwise, the Company uses valuation techniques consistent with the market approach including matrix pricing and comparables. Matrix pricing is a mathematicaltechnique employed principally to value debt securities without relying exclusively on quoted prices for those securities but, rather, relying on the securities\u2019relationship to other benchmark quoted securities. Market approach valuation techniques often use market multiples derived from a set of comparables. Multiplesmight lie in ranges with a different multiple for each comparable. The selection of where within the range the appropriate multiple falls requires judgment,considering both qualitative and quantitative factors specific to the measurement.\nIncome approach valuation techniques convert future amounts, such as cash flows or earnings, to a single present amount, or a discounted amount. Thesetechniques rely on current market expectations of future amounts as of the period-end date. Examples of income approach valuation techniques include present valuetechniques, option-pricing models, binomial or lattice models that incorporate present value techniques and the multi-period excess earnings method.\nCost approach valuation techniques are based upon the amount that would be required to replace the service capacity of an asset at the period-end date, or thecurrent replacement cost. That is, from the perspective of a market participant (seller), the price that would be received for the asset is determined based on the costto a market participant (buyer) to acquire or construct a substitute asset of comparable utility, adjusted for obsolescence.\nWhile not all three approaches are applicable to all financial assets or liabilities, where appropriate, the Company may use one or more valuation techniques.For all the classes of financial assets and liabilities included in the above hierarchy, excluding certain derivatives and certain privately placed corporate bonds, theCompany generally uses the market valuation technique.\nLevel 1 Securities\nThe Company\u2019s investments and liabilities classified as Level 1 as of December 31, 2024 and 2023 consisted of mutual funds and related obligations, moneymarket funds and common stocks that are publicly listed and/or actively traded in an established market.\nLevel 2 Securities\nThe Company values Level 2 securities using various observable market inputs obtained from a pricing service or asset manager. They prepare estimates of fairvalue measurements for the Company\u2019s Level 2 securities using proprietary valuation models based on techniques such as matrix pricing which include observablemarket inputs.", "mimetype": "text/plain", "start_char_idx": 1, "end_char_idx": 4431, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "e0852ccd-5348-43a2-adfe-6b67a6392830": {"__data__": {"id_": "e0852ccd-5348-43a2-adfe-6b67a6392830", "embedding": null, "metadata": {"page_label": "111", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "8f010e81-af09-41d7-b832-794e327cb70c", "node_type": "4", "metadata": {"page_label": "111", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f0b8bfe254f1d840c2ea93bea1eb19bdac1376ddb835e795c1febd13f0db0991", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "7d3095a6-851f-4d68-8870-68ec28b13830", "node_type": "1", "metadata": {"page_label": "111", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "a6314a2ec4466e6e8b32126bb73000e0ac816b7857de1af6cc676c7a68186b28", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The fair value measurements and disclosures guidance defines observable market inputs as the assumptions market participants would use in pricingthe asset or liability developed on market data obtained from sources independent of the Company. The extent of the use of each observable\nF-35", "mimetype": "text/plain", "start_char_idx": 4432, "end_char_idx": 4720, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "d766527a-17c0-4130-971d-9acffb4cd96b": {"__data__": {"id_": "d766527a-17c0-4130-971d-9acffb4cd96b", "embedding": null, "metadata": {"page_label": "112", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "72856e8c-a6ae-4a3b-ad2d-87d9b555ad11", "node_type": "4", "metadata": {"page_label": "112", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "c9fbb698c894caa2b68495b8a8aa2210a77bc5404fd337bda2e2e09b2ad5e81b", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "market input for a security depends on the type of security and the market conditions at the balance sheet date. Depending on the security, the priority of the use ofobservable market inputs may change as some observable market inputs may not be relevant or additional inputs may be necessary. The Company uses the followingobservable market inputs (\u201cstandard inputs\u201d), listed in the approximate order of priority, in the pricing evaluation of Level 2 securities: benchmark yields, reportedtrades, broker/dealer quotes, issuer spreads, two-sided markets, benchmark securities, bids, offers and reference data including market research data. Further detailsfor Level 2 investment types follow:\nU.S. government and government agencies and authorities: U.S. government and government agencies and authorities securities are priced by the Company\u2019spricing service utilizing standard inputs. Included in this category are U.S. Treasury securities which are priced using vendor trading platform data in addition to thestandard inputs.\nStates, municipalities and political subdivisions: States, municipalities and political subdivisions securities are priced by the Company\u2019s pricing service usingmaterial event notices and new issue data inputs in addition to the standard inputs.\nForeign governments: Foreign government securities are primarily fixed maturity securities denominated in local currencies which are priced by theCompany\u2019s pricing service using standard inputs. The pricing service also evaluates each security based on relevant market information including relevant creditinformation, perceived market movements and sector news.\nCommercial mortgage-backed, residential mortgage-backed and asset-backed: Commercial mortgage-backed, residential mortgage-backed and asset-backedsecurities are priced by the Company\u2019s pricing service and asset managers using monthly payment information and collateral performance information in addition tothe standard inputs. Additionally, commercial mortgage-backed securities and asset-backed securities utilize new issue data while residential mortgage-backedsecurities utilize vendor trading platform data.\nU.S. and foreign corporate: Corporate securities are priced by the Company\u2019s pricing service using standard inputs. Non-investment grade securities withinthis category are priced by the Company\u2019s pricing service and asset managers using observations of equity and credit default swap curves related to the issuer inaddition to the standard inputs. Certain privately placed corporate bonds are priced by a non-pricing service source using a model with observable inputs includingthe credit rating, credit spreads, sector add-ons, and issuer specific add-ons. \nNon-redeemable preferred stocks: Non-redeemable preferred stocks are priced by the Company\u2019s pricing service using observations of equity and creditdefault swap curves related to the issuer in addition to the standard inputs.\nShort-term investments, cash equivalents, assets held in separate accounts and liabilities related to separate accounts: To price the fixed maturity securitiesand related obligations in these categories, the pricing service utilizes the standard inputs.\nOther liabilities: Foreign exchange forwards are priced using a pricing model which utilizes market observable inputs including foreign exchange spot rate,forward points and date to settlement.\nValuation models used by the pricing service can change from period to period, depending on the appropriate observable inputs that are available at the balancesheet date to price a security.\nLevel 3 Securities\nThe Company\u2019s investments classified as Level 3 as of December 31, 2024 and 2023 consisted of $184.3 million and $125.5 million of fixed maturity and equitysecurities. As of December 31, 2024, the Level 3 fixed maturity and equities securities are priced using non-binding third-party quotes, for which the underlyingquantitative inputs are not developed by the Company and are not readily available or observable. As of December 31, 2023, the Level 3 fixed maturity securitieswere priced using non-binding third-party quotes.\nOther investments: The Company prices swaptions using a Black-Scholes pricing model incorporating third-party market data, including swap volatility data.\nOther assets: The Company prices options using non-binding quotes provided by market makers or broker dealers who are recognized as market participants.Inputs factored into the non-binding quotes include trades in the actual option which is being priced, deal structure, spot rates, volatility, and projected cashflows.\nF-36", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4600, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "84de65cf-19b9-4aeb-8113-de4dcc1f5f51": {"__data__": {"id_": "84de65cf-19b9-4aeb-8113-de4dcc1f5f51", "embedding": null, "metadata": {"page_label": "113", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "67289336-0d01-4b6c-8f22-cc80e3cfbc24", "node_type": "4", "metadata": {"page_label": "113", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d0d11b00ca612a2226f89d9f456438a592910d18c88d0e47f1bb97dbd50b7c68", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Management evaluates the following factors in order to determine whether the market for a financial asset is inactive. The factors include:\n\u2022 whether there are few recent transactions,\n\u2022 whether little information is released publicly,\n\u2022 whether the available prices vary significantly over time or among market participants,\n\u2022 whether the prices are stale (i.e., not current), and\n\u2022 the magnitude of the bid-ask spread.\nIlliquidity did not have a material impact in the fair value determination of the Company\u2019s financial assets as of December 31, 2024 or 2023.\nThe Company generally obtains one price for each financial asset. The Company performs a periodic analysis to assess if the evaluated prices represent areasonable estimate of the financial assets\u2019 fair values. This process involves quantitative and qualitative analysis and is overseen by investment and accountingprofessionals. Examples of procedures performed include initial and on-going review of pricing service methodologies, review of the prices received from thepricing service, review of pricing statistics and trends, and comparison of prices for certain securities with two different appropriate price sources for reasonableness.Following this analysis, the Company generally uses the best estimate of fair value based upon all available inputs. On infrequent occasions, a non-pricing servicesource may be more familiar with the market activity for a particular security than the pricing service. In these cases the price used is taken from the non-pricingservice source. The pricing service provides information to indicate which securities were priced using market observable inputs so that the Company can properlycategorize the Company\u2019s financial assets in the fair value hierarchy.\nDisclosures for Assets and Liabilities Measured at Fair Value on a Non-Recurring Basis\nThe Company also measures the fair value of certain assets and liabilities, generally on an annual basis, or when events or changes in circumstances indicatethat the carrying amount of the assets may be affected. These assets include commercial mortgage loans, equity investments accounted for under the measurementalternative, goodwill and finite-lived intangible assets.\nIn 2024 and 2023, as a result of third-party market observable transactions that were of the same issuer and determined to be similar, the Company markedcertain of its equity investments accounted for under the measurement alternative to fair value. The carrying value of investments under the measurement alternativemarked to fair value on a non-recurring basis as of December 31, 2024 and 2023 was $26.6 million and $3.3 million, respectively. Given the significantunobservable inputs involved in valuation of these investments, they are classified in Level 3 of the fair value hierarchy. Generally, these valuations utilize themarket approach, or an option pricing model backsolve method, which is a valuation approach that can be used to determine the value of common shares forcompanies with complex capital structures in which there have not been any recent transactions involving common shares. Inputs include capitalization tables,investment past and future performance projections, time to exit, discount rate and volatility based upon an appropriate industry group. For the year ended December31, 2024, the Company recorded fair value increases of $8.7 million related to five market observable transaction. For the year ended December 31, 2023, theCompany recorded fair value increases of $0.6 million related to one market observable transactions and a note conversion of two investments.\nIn 2024 and 2023, as a result of a qualitative analysis indicating an impairment existed, the Company performed a quantitative analysis utilizing a probabilityweighted scenario model and determined certain investments were impaired. Model inputs include capitalization tables, investment past and future companyperformance projections, and discount rate. Based upon model outputs, impairments of $23.8 million and $12.9 million were recorded for the years ended December31, 2024 and 2023, respectively.\nRefer to Note 14 for the results of the 2024 goodwill impairment testing.\nFair Value of Financial Instruments Disclosures\nThe financial instruments guidance requires disclosure of fair value information about financial instruments, for which it is practicable to estimate such fairvalue. Therefore, it requires fair value disclosure for financial instruments that are not recognized or are not carried at fair value in the consolidated balance sheets.However, this guidance excludes certain financial instruments, including those related to insurance contracts and those accounted for under the equity method (suchas partnerships).\nFor the financial instruments included within the following financial assets and financial liabilities, the carrying value in the consolidated balance sheets equalsor approximates fair value. Please refer to the Fair Values Inputs and Valuation Techniques for Financial Assets and Liabilities Disclosures section above foradditional information on the financial\nF-37", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5124, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "5eb925bb-f6bf-4cf1-9771-38c4fb75941d": {"__data__": {"id_": "5eb925bb-f6bf-4cf1-9771-38c4fb75941d", "embedding": null, "metadata": {"page_label": "114", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "702174d5-9f72-4f75-b73b-7dc83735a108", "node_type": "4", "metadata": {"page_label": "114", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ca811762edce0627007fe18e24933ef546193368e3025a2ef6fa06634623dfe7", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "instruments included within the following financial assets and financial liabilities and the methods and assumptions used to estimate fair value:\n\u2022 Cash and cash equivalents;\n\u2022 Fixed maturity securities;\n\u2022 Equity securities;\n\u2022 Short-term investments;\n\u2022 Other investments;\n\u2022 Other assets;\n\u2022 Assets held in separate accounts;\n\u2022 Other liabilities; and\n\u2022 Liabilities related to separate accounts.\nIn estimating the fair value of the financial instruments that are not recognized or are not carried at fair value in the consolidated balance sheets, the Companyused the following methods and assumptions:\nCommercial mortgage loans on real estate: The fair value of commercial mortgage loans on real estate utilizes a third-party matrix pricing model. For fixedrate loans, the matrix process uses a yield buildup approach to create a pricing yield, with components for base yield, credit quality spread, property type spread, anda weighted average life spread. Floating rate loans are priced with a target quality spread over the swap curve. A dollar price for each loan is derived from the pricingyield or spread by a discounted cash flow methodology.\nOther investments: Other investments include low income housing tax credits, business debentures, and credit tenant loans which are recorded at cost oramortized cost, as well as policy loans. The carrying value reported for these investments approximates fair value.\nOther assets: The carrying value of dealer loans approximates fair value.\nPolicy reserves under investment products: The fair values for the Company\u2019s policy reserves under investment products are determined using discounted cashflow analysis. Key inputs to the valuation include projections of policy cash flows, reserve runoff, market yields and risk margins.\nFunds held under reinsurance: The carrying value reported approximates fair value due to the short maturity of the instruments.\nDebt: The fair value of debt is based upon matrix pricing performed by the pricing service utilizing the standard inputs.\nThe following tables disclose the carrying value, fair value and hierarchy level of the financial instruments that are not recognized or are not carried at fairvalue in the consolidated balance sheets as of the dates indicated:\n December 31, 2024\n  Fair Value\n  Carrying Value Total Level 1 Level 2 Level 3\nFinancial Assets\nCommercial mortgage loans on real estate $ 342.5 $ 333.3 $ \u2014 $ \u2014 $ 333.3 \nOther investments 23.2 23.2 1.3 \u2014 21.9 \nOther assets 26.3 26.3 \u2014 \u2014 26.3 \nTotal financial assets $ 392.0 $ 382.8 $ 1.3 $ \u2014 $ 381.5 \nFinancial Liabilities\nPolicy reserves under investment products (Individual and group annuities,subject to discretionary withdrawal) (1) $ 6.5 $ 6.9 $ \u2014 $ \u2014 $ 6.9 \nFunds held under reinsurance 277.7 277.7 277.7 \u2014 \u2014 \nDebt 2,083.1 1,998.1 \u2014 1,998.1 \u2014 \nTotal financial liabilities $ 2,367.3 $ 2,282.7 $ 277.7 $ 1,998.1 $ 6.9 \nF-38", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2881, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "e00a28ac-c396-47e7-ac40-98c839256459": {"__data__": {"id_": "e00a28ac-c396-47e7-ac40-98c839256459", "embedding": null, "metadata": {"page_label": "115", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "c2ceae6e-89e7-42f1-98d3-7e028bd2d8e5", "node_type": "4", "metadata": {"page_label": "115", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "883307ba34bf23a7c3e7534c39baac111d2ac637cff01e1ad777ad50e98afab0", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "December 31, 2023\n  Fair Value\n  Carrying Value Total Level 1 Level 2 Level 3\nFinancial Assets\nCommercial mortgage loans on real estate $ 328.7 $ 313.7 $ \u2014 $ \u2014 $ 313.7 \nOther investments 3.7 3.7 1.4 \u2014 2.3 \nOther assets 26.5 26.5 \u2014 \u2014 26.5 \nTotal financial assets $ 358.9 $ 343.9 $ 1.4 $ \u2014 $ 342.5 \nFinancial Liabilities\nPolicy reserves under investment products (Individual and group annuities,subject to discretionary withdrawal) (1) $ 7.3 $ 7.8 $ \u2014 $ \u2014 $ 7.8 \nFunds held under reinsurance 392.7 392.7 392.7 \u2014 \u2014 \nDebt 2,080.6 1,972.4 \u2014 1,972.4 \u2014 \nTotal financial liabilities $ 2,480.6 $ 2,372.9 $ 392.7 $ 1,972.4 $ 7.8 \n(1) Only the fair value of the Company\u2019s policy reserves for investment-type contracts (those without significant mortality or morbidity risk) are reflected in the tables above.\n10. Premiums and Accounts Receivable\nReceivables are reported net of an allowance for uncollectible amounts. A summary of such receivables is as follows as of the dates indicated:\n December 31,\n 2024 2023\nInsurance premiums receivable $ 1,974.4 $ 2,195.8 \nOther receivables 86.8 78.8 \nAllowance for credit losses (7.2) (9.0)\nTotal $ 2,054.0 $ 2,265.6 \n11. Income Taxes\nThe components of income tax expense (benefit) were as follows for the periods indicated:\n Years Ended December 31,\n 2024 2023 2022\nPre-tax income:\nDomestic $ 819.2 $ 700.9 $ 250.4 \nForeign 108.1 105.9 99.5 \nTotal pre-tax income $ 927.3 $ 806.8 $ 349.9 \nF-39", "mimetype": "text/plain", "start_char_idx": 1, "end_char_idx": 1426, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "d494b5bb-0681-41fb-8db0-0b4680067158": {"__data__": {"id_": "d494b5bb-0681-41fb-8db0-0b4680067158", "embedding": null, "metadata": {"page_label": "116", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "04738661-6694-4cf0-bfd5-49e0f38cffcc", "node_type": "4", "metadata": {"page_label": "116", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "9f0dc79ca45e8976e7c21ea149077c66f8226d3343b5898760fd30667a7ae217", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Years Ended December 31,\n 2024 2023 2022\nCurrent expense (benefit):\nFederal and state $ (124.3) $ 220.9 $ (23.5)\nForeign 46.5 51.9 33.0 \nTotal current expense (benefit) (77.8) 272.8 9.5 \nDeferred expense (benefit):\nFederal and state 262.3 (80.4) 65.7 \nForeign (17.4) (28.1) (1.9)\nTotal deferred expense (benefit) 244.9 (108.5) 63.8 \nTotal income tax expense (benefit) $ 167.1 $ 164.3 $ 73.3 \nThe provision for foreign taxes includes amounts attributable to income from U.S. possessions that are considered foreign under U.S. tax laws. Internationaloperations of the Company are subject to income taxes imposed by the jurisdiction in which they operate. \nA reconciliation of the federal income tax rate to the Company\u2019s effective income tax rate follows for the periods indicated:\n Years Ended December 31,\n 2024 2023 2022\nFederal income tax rate: 21.0 % 21.0 % 21.0 %\nReconciling items:\nNon-taxable investment income (0.1) (0.2) (0.4)\nForeign earnings (1) 0.1 0.2 2.2 \nNon-deductible compensation 0.6 0.6 0.8 \nChange in liability for prior year tax (2) (1.2) (0.8) (2.8)\nChange in valuation allowance (0.6) (0.6) (0.4)\nTransferable federal tax credits (3) (1.3) \u2014 \u2014 \nOther (0.5) 0.2 0.5 \nEffective income tax rate: 18.0 % 20.4 % 20.9 %\n(1) Results for 2024, 2023, and 2022 primarily include the impact of foreign earnings taxed at different rates.(2) The change in liability for prior year tax in 2022 was primarily related to a foreign derived intangible income benefit of $9.2 million taken on an amended 2019 income tax return. The change inliability for prior year tax in 2024 was primarily related to additional transferable federal tax credits taken on the 2023 income tax return.(3) Pursuant to provisions under the Inflation Reduction Act, the Company purchased transferable federal tax credits during 2024 from various counterparties. Such federal tax credits were purchased atnegotiated discounts, resulting in an income tax benefit recorded during the year ended December 31, 2024. Amounts owed to counterparties for the purchased credits are recorded within accountspayable and accrued expenses within the consolidated balance sheet at December 31, 2024.\nA reconciliation of the beginning and ending amount of unrecognized tax benefits for the years ended December 31, 2024, 2023 and 2022 is as follows: \n Years Ended December 31,\n 2024 2023 2022\nBalance at beginning of year $ (17.0) $ (18.5) $ (18.5)\nAdditions based on tax positions related to the current year (0.9) (0.9) (0.6)\nReductions based on tax positions related to the current year \u2014 \u2014 \u2014 \nAdditions for tax positions of prior years (2.1) (0.5) (0.2)\nReductions for tax positions of prior years 2.7 2.9 0.8 \nLapses \u2014 \u2014 \u2014 \nBalance at end of year $ (17.3) $ (17.0) $ (18.5)\nF-40", "mimetype": "text/plain", "start_char_idx": 1, "end_char_idx": 2750, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "0fb925ba-9cf2-4b18-baae-4bcb7940c67e": {"__data__": {"id_": "0fb925ba-9cf2-4b18-baae-4bcb7940c67e", "embedding": null, "metadata": {"page_label": "117", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3aacfcd2-4abe-4fd6-9df9-7290df6efc55", "node_type": "4", "metadata": {"page_label": "117", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "9022b0fd83d20bc95c304544652a3aba0d21d1627aa8d604c0df4bedde9c599a", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Total unrecognized tax benefits of $20.4 million, $19.2 million and $20.4 million for the years ended December 31, 2024, 2023, and 2022, respectively, whichincludes interest and penalties, would impact the Company\u2019s consolidated effective tax rate if recognized. The liability for unrecognized tax benefits is included inaccounts payable and other liabilities on the consolidated balance sheets. \nThe Company\u2019s continuing practice is to recognize interest expense related to income tax matters in income tax expense. During the years ended December 31,2024, 2023, and 2022, the Company recognized approximately $1.2 million, $0.4 million and $0.7 million, respectively, of interest expense related to income taxmatters. The Company had $4.0 million, $2.8 million and $2.4 million of interest accrued as of December 31, 2024, 2023 and 2022, respectively. The Company had$1.2 million penalties accrued as of December 31, 2024 and no penalties accrued as of December 31, 2023 and 2022.\nThe Company does not anticipate any significant increase or decrease of unrecognized tax benefit within the next 12 months. \nThe Company and its subsidiaries file income tax returns in the U.S. and various state and foreign jurisdictions. The Company has substantially concluded allU.S. federal income tax matters for years through 2015. Substantially all non-U.S. income tax matters have been concluded for years through 2012, and all state andlocal income tax matters have been concluded for years through 2008.\nThe tax effects of temporary differences that result in significant deferred tax assets and deferred tax liabilities are as follows as of the dates indicated: \n December 31,\n 2024 2023\nDeferred Tax Assets\nPolicyholder and separate account reserves $ 506.4 $ 538.3 \nNet operating loss carryforwards 37.1 43.4 \nNet unrealized appreciation on securities 79.8 87.7 \nCredit carryforwards 30.6 9.9 \nEmployee and post-retirement benefits 9.1 8.6 \nCompensation related 44.2 43.9 \nCapital loss carryforwards 19.1 12.1 \nInvestments, net 11.5 \u2014 \nOther 84.3 65.3 \nTotal deferred tax assets 822.1 809.2 \nLess valuation allowance (16.7) (16.1)\nDeferred tax assets, net of valuation allowance 805.4 793.1 \nDeferred Tax Liabilities\nDeferred acquisition costs (1,077.7) (1,161.0)\nInvestments, net \u2014 (0.6)\nIntangible assets (94.3) (101.5)\nTotal deferred tax liabilities (1,172.0) (1,263.1)\nNet deferred income tax liabilities $ (366.6) $ (470.0)\nA cumulative valuation allowance of $16.7 million existed as of December 31, 2024 and $16.1 million as of December 31, 2023 based on management\u2019sassessment that it is more likely than not that certain deferred tax assets attributable to international subsidiaries will not be realized. \nThe Company\u2019s ability to realize deferred tax assets depends on its ability to generate sufficient taxable income of the same character within the carryback orcarryforward periods. In assessing future taxable income, the Company considered all sources of taxable income available to realize its deferred tax asset, includingthe future reversal of existing temporary differences, future taxable income exclusive of reversing temporary differences and carryforwards, taxable income incarryback years and tax-planning strategies. If changes occur in the assumptions underlying the Company\u2019s tax planning strategies or in the scheduling of thereversal of the Company\u2019s deferred tax liabilities, the valuation allowance may need to be adjusted in the future. \nF-41", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3471, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "662488d4-2ec9-4138-b4b6-0cfc38f6a108": {"__data__": {"id_": "662488d4-2ec9-4138-b4b6-0cfc38f6a108", "embedding": null, "metadata": {"page_label": "118", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "de881b45-b1c2-463b-bad9-6b637a186b87", "node_type": "4", "metadata": {"page_label": "118", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "03f920b055e6a7cd8af3f1038e220a6b1e65abf7fd149976e0fe7e6eb37ebc4e", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Other than for certain wholly owned Canadian and Latin American subsidiaries, the Company plans to indefinitely reinvest the earnings in other jurisdictions.\nUnder current U.S. tax law, no material income taxes are anticipated on future repatriation of earnings. Therefore, deferred taxes have not been provided.\nThe net operating loss carryforwards by jurisdiction are as follows as of the dates indicated:\nDecember 31,\n2024 2023\nFederal net operating loss carryforwards $ \u2014 $ \u2014 \nForeign net operating loss carryforwards (1) $ 146.6 $ 164.9 \n(1) Of the $146.6 million as of December 31, 2024, $19.8 million expires between 2025 and 2044, and $126.8 million has an unlimited carryforward.\n12. Deferred Acquisition Costs \nInformation about deferred acquisition costs is as follows as of the dates indicated:\n December 31,\n 2024 2023 2022\nBeginning balance $ 9,967.2 $ 9,677.1 $ 8,811.0 \nCosts deferred 3,991.2 4,409.8 4,528.7 \nAmortization (3,965.6) (4,119.7) (3,662.6)\nEnding balance $ 9,992.8 $ 9,967.2 $ 9,677.1 \n13. Property and Equipment\nProperty and equipment consisted of the following as of the dates indicated:\n December 31,\n 2024 2023\nLand $ 6.2 $ 6.5 \nBuildings and improvements 166.3 141.6 \nFurniture, fixtures and equipment 117.6 91.6 \nSoftware 979.0 838.7 \nTotal 1,269.1 1,078.4 \nLess accumulated depreciation (500.8) (392.6)\nTotal $ 768.3 $ 685.8 \nDepreciation expense for the years ended December 31, 2024, 2023 and 2022 amounted to $139.4 million, $109.3 million and $86.3 million, respectively.Depreciation expense is included in underwriting, selling, general and administrative expenses in the consolidated statements of operations.\nThe assets of the Miami, Florida office met held-for-sale criteria in second quarter 2023 and were reclassified from property and equipment, net, to other assetsin the consolidated balance sheet as of December 31, 2023. The Company has ceased depreciation of these assets which are recorded at carrying value of$46.0 million as of December 31, 2024 and 2023, which is less than the estimated fair value less estimated costs to sell. During first quarter 2025, the Companyentered into an agreement to sell the Miami, Florida property to a buyer for a purchase price of $126.0 million. If the transaction is consummated pursuant to theterms of the agreement, the Company expects to record a gain above the carrying value, less estimated costs to sell. There can be no assurance that the transactionwill be consummated.\n14. Goodwill \nThe Company has assigned goodwill to its reporting units for impairment testing purposes. The Company has three reporting units consisting of two reportingunits within the Global Lifestyle operating segment, Connected Living and Global Automotive, and Global Housing (whereby the reporting unit for impairmenttesting was at the operating segment level). In 2023, the Company reassessed its reporting units and determined that the Global Financial Services component shouldbe aggregated with other business components within the Connected Living reporting unit because the business is managed by the\nF-42", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3086, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "a31b0035-0a11-4b60-87bc-a48dccd903ee": {"__data__": {"id_": "a31b0035-0a11-4b60-87bc-a48dccd903ee", "embedding": null, "metadata": {"page_label": "119", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "7d4151b7-8e3c-483c-a800-78de2111cbf8", "node_type": "4", "metadata": {"page_label": "119", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "96092e35485dfab2097812805cf857655cdd0b000b35803f78384b029b5d6b00", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "same business leader and have similar economic characteristics as required by the aggregation criteria. The new combined Connected Living reporting unit meets theaccounting definition of a single reporting unit.\nQualitative Impairment Testing\nFor the annual October 1, 2024 goodwill impairment test, the Company performed a qualitative assessment for all reporting units with goodwill (ConnectedLiving, Global Automotive and Global Housing) due to high margins between fair value and book value based on quantitative impairment testing in 2023. Inconducting a qualitative assessment, the Company analyzed changes in the book value and the financial performance of each reporting unit, including analyzing thehistorical performance versus plan and the results of quantitative impairment testing performed in 2023. Additionally, the Company assessed critical areas that mayimpact the reporting units, including macroeconomic and industry trends and market information for the reporting units and their peer companies that could impactthe reporting units\u2019 fair value. Based on this assessment, the Company determined that it was more likely than not that the reporting units\u2019 fair values were more thantheir respective book values and therefore quantitative impairment testing was not necessary for Connected Living, Global Automotive and Global Housing.\nQuantitative Impairment Testing\nFor the annual October 1, 2023 goodwill impairment test, the Company performed quantitative tests for all reporting units with goodwill (Connected Living,Global Automotive and Global Housing).\nThe following describes the various valuation methodologies used in the quantitative test which were weighted using our judgment as to which were the mostrepresentative in determining the estimated fair value of the reporting units.\nA Dividend Discount Method (\u201cDDM\u201d) was used to value each of the reporting units based upon the present value of expected cash flows available fordistribution over future periods. Cash flows were estimated for a discrete projection period based on detailed assumptions, and a terminal value was calculated toreflect the value attributable to cash flows beyond the discrete period. Cash flows and the terminal value were then discounted using each reporting unit\u2019s estimatedcost of capital. The estimated fair value of each reporting unit represented the sum of the discounted cash flows and terminal value.\nA Guideline Company Method, in which we identified a group of peer companies that have similar operations to the reporting unit, was used; however, directpeer comparisons for the reporting units were limited given the diversity of the products and services within the businesses. This method was used to value eachreporting unit based upon its relative performance to peer companies, based on several measures, including price to trailing 12-month earnings, price to projectedearnings, price to tangible net worth and return on equity.\nWhile DDM and Guideline Company valuation methodologies were considered in assessing fair value, the DDM was weighted more heavily sincemanagement believes that expected cash flows are the most important factor in the valuation of a business enterprise, and also considering the lack of directly-comparable peer companies. Based on the quantitative assessment performed as of October 1, 2023, the Company concluded that the estimated fair values of theConnected Living, Global Automotive and Global Housing reporting units exceeded their respective book values and therefore determined that the assigned goodwillwas not impaired.\nSharing Economy and Small Commercial Businesses Impairment\nIn second quarter of 2022, $7.8 million of goodwill, previously included in Global Housing, was allocated to the sharing economy and small commercialbusinesses which are included within non-core operations in Corporate and Other. During the fourth quarter of 2022, the Company identified impairment indicatorsimpacting the fair value of the sharing economy and small commercial businesses, including a decline in long-term economic performance. The fair value of thesharing economy and small commercial businesses was determined using a discounted cash flow method which calculated the present value of the run-off results andconsidered all aspects of the business including investment assumptions. The fair value calculated in the fourth quarter of 2022 was lower than the carrying value ofthe run-off businesses, resulting in the pre-tax and after-tax impairment charge of the entire goodwill of $7.8 million. The goodwill impairment charge was reportedseparately in the consolidated statements of operations for the year ended December 31, 2022, with a corresponding reduction to goodwill in the consolidatedbalance sheet as of December 31, 2022.\nF-43", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4796, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "b876ee94-061c-483f-9471-5ac3c9298227": {"__data__": {"id_": "b876ee94-061c-483f-9471-5ac3c9298227", "embedding": null, "metadata": {"page_label": "120", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "da9fde62-ea11-4405-a6fc-f4b7c3e4858b", "node_type": "4", "metadata": {"page_label": "120", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "969e400d69792ba1545df06734eeb3e4d658a12701206d26cb0237acb7fd3f78", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "A roll forward of goodwill by reportable segment is provided below as of and for the years indicated:\nGlobal Lifestyle (1) Global Housing Corporate and Other Consolidated\nBalance at December 31, 2022 (2) $ 2,193.9 $ 409.1 $ \u2014 $ 2,603.0 \nTransfers (3) 92.4 (92.4) \u2014 \u2014 \nForeign currency translation and other 5.8 \u2014 \u2014 5.8 \nBalance at December 31, 2023 (2) 2,292.1 316.7 \u2014 2,608.8 \nAcquisitions 11.4 \u2014 \u2014 11.4 \nForeign currency translation and other (4.2) \u2014 \u2014 (4.2)\nBalance at December 31, 2024 (2) $ 2,299.3 $ 316.7 $ \u2014 $ 2,616.0 \n(1) As of December 31, 2024, $793.6 million and $1,505.7 million of goodwill was assigned to the Connected Living and Global Automotive reporting units, respectively. As of December 31, 2023,$785.2 million and $1,506.9 million of goodwill was assigned to the Connected Living (including Global Financial Services which was aggregated with Connected Living in 2023) and GlobalAutomotive reporting units, respectively.(2) Consolidated goodwill reflects $1,413.7 million of accumulated impairment losses at December 31, 2024, December 31, 2023 and December 31, 2022.(3) The change during the year ended December 31, 2023 is related to the transfer of certain specialty products, mainly the commercial equipment business, from Global Housing to Global Lifestyle,effective January 1, 2023.\n15. VOBA and Other Intangible Assets \nVOBA\nInformation about VOBA is as follows for the periods indicated:\n Years Ended December 31,\n 2024 2023 2022\nBeginning balance $ 83.9 $ 262.8 $ 583.4 \nAdditions \u2014 \u2014 1.9 \nAmortization, net of interest accrued (75.9) (179.2) (322.8)\nForeign currency translation and other \u2014 0.3 0.3 \nEnding balance $ 8.0 $ 83.9 $ 262.8 \nAs of December 31, 2024, the outstanding VOBA balance is primarily related to the 2018 acquisition of TWG within the Global Lifestyle segment.\nAs of December 31, 2024, the estimated amortization of VOBA for the next five years and thereafter is as follows:\nYear Amount\n2025 $ 3.7 \n2026 1.7 \n2027 1.4 \n2028 0.8 \n2029 0.4 \nThereafter \u2014 \nTotal $ 8.0 \nF-44", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2022, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "86185111-6f0e-44fe-bbf2-3e0b25ed8d73": {"__data__": {"id_": "86185111-6f0e-44fe-bbf2-3e0b25ed8d73", "embedding": null, "metadata": {"page_label": "121", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "fdc47e9e-d3fd-4da3-bbf5-e2c24caa2b1b", "node_type": "4", "metadata": {"page_label": "121", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "991843d8ff2a9bec41e3c9f2ea62388fe1f1e65f587904933160a52fbae59a02", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Other Intangible Assets\nInformation about other intangible assets is as follows as of the dates indicated:\n As of December 31,\n 2024 2023\n CarryingValue AccumulatedAmortization\nNet OtherIntangibleAssets CarryingValue AccumulatedAmortization\nNet OtherIntangibleAssets\nPurchased intangible assets $ 901.1 $ (515.6) $ 385.5 $ 931.2 $ (474.9) $ 456.3 \nOperating intangible assets 239.2 (100.8) 138.4 180.4 (79.9) 100.5 \nTotal finite-lived intangible assets 1,140.3 (616.4) 523.9 1,111.6 (554.8) 556.8 \nTotal indefinite-lived intangible assets 11.7 \u2014 11.7 10.3 \u2014 10.3 \nTotal other intangible assets $ 1,152.0 $ (616.4) $ 535.6 $ 1,121.9 $ (554.8) $ 567.1 \nPurchased intangible assets primarily consist of contract based and customer related intangibles related to acquisitions over the past few years. Operatingintangible assets primarily consist of customer related intangibles. These intangible assets are amortized over their useful lives.\nAmortization of other intangible assets is as follows as of the dates indicated:\n Years Ended December 31,\n 2024 2023 2022\nPurchased intangible assets $ 69.1 $ 77.9 $ 69.7 \nOperating intangible assets 28.8 20.2 24.8 \nTotal $ 97.9 $ 98.1 $ 94.5 \nThe estimated amortization of other intangible assets with finite lives for the next five years and thereafter is as follows: \nYear Purchased IntangibleAssets Operating IntangibleAssets Total\n2025 $ 65.1 $ 32.2 $ 97.3 \n2026 61.0 29.8 90.8 \n2027 50.1 26.2 76.3 \n2028 44.4 20.5 64.9 \n2029 39.1 10.6 49.7 \nThereafter 125.8 19.1 144.9 \nTotal other intangible assets with finite lives $ 385.5 $ 138.4 $ 523.9 \n16. Reserves\nShort Duration Contracts\nContinuing Business (Global Lifestyle and Global Housing)\nThe Company\u2019s short duration contracts include products and services within the Global Lifestyle and Global Housing segments. The main product lines forGlobal Lifestyle include mobile device protection, extended service contracts for consumer electronics and appliances, vehicle service contracts, and financialservices and other insurance. The main product lines for Global Housing include lender-placed homeowners, manufactured housing and flood insurance; voluntarymanufactured housing, condominium and homeowners insurance; and renters insurance.\nTotal IBNR reserves are determined by subtracting case basis incurred losses from the ultimate loss and loss adjustment expense estimates. Ultimate loss andloss adjustment expenses are estimated utilizing generally accepted actuarial loss reserving methods. The reserving methods employed by the Company include theChain Ladder, Munich Chain Ladder and Bornhuetter-Ferguson methods. Reportable catastrophe losses are analyzed and reserved for separately using a frequencyand severity approach. The methods involve aggregating paid and case-incurred loss data by accident quarter (or accident year) and accident age for each productgrouping. As the data ages, loss development factors are calculated that measure emerging claim development patterns between reporting periods. By selecting lossdevelopment factors indicative of remaining development, known losses are projected to an ultimate incurred basis for each accident period. The underlying premiseof the Chain Ladder\nF-45", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3213, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "6c1874ee-a9af-4baf-929e-35d7abee6af0": {"__data__": {"id_": "6c1874ee-a9af-4baf-929e-35d7abee6af0", "embedding": null, "metadata": {"page_label": "122", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3f2f7100-5090-4484-99a9-874d12965402", "node_type": "4", "metadata": {"page_label": "122", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "3625cc4246f07cfa5890e3b1c8269d3bfaab11b10f408eabeabbc04488e2eb2f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "method is that future claims development is best estimated using past claims development, whereas the Bornhuetter-Ferguson method employs a combination of pastclaims development and an estimate of ultimate losses based on an expected loss ratio. The Munich Chain Ladder method takes into account the correlationsbetween paid and incurred development in projecting future development factors and is typically more applicable to products experiencing greater variability inincurred to paid ratios.\nThe best estimate of ultimate loss and loss adjustment expense is generally selected from a blend of the different methods that are applied consistently eachperiod considering significant assumptions, including projected loss development factors and expected loss ratios. There have been no significant changes in themethodologies and assumptions utilized in estimating the liability for unpaid loss and loss adjustment expenses for any of the periods presented.\nNon-core Operations\nShort duration contracts in non-core operations consist of the sharing economy and small commercial products previously reported within Global Housing andthe Company\u2019s operations in mainland China. While the sharing economy and small commercial contracts are classified as short duration, the coverages werepredominantly commercial liability and have a long reporting and settlement tail compared to property coverages which make up most of the Company\u2019s coreoperations.\nThe reserving methodology described for continuing short duration business is applicable for non-core operations (sharing economy and small commercial).Given the nature of commercial liability coverages and its relatively long claim runoff duration, additional emphasis is placed on social inflation impacts andanalysis of individual case reserve adequacy on known claims. This is done through use of average cost per claim methods that include allowance for future inflationimpacts, detailed open claim inventory analysis, and leveraging industry development patterns to supplement the Company\u2019s own historical claims experience.\nDisposed and Runoff Short Duration Insurance Lines\nShort duration contracts within the disposed business include certain medical policies no longer offered and Assurant Employee Benefits policies disposed ofvia reinsurance. Reserves and reinsurance recoverables for previously disposed business are included in the consolidated balance sheets. See Note 17 for additionalinformation.\nThe Company has runoff exposure to asbestos, environmental and other general liability claims arising from the Company\u2019s participation in certain reinsurancepools from 1971 through 1985 from contracts discontinued many years ago. The amount of carried case reserves are based on recommendations of the various poolmanagers. Using information currently available, and after consideration of the reserves reflected in the consolidated financial statements, the Company does notbelieve or expect that changes in reserve estimates for these claims are likely to be material.\nF-46", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3039, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "2869a12d-b973-4845-b805-d57826637012": {"__data__": {"id_": "2869a12d-b973-4845-b805-d57826637012", "embedding": null, "metadata": {"page_label": "123", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "552ea552-3ebd-46ea-ae16-302d33fe6c30", "node_type": "4", "metadata": {"page_label": "123", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "9a9ad3c9475cc586f7851818b8fef4a0ac3dbc66675ebae2679e2d7d08e280bd", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Long Duration Contracts\nThe following table presents the balances and changes in the long-term care future policy benefits and expenses reserve:\nYears Ended December 31,\n2024 2023 2022\nPresent value of expected net premiums\nBalance, beginning of period $ 36.4 $ 34.2 $ 37.1 \nBeginning balance at original discount rate 36.5 33.4 29.2 \nEffect of changes in cash flow assumptions (1) (1.0) 1.5 9.4 \nEffect of actual variances from expected experience 0.9 3.5 (2.7)\nAdjusted beginning of period balance 36.4 38.4 35.9 \nExperience variance (2) 0.1 \u2014 (0.3)\nInterest accrual 3.4 2.8 4.6 \nNet premiums collected (5.9) (4.7) (6.8)\nEnding balance at original discount rate 34.0 36.5 33.4 \nEffect of changes in discount rate assumptions 2.4 (0.1) 0.8 \nBalance, end of period $ 36.4 $ 36.4 $ 34.2 \nPresent value of expected future policy benefits\nBalance, beginning of period $ 450.6 $ 462.4 $ 658.5 \nBeginning balance at original discount rate 453.0 444.4 430.0 \nEffect of changes in cash flow assumptions (1) \u2014 \u2014 12.3 \nEffect of actual variances from expected experience 1.5 4.4 (3.3)\nAdjusted beginning of period balance 454.5 448.8 439.0 \nExperience variance (2) (1.3) 1.0 (1.2)\nInterest accrual 26.2 19.5 24.7 \nBenefit payments (26.5) (16.3) (18.1)\nEnding balance at original discount rate 452.9 453.0 444.4 \nEffect of changes in discount rate assumptions 53.5 (2.4) 18.0 \nBalance, end of period $ 506.4 $ 450.6 $ 462.4 \nNet future policy benefits and expenses $ 470.0 $ 414.2 $ 428.2 \nRelated reinsurance recoverable 470.0 414.2 428.2 \nNet future policy benefits and expenses, after reinsurancerecoverable $ \u2014 $ \u2014 $ \u2014 \nWeighted-average liability duration of the future policybenefits and expenses (in years) 11.4 12.0 12.7\n(1) The increase for the years ending December 31, 2023 and 2022 was primarily due to historical experience reflecting a decreasing trend in lapse and mortality rates on the long-term care insuranceproducts.(2) Experience variance includes adverse development resulting from the allocation of the premium deficiency reserve to the cohort level for issue years where net premiums exceed gross premiums.\nF-47", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2124, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "7f335079-4c27-452e-bd3f-b82ce7aafa65": {"__data__": {"id_": "7f335079-4c27-452e-bd3f-b82ce7aafa65", "embedding": null, "metadata": {"page_label": "124", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a62812a6-5b16-4840-b06a-0b7c099a42cc", "node_type": "4", "metadata": {"page_label": "124", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "2272f9115851e16690c272d158ab8dbf5b3492092f89568327376600dc0b9a9f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The following table presents a reconciliation of the long-term care net future policy benefits and expenses to the future policy benefits and expenses reserve inthe consolidated balance sheet:\nDecember 31, 2024 December 31, 2023\nLong-term care $ 470.0 $ 414.2 \nOther 66.7 73.0 \nTotal $ 536.7 $ 487.2 \nThe following table presents the amount of undiscounted expected future benefit payments and expected gross premiums for the long-term care insurancecontracts:\nDecember 31, 2024 December 31, 2023\nExpected future benefits payments $ 804.4 $ 829.3 \nExpected future gross premiums $ 61.9 $ 69.4 \nThe following table presents the amount of long-term care revenue and interest recognized in the consolidated statements of operations:\nYears Ended December 31,\n2024 2023 2022\nGross premiums $ 1.4 $ 1.5 $ 1.7 \nInterest expense (original discount rate) $ 5.7 $ 5.6 $ 4.7 \nThe following table presents the weighted-average interest rate for long-term care insurance contracts:\nDecember 31, 2024 December 31, 2023\nInterest expense (original discount rate) 5.95 % 5.95 %\nCurrent discount rate 4.63 % 6.01 %\nReserve Roll Forward\nThe following table provides a roll forward of the Company\u2019s beginning and ending claims and benefits payable balances. Claims and benefits payable is theliability for unpaid loss and loss adjustment expenses and are comprised of case and IBNR reserves. These balances do not include the recoverable amounts relatedto certain high deductible policies in the sharing economy business, included in the non-core operations, for which the Company is responsible for paying theentirety of the claim and is subsequently reimbursed by the insured for the deductible portion of the claim. As of December 31, 2024, the Company had exposure of$168.2 million of reserves below the deductible that it would be responsible for if the clients were to default on their contractual obligation to pay the deductible.Refer to Note 4 for more information on the evaluation of the credit risk exposure from these recoverables.\nSince unpaid loss and loss adjustment expenses are estimates, the Company\u2019s actual losses incurred may be more or less than the Company\u2019s previouslydeveloped estimates, which is referred to as either unfavorable or favorable development, respectively.\nF-48", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2281, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "5545ca5a-97a2-46c8-9f1c-b711936e0ca4": {"__data__": {"id_": "5545ca5a-97a2-46c8-9f1c-b711936e0ca4", "embedding": null, "metadata": {"page_label": "125", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "706e28f5-ecc1-4aed-9b7d-6d94a8d9a976", "node_type": "4", "metadata": {"page_label": "125", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d1aaf3971cf390d4d76847060fe75aecbe62f5a327caba907014e0a15d2cc0ee", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "c8226dd4-19c3-4139-84b3-d32d2ee13f23", "node_type": "1", "metadata": {}, "hash": "ded77ba27d1386deb6462d600dc657c014979084764ac4a664c247f1726bf834", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The best estimate of ultimate loss and loss adjustment expenses is generally selected from a blend of methods that are applied consistently each period. Therehave been no significant changes in the methodologies and assumptions utilized in estimating the liability for unpaid loss and loss adjustment expenses for any of theperiods presented.\nYears Ended December 31,\n2024 2023 2022\nClaims and benefits payable, at beginning of year $ 1,989.2 $ 2,210.0 $ 1,523.0 \nLess: Reinsurance ceded and other (886.6) (1,228.8) (744.1)\nNet claims and benefits payable, at beginning of year 1,102.6 981.2 778.9 \nIncurred losses and loss adjustment expenses related to:\nCurrent year 2,893.8 2,548.4 2,304.3 \nPrior years (127.3) (26.6) 55.5 \nTotal incurred losses and loss adjustment expenses 2,766.5 2,521.8 2,359.8 \nPaid losses and loss adjustment expenses related to:\nCurrent year 2,021.8 1,802.3 1,648.1 \nPrior years 602.9 598.1 509.4 \nTotal paid losses and loss adjustment expenses 2,624.7 2,400.4 2,157.5 \nNet claims and benefits payable, at end of year 1,244.4 1,102.6 981.2 \nPlus: Reinsurance ceded and other (1) 1,669.8 886.6 1,228.8 \nClaims and benefits payable, at end of year (1) $ 2,914.2 $ 1,989.2 $ 2,210.0 \n(1) Includes reinsurance recoverables and claims and benefits payable of $911.7 million, $123.6 million and $424.3 million as of December 31, 2024, 2023 and 2022, respectively, which were ceded to theU.S. government. The Company acts as an administrator for the U.S. government under the voluntary National Flood Insurance Program.\nA comparison of net (favorable) unfavorable prior year development is shown below across the Company\u2019s current and former segments and businesses.\nPrior Year Incurred Loss Development for the Years Ending December 31,\n2024 2023 2022\nGlobal Lifestyle $ (18.9) $ (23.6) $ (45.4)\nGlobal Housing (109.7) (37.1) 28.9 \nNon-core operations 13.6 40.1 77.4 \nAll Other (12.3) (6.0) (5.4)\nTotal $ (127.3) $ (26.6) $ 55.5 \nThe Company experienced net favorable loss development for the years ended December 31, 2024 and 2023, and net unfavorable loss development for the yearended December 31, 2022. Global Lifestyle experienced net favorable development in 2024, 2023 and 2022 of $18.9 million, $23.6 million and $45.4 million,respectively. Global Lifestyle experienced similar amounts of net favorable development in 2024 and 2023. The decrease in net favorable development from 2022 to2023 was primarily due to Global Automotive ancillary products as the used car market began to normalize in 2023 and the high net favorable developmentexperienced in 2022 did not repeat. Global Housing experienced net favorable loss development in 2024 and 2023 of $109.7 million and $37.1 million, respectively,as claim experience for lender-placed homeowners insurance developed favorably due to easing inflation and favorable frequency compared to initial estimatesestablished during a period with high market uncertainty, stabilization of claim settlement lags, and legislation reform in Florida. Global Housing experienced netunfavorable development of $28.9 million in 2022, primarily due to lender-placed homeowners insurance affected by longer claim settlement lags and inflationaryimpacts. The non-core operations, which includes the sharing economy and small commercial businesses and the company\u2019s operations in mainland China,contributed net unfavorable loss development of $13.6 million, $40.1 million, and $77.4 million in 2024, 2023 and 2022, respectively.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3487, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "c8226dd4-19c3-4139-84b3-d32d2ee13f23": {"__data__": {"id_": "c8226dd4-19c3-4139-84b3-d32d2ee13f23", "embedding": null, "metadata": {"page_label": "125", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "706e28f5-ecc1-4aed-9b7d-6d94a8d9a976", "node_type": "4", "metadata": {"page_label": "125", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d1aaf3971cf390d4d76847060fe75aecbe62f5a327caba907014e0a15d2cc0ee", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "5545ca5a-97a2-46c8-9f1c-b711936e0ca4", "node_type": "1", "metadata": {"page_label": "125", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "18fab5a8f2cdcdb7688a82963a08e694419b715c9462f8ae2ea6e0c936d12176", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "A more detailed explanationof the claims development from Global Lifestyle, Global Housing and non-core operations is presented below, including claims development by accident year.Reserves for the longer-tail property and casualty coverages included in All Other (e.g., asbestos, environmental and other general liability) had no material changesin estimated amounts for claims incurred in prior years.\nThe following tables represent the Global Lifestyle, Global Housing and non-core operations incurred claims and allocated claim adjustment expenses, net ofreinsurance, less cumulative paid claims and allocated claim adjustment expenses, net of reinsurance to reconcile to total claims and benefits payable, net ofreinsurance as of December 31, 2024. The tables\nF-49", "mimetype": "text/plain", "start_char_idx": 3488, "end_char_idx": 4257, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "80e01328-0d82-4a5a-9969-e8e29ebc854d": {"__data__": {"id_": "80e01328-0d82-4a5a-9969-e8e29ebc854d", "embedding": null, "metadata": {"page_label": "126", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "27e71cf4-6f80-4fb9-ba92-eff97e7a669b", "node_type": "4", "metadata": {"page_label": "126", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "fbbf5c45fde213022e83bc8810ed59eae6402ba8be44b9405537185ac6b3779e", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "provide undiscounted information about claims development by accident year for the significant short duration claims and benefits payable balances.\nThe following factors are relevant to the loss development information included in the tables below:\n\u2022 Table Presentation: The tables are organized by accident year. For certain categories of claims and for reinsurance recoverables, losses may sometimes bereclassified to an earlier or later accident year as more information about the date of occurrence becomes available to us. These reclassifications are shownas development in the respective years in the tables below. Predominantly, the Company writes short-tail lines that are written on an occurrence basis. Fiveyears of claims development information is provided since most of the claims are fully developed after five years, as shown in the average payout ratiotables.\n\u2022 Table Groupings: The groupings have homogeneous risk characteristics with similar development patterns and would generally be subject to similar trendsand reflect our reportable segments.\n\u2022 Impact of Reinsurance: The reinsurance program varies by exposure type. Historically, the Company has leveraged facultative and treaty reinsurance, bothon pro-rata and excess of loss basis. The reinsurance program may change from year to year, which may affect the comparability of the data presented in thetables.\n\u2022 IBNR: Includes development from past reported losses in IBNR.\n\u2022 Information excluded from tables: Unallocated loss adjustment expenses are excluded from the tables.\n\u2022 Foreign exchange rates: The loss development for operations outside of the U.S. is presented for all accident years using the current exchange rates atDecember 31, 2024. Although this approach requires restating all prior accident year information, the changes in exchange rates do not impact incurred andpaid loss development trends.\n\u2022 Acquisitions: Includes acquisitions from all accident years presented in the tables. For purposes of this disclosure, we have applied the retrospectivemethod for the acquired reserves, including incurred and paid claim development histories throughout the relevant tables. It should be noted that historicalreserves for the acquired business were established by the acquired companies using methods, assumptions and procedures then in effect which may differfrom our current reserving bases. Accordingly, it may not be appropriate to extrapolate future reserve adequacy based on the aggregated historical resultsshown in the tables.\n\u2022 Dispositions: Excludes dispositions from all accident years presented in the tables.\n\u2022 Claim counts: Considers a reported claim to be one claim for each claimant or feature for each loss occurrence. Reported claims for losses from assumedreinsurance contracts are not available and hence not included in the reported claims. There are limitations that should be considered on the reported claimcount data in the tables below, including:\n\u25e6 Claim counts are presented only on a reported (not an ultimate) basis;\n\u25e6 The tables below include lines of business and geographies at a certain aggregated level which may indicate different frequency and severity trendsand characteristics, and may not be as meaningful as the claim count information related to the individual products within those lines of businessand geographies;\n\u25e6 Certain lines of business are more likely to be subject to occurrences involving multiple claimants and features, which can distort measures basedon the reported claim counts in the table below; and\n\u25e6 Reported claim counts are not adjusted for ceded reinsurance, which may distort the measure of frequency or severity.\n\u2022 Required Supplemental Information: The information about incurred and paid loss development for all periods preceding year ended December 31, 2024and the related historical claims payout percentage disclosure is unaudited and is presented as required supplementary information.\nF-50", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3951, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "3bfcd119-36b3-4882-b8b0-6203382410ad": {"__data__": {"id_": "3bfcd119-36b3-4882-b8b0-6203382410ad", "embedding": null, "metadata": {"page_label": "127", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "7230d66e-c817-4690-8f3e-baa729354c4d", "node_type": "4", "metadata": {"page_label": "127", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "1bf6bf2e79fe0a21275cefa06b290f4b0d839707e6a0f458fc0d86a4807d3126", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "b81b2665-95bf-46d9-bac8-4e1315b4cba5", "node_type": "1", "metadata": {}, "hash": "3723acf835ef339f1cf4fc5a8c2563dadf9365ea65a6b91cd6c9894f6de03062", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Global Lifestyle Net Claims Development Tables\nIncurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance December 31, 2024\nYears Ended December 31,\nTotal of Incurred-but-Not Reported Liabilities PlusExpected Development on Reported Claims (1) Cumulative Number ofReported Claims (2)Accident Year 2020 Unaudited 2021 Unaudited 2022 Unaudited 2023 Unaudited 2024\n2020 $ 1,423.9 $ 1,398.1 $ 1,398.4 $ 1,396.3 $ 1,394.7 $ 0.3 9,597,590 \n2021 1,330.7 1,278.7 1,276.2 1,275.2 0.5 9,689,514 \n2022 1,373.9 1,358.6 1,354.6 2.5 9,394,247 \n2023 1,611.2 1,598.5 7.5 8,230,700 \n2024 1,769.9 242.2 7,504,772 \nTotal$ 7,392.9 \nCumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance\nYears Ended December 31,\nAccident Year 2020 Unaudited 2021 Unaudited 2022 Unaudited 2023 Unaudited 2024\n2020 $ 1,205.5 $ 1,382.2 $ 1,388.7 $ 1,390.6 $ 1,392.2 \n2021 1,108.5 1,266.6 1,270.6 1,272.5 \n2022 1,152.8 1,345.7 1,349.8 \n2023 1,351.0 1,586.3 \n2024 1,421.7 \nTotal$ 7,022.5 \nOutstanding claims and benefits payable before 2020, net of reinsurance 5.5 \nClaims and benefits payable, net of reinsurance$ 375.9 \nAverage Annual Payout of Incurred Claims by Age, Net of Reinsurance\nYear 1 Unaudited Year 2 Unaudited Year 3 Unaudited Year 4 Unaudited Year 5 Unaudited\n85.7% 13.7% 0.4% 0.1% 0.1%\n(1) Includes a provision for development on case reserves.(2) Number of paid claims plus open (pending) claims. Claim count information related to ceded reinsurance is not reflected as it cannot be reasonably defined or quantified, given that the Company\u2019sreinsurance includes non-proportional treaties.\nUsing the December 31, 2024 foreign exchange rates for all years, Global Lifestyle experienced $18.9 million of net favorable loss development for the yearended December 31, 2024, compared to net favorable loss development of $23.6 million and $45.4 million for the years ended December 31, 2023 and 2022,respectively. These amounts are based on the change in net incurred losses from the claims development tables above, plus additional impacts from accident yearsprior to 2020. Many of these contracts and products contain retrospective commission (profit sharing) provisions that would result in offsetting increases ordecreases in expense dependent on if the development was favorable or unfavorable.  \nDevelopment from Global Lifestyle is attributable to nearly all lines of business across most of the Company\u2019s regions with a concentration on more recentaccident years and based on emerging evaluations regarding loss experience each period. For the year ended December 31, 2024, the Global Lifestyle net favorabledevelopment of $18.9 million was attributable to Connected Living which contributed $21.5 million comprised of $9.9 million from credit and other insurance,$2.0 million from mobile and $9.6 million from extended service contracts. The favorable development from credit and other insurance was primarily due torefinements in reserve methods coupled with an improving portfolio mix for Europe and the release of reserves for Canadian credit and travel programs where lossassumptions related to COVID-19 did not materialize. For extended service contracts, improvements in data quality for certain US clients allowed for reservereleases and resulted in favorable reserve refinements. Global Automotive experienced net unfavorable development of $2.6 million, driven by higher claimfrequencies as more vehicles met the loss criteria in an asset protection product.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3490, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "b81b2665-95bf-46d9-bac8-4e1315b4cba5": {"__data__": {"id_": "b81b2665-95bf-46d9-bac8-4e1315b4cba5", "embedding": null, "metadata": {"page_label": "127", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "7230d66e-c817-4690-8f3e-baa729354c4d", "node_type": "4", "metadata": {"page_label": "127", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "1bf6bf2e79fe0a21275cefa06b290f4b0d839707e6a0f458fc0d86a4807d3126", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "3bfcd119-36b3-4882-b8b0-6203382410ad", "node_type": "1", "metadata": {"page_label": "127", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "aaac0170d0b0f159456ba6f3a271dcb6a0163e20e983c44901ae85058e716555", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "For the year ended December 31, 2023, the Global Lifestyle net favorabledevelopment was primarily attributable to favorable runoff of international credit products where loss assumptions related to inflation and COVID-19 did notmaterialize. For the year ended December 31, 2022, the release of reserves related to Global Automotive ancillary products due to the strong used vehicle marketwas a contributing factor.\nForeign exchange rate movements over time caused some of the reserve differences shown in the reserve roll forward and prior year incurred loss tables to varyfrom what is reflected in the claims development tables for Global Lifestyle. The impacts\nF-51", "mimetype": "text/plain", "start_char_idx": 3491, "end_char_idx": 4158, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "f555c079-5477-4cfb-bbe6-c9d34edd7bf1": {"__data__": {"id_": "f555c079-5477-4cfb-bbe6-c9d34edd7bf1", "embedding": null, "metadata": {"page_label": "128", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "0c3e57f3-ccd2-485f-bf92-d13e60bbccd3", "node_type": "4", "metadata": {"page_label": "128", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "74d188721f9bf425cea94902c760cc40070e24558f11ab8d94ebbb18c2576757", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "by year were $(0.9) million, $0.3 million, and $(0.4) million for the years ended December 31, 2024, 2023 and 2022, respectively. The claims development tablesabove remove the impact due to changing foreign exchange rates over time for comparability.\nGlobal Housing Net Claims Development Tables\nIncurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance December 31, 2024\nYears Ended December 31, Total of Incurred-but-Not Reported LiabilitiesPlus Expected Development on Reported Claims(1) Cumulative Number ofReported Claims (2)Accident Year 2020 Unaudited 2021 Unaudited 2022 Unaudited 2023 Unaudited 2024\n2020 $ 804.1 $ 804.8 $ 834.4 $ 848.9 $ 847.3 $ 11.4 191,428 \n2021 784.0 769.0 770.5 761.4 14.5 194,998 \n2022 862.4 809.4 803.3 38.0 187,384 \n2023 901.4 814.0 131.8 177,977 \n2024 1,123.1 441.8 201,149 \nTotal$ 4,349.1 \nCumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance\nYears Ended December 31,\nAccident Year 2020 Unaudited 2021 Unaudited 2022 Unaudited 2023 Unaudited 2024\n2020 $ 528.8 $ 730.0 $ 793.0 $ 820.8 $ 831.9 \n2021 517.6 690.3 727.8 743.0 \n2022 467.7 701.3 754.5 \n2023 450.9 665.3 \n2024 597.9 \nTotal$ 3,592.6 \nOutstanding claims and benefits payable before 2020, net of reinsurance 9.9 \nClaims and benefits payable, net of reinsurance$ 766.4 \nAverage Annual Payout of Incurred Claims by Age, Net of Reinsurance\nYear 1 Unaudited Year 2 Unaudited Year 3 Unaudited Year 4 Unaudited Year 5 Unaudited\n62.5% 26.8% 6.6% 2.8% 1.4%\n(1) Includes a provision for development on case reserves.(2) Number of paid claims plus open (pending) claims. Claim frequency is determined at a claimant reporting level. Depending on the nature of the product and related coverage triggers, it is possible for aclaimant to contribute multiple claim counts in a given policy period. Claim count information related to ceded reinsurance is not reflected as it cannot be reasonably defined or quantified, given thatthe Company\u2019s reinsurance includes non-proportional treaties.\nFor the year ended December 31, 2024, Global Housing experienced $109.7 million of net favorable loss development, compared to net favorable lossdevelopment of $37.1 million for the year ended December 31, 2023 and unfavorable loss development of $28.9 million for the year ended December 31, 2022.These amounts are based on the change in net incurred losses from the claims development data above, plus additional impacts from accident years prior to 2020.For the year ended December 31, 2024, the net favorable development for Global Housing was attributable to non-catastrophe claim experience for lender-placedhomeowners insurance, as claim experience developed favorably due to easing inflation and favorable frequency compared to initial estimates established during aperiod with high market uncertainty, stabilization of claim settlement lags, and legislation reform in Florida. For the year ended December 31, 2023, the netfavorable development for Global Housing was attributable to similar factors as described for the year ended December 31, 2024. For the year ended December 31,2022, the net unfavorable development for Global Housing was attributable to lender-placed homeowners insurance, primarily accident year 2020, due to longerclaim settlement lags for water damage claims and inflation.\nF-52", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3327, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "5535a615-8201-4180-9b67-fc996139207c": {"__data__": {"id_": "5535a615-8201-4180-9b67-fc996139207c", "embedding": null, "metadata": {"page_label": "129", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a528911d-f565-4749-8068-fdf74aad5926", "node_type": "4", "metadata": {"page_label": "129", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "17fce1bf470a9327d8ab85dbb86e865556fb04128512a223b6781f50b16c374c", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Non-core Operations Net Claims Development Tables\nIncurred Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance December 31, 2024\nYears Ended December 31,\nTotal of Incurred-but-Not Reported Liabilities PlusExpected Development on Reported Claims (1) Cumulative Number ofReported Claims (2)Accident Year 2020 Unaudited 2021 Unaudited 2022 Unaudited 2023 Unaudited 2024\n2020 $ 51.3 $ 47.9 $ 70.9 $ 85.0 $ 81.4 $ 5.8 58,228 \n2021 52.5 74.0 98.3 102.1 17.6 54,679 \n2022 40.0 45.7 55.4 5.0 27,349 \n2023 7.2 8.5 3.5 13,802 \n2024 0.5 \u2014 1,210 \nTotal$ 247.9 \nCumulative Paid Claims and Allocated Claim Adjustment Expenses, Net of Reinsurance\nYears Ended December 31,\nAccident Year 2020 Unaudited 2021 Unaudited 2022 Unaudited 2023 Unaudited 2024\n2020 $ 20.0 $ 30.0 $ 42.6 $ 60.8 $ 69.9 \n2021 20.8 38.1 58.4 76.3 \n2022 10.2 19.4 44.1 \n2023 3.3 4.6 \n2024 \u2014 \nTotal$ 194.9 \nOutstanding claims and benefits payable before 2019, net of reinsurance 16.5 \nClaims and benefits payable, net of reinsurance$ 69.5 \nAverage Annual Payout of Incurred Claims by Age, Net of Reinsurance\nYear 1 Unaudited Year 2 Unaudited Year 3 Unaudited Year 4 Unaudited Year 5 Unaudited\n22.9% 16.3% 28.0% 21.1% 11.7%\n(1) Includes a provision for development on case reserves.(2) Number of paid claims plus open (pending) claims. Claim frequency is determined at a claimant reporting level. Depending on the nature of the product and related coverage triggers, it is possible for aclaimant to contribute multiple claim counts in a given policy period. Claim count information related to ceded reinsurance is not reflected as it cannot be reasonably defined or quantified, given thatthe Company\u2019s reinsurance includes non-proportional treaties.\nFor the years ended December 31, 2024, 2023 and 2022, non-core operations contributed net unfavorable loss development of $13.6 million, $40.1 million, and$77.4 million, including $1.3 million, $(0.5) million and $15.3 million from small commercial and $12.3 million, $40.6 million and $62.1 million from sharingeconomy products, respectively. The Company stopped writing new small commercial business in 2019 and the claims are in runoff. For the year ended December31, 2024, the net unfavorable development in sharing economy was attributable to reserve increases related to higher settlement values, primarily for accident years2019 and 2020. In second quarter 2023, the Company entered into a retroactive reinsurance treaty to cover certain known losses and adverse development up to a$50.0 million aggregate limit, relating to the small commercial business. For the year ended December 31, 2023, the net unfavorable development from sharingeconomy was driven by emerging adverse claim development trends on known claims as well as reserve assumption revisions to reflect relevant industrybenchmarks. Both sharing economy and small commercial experienced unfavorable development in the year ended December 31, 2022 on known claims driven bysocial inflation and the release of the backlog from courts reopening after COVID-19.\nF-53", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3051, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "2a2b83fa-c3d8-4c73-9d73-9e86f9bf2258": {"__data__": {"id_": "2a2b83fa-c3d8-4c73-9d73-9e86f9bf2258", "embedding": null, "metadata": {"page_label": "130", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "7b84175f-cc0d-42a9-b469-a98ed5d98208", "node_type": "4", "metadata": {"page_label": "130", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "3d954a4cdf07c09b58f56e6cf1bfdf0d9ec9f6899044bee7d16eb5d91a1f84a7", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Reconciliation of the Disclosure of Net Incurred and Paid Claims Development to the Liability for Unpaid Claims and Benefits Payable\nDecember 31, 2024\nNet outstanding liabilities\nGlobal Lifestyle $ 375.9 \nGlobal Housing 766.4 \nNon-core operations 69.5 \nOther short-duration insurance lines (1) 15.9 \nDisposed business short-duration insurance lines (Assurant Health) 1.1 \nClaims and benefits payable, net of reinsurance 1,228.8 \nReinsurance recoverable on unpaid claims\nGlobal Lifestyle (2) 498.2 \nGlobal Housing 1,105.8 \nNon-core operations 50.4 \nOther short-duration insurance lines (1) 0.9 \nDisposed business short-duration insurance lines (Assurant Employee Benefits and Assurant Health) 12.2 \nTotal reinsurance recoverable on unpaid claims 1,667.5 \nInsurance lines other than short-duration (3) 2.2 \nUnallocated claim adjustment expense 15.7 \nOther \u2014 \nTotal claims and benefits payable $ 2,914.2 \n(1) Asbestos and pollution reserves represents $13.4 million of the other short-duration insurance lines, with $0.9 million recoveries.(2) Disposed of property and casualty business represents $153.5 million of the $498.2 million in reinsurance recoverables for Global Lifestyle.(3) Amount consists of certain long-duration contract exposures, primarily claims and benefits payable on run-off blocks of universal life policies.\n17. Reinsurance\nIn the ordinary course of business, the Company is involved in both the assumption and cession of reinsurance with non-affiliated companies. The Company\u2019sreinsurance agreements do not relieve the Company from its direct obligation to its insureds. Thus, a credit exposure exists to the extent that any reinsurer is unableto meet the obligations assumed in the reinsurance agreements. The following table provides details of the reinsurance recoverables balance as of the dates indicated:\nDecember 31,\n2024 2023\nCeded future policyholder benefits and expense $ 340.7 $ 339.9 \nCeded unearned premium 5,188.5 5,265.2 \nCeded claims and benefits payable 1,808.9 971.4 \nCeded paid losses 241.4 72.7 \nTotal $ 7,579.5 $ 6,649.2 \nA key credit quality indicator for reinsurance is the A.M. Best Company (\u201cA.M. Best\u201d) financial strength ratings of the reinsurer. A.M. Best financial strengthratings are an independent opinion of a reinsurer\u2019s ability to meet ongoing obligations to policyholders. The A.M. Best ratings for the reinsurers in new reinsuranceagreements where there is material credit exposure are reviewed at the time of execution. The A.M. Best ratings for existing reinsurance agreements are reviewed ona quarterly basis, or sooner based on developments. The following table provides the reinsurance recoverable as of December 31, 2024 grouped by A.M. Bestfinancial strength ratings:\nF-54", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2739, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "514685b5-8819-487d-b8e1-46507b982b33": {"__data__": {"id_": "514685b5-8819-487d-b8e1-46507b982b33", "embedding": null, "metadata": {"page_label": "131", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "26441e01-74c4-49b5-98cd-0a24b6bafb48", "node_type": "4", "metadata": {"page_label": "131", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f2792c64775f0ea52d6cb0588952bae01a28793659856d112ca43ef3066c98c9", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "33c3af2d-400a-49b6-900b-b4f55e546eb9", "node_type": "1", "metadata": {}, "hash": "9caf6d5be5ec451f2db499deace2b4329cd9394c10b7054403290ae1a913e5a6", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "A.M. Best Rating of Reinsurer\nCeded futurepolicyholderbenefits andexpense\nCededunearnedpremiums\nCeded claimsand benefitspayable Ceded paidlosses Total\nA++ or A+ $ 340.7 $ 50.6 $ 199.3 $ 12.3 $ 602.9 \nA or A- \u2014 7.2 33.6 3.9 44.7 \nB++ or B \u2014 9.2 2.3 \u2014 11.5 \nNot Rated (1) \u2014 5,121.5 1,573.7 230.2 6,925.4 \nTotal 340.7 5,188.5 1,808.9 246.4 7,584.5 \nLess: Allowance \u2014 \u2014 \u2014 (5.0) (5.0)\nNet reinsurance recoverable $ 340.7 $ 5,188.5 $ 1,808.9 $ 241.4 $ 7,579.5 \n(1) Not Rated ceded claims and benefits payable included reinsurance recoverables of $911.7 million as of December 31, 2024 which were ceded to the U.S. government. The Company acts as anadministrator for the U.S. government under the voluntary National Flood Insurance Program.\nA substantial portion of the Not Rated category is related to Global Lifestyle\u2019s and Global Housing\u2019s agreements to reinsure premiums and risks related tobusiness generated by certain clients to the clients\u2019 own captive insurance companies or to reinsurance subsidiaries in which the clients have an ownership interest.To mitigate exposure to credit risk for these reinsurers, the Company evaluates the financial condition of the reinsurer and typically holds substantial collateral (inthe form of funds withheld, trusts and letters of credit) as security.\nThe effect of reinsurance on premiums earned and benefits incurred was as follows for the periods indicated: \n  Years Ended December 31,\n  2024 2023 2022\n  LongDuration ShortDuration Total LongDuration ShortDuration Total LongDuration ShortDuration Total\nDirect earned premiums $ 13.4 $ 18,820.1 $ 18,833.5 $ 14.4 $ 18,308.4 $ 18,322.8 $ 19.3 $ 17,475.3 $ 17,494.6 \nPremiums assumed \u2014 178.6 178.6 \u2014 186.4 186.4 \u2014 196.7 196.7 \nPremiums ceded (8.0) (9,208.3) (9,216.3) (7.9) (9,113.3) (9,121.2) (12.3) (8,913.7) (8,926.0)\nNet earned premiums $ 5.4 $ 9,790.4 $ 9,795.8 $ 6.5 $ 9,381.5 $ 9,388.0 $ 7.0 $ 8,758.3 $ 8,765.3 \nDirect policyholder benefits $ 33.7 $ 8,777.1 $ 8,810.8 $ 36.5 $ 7,568.2 $ 7,604.7 $ 55.6 $ 7,616.8 $ 7,672.4 \nPolicyholder benefitsassumed 0.1 276.9 277.0 \u2014 241.9 241.9 \u2014 163.4 163.4 \nPolicyholder benefits ceded (30.3) (6,291.0) (6,321.3) (31.8) (5,293.0) (5,324.8) (51.8) (5,424.2) (5,476.0)\nNet policyholder benefits $ 3.5 $ 2,763.0 $ 2,766.5 $ 4.7 $ 2,517.1 $ 2,521.8 $ 3.8 $ 2,356.0 $ 2,359.8 \nThe Company had zero invested assets held in trusts or by custodians as of December 31, 2024 and 2023, for the benefit of others related to certain reinsurancearrangements.\nThe Company utilizes ceded reinsurance for loss protection and capital management, segment client risk and profit sharing and business divestitures.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2630, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "33c3af2d-400a-49b6-900b-b4f55e546eb9": {"__data__": {"id_": "33c3af2d-400a-49b6-900b-b4f55e546eb9", "embedding": null, "metadata": {"page_label": "131", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "26441e01-74c4-49b5-98cd-0a24b6bafb48", "node_type": "4", "metadata": {"page_label": "131", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f2792c64775f0ea52d6cb0588952bae01a28793659856d112ca43ef3066c98c9", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "514685b5-8819-487d-b8e1-46507b982b33", "node_type": "1", "metadata": {"page_label": "131", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "2c0b78b89b8e7a8fa892f992188b9c5362b3346cf7020e9f736103b1319f6c96", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Loss Protection and Capital Management\nAs part of the Company\u2019s overall risk and capacity management strategy, the Company purchases reinsurance for certain risks underwritten by the Company\u2019svarious segments, including significant individual or catastrophic claims.\nFor those product lines where there is exposure to losses from catastrophe events, the Company closely monitors and manages its aggregate risk exposure bygeographic area. The Company has entered into reinsurance treaties to manage exposure to these types of events.\nSegment Client Risk and Profit Sharing\nThe Global Lifestyle and Global Housing segments write business produced by their clients, such as mobile providers, auto dealers, mortgage lenders andservicers, and financial institutions, and reinsure all or a portion of such business to insurance subsidiaries of some clients. Such arrangements allow significantflexibility in structuring the sharing of risks and profits on the underlying business.\nF-55", "mimetype": "text/plain", "start_char_idx": 2631, "end_char_idx": 3610, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "fab021ad-3640-40bc-be75-6922a414be0a": {"__data__": {"id_": "fab021ad-3640-40bc-be75-6922a414be0a", "embedding": null, "metadata": {"page_label": "132", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "adb25364-ec76-4191-abfa-09202849bd2f", "node_type": "4", "metadata": {"page_label": "132", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "9fd47ee010cf4e615538c76a309635b8f330ca7775e9807f4780a61df6865e73", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "A substantial portion of Global Lifestyle\u2019s and Global Housing\u2019s reinsurance activities are related to agreements to reinsure premiums and risks related tobusiness generated by certain clients to the clients\u2019 own captive insurance companies or to reinsurance subsidiaries in which the clients have an ownership interest.Through these arrangements, the Company\u2019s insurance subsidiaries share some of the premiums and risk related to client-generated business. When the reinsurancecompanies are not authorized to do business in the state of domicile of the Company\u2019s insurance subsidiary, the Company\u2019s insurance subsidiary generally obtainscollateral, such as a trust or a letter of credit, from the reinsurance company or its affiliate in an amount equal to the outstanding reserves to obtain full statutoryfinancial credit in the domiciliary state for the reinsurance.\nBusiness Divestitures\nThe Company has used reinsurance to sell certain businesses in the past because the businesses shared legal entities with operating segments that the Companyretained. Assets backing reserves reinsured under these sales are mainly held in trusts or separate accounts. If the reinsurers became insolvent, the Company wouldbe exposed to the risk that the assets in the trusts or the separate accounts, if any, could prove insufficient to support the liabilities that would revert back to theCompany. The reinsurance recoverables relating to these divestitures amounted to $643.2 million as of December 31, 2024, of which $471.5 million was attributableto John Hancock, which reinsures the long-term care business and has an A.M. Best financial strength rating of A+ with a stable outlook.\nIn addition, the Company would be responsible for administering these businesses in the event of reinsurer insolvency. The Company does not currently havethe administrative systems and capabilities to process these businesses. Accordingly, the Company would need to obtain those capabilities in the event of aninsolvency of one or more of the reinsurers of these businesses. The Company might be forced to obtain such capabilities on unfavorable terms with a resultingmaterial adverse effect on our results of operations and financial condition.\nAs of December 31, 2024, the Company was not aware of any regulatory actions taken with respect to the solvency of the insurance subsidiaries of JohnHancock and the Company has not been obligated to fulfill any of its obligations. John Hancock has paid its obligations when due and there have been no disputes.\n18. Debt\nThe following table shows the principal amount and carrying value of the Company\u2019s outstanding debt, less unamortized discount and issuance costs asapplicable, as of December 31, 2024 and 2023:\nDecember 31, 2024 December 31, 2023\nPrincipal Amount Carrying Value Principal Amount Carrying Value\n6.10% Senior Notes due February 2026 175.0 174.3 175.0 173.7 \n4.90% Senior Notes due March 2028 300.0 298.6 300.0 298.2 \n3.70% Senior Notes due February 2030 350.0 348.2 350.0 347.9 \n2.65% Senior Notes due January 2032 350.0 347.3 350.0 347.0 \n6.75% Senior Notes due February 2034 275.0 272.8 275.0 272.7 \n7.00% Fixed-to-Floating Rate Subordinated Notes due March 2048(1) 400.0 397.7 400.0 397.0 \n5.25% Subordinated Notes due January 2061 250.0 244.2 250.0 244.1 \nTotal Debt $ 2,083.1 $ 2,080.6 \n(1) Bears a 7.00% annual interest rate to March 2028 and an annual interest rate equal to three-month LIBOR plus 4.135% thereafter. Under the terms of the debt agreement, a substitute or successor baserate will be since the LIBOR base rate has been discontinued.\nFor the years ended December 31, 2024, 2023 and 2022, interest expense was $107.0 million, $108.0 million and $108.3 million, respectively. Interest expenseincludes derivative related activities described in the interest rate derivatives section below. There was $33.5 million and $33.5 million of accrued interest as ofDecember 31, 2024 and 2023, respectively.\nF-56", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3963, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "8a82882c-5bf0-4d44-8828-3e5ff11d09a6": {"__data__": {"id_": "8a82882c-5bf0-4d44-8828-3e5ff11d09a6", "embedding": null, "metadata": {"page_label": "133", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "03fe452e-3bc5-43f4-a63b-09798efda0ef", "node_type": "4", "metadata": {"page_label": "133", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "05d9ef54a31c197cf5d9e80956ad71ad13a2e2b3bfd9b97444e57cd3bc9e259e", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "10351b5b-ed36-4d7f-a17c-27eb142f54f3", "node_type": "1", "metadata": {}, "hash": "a8b5ea9b7e80f0f2821815c317006714151fb6d9a549725a4b45aa0950c33e4e", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Debt Issuances\nSenior Notes\n2026 Senior Notes: In February 2023, the Company issued senior notes due February 2026 with an aggregate principal amount of $175.0 million, which bearinterest at a rate of 6.10% per year and were issued at a 0.035% discount to the public (the \u201c2026 Senior Notes\u201d). Interest on the 2026 Senior Notes is payable semi-annually in arrears on February 27 and August 27 of each year, beginning on August 27, 2023. Prior to January 27, 2026, the Company may redeem all or part of the2026 Senior Notes at a redemption price equal to 100% of the outstanding principal amount of the 2026 Senior Notes to be redeemed, plus a make-whole premiumas described in the 2026 Senior Notes and accrued and unpaid interest up to the redemption date. On or after that date, the Company may redeem all or part of the2026 Senior Notes at any time at a redemption price equal to 100% of the outstanding principal amount of the 2026 Senior Notes to be redeemed, plus accrued andunpaid interest up to the redemption date.\n2032 Senior Notes: In June 2021, the Company issued senior notes with an aggregate principal amount of $350.0 million, which bear interest at a rate of 2.65%per year, mature in January 2032 and were issued at a 0.158% discount to the public (the \u201c2032 Senior Notes\u201d). Interest is payable semi-annually in arrears onJanuary 15 and July 15 of each year, beginning on January 15, 2022. Prior to October 15, 2031, the Company may redeem the 2032 Senior Notes at any time inwhole or from time to time in part at a make-whole premium plus accrued and unpaid interest. On or after that date, the Company may redeem the 2032 Senior Notesat any time in whole or from time to time in part at a redemption price equal to 100% of the principal amount being redeemed plus accrued and unpaid interest.\n2030 Senior Notes: In August 2019, the Company issued senior notes with an aggregate principal amount of $350.0 million, which bear interest at a rate of3.70% per year, mature in February 2030 and were issued at a 0.035% discount to the public (the \u201c2030 Senior Notes\u201d). Interest is payable semi-annually in arrearsbeginning in February 2020. Prior to November 2029, the Company may redeem the 2030 Senior Notes at any time in whole or from time to time in part at a make-whole premium plus accrued and unpaid interest. On or after that date, the Company may redeem the 2030 Senior Notes at any time in whole or from time to time inpart at a redemption price equal to 100% of the principal amount being redeemed plus accrued and unpaid interest.\nIn March 2018, the Company issued the following three series of senior notes with an aggregate principal amount of $900.0 million:\n\u2022 The first series of senior notes was redeemed in advance of the original maturity in March 2021.\n\u2022 2023 Senior Notes: The second series of senior notes of $300.0 million in principal amount with interest at 4.20% per year, matured in September 2023 andwas issued at a 0.233% discount to the public (the \u201c2023 Senior Notes\u201d). Interest on the 2023 Senior Notes was payable semi-annually. In March 2023 andJune 2022, the Company redeemed $175.0 million and $75.0 million, respectively, of the then outstanding aggregate principal amount of the 2023 SeniorNotes at a make-whole premium plus accrued and unpaid interest to the redemption date. In connection with the redemptions, the Company recognized again (loss) on extinguishment of debt of $0.1 million and $(0.9) million for the years ended December 31, 2023 and 2022. In September 2023, theremaining $50.0 million outstanding principal amount was paid upon maturity.\n\u2022 2028 Senior Notes: The third series of senior notes is $300.0 million in principal amount, bears interest at 4.90% per year, matures in March 2028 and wasissued at a 0.383% discount to the public (the \u201c2028 Senior Notes\u201d). Interest on the 2028 Senior Notes is payable semi-annually.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3894, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "10351b5b-ed36-4d7f-a17c-27eb142f54f3": {"__data__": {"id_": "10351b5b-ed36-4d7f-a17c-27eb142f54f3", "embedding": null, "metadata": {"page_label": "133", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "03fe452e-3bc5-43f4-a63b-09798efda0ef", "node_type": "4", "metadata": {"page_label": "133", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "05d9ef54a31c197cf5d9e80956ad71ad13a2e2b3bfd9b97444e57cd3bc9e259e", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "8a82882c-5bf0-4d44-8828-3e5ff11d09a6", "node_type": "1", "metadata": {"page_label": "133", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "95304d8d5c2cbba14c9559aef51e236c2e26c9ac3f0a09c9a0205eed7ce6a642", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Interest on the 2028 Senior Notes is payable semi-annually. Prior to December 2027,the Company may redeem the 2028 Senior Notes at any time in whole or from time to time in part at a make-whole premium plus accrued and unpaidinterest. On or after that date, the Company may redeem the 2028 Senior Notes at any time in whole or from time to time in part at a redemption price equalto 100% of the principal amount being redeemed plus accrued and unpaid interest.\nThe interest rate payable on each of the 2026 Senior Notes, 2028 Senior Notes, 2030 Senior Notes and 2032 Senior Notes will be subject to adjustment fromtime to time, if either Moody\u2019s Investor Service, Inc. (\u201cMoody\u2019s\u201d) or S&P Global Ratings, a division of S&P Global Inc. (\u201cS&P\u201d) downgrades the credit ratingassigned to such series of senior notes to Ba1 or below or to BB+ or below, respectively, or subsequently upgrades the credit ratings once the senior notes are at orbelow such levels. The following table details the increase in interest rate over the issuance rate by rating with the impact equal to the sum of the number of basispoints next to such rating for a maximum increase of 200 basis points over the issuance rate:\nF-57", "mimetype": "text/plain", "start_char_idx": 3835, "end_char_idx": 5033, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "0f14250b-d539-4297-8fc4-f36ea446f5a4": {"__data__": {"id_": "0f14250b-d539-4297-8fc4-f36ea446f5a4", "embedding": null, "metadata": {"page_label": "134", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "7aad8411-2375-4583-b823-4da78848f3ff", "node_type": "4", "metadata": {"page_label": "134", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "96d81e31cc3fe66c629bc71ca3be3f8544b421457c8ee087880090a79c64731f", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "eebf34a3-fdb7-42e0-9486-76a157dd751d", "node_type": "1", "metadata": {}, "hash": "38ace696b5dfca2cce6f80fb97e75ca21e130ab95d423ca412672ed77b9a048f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Rating Agencies\nRating Levels Moody\u2019s (1) S&P (1) Interest Rate Increase (2)\n1 Ba1 BB+ 25 basis points\n2 Ba2 BB 50 basis points\n3 Ba3 BB- 75 basis points\n4 B1 or below B+ or below 100 basis points\n(1) Including the equivalent ratings of any substitute rating agency.(2) Applies to each rating agency individually.\nIn February 2004, the Company issued senior notes with an aggregate principal amount of $475.0 million at a 0.61% discount to the public, which bear interestat 6.75% per year and matures in February 2034. Interest is payable semi-annually. These senior notes are not redeemable prior to maturity. In December 2016 andAugust 2019, the Company completed cash tender offers of $100.0 million each in aggregate principal amount of such senior notes.\nSubordinated Notes\n2061 Subordinated Notes: In November 2020, the Company issued subordinated notes due January 2061 with a principal amount of $250.0 million, which bearinterest at an annual rate of 5.25% (the \u201c2061 Subordinated Notes\u201d). Interest is payable quarterly in arrears beginning in April 2021. On or after January 2026, theCompany may redeem the 2061 Subordinated Notes in whole at any time or in part from time to time, at a redemption price equal to their principal amount plusaccrued and unpaid interest, provided that if they are not redeemed in whole, a minimum amount must remain outstanding. At any time prior to January 2026, theCompany may redeem the 2061 Subordinated Notes in whole but not in part, within 90 days after the occurrence of a tax event, rating agency event or regulatorycapital event as defined in the global note representing the 2061 Subordinated Notes, at a redemption price equal to (i) with respect to a rating agency event, 102% oftheir principal amount and (ii) with respect to a tax event or a regulatory capital event, their principal amount plus accrued and unpaid interest. See below, under2048 Subordinated Notes (as defined below), for more information on terms applicable to both series.\n2048 Subordinated Notes: In March 2018, the Company issued fixed-to-floating rate subordinated notes due March 2048 with principal amount of $400.0million (the \u201c2048 Subordinated Notes\u201d), which bear interest from March 2018 to March 2028 at an annual rate of 7.00%, payable semi-annually. The 2048Subordinated Notes will bear interest at an annual rate equal to three-month LIBOR plus 4.135%, payable quarterly, beginning in June 2028. Under the terms of thedebt agreement, a substitute or successor base rate will be used since the LIBOR base rate has been discontinued. On or after March 2028, the Company may redeemthe 2048 Subordinated Notes in whole at any time or in part from time to time, at a redemption price equal to their principal amount plus accrued and unpaid interest,provided that if they are not redeemed in whole, a minimum amount must remain outstanding. At any time prior to March 2028, the Company may redeem the 2048Subordinated Notes in whole but not in part, within 90 days after the occurrence of a tax event, rating agency event or regulatory capital event as defined in theglobal note representing the 2048 Subordinated Notes, at a redemption price equal to (i) with respect to a rating agency event, 102% of their principal amount and(ii) with respect to a tax event or a regulatory capital event, their principal amount plus accrued and unpaid interest.\nIn addition, so long as no event of default with respect to the 2048 Subordinated Notes and 2061 Subordinated Notes (together, the \u201cSubordinated Notes\u201d) hasoccurred and is continuing, the Company has the right, on one or more occasions, to defer the payment of interest on the Subordinated Notes for one or moreconsecutive interest periods for up to five years as described in the global note representing the Subordinated Notes. During a deferral period, interest will continueto accrue on the Subordinated Notes at the then-applicable interest rate. At any time when the Company has given notice of its election to defer interest payments onthe Subordinated Notes, the Company generally may not make payments on or redeem or purchase any shares of the Company\u2019s capital stock or any of its debtsecurities or guarantees that rank upon the Company\u2019s liquidation on a parity with or junior to the Subordinated Notes, subject to certain limited exceptions.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4336, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "eebf34a3-fdb7-42e0-9486-76a157dd751d": {"__data__": {"id_": "eebf34a3-fdb7-42e0-9486-76a157dd751d", "embedding": null, "metadata": {"page_label": "134", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "7aad8411-2375-4583-b823-4da78848f3ff", "node_type": "4", "metadata": {"page_label": "134", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "96d81e31cc3fe66c629bc71ca3be3f8544b421457c8ee087880090a79c64731f", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "0f14250b-d539-4297-8fc4-f36ea446f5a4", "node_type": "1", "metadata": {"page_label": "134", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "89228fc5e7b12f1877e99b4b3ca89b72c43710e81d45ce1ad0315927bda5f151", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Credit Facility and Commercial Paper Program\nThe Company has a $500.0 million five-year senior unsecured revolving credit facility (the \u201cCredit Facility\u201d) with a syndicate of banks arranged by JPMorganChase Bank, N.A. and Wells Fargo Bank, National Association. The Credit Facility provides for revolving loans and the issuance of multi-bank, syndicated letters ofcredit and letters of credit from a sole issuing bank in an aggregate amount of $500.0 million, which may be increased up to $700.0 million. The Credit Facility isavailable until December 2026, provided the Company is in compliance with all covenants. The Credit Facility has a sublimit for letters of credit issued thereunderof $50.0 million. The proceeds from these loans may be used for the Company\u2019s commercial paper program or for general corporate purposes.\nThe Company made no borrowings using the Credit Facility during the year ended December 31, 2024 and no loans were outstanding as of December 31,2024.\nF-58", "mimetype": "text/plain", "start_char_idx": 4337, "end_char_idx": 5320, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "eb2a2632-d279-44af-92c6-add8d44654c3": {"__data__": {"id_": "eb2a2632-d279-44af-92c6-add8d44654c3", "embedding": null, "metadata": {"page_label": "135", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "25e7a962-180b-44c1-a929-8ddb460bdd2f", "node_type": "4", "metadata": {"page_label": "135", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "dbde375feba2d790da59207a47788b04ba4633ee9846854630e46b78250d9fae", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "e90c20f0-a73c-48fc-b69f-e92dd2cd8825", "node_type": "1", "metadata": {}, "hash": "db7706b967c8d61d3953099a99290c56363a0d86a436c17f5c7a39256567ed2b", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The Company\u2019s commercial paper program requires the Company to maintain liquidity facilities either in an available amount equal to any outstanding notesfrom the program or in an amount sufficient to maintain the ratings assigned to the notes issued from the program. The Company\u2019s commercial paper is rated AMB-1+ by A.M. Best, P-2 by Moody\u2019s and A-2 by S&P. The Company\u2019s subsidiaries do not maintain commercial paper or other borrowing facilities. This program iscurrently backed up by the Credit Facility, of which $500.0 million was available at December 31, 2024.\nThe Company did not use the commercial paper program during the years ended December 31, 2024 or 2023 and there were no amounts relating to thecommercial paper program outstanding as of December 31, 2024 or 2023.\nCovenants\nThe Credit Facility contains restrictive covenants including:\n(i) Maintenance of a maximum consolidated total debt to capitalization ratio on the last day of any fiscal quarter of not greater than 0.35 to 1.0,subject to certain exceptions; and\n(ii) Maintenance of a consolidated adjusted net worth in an amount not less than a \u201cMinimum Amount\u201d equal to the sum of (a) $4.20 billion, (b) 25%of consolidated net income (if positive) for each fiscal quarter ending after December 31, 2021 and (c) 25% of the net cash proceeds received fromany capital contribution to, or issuance of any capital stock, disqualified capital stock and hybrid securities.\nIn the event of a breach of certain covenants, all obligations under the Credit Facility, including unpaid principal and accrued interest and outstandingletters of credit, may become immediately due and payable. \nInterest Rate Derivatives\nFrom time to time, the Company has entered into derivative transactions to hedge the risk associated with changes in interest rates in anticipation of debtissuances. The Company determined that the derivatives qualified for hedge accounting as effective cash flow hedges and recognized deferred gains upon settlementthat were reported through other comprehensive income. The deferred gains are recognized as a reduction in interest expense related to the 2026 Senior Notes, the2028 Senior Notes and the 2048 Subordinated Notes on an effective yield basis. The amortization of the deferred gain was $2.7 million, $2.8 million and $3.1million for the years ended December 31, 2024, 2023 and 2022, respectively. The remaining total deferred gain as of December 31, 2024 and 2023 was $8.1 millionand $10.8 million, respectively.\n19. Equity Transactions \nCommon Stock\nChanges in the number of shares of common stock outstanding are as follows for the periods presented:\n December 31,\n 2024 2023 2022\nShares of common stock outstanding, beginning 51,955,994 52,830,381 55,754,113 \nVested restricted stock and restricted stock units, net (1) 178,120 170,911 179,434 \nIssuance related to performance share units (1) 133,136 142,091 147,546 \nIssuance related to ESPP 115,019 131,815 96,846 \nShares of common stock repurchased (1,548,520) (1,319,204) (3,347,558)\nShares of common stock outstanding, ending 50,833,749 51,955,994 52,830,381 \n(1) Vested restricted stock, restricted stock units and performance share units are shown net of shares of common stock retired to cover participant income tax liabilities.\nThe Company is authorized to issue 800,000,000 shares of common stock. In addition, 150,001 shares of Class B common stock and 400,001 shares of Class Ccommon stock are authorized but have not been issued.\nStock Repurchase\nIn November 2023, the Company\u2019s Board of Directors (the \u201cBoard\u201d) authorized the Company to repurchase up to $600.0 million aggregate cost at purchase ofits outstanding common stock.\nDuring the year ended December 31, 2024, the Company repurchased 1,548,520 shares of the Company\u2019s outstanding common stock at a cost of $299.9million, exclusive of commissions, leaving $374.5 million remaining under the November 2023 repurchase authorization at December 31, 2024.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3970, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "e90c20f0-a73c-48fc-b69f-e92dd2cd8825": {"__data__": {"id_": "e90c20f0-a73c-48fc-b69f-e92dd2cd8825", "embedding": null, "metadata": {"page_label": "135", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "25e7a962-180b-44c1-a929-8ddb460bdd2f", "node_type": "4", "metadata": {"page_label": "135", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "dbde375feba2d790da59207a47788b04ba4633ee9846854630e46b78250d9fae", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "eb2a2632-d279-44af-92c6-add8d44654c3", "node_type": "1", "metadata": {"page_label": "135", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "1ebfbfab4a52b6c07ab83253378957c67039fa75c9fafc81ab5de9fe008a0e93", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "During the yearsended December 31, 2023 and 2022, the Company repurchased 1,319,204 and 3,347,558 shares of the Company\u2019s outstanding common stock at a cost, exclusive ofcommissions, of $200.0 million and $567.6 million, respectively.\nF-59", "mimetype": "text/plain", "start_char_idx": 3971, "end_char_idx": 4210, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "50edb7f6-25cc-417c-9b61-dee88a75c00a": {"__data__": {"id_": "50edb7f6-25cc-417c-9b61-dee88a75c00a", "embedding": null, "metadata": {"page_label": "136", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "e6ef4600-5f38-495a-b5d2-0090946a7491", "node_type": "4", "metadata": {"page_label": "136", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b12d829656fb73eb8e0a3a5dc2fb3f1283f26764ee842163355c9a64005780f6", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The timing and the amount of future repurchases will depend on market conditions, the Company\u2019s financial condition, results of operations and liquidity andother factors.\n20. Stock Based Compensation \nIn accordance with the guidance on share-based compensation, the Company recognized stock-based compensation costs based on the grant date fair value. Forthe years ended December 31, 2024, 2023 and 2022, the Company recognized compensation costs net of a 5% per year estimated forfeiture rate on a pro-rated basisover the remaining vesting period.\nLong-Term Equity Incentive Plan\nUnder the Assurant, Inc. 2017 Long-Term Equity Incentive Plan (the \u201cALTEIP\u201d), as amended and restated in November 2023, the Company is authorized toissue up to 1,840,112 new shares of the Company\u2019s common stock to employees, officers, consultants and non-employee directors. Under the ALTEIP, the Companymay grant awards based on shares of its common stock, including stock options, stock appreciation rights, restricted stock (including performance shares),unrestricted stock, restricted stock units (\u201cRSUs\u201d), performance units (also known as performance share units or \u201cPSUs\u201d) and dividend equivalents. All share-basedgrants are awarded under the ALTEIP.\nThe Compensation and Talent Committee of the Board (the \u201cCompensation Committee\u201d) awards RSUs and PSUs annually. RSUs and PSUs are promises toissue actual shares of common stock at the end of a vesting period or performance period. Under the ALTEIP and the related equity grant policy, the Company\u2019sCEO is authorized by the Board to grant common stock, restricted stock and RSUs to employees other than the Company\u2019s Section 16 officers as CEO EquityAwards and On Cycle ALTEIP Awards. For the CEO Equity Awards, the Compensation Committee recommends total annual funding and the awards are expressedas a dollar amount converted into shares as of each grant date. Restricted stock and RSUs granted under the CEO Equity Awards program may have different vestingperiods.\n Restricted Stock Units\nThe fair value of RSUs is estimated using the fair market value of a share of the Company\u2019s common stock at the date of grant. The RSUs granted toemployees under the ALTEIP are based on salary grade and performance and generally vest one-third each year over a three-year period. RSUs receive dividendequivalents in cash during the restricted period and do not have voting rights during the restricted period. RSUs granted to non-employee directors also vest one-thirdeach year over a three-year period; however, issuance of vested shares and payment of dividend equivalents is deferred until separation from Board service.\nA summary of the Company\u2019s outstanding RSUs is presented below:\nRestricted Stock Units\nWeighted-AverageGrant-DateFair Value\nRestricted stock units outstanding at December 31, 2023 577,617 $ 129.58 \nGrants (1) 192,760 181.54 \nVests (2) (252,910) 134.34 \nForfeitures and adjustments (14,513) 148.72 \nRestricted stock units outstanding at December 31, 2024 502,954 $ 146.56 \nRestricted stock units vested, but deferred at December 31, 2024 71,179 $ 103.86 \n(1) The weighted average grant date fair value for RSUs granted in 2023 and 2022 was $116.76 and $172.46, respectively.(2) The total fair value of RSUs vested was $45.5 million, $29.9 million and $47.0 million for the years ended December 31, 2024, 2023 and 2022, respectively.\nThe following table shows a summary of RSU compensation expense during the years ended December 31, 2024, 2023 and 2022:\nYears Ended December 31,\n2024 2023 2022\nRSU compensation expense $ 33.0 $ 31.7 $ 34.9 \nIncome tax benefit (6.1) (6.0) (6.4)\nRSU compensation expense, net of tax $ 26.9 $ 25.7 $ 28.5 \nF-60", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3694, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "ec165abc-8a59-4eb3-a803-17879a0d9578": {"__data__": {"id_": "ec165abc-8a59-4eb3-a803-17879a0d9578", "embedding": null, "metadata": {"page_label": "137", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "e6913d09-2e67-44fc-9c4b-d13219c1c4ef", "node_type": "4", "metadata": {"page_label": "137", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "17c0b0990e98c83ce59ea409488286dac139fb66779cb89b0435fa3fb25c8f26", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "As of December 31, 2024, there was $19.1 million of unrecognized compensation cost related to outstanding RSUs. That cost is expected to be recognized overa weighted-average period of 0.91 years.\nPerformance Share Units\nThe number of shares of common stock a participant will receive upon vesting of a PSU award is contingent upon the Company\u2019s performance with respect toselected metrics, as identified below. The payout levels can vary between 0% and 200% (maximum) of the target (100%) ALTEIP award amount, based on theCompany\u2019s level of performance against the selected metrics. PSUs accrue dividend equivalents during the performance period based on a target payout and will bepaid in cash at the end of the performance period based on the actual number of shares issued.\nThe Compensation Committee has established two equally weighted performance measures for PSU awards:\n\u2022 Total shareholder return relative to the S&P 500 Index (\u201cmarket condition\u201d), defined as appreciation in the Company\u2019s common stock plus dividend yield tostockholders and will be measured by the performance of the Company relative to the S&P 500 Index over the three-year performance period.\n\u2022 Adjusted earnings per diluted common share, excluding reportable catastrophes (\u201cperformance condition\u201d) is a Company-specific profitability metric and isdefined as the Company\u2019s adjusted earnings, excluding reportable catastrophes, divided by the fully diluted weighted average common shares outstanding.This metric is an absolute metric that is measured against a three-year cumulative target established by the Compensation Committee at the award date andis not tied to the performance of peer companies. Prior to 2023, net operating income per diluted common share, excluding reportable catastrophes, wasused as the company specific profitability metric.\nA summary of the Company\u2019s outstanding PSUs is presented below:\nPerformanceShare Units\nWeighted-AverageGrant-DateFair Value\nPerformance share units outstanding at December 31, 2023 598,755 $ 151.63 \nGrants (1) 188,407 207.00 \nVests (2) (220,055) 147.85 \nPerformance adjustment (3) 28,890 146.19 \nForfeitures and adjustments (10,491) 165.01 \nPerformance share units outstanding at December 31, 2024 585,506 $ 170.44 \n(1) The weighted average grant date fair value for PSUs granted in 2023 and 2022 was $114.91 and $217.33, respectively.(2) The total fair value of PSUs vested was $39.8 million, $25.8 million and $42.8 million for the years ended December 31, 2024, 2023 and 2022, respectively.(3) Represents the change in PSUs issued based upon the attainment of performance goals established by the Company.\nPSU grants above represent initial target awards and do not reflect potential increases or decreases resulting from the Company\u2019s level of performance againstthe selected metrics to be determined at the end of the prospective performance period.\nThe fair value of the performance condition was estimated using the fair market value of a share of the Company\u2019s common stock at the date of grant. The fairvalue of the market condition was estimated on the date of grant using a Monte Carlo simulation model, which utilizes multiple variables that determine theprobability of satisfying the market condition stipulated in the award. Expected volatilities were based on the historical prices of the Company\u2019s common stock andpeer group, the expected term was assumed to equal the average of the vesting period of the PSUs and the risk-free rate was based on the U.S. Treasury yield curvein effect at the time of grant.\n For awards granted during the years ended December 31,\n 2024 2023 2022\nExpected volatility 25.76 % 26.84 % 33.82 %\nExpected term (years) 2.79 2.80 2.80\nRisk free interest rate 4.44 % 3.93 % 2.09 %\nF-61", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3757, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "4742bb4d-3594-4ed4-8363-c748c45f2bb8": {"__data__": {"id_": "4742bb4d-3594-4ed4-8363-c748c45f2bb8", "embedding": null, "metadata": {"page_label": "138", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "8dbb7c11-a6c6-4596-8fc8-f3e233edd6c5", "node_type": "4", "metadata": {"page_label": "138", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f26d60c54770dfa0dc9a69306bbabdad95e6b65ce1550386c81cac2915160c80", "class_name": "RelatedNodeInfo"}, "3": {"node_id": "c3a95041-f64d-4aed-9620-c0830caff2af", "node_type": "1", "metadata": {}, "hash": "8367991d1bd076d97fad7899e6d9501fc60368f1862a23497032ea57058a335a", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The following table shows a summary of PSU compensation expense during the years ended December 31, 2024, 2023 and 2022:\nYears Ended December 31,\n2024 2023 2022\nPSU compensation expense $ 45.4 $ 40.3 $ 24.8 \nIncome tax benefit (6.0) (5.8) (3.7)\nPSU compensation expense, net of tax $ 39.4 $ 34.5 $ 21.1 \nAs of December 31, 2024, there was $37.6 million of unrecognized compensation cost related to outstanding PSUs. That cost is expected to be recognized overa weighted-average period of 0.85 years.\nEmployee Stock Purchase Plan\nUnder the Employee Stock Purchase Plan (the \u201cESPP\u201d), the Company is authorized to issue up to 5,000,000 new shares of common stock to employees whoare participants in the ESPP. The ESPP allows eligible employees to contribute, through payroll deductions, portions of their after-tax compensation in each offeringperiod toward the purchase of shares of the Company\u2019s common stock. There are two offering periods during the year (January 1 through June 30 and July 1 throughDecember 31) and shares of common stock are purchased at the end of each offering period at 90% of the lower of the closing price of the common stock on the firstor last day of the offering period. Participants must be employed on the last trading day of the offering period in order to purchase shares of common stock under theESPP. The maximum number of shares of common stock that can be purchased is 5,000 per employee. Participants\u2019 contributions are limited to a maximumcontribution of $7.5 thousand per offering period, or $15.0 thousand per year.\nThe ESPP is offered to individuals who are scheduled to work a certain number of hours per week, have been continuously employed for at least six months bythe start of the offering period, are not temporary employees (classified as temporary and employed less than 12 months) and have not been on a leave of absence formore than 90 days immediately preceding the offering period.\nIn January 2025, the Company issued 50,763 shares of common stock at a discounted price of $150.20 for the offering period of July 1, 2024 throughDecember 31, 2024. In January 2024, the Company issued 65,049 shares of common stock at a discounted price of $113.26 for the offering period of July 1, 2023through December 31, 2023.\nIn July 2024, the Company issued 49,969 shares of common stock to employees at a discounted price of $149.63 for the offering period of January 1, 2024through June 30, 2024. In July 2023, the Company issued 66,306 shares of common stock to employees at a discounted price of $113.15 for the offering period ofJanuary 1, 2023 through June 30, 2023.\nThe compensation expense recorded related to the ESPP was $2.8 million, $3.1 million and $3.0 million for the years ended December 31, 2024, 2023 and2022, respectively. The related income tax benefit for disqualified disposition was $0.2 million for the year ended December 31, 2024, and 0.1 million for the yearsended December 31, 2023 and 2022.\nThe fair value of each award under the ESPP was estimated at the beginning of each offering period using the Black-Scholes option-pricing model andassumptions in the table below. Expected volatilities are based on implied volatilities from traded options on the Company\u2019s common stock and the historicalvolatility of the Company\u2019s common stock. The risk-free rate for periods within the contractual life of the option is based on the U.S. Treasury yield curve in effect atthe time of grant. The dividend yield is based on the current annualized dividend and common stock price as of the grant date.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3559, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "c3a95041-f64d-4aed-9620-c0830caff2af": {"__data__": {"id_": "c3a95041-f64d-4aed-9620-c0830caff2af", "embedding": null, "metadata": {"page_label": "138", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "8dbb7c11-a6c6-4596-8fc8-f3e233edd6c5", "node_type": "4", "metadata": {"page_label": "138", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f26d60c54770dfa0dc9a69306bbabdad95e6b65ce1550386c81cac2915160c80", "class_name": "RelatedNodeInfo"}, "2": {"node_id": "4742bb4d-3594-4ed4-8363-c748c45f2bb8", "node_type": "1", "metadata": {"page_label": "138", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "4f901c6528790678e41b773edc8e8d887f4ae4093749629eb762cb825402a167", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "For awards issued during the years ended December 31,\n  2024 2023 2022\nExpected volatility 19.60 - 23.95% 28.57 - 31.63% 20.96 - 25.05%\nRisk free interest rates 5.24 - 5.37% 4.77 - 5.53% 0.22 - 2.52%\nDividend yield 1.68 - 1.71% 2.18 - 2.20% 1.54 - 1.73%\nExpected term (years) 0.5 0.5 0.5\nNon-Stock Based Incentive Plans\nDeferred Compensation\nThe Company\u2019s deferred compensation programs consist of the AIP, the ASIC and the ADC. The AIP and the ASIC provided key employees the ability toexchange a portion of their compensation for options to purchase certain third-party mutual funds. The AIP and the ASIC were frozen in December 2004 and noadditional contributions can be made to either the AIP or the ASIC. Effective March 1, 2005 and amended and restated on January 1, 2025, the ADC Plan wasestablished in\nF-62", "mimetype": "text/plain", "start_char_idx": 3561, "end_char_idx": 4375, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "21349d68-d5e7-4586-87b3-8a00f9d25daf": {"__data__": {"id_": "21349d68-d5e7-4586-87b3-8a00f9d25daf", "embedding": null, "metadata": {"page_label": "139", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "5d77f75e-8c5a-4ded-888a-ca6e07341ff4", "node_type": "4", "metadata": {"page_label": "139", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ad989b01784763fb53885d7a8f77d67bf63547fd9201ec99aff11460cda39193", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "order to comply with the American Jobs Creation Act of 2004 (the \u201cJobs Act\u201d) and Section 409A of the Internal Revenue Code of 1986, as amended (the \u201cIRC\u201d).The ADC provides key employees the ability to defer a portion of their eligible compensation to be notionally invested in a variety of mutual funds. Deferrals andwithdrawals under the ADC are intended to be fully compliant with the Jobs Act definition of eligible compensation and distribution requirements.\n21. Accumulated Other Comprehensive Income\nCertain amounts included in the consolidated statements of comprehensive income are net of reclassification adjustments. The following tables summarizethose reclassification adjustments (net of taxes) for the periods indicated: \n Year Ended December 31, 2024\n \nForeigncurrencytranslationadjustment\nNet unrealizedlosses oninvestments Net unrealized gains onderivative transactions Unamortized net losseson Pension Plans\nAccumulatedothercomprehensiveloss\nBalance at December 31, 2023 $ (351.9) $ (305.5) $ 8.5 $ (116.1) $ (765.0)\nChange in accumulated other comprehensiveincome (loss) before reclassifications (63.3) (43.0) \u2014 (13.4) (119.7)\nAmounts reclassified from accumulated othercomprehensive income (loss) \u2014 56.6 (6.3) (1.7) 48.6 \nNet current-period other comprehensive income(loss) (63.3) 13.6 (6.3) (15.1) (71.1)\nBalance at December 31, 2024 $ (415.2) $ (291.9) $ 2.2 $ (131.2) $ (836.1)\n Year Ended December 31, 2023\n \nForeigncurrencytranslationadjustment\nNet unrealizedlosses oninvestments Net unrealized gains onderivative transactions Unamortized net losseson Pension Plans\nAccumulatedothercomprehensiveloss\nBalance at December 31, 2022 $ (394.0) $ (513.2) $ 9.8 $ (88.8) $ (986.2)\nChange in accumulated other comprehensiveincome (loss) before reclassifications 42.1 171.9 (0.6) (17.6) 195.8 \nAmounts reclassified from accumulated othercomprehensive income (loss) \u2014 35.8 (0.7) (9.7) 25.4 \nNet current-period other comprehensive income(loss) 42.1 207.7 (1.3) (27.3) 221.2 \nBalance at December 31, 2023 $ (351.9) $ (305.5) $ 8.5 $ (116.1) $ (765.0)\n Year Ended December 31, 2022\n \nForeigncurrencytranslationadjustment\nNet unrealizedgains (losses) onsecurities Net unrealized gains onderivative transactions Unamortized net losseson Pension Plans\nAccumulatedothercomprehensiveloss\nBalance at December 31, 2021 $ (326.9) $ 256.6 $ 12.4 $ (92.1) $ (150.0)\nChange in accumulated other comprehensiveincome (loss) before reclassifications (67.1) (808.7) \u2014 9.0 (866.8)\nAmounts reclassified from accumulated othercomprehensive income (loss) \u2014 38.9 (2.6) (5.7) 30.6 \nNet current-period other comprehensive income(loss) (67.1) (769.8) (2.6) 3.3 (836.2)\nBalance at December 31, 2022 $ (394.0) $ (513.2) $ 9.8 $ (88.8) $ (986.2)\nF-63", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2735, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "67605d03-6a7f-4995-af4a-999a23409bd9": {"__data__": {"id_": "67605d03-6a7f-4995-af4a-999a23409bd9", "embedding": null, "metadata": {"page_label": "140", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "c7f54ab1-b171-4beb-bb07-956dcccea0de", "node_type": "4", "metadata": {"page_label": "140", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "476ae61d63cb46a5a446dca72a7d1d71e760f724051f185dcfcb3966b638c60d", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The following tables summarize the reclassifications out of AOCI for the periods indicated.\nDetails about AOCI components Amount reclassified from AOCI Affected line item in the statement wherenet income is presented\n Years Ended December 31,  \n 2024 2023 2022  \nNet unrealized losses on investments $ 71.6 $ 45.3 $ 49.2 \nNet realized losses on investments and fair valuechanges to equity securities\n(15.0) (9.5) (10.3) Provision for income taxes\n$ 56.6 $ 35.8 $ 38.9 Net of tax\nNet unrealized (gains) losses on derivativetransactions related to:\nInterest rate derivatives $ (2.8) $ (3.4) $ (3.2) Interest expense\nForeign exchange derivatives (5.2) 2.5 \u2014 Underwriting, selling, general and administrativeexpenses\n(8.0) (0.9) (3.2)\n1.7 0.2 0.6 Provision for income taxes\n$ (6.3) $ (0.7) $ (2.6) Net of tax\nAmortization of pension and postretirementunrecognized net periodic benefit cost:\nAmortization of net loss $ 1.2 $ 1.0 $ 4.4 (1)\nAmortization of prior service credit (13.5) (13.5) (13.5) (1)\nSettlement loss 10.2 0.2 1.9 (1)\n(2.1) (12.3) (7.2)\n0.4 2.6 1.5 Provision for income taxes\n$ (1.7) $ (9.7) $ (5.7) Net of tax\nTotal reclassifications for the period $ 48.6 $ 25.4 $ 30.6 Net of tax\n(1) These AOCI components are included in the computation of net periodic pension cost. See Note 23 for additional information.\n22. Statutory Information\nThe Company\u2019s insurance subsidiaries prepare financial statements in accordance with Statutory Accounting Principles (\u201cSAP\u201d) prescribed or permitted by theinsurance departments of their states of domicile. Prescribed SAP includes the Accounting Practices and Procedures Manual of the National Association of InsuranceCommissioners (\u201cNAIC\u201d) as well as state laws, regulations and administrative rules.\nThe principal differences between SAP and GAAP are: (1) policy acquisition costs are expensed as incurred under SAP, but are deferred and amortized underGAAP; (2) VOBA is not capitalized under SAP but is under GAAP; (3) the classification and carrying amounts of investments in certain securities are differentunder SAP than under GAAP; (4) the criteria for providing asset valuation allowances, and the methodologies used to determine the amounts thereof, are differentunder SAP than under GAAP; (5) the timing of establishing certain reserves, and the methodologies used to determine the amounts thereof, are different under SAPthan under GAAP; (6) certain assets are not admitted for purposes of determining surplus under SAP; (7) methodologies used to determine the amounts of deferredtaxes, intangible assets and goodwill are different under SAP than under GAAP; and (8) the criteria for obtaining reinsurance accounting treatment is different underSAP than under GAAP, and SAP allows net presentation of insurance reserves and reinsurance recoverables.\nF-64", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2811, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "eb5c2bca-7286-4be3-9f3d-469c18cc2935": {"__data__": {"id_": "eb5c2bca-7286-4be3-9f3d-469c18cc2935", "embedding": null, "metadata": {"page_label": "141", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "ac7bc0c7-4e51-4164-a073-6ff8587b33e5", "node_type": "4", "metadata": {"page_label": "141", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "1ac633012b81129ecaa363135384b5a3ce98a37bbb1aa7f048b8c1eefc313333", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The combined statutory net income, excluding intercompany dividends and surplus note interest, and capital and surplus of the Company\u2019s U.S. domiciledstatutory insurance subsidiaries is as follows: \n Years Ended December 31,\n 2024 2023 2022\nProperty and casualty companies $ 546.0 $ 529.4 $ 283.5 \nLife and health companies 22.2 13.7 20.0 \nTotal statutory net income $ 568.2 $ 543.1 $ 303.5 \n December 31,\n 2024 2023\nProperty and casualty companies $ 1,642.8 $ 1,461.4 \nLife and health companies 85.5 87.6 \nTotal statutory capital and surplus $ 1,728.3 $ 1,549.0 \nThe Company also has non-insurance subsidiaries and foreign insurance subsidiaries that are not subject to SAP. The statutory net income and statutory capitaland surplus amounts presented above do not include non-insurance subsidiaries and foreign insurance subsidiaries in accordance with SAP.\nInsurance enterprises are required by state insurance departments to adhere to minimum risk-based capital (\u201cRBC\u201d) requirements developed by the NAIC. TheCompany\u2019s insurance subsidiaries expect to exceed minimum RBC requirements as of December 31, 2024. In addition, all of our rated insurance subsidiariescurrently maintain an A.M. Best financial strength rating of A.\nThe payment of dividends to the Company by any of the Company\u2019s regulated U.S domiciled insurance subsidiaries in excess of a certain amount (i.e.,extraordinary dividends) must be approved by the subsidiary\u2019s domiciliary jurisdiction department of insurance. Ordinary dividends, for which no regulatoryapproval is generally required, are limited to amounts determined by a formula, which varies by jurisdiction. The formula for the majority of the jurisdictions inwhich the Company\u2019s subsidiaries are domiciled is based on the prior year\u2019s statutory net income or 10% of the statutory surplus as of the end of the prior year.Some jurisdictions limit ordinary dividends to the greater of these two amounts, others limit them to the lesser of these two amounts and some jurisdictions excludeprior year realized capital gains from prior year net income in determining ordinary dividend capacity. Some jurisdictions have an additional stipulation thatdividends may only be paid out of earned surplus. If insurance regulators determine that payment of an ordinary dividend or any other payments by the Company\u2019sinsurance subsidiaries to the Company (such as payments under a tax sharing agreement or payments for employee or other services) would be adverse topolicyholders or creditors, the regulators may block such payments that would otherwise be permitted without prior approval. Based on the dividend restrictionsunder applicable laws and regulations, the maximum amount of dividends that the Company\u2019s U.S. domiciled insurance subsidiaries could pay to the Company in2025 without regulatory approval is approximately $524.2 million. No assurance can be given that there will not be further regulatory actions restricting the abilityof the Company\u2019s insurance subsidiaries to pay dividends.\n23. Retirement and Other Employee Benefits\nDefined Benefit Plans\nThe Company and its subsidiaries participate in a non-contributory, qualified defined benefit pension plan (\u201cAssurant Pension Plan\u201d) covering substantially allemployees. The Assurant Pension Plan is considered \u201cqualified\u201d because it meets the requirements of IRC Section 401(a) (\u201cIRC 401(a)\u201d) and the EmployeeRetirement Income Security Act of 1974, as amended (\u201cERISA\u201d). The Assurant Pension Plan is a pension equity plan with a grandfathered final average earningsplan for a certain group of employees. Benefits are based on certain years of service and the employee\u2019s compensation during certain such years of service. TheCompany\u2019s funding policy is to contribute amounts to the Assurant Pension Plan sufficient to meet the minimum funding requirements in ERISA, plus suchadditional amounts as the Company may determine to be appropriate from time to time up to the maximum permitted. The funding policy considers several factorsto determine such additional amounts, including items such as the amount of service cost plus 15% of the Assurant Pension Plan deficit and the capital position ofthe Company. During the year ended December 31, 2024, there were no contributions to the Assurant Pension Plan. Due to the Assurant Pension Plan\u2019s currentfunding status, no contributions to the Assurant Pension Plan are expected during the year ending December 31, 2025. Assurant Pension Plan assets are maintained ina separate trust. Assurant Pension Plan assets and benefit obligations are measured as of December 31, 2024.\nThe Company also has various non-contributory, non-qualified supplemental plans covering certain employees including the Assurant Executive Pension Planand the Assurant Supplemental Executive Retirement Plan (the \u201cSERP\u201d). Since these\nF-65", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4842, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "ec85e510-cbea-4aad-90e6-d4fb6e9c6352": {"__data__": {"id_": "ec85e510-cbea-4aad-90e6-d4fb6e9c6352", "embedding": null, "metadata": {"page_label": "142", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a1a1159a-7524-4920-8795-4ccad9e45a13", "node_type": "4", "metadata": {"page_label": "142", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "bf4a5f5bd420fbf9024f6f6bb2cc736e24bca5e0de1470729e97223278ad43fa", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "plans are \u201cnon-qualified\u201d they are not subject to the requirements of IRC 401(a) and ERISA. As such, the Company is not required, and does not, fund these plans.The qualified and non-qualified plans are referred to as \u201cPension Benefits\u201d unless otherwise noted. The Company has the right to modify or terminate these benefits;however, the Company will not be relieved of its obligation to plan participants for their vested benefits.\nIn addition, the Company provides certain health care benefits (\u201cRetirement Health Benefits\u201d) and life benefits for retired employees and their dependents. OnJuly 1, 2011, the Company terminated certain Retirement Health Benefits for employees who did not qualify for \u201cgrandfathered\u201d status and no longer offers thesebenefits to new hires. The Company contribution, plan design and other terms of the remaining benefits did not change for those grandfathered employees. TheCompany has the right to modify or terminate these benefits.\nEffective January 1, 2014, the Pension Benefits plans were closed to new hires. Effective March 1, 2016, the Pension Benefits, Retirement Health Benefits andlife benefits (together, the \u201cPlans\u201d) were amended such that no additional benefits will be earned after February 29, 2016.\nIn February 2020, the Company amended the Retirement Health Benefits to terminate effective December 31, 2024 (the \u201cTermination Date\u201d). Benefits will bepaid through the Termination Date. The Retirement Health Benefits obligations were remeasured using a discount rate of 1.55%, selected based on a cash flowanalysis using a bond yield curve as of February 29, 2020, and the fair market value of the Retirement Health Benefits assets as of February 29, 2020. Theremeasurement resulted in a reduction to the Retirement Health Benefits obligations of $65.6 million and a corresponding prior service credit in AOCI. This priorservice credit has been fully amortized in the net periodic benefit cost as of December 31, 2024.\nThe following table presents information on the Plans for the periods indicated:\n Pension Benefits Retirement Health Benefits\n 2024 2023 2024 2023\nChange in projected benefit obligation\nProjected benefit obligation at beginning of year $ (599.8) $ (598.5) $ (4.9) $ (9.9)\nInterest cost (28.9) (30.5) (0.2) (0.4)\nActuarial gain 49.5 (15.8) (0.5) 0.3 \nBenefits paid 35.1 45.0 4.7 5.1 \nProjected benefit obligation at end of year $ (544.1) $ (599.8) $ (0.9) $ (4.9)\nChange in plan assets\nFair value of plan assets at beginning of year $ 636.7 $ 641.8 $ 26.0 $ 29.4 \nActual return on plan assets 11.2 35.9 0.3 1.5 \nEmployer contributions 4.7 5.4 0.2 0.2 \nSettlements (34.3) \u2014 \u2014 \u2014 \nBenefits paid (including administrative expenses) (37.0) (46.4) (4.7) (5.1)\nNet transfer in/(out) (including effect of any businesscombinations/divestitures) \u2014 \u2014 (21.8) \u2014 \nFair value of plan assets at end of year $ 581.3 $ 636.7 $ \u2014 $ 26.0 \nFunded status at end of year $ 37.2 $ 36.9 $ (0.9) $ 21.1 \nIn accordance with the guidance on retirement benefits, the Company aggregates the results of the qualified and non-qualified plans as \u201cPension Benefits\u201d andis required to disclose the aggregate projected benefit obligation, accumulated benefit obligation and fair value of plan assets, if the obligations within those plansexceed plan assets.\nF-66", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3293, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "277f39c4-d021-441d-98c2-d58e74a37584": {"__data__": {"id_": "277f39c4-d021-441d-98c2-d58e74a37584", "embedding": null, "metadata": {"page_label": "143", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "17b1bc73-4dff-4fc0-8d1b-f95a2b4c2c83", "node_type": "4", "metadata": {"page_label": "143", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e21a5edd9b2c0a2094755f45f4fbcfb466b4c1e4a50320c91654b4d9756b5ccd", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "As of December 31, 2024 and 2023, the fair value of plan assets, projected benefit obligation, funded status at end of year and the accumulated benefitobligation of Pension Benefits were as follows:\n Qualified Pension Benefits Unfunded NonqualifiedPension Benefits Total Pension Benefits\n 2024 2023 2024 2023 2024 2023\nFair value of plan assets $ 581.3 $ 636.7 $ \u2014 $ \u2014 $ 581.3 $ 636.7 \nProjected benefit obligation (497.2) (550.1) (46.9) (49.7) (544.1) (599.8)\nFunded status at end of year $ 84.1 $ 86.6 $ (46.9) $ (49.7) $ 37.2 $ 36.9 \nAccumulated benefit obligation $ 497.2 $ 550.1 $ 46.9 $ 49.7 $ 544.1 $ 599.8 \n  \nAmounts recognized in the consolidated balance sheets consist of:\n Pension Benefits Retirement Health Benefits\n 2024 2023 2024 2023\nAssets $ 84.1 $ 86.6 $ \u2014 $ 21.1 \nLiabilities $ (46.9) $ (49.7) $ (0.9) $ \u2014 \n \nAmounts recognized in AOCI consist of: \n Pension Benefits Retirement Health Benefits\n 2024 2023 2022 2024 2023 2022\nNet (loss) gain $ (162.7) $ (158.5) $ (137.5) $ (3.3) $ (1.8) $ (2.1)\nPrior service (cost) credit (0.3) (0.3) (0.4) \u2014 13.4 27.2 \n$ (163.0) $ (158.8) $ (137.9) $ (3.3) $ 11.6 $ 25.1 \nComponents of net periodic benefit cost, recorded in underwriting, selling, general and administrative expenses in the consolidated statements of operations,and other amounts recognized in AOCI for the years ended December 31, 2024, 2023, and 2022 were as follows: \n Pension Benefits Retirement Health Benefits\n 2024 2023 2022 2024 2023 2022\nNet periodic benefit cost\nInterest cost $ 28.9 $ 30.5 $ 18.0 $ 0.2 $ 0.4 $ 0.1 \nExpected return on plan assets (40.1) (40.9) (27.5) (1.3) (1.5) (1.4)\nAmortization of prior service credit (cost) \u2014 \u2014 0.1 (13.6) (13.6) (13.6)\nAmortization of net loss (gain) 1.2 1.0 5.1 \u2014 \u2014 (0.7)\nCurtailment/settlement loss 10.2 0.2 1.9 \u2014 \u2014 \u2014 \nNet periodic benefit cost $ 0.2 $ (9.2) $ (2.4) $ (14.7) $ (14.7) $ (15.6)\nOther changes in plan assets and benefit obligationsrecognized in accumulated other comprehensive income\nNet (gain) loss 15.5 22.2 (18.6) 1.5 (0.2) 7.6 \nAmortization of prior service (cost) credit \u2014 \u2014 (0.1) 13.6 13.6 13.6 \nAmortization of net (loss) gain (11.3) (1.2) (7.0) \u2014 \u2014 0.7 \nTotal recognized in accumulated other comprehensive(loss) income $ 4.2 $ 21.0 $ (25.7) $ 15.1 $ 13.4 $ 21.9 \nTotal recognized in net periodic benefit cost and othercomprehensive (loss) income $ 4.4 $ 11.8 $ (28.1) $ 0.4 $ (1.3) $ 6.3 \nThe Company uses a five-year averaging method to determine the market-related value of Pension Benefits plan assets, which is used to calculate the expectedreturn of plan assets component of the Plans\u2019 expense. Under this methodology, asset gains/losses that result from actual returns which differ from the Company\u2019sexpected long-term rate of return on assets\nF-67", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2751, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "2913aa67-0b31-4354-b26f-9b2b7ac4d7ef": {"__data__": {"id_": "2913aa67-0b31-4354-b26f-9b2b7ac4d7ef", "embedding": null, "metadata": {"page_label": "144", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a0eb6fdf-9944-40b7-a614-777b8e42b464", "node_type": "4", "metadata": {"page_label": "144", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e90f336d086a486650903176208895b44050a8efde00278ae0f39d0c879b7a43", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "assumption are recognized in the market-related value of assets on a level basis over a five-year period. The difference between actual as compared to expected assetreturns for the Plans will be fully reflected in the market-related value of plan assets over the next five years using the methodology described above. Other post-employment benefit assets under the Retirement Health Benefits are valued at fair value.\nDetermination of the projected benefit obligation was based on the following weighted-average assumptions for the years ended December 31, 2024, 2023 and2022: \n Qualified Pension Benefits Unfunded Nonqualified Pension Benefits Retirement Health Benefits\n 2024 2023 2022 2024 2023 2022 2024 2023 2022\nDiscount rate 5.60 % 5.14 % 5.42 % 5.51 % 5.11 % 5.42 % 5.69 % 5.63 % 5.36 %\nDetermination of the net periodic benefit cost was based on the following weighted-average assumptions for the years ended December 31, 2024, 2023 and2022: \n Qualified Pension Benefits Unfunded Nonqualified Pension Benefits Retirement Health Benefits\n 2024 2023 2022 2024 2023 2022 2024 2023 2022\nDiscount rates:\nEffective discount rate for benefit obligations 5.14 % 5.42 % 2.79 % 5.11 % 5.42 % 2.68 % 5.24 % 5.36 % 1.08 %\nEffective rate for interest on benefit obligations 5.07 % 5.34 % 2.30 % 5.04 % 5.33 % 2.05 % 5.86 % 5.37 % 1.02 %\nExpected long-term return on plan assets 5.70 % 5.70 % 3.65 % \u2014 % \u2014 % \u2014 % 5.70 % 5.70 % 3.65 %\nThe selection of the Company\u2019s discount rate assumption reflects the rate at which the Plans\u2019 obligations could be effectively settled at December 31, 2024,2023 and 2022. The methodology for selecting the discount rate was to match each Plan\u2019s cash flows to that of a yield curve that provides the equivalent yields onzero-coupon corporate bonds for each maturity. The yield curve utilized in the cash flow analysis was comprised of 341 bonds rated AA by either Moody\u2019s or S&P\u2019swith maturities between zero and 30 years. The discount rate for each Plan is the single rate that produces the same present value of cash flows. The Companyutilizes a split rate approach for purposes of determining the benefit obligations and service cost as well as a spot rate approach for the calculation of interest on theseitems in the determination of the net periodic benefit cost.\nTo develop the expected long-term rate of return on assets assumption, the Company considered the current level of expected returns on risk free investments(primarily government bonds), the historical level of the risk premium associated with the other asset classes in which the portfolio is invested and the expectationsfor future returns of each asset class. The expected long-term rate of return on Plan assets reflects the average rate of earnings expected on the funds invested or to beinvested. The expected return for each asset class was then weighted based on the targeted asset allocation to develop the expected long-term rate of return on assetassumptions for the portfolio. The Company believes the current assumption reflects the projected return on the invested assets, given the current market conditionsand the modified portfolio structure. Actual return (loss) on Plan assets was 1.7%, 5.6% and (16.9)% for the years ended December 31, 2024, 2023 and 2022respectively.\nF-68", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3288, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "abeffe5b-cd08-42db-ac8f-1b5dd647d79f": {"__data__": {"id_": "abeffe5b-cd08-42db-ac8f-1b5dd647d79f", "embedding": null, "metadata": {"page_label": "145", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "bf7f3b10-9604-4fc9-883d-9200b1c89b94", "node_type": "4", "metadata": {"page_label": "145", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "da3c826f09d435e4c03693aae29ee2b6696784d4d01fc9f68245104015669256", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The assumed health care cost trend rates used in measuring the accumulated postretirement benefit obligation and net periodic benefit cost were as follows: \n Retirement Health Benefits\n 2024 2023 2022\nHealth care cost trend rate assumed for next year (1):\nPre-65 Non-reimbursement Plan N/A 5.6% 5.4%\nPost-65 Non-reimbursement Plan (Medical) N/A 4.0% 4.2%\nPost-65 Non-reimbursement Plan (Rx) N/A 7.0% 6.6%\nPre-65 Reimbursement Plan N/A 5.5% 5.4%\nPost-65 Reimbursement Plan N/A 5.5% 5.4%\nRate to which the cost trend rate is assumed to decline (the ultimate trend rate) (1) N/A 4.0% 4.0%\nYear that the rate reaches the ultimate trend rate (1)\nPre-65 Non-reimbursement Plan N/A 2045 2045\nPost-65 Non-reimbursement Plan (Medical & Rx) N/A 2045 2045\nPre-65 Reimbursement Plan N/A 2045 2045\nPost-65 Reimbursement Plan N/A 2045 2045\n(1) The Retirement Health Benefits Plan terminated effective December 31, 2024. Since the plan has terminated, there are no costs to bring forward to the following year so none of the trend rates areapplicable for 2024.\nThe assets of the Plans are managed to maximize their long-term pre-tax investment return, subject to the following dual constraints: minimization of requiredcontributions and maintenance of solvency requirements. It is anticipated that periodic contributions to the Plans will, for the foreseeable future, be sufficient to meetbenefit payments thus allowing the balance to be managed according to a long-term approach. The Benefit Plans Investment Committee (\u201cBPIC\u201d) for the Plansmeets on a quarterly basis and reviews the re-balancing of existing fund assets and the asset allocation of new fund contributions.\nThe goal of the Company\u2019s asset strategy is to ensure that the growth in the value of the Plans\u2019 assets over the long-term, both in real and nominal terms,manages (controls) risk exposure. Risk is managed by investing in a broad range of asset classes, and within those asset classes, a broad range of individualsecurities. Diversification by asset classes stabilizes total results over short-term time periods. Each asset class is externally managed by outside investmentmanagers appointed by the BPIC. Derivatives may be used consistent with the Plans\u2019 investment objectives established by the BPIC. All securities must be U.S.Dollar denominated.\nThe BPIC oversees the investment of the Plans\u2019 assets and periodically reviews the investment strategies, strategic asset allocation, liabilities and portfoliostructure of the assets. After a 2017 review and considering the funded status of the Assurant Pension Plan, the BPIC transitioned plan assets to a new target assetallocation consisting of 80% fixed income, 10% real estate, 5% hedge funds and 5% equities.\nThe assets of the Plans are primarily invested in fixed maturity securities. Interest rate risk is hedged by aligning the duration of the fixed maturity securitieswith the duration of the liabilities. Specifically, interest rate swaps can be used if needed to synthetically extend the duration of fixed maturity securities to match theduration of the liabilities, as measured on a projected benefit obligation basis. In addition, the Plans\u2019 fixed income securities have exposure to credit risk. In order toadequately diversify and limit exposure to credit risk, the BPIC established parameters which include a limit on the asset types that managers are permitted topurchase, maximum exposure limits by sector and by individual issuer (based on asset quality) and minimum required ratings on individual securities. As ofDecember 31, 2024, 87% of plan assets were invested in fixed maturity securities and 18%, 17% and 11% of those securities were concentrated in the energy andpower, finance and real estate, and communication industries, respectively, with no exposure to any single creditor in excess of 4%, 5% and 13% of those industries,respectively. As of December 31, 2024, 5% of plan assets were invested in equity securities and 100% of the Plans\u2019 equity securities were invested in a mutual fundthat attempts to replicate the return of the S&P 500 Index by investing its assets in large capitalization stocks that are included in the S&P 500 Index using aweighting similar to the S&P 500 Index. The remainder of the assets are invested in real estate and other alternative assets.\nF-69", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4316, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "aff25868-9539-4acb-809c-9d5a95f8fd09": {"__data__": {"id_": "aff25868-9539-4acb-809c-9d5a95f8fd09", "embedding": null, "metadata": {"page_label": "146", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "ce757543-a7dd-44e5-a45a-dc1303fa4dea", "node_type": "4", "metadata": {"page_label": "146", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "62d68c91c38c12dd7d60b6cf0116a89feb5793759ce165bdc0da712ab34bb04c", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The fair value hierarchy for the Company\u2019s qualified pension plan and other postretirement benefit plan assets at December 31, 2024 by asset category, is asfollows:\nQualified Pension Benefits December 31, 2024\nFinancial Assets Total Level 1 Level 2\nCash equivalents:\nShort-term investment funds $ 7.8 $ \u2014 $ 7.8 \nEquity securities:\nMutual funds - U.S. listed large cap 29.2 29.2 \u2014 \nFixed maturity securities:\nU.S. & foreign government and government agencies and authorities 144.0 \u2014 144.0 \nCorporate - U.S. & foreign investment grade 334.7 \u2014 334.7 \nCorporate - U.S. & foreign high yield 10.9 \u2014 10.9 \nMutual funds - U.S. investment grade 14.4 14.4 \u2014 \nOther investments measured at net asset value (1) 106.6 \u2014 \u2014 \nTotal financial assets (2) $ 647.6 $ 43.6 $ 497.4 \n(1) In accordance with fair value measurements and disclosures guidance, certain investments that are measured at fair value using the net asset value practical expedient have not been classified in thefair value hierarchy. The net asset values of $46.9 million, $4.7 million and $55.0 million as of December 31, 2024 are used as a practical expedient to fair value of the multi-strategy hedge fund,private equity fund and real estate fund, respectively.(2) The difference between the fair value of Plan assets above and the amount used in determining the funded status is due to interest receivable and net receivable/payable for unsettled trades, which isnot required to be included in the fair value hierarchy.\nRetirement Health Benefits December 31, 2024\nFinancial Assets Total  Level 1 Level 2\nCash equivalents:\nShort-term investment funds $ \u2014 $ \u2014 $ \u2014 \nEquity securities:\nMutual funds - U.S. listed large cap \u2014 \u2014 \u2014 \nFixed maturity securities:\nU.S. & foreign government and government agencies and authorities \u2014 \u2014 \u2014 \nCorporate - U.S. & foreign investment grade \u2014 \u2014 \u2014 \nCorporate - U.S. & foreign high yield \u2014 \u2014 \u2014 \nOther investments measured at net asset value \u2014 \u2014 \u2014 \nTotal financial assets (1) $ \u2014 $ \u2014 $ \u2014 \n(1) The Retirement Health Benefits Plan terminated effective December 31, 2024. In accordance with the change in plan assets shown above, this table reflects the net transfer out of plan assets.\nF-70", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2170, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "545abe8e-b8d7-4670-996f-88277441a264": {"__data__": {"id_": "545abe8e-b8d7-4670-996f-88277441a264", "embedding": null, "metadata": {"page_label": "147", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "4eace98a-607a-4451-81f9-fda72070e4c9", "node_type": "4", "metadata": {"page_label": "147", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "89922fb1de87bfa3e1e20ea54b0d87f3c5078945adfd5898f0144f2d5537e70f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The fair value hierarchy for the Company\u2019s qualified pension plan and other postretirement benefit plan assets at December 31, 2023 by asset category, is asfollows: \nQualified Pension Benefits December 31, 2023\nFinancial Assets Total  Level 1 Level 2\nCash and cash equivalents:\nShort-term investment funds $ 13.9 $ \u2014 $ 13.9 \nEquity securities:\nPreferred stock 1.0 1.0 \u2014 \nMutual funds - U.S. listed large cap 35.2 35.2 \u2014 \nFixed maturity securities:\nU.S. & foreign government and government agencies and authorities 164.1 \u2014 164.1 \nCorporate - U.S. & foreign investment grade 344.1 \u2014 344.1 \nCorporate - U.S. & foreign high yield 14.0 \u2014 14.0 \nOther investments measured at net asset value (1) 111.8 \u2014 \u2014 \nTotal financial assets (2) $ 684.1 $ 36.2 $ 536.1 \n(1) In accordance with fair value measurements and disclosures guidance, certain investments that are measured at fair value using the net asset value practical expedient have not been classified in thefair value hierarchy. The net asset values of $41.6 million, $5.9 million and $64.3 million as of December 31, 2023 are used as a practical expedient to fair value of the multi-strategy hedge fund,private equity fund and real estate fund, respectively.(2) The difference between the fair value of Plan assets above and the amount used in determining the funded status is due to interest receivable and net receivable/payable for unsettled trades, which isnot required to be included in the fair value hierarchy.\nRetirement Health Benefits December 31, 2023\nFinancial Assets Total  Level 1 Level 2\nCash and cash equivalents:\nShort-term investment funds $ 0.6 $ \u2014 $ 0.6 \nEquity securities:\nMutual funds - U.S. listed large cap 1.4 1.4 \u2014 \nFixed maturity securities:\nU.S. & foreign government and government agencies and authorities 6.7 \u2014 6.7 \nCorporate - U.S. & foreign investment grade 14.0 \u2014 14.0 \nCorporate - U.S. & foreign high yield 0.6 \u2014 0.6 \nOther investments measured at net asset value (1) 4.6 \u2014 \u2014 \nTotal financial assets (2) $ 27.9 $ 1.4 $ 21.9 \n(1) In accordance with fair value measurements and disclosures guidance, certain investments that are measured at fair value using the net asset value practical expedient have not been classified in thefair value hierarchy. The net asset values of $1.7 million, $0.3 million and $2.6 million as of December 31, 2023 are used as a practical expedient to fair value of the multi-strategy hedge fund, privateequity fund and real estate fund, respectively.(2) The difference between the fair value of Plan assets above and the amount used in determining the funded status is due to interest receivable and net receivable/payable for unsettled trades, which isnot required to be included in the fair value hierarchy.\nLevel 1 and Level 2 securities are valued using various observable market inputs obtained from a pricing service. The pricing service prepares estimates of fairvalue measurements for the Company\u2019s Level 2 securities using proprietary valuation models based on techniques such as matrix pricing which include observablemarket inputs. Observable market inputs for Level 1 and Level 2 securities are consistent with the observable market inputs described in Note 9.\nThe Company obtains one price for each investment. A quarterly analysis is performed to assess if the evaluated prices represent a reasonable estimate of theirfair value. This process involves quantitative and qualitative analysis and is overseen by benefits, investment and accounting professionals. Examples of proceduresperformed include initial and on-going review of pricing service methodologies, review of pricing statistics and trends, and comparison of prices for certainsecurities with two different appropriate price sources for reasonableness. Following this analysis, the Company uses the best estimate of fair value based upon allavailable inputs. The pricing service provides information regarding their pricing procedures so that the Company can properly categorize the Plans\u2019 financial assetsin the fair value hierarchy.\nF-71", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4023, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "2a35b439-4bc2-4ba0-9d8f-8c5698ce0382": {"__data__": {"id_": "2a35b439-4bc2-4ba0-9d8f-8c5698ce0382", "embedding": null, "metadata": {"page_label": "148", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a9fb54ca-5e10-47b0-b45b-56dc0ecc23f7", "node_type": "4", "metadata": {"page_label": "148", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "791ed666411ee12ae671d4fffcf2860d7958b9e2aaf1d7e9acea0ec4adc4641d", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The following pension benefits are expected to be paid over the next ten-year period:\nPensionBenefits\nRetirementHealthBenefits\n2025 $ 49.6 $ 0.1 \n2026 49.7 0.1 \n2027 48.2 0.1 \n2028 48.1 \u2014 \n2029 48.1 \u2014 \n2030 - 2034 215.3 0.3 \nTotal $ 459.0 $ 0.6 \nDefined Contribution Plan\nThe Company and its subsidiaries participate in a defined contribution plan covering substantially all employees. The defined contribution plan providesbenefits payable to participants on retirement or disability and to beneficiaries of participants in the event of the participant\u2019s death. The amounts expensed by theCompany related to this plan were $43.5 million for the year ended December 31, 2024 and $44.1 million for the years ended December 31, 2023 and 2022.\n24. Earnings Per Common Share  \nThe following table presents net income, the weighted average common shares used in calculating basic EPS and those used in calculating diluted EPS for eachperiod presented below. Diluted EPS reflects the incremental common shares from common shares issuable upon vesting of PSUs and ESPP using the treasury stockmethod. Refer to Notes 19 and 20 for further information regarding potential common stock issuances. The outstanding RSUs have non-forfeitable rights to dividendequivalents and are therefore included in calculating basic and diluted EPS under the two-class method.\n Years Ended December 31,\n 2024 2023 2022\nNumerator\nNet income $ 760.2 $ 642.5 $ 276.6 \nLess: Common stock dividends paid (155.9) (152.3) (150.2)\nUndistributed earnings $ 604.3 $ 490.2 $ 126.4 \nDenominator\nWeighted average common shares outstanding used in basic per common sharecalculations 52,231,729 53,455,139 54,371,531 \nIncremental common shares from:\nPSUs 324,484 294,808 348,036 \nESPP 24,889 33,122 62,961 \nWeighted average common shares outstanding used in diluted per common sharecalculations 52,581,102 53,783,069 54,782,528 \nEarnings per common share \u2013 Basic\nDistributed earnings $ 2.99 $ 2.85 $ 2.76 \nUndistributed earnings 11.56 9.17 2.33 \nNet income $ 14.55 $ 12.02 $ 5.09 \nEarnings per common share \u2013 Diluted\nDistributed earnings $ 2.97 $ 2.83 $ 2.74 \nUndistributed earnings 11.49 9.12 2.31 \nNet income $ 14.46 $ 11.95 $ 5.05 \nAverage PSUs totaling 48,859, 56,456 and 52,982 for the years ended December 31, 2024, 2023 and 2022, respectively, were outstanding but were anti-dilutiveand thus not included in the computation of diluted EPS under the treasury stock method.\nF-72", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2442, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "85efe5d3-bd00-492b-b596-243623b7f7fd": {"__data__": {"id_": "85efe5d3-bd00-492b-b596-243623b7f7fd", "embedding": null, "metadata": {"page_label": "149", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "f806aec0-1da1-4dd5-84a1-1698d11a769e", "node_type": "4", "metadata": {"page_label": "149", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "7470f3db88b9a5bacb563c8075545154bcc6f7a21c17f9c4eec1b0205b69b387", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "25. Restructuring and Related Impairment Charges\nIn December 2022, the Company finalized its plan to realize greater efficiencies by continuing to simplify its business portfolio and leverage its globalfootprint to reduce costs. This included realigning its organizational structure and talent to support its business strategy (the \u201ctransformational plan\u201d). The Companyalso accelerated its ongoing real estate consolidation to support work-from-home arrangements given its increasingly hybrid workforce (the \u201creturn to workstrategy\u201d).\nIn September 2023, the Company amended and extended the December 2022 plan to include additional actions within the initiatives described above, includingfurther consolidation of its real estate portfolio and additional changes to its organizational structure. The Company now expects to complete these actions in 2025.\nThe following table summarizes the costs by major type that are recorded in underwriting, selling, general and administrative expenses in the consolidatedstatement of operations for the years ended December 31, 2024 and 2023, the cumulative costs incurred as of December 31, 2024 and the estimated total costsincurred. Substantially all of the charges are expected to be cash. Restructuring costs related to strategic exit activities (outside of normal periodic restructuring andcost management activities) are not allocated to a reportable segment.\nCosts incurred for the year ended December 31, Estimated RemainingCosts Estimated Total Costs2024 2023\nTransformational plan:\nSeverance and other employee benefits $ 4.5 $ 21.0 $ \u2014 $ 57.2 \nTotal transformational plan 4.5 21.0 \u2014 57.2 \nReturn to work strategy:\nContract exit costs 0.9 6.5 \u2014 22.9 \nFixed asset impairment \u2014 1.2 \u2014 2.3 \nRight-of-use asset impairment \u2014 5.6 \u2014 10.2 \nTotal return to work strategy 0.9 13.3 \u2014 35.4 \nTotal restructuring and impairment charges $ 5.4 $ 34.3 $ \u2014 $ 92.6 \nThe following table shows the rollforward of the accrued liability by major type.\nTransformational Plan Return to Work Strategy (contractexit costs)\nBalance at January 1, 2022 $ 29.3 $ 19.3 \nCharges incurred 23.0 8.8 \nNon-cash adjustment (2.0) (2.3)\nCash payments (22.5) (8.7)\nBalance at December 31, 2023 27.8 27.8 17.1 \nCharges incurred 5.5 1.1 \nNon-cash adjustment (1.0) (0.2)\nCash payments (18.9) (6.8)\nBalance at December 31, 2024 $ 13.4 $ 11.2 \n26. Commitments and Contingencies\nLeases\nThe Company and its subsidiaries lease office space and equipment under operating lease arrangements. Certain facility leases contain escalation clauses basedon increases in the lessors\u2019 operating expenses.\nF-73", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2598, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "8577fff6-b91e-43ea-a1c7-3286f31518e5": {"__data__": {"id_": "8577fff6-b91e-43ea-a1c7-3286f31518e5", "embedding": null, "metadata": {"page_label": "150", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "cd90d08d-8872-47d2-9779-d59a62db65a2", "node_type": "4", "metadata": {"page_label": "150", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "2ecc907544bc43e4322033cb65f85ae4c8d87b0312ee0f34093f5829080c7a70", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "As of December 31, 2024 and 2023, the lease liability was $62.4 million and $35.3 million, respectively, included in accounts payable and other liabilities inthe consolidated balance sheets. As of December 31, 2024 and 2023, the right-of-use asset was $54.1 million and $23.0 million, respectively, included in other assetsin the consolidated balance sheets. For the years ended December 31, 2024, 2023 and 2022 the operating lease cost recognized for leases with terms in excess of 12months was $23.2 million, $19.0 million and $18.1 million respectively, and related cash outflows reducing the lease liability were $23.4 million, $19.4 million and$19.3 million, respectively. As of December 31, 2024, the weighted average remaining lease term and discount rate was 5.2 years and 5.6%, respectively. As ofDecember 31, 2023, the weighted average remaining lease term and discount rate was 5.0 years and 5.0%, respectively. For the years ended December 31, 2024,2023 and 2022 the short-term lease cost recognized for leases with terms of 12 months or less was $1.1 million, $1.1 million and $1.5 million, respectively.\nAt December 31, 2024, the lease liability by maturity is as follows:\n2025 $ 17.7 \n2026 16.2 \n2027 12.6 \n2028 9.8 \n2029 8.3 \nThereafter 7.1 \nTotal future lease payments 71.7 \nLess: Imputed interest (9.3)\nTotal lease liability $ 62.4 \nLetters of Credit\nIn the normal course of business, letters of credit are issued for various purposes. These letters of credit are supported by commitments under which theCompany is required to indemnify the financial institution issuing the letter of credit if the letter of credit is drawn. The Company had $1.8 million and $2.9 millionof letters of credit outstanding as of December 31, 2024 and 2023, respectively.\nLegal and Regulatory Matters\nThe Company is involved in a variety of litigation and legal and regulatory proceedings relating to its current and past business operations and, from time totime, it may become involved in other such actions. The Company continues to defend itself vigorously in these proceedings. The Company has participated andmay participate in settlements on terms that the Company considers reasonable.\nThe Company has established an accrued liability for certain legal and regulatory proceedings. The possible loss or range of loss resulting from such litigationand regulatory proceedings, if any, in excess of the amounts accrued is inherently unpredictable and uncertain. Consequently, no reasonable estimate can be made ofany possible loss or range of loss in excess of the accrual. Although the Company cannot predict the outcome of any pending legal or regulatory proceeding, or thepotential losses, fines, penalties or equitable relief, if any, that may result, it is possible that such outcome could have a material adverse effect on the Company\u2019sconsolidated results of operations or cash flows for an individual reporting period. However, on the basis of currently available information, management does notbelieve that the pending matters are likely to have a material adverse effect, individually or in the aggregate, on the Company\u2019s financial condition.\n27. Subsequent Events\nThe California Wildfires began in January 2025, causing significant damage throughout the Los Angeles metropolitan area and surrounding regions. At thetime of this filing, the claims process continues and our current view is that reportable catastrophes from the California Wildfires are expected to approach or slightlyexceed our catastrophe reinsurance program per event retention of $150 million. There is inherent variability in our estimates of early loss projections and claimsseverity, and therefore the estimate may change as additional information emerges.\nF-74", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3749, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "b0a37d84-d301-4352-a7be-9b75261b595e": {"__data__": {"id_": "b0a37d84-d301-4352-a7be-9b75261b595e", "embedding": null, "metadata": {"page_label": "151", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "e710137a-f51e-4d2e-adfc-b99b09b13cbd", "node_type": "4", "metadata": {"page_label": "151", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "679008fc02beb1a3faa935f3333a05a430123dce04797d71a2aa396c4dccaf7a", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Assurant, Inc.\nSchedule I \u2013 Summary of Investments - Other Than Investments in Related Parties\nDecember 31, 2024\nCost orAmortized Cost Fair Value\nAmount at whichshown in balancesheet\n (in millions)\nFixed maturity securities:\nU.S. government and government agencies and authorities $ 54.5 $ 51.2 $ 51.2 \nStates, municipalities and political subdivisions 128.7 119.1 119.1 \nForeign governments 484.6 462.1 462.1 \nAsset-backed 940.3 937.3 937.3 \nCommercial mortgage-backed 371.8 336.4 336.4 \nResidential mortgage-backed 690.0 641.1 641.1 \nU.S. corporate 3,364.3 3,187.4 3,187.4 \nForeign corporate 1,490.6 1,440.5 1,440.5 \nTotal fixed maturity securities 7,524.8 7,175.1 7,175.1 \nEquity securities:\nCommon stocks 32.3 3.5 3.5 \nNon-redeemable preferred stocks 177.5 176.2 176.2 \nMutual funds 28.9 28.8 28.8 \nTotal equity securities 238.7 208.5 208.5 \nCommercial mortgage loans on real estate 342.5 342.5 \nShort-term investments 281.6 281.6 \nOther investments 536.8 536.8 \nTotal investments $ 8,924.4 $ 8,544.5 \nF-75", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1010, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "f7d39d5d-7377-424a-a22b-b6f40290adbe": {"__data__": {"id_": "f7d39d5d-7377-424a-a22b-b6f40290adbe", "embedding": null, "metadata": {"page_label": "152", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a5204aa5-f9ba-4338-91e3-1f635166cdc3", "node_type": "4", "metadata": {"page_label": "152", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d399b3dd0651bd376a7b9d0f2709f26fdf40b7f6d5a958b1853919b567af7438", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Assurant, Inc.\nSchedule II \u2013 Condensed Balance Sheet (Parent Only)\n December 31,\n 2024 2023\n (in millions, except numberof shares)\nAssets\nInvestments:\nEquity investment in subsidiaries $ 6,109.1 $ 5,945.1 \nFixed maturity securities available for sale, at fair value (amortized cost \u2013 $485.7 and $492.2 at December 31, 2024and 2023, respectively) 482.7 488.6 \nShort-term investments 24.7 15.7 \nOther investments 87.7 79.5 \nTotal investments 6,704.2 6,528.9 \nCash and cash equivalents 164.9 106.2 \nReceivable from subsidiaries, net 42.9 77.7 \nIncome tax receivable 193.5 10.9 \nAccrued investment income 4.1 4.6 \nProperty and equipment, at cost less accumulated depreciation 332.4 327.5 \nOther assets 120.5 126.2 \nTotal assets $ 7,562.5 $ 7,182.0 \nLiabilities\nAccounts payable and other liabilities $ 372.7 $ 291.9 \nDebt 2,083.1 2,080.6 \nTotal liabilities 2,455.8 2,372.5 \nStockholders\u2019 equity\nCommon stock, par value $0.01 per share, 800,000,000 shares authorized, 53,129,838 and 54,252,083 shares issued and50,833,749 and 51,955,994 shares outstanding at December 31, 2024 and 2023, respectively 0.5 0.6 \nAdditional paid-in capital 1,686.8 1,668.5 \nRetained earnings 4,378.3 4,028.2 \nAccumulated other comprehensive loss (836.1) (765.0)\nTreasury stock, at cost; 2,296,089 shares at December 31, 2024 and 2023 (122.8) (122.8)\nTotal stockholders\u2019 equity 5,106.7 4,809.5 \nTotal liabilities and stockholders\u2019 equity $ 7,562.5 $ 7,182.0 \nSee the accompanying Notes to the Parent Only Condensed Financial Statements\nF-76", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1513, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "08fb903e-7a65-4a84-8eae-58cfca8a74e2": {"__data__": {"id_": "08fb903e-7a65-4a84-8eae-58cfca8a74e2", "embedding": null, "metadata": {"page_label": "153", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "857d8aa6-bb93-451f-ac5e-f042e1e5e1b7", "node_type": "4", "metadata": {"page_label": "153", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ef76a979e5206f1c2c3f896ac03e42fc51b7645abd643862e5d6725462fb28ed", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Assurant, Inc.\nSchedule II \u2013 Condensed Income Statement (Parent Only)\n Years Ended December 31,\n 2024 2023 2022\n (in millions)\nRevenues\nNet investment income $ 28.8 $ 21.0 $ 13.8 \nNet realized gains (losses) on investments and fair value changes to equity securities 1.2 (9.8) (35.8)\nFees and other income 332.2 318.8 283.9 \nEquity in net income of subsidiaries 908.8 786.3 462.1 \nTotal revenues 1,271.0 1,116.3 724.0 \nExpenses\nGeneral and administrative expenses 480.5 419.0 402.4 \nInterest expense 107.0 108.0 108.3 \n(Gain) loss on extinguishment of debt (Note 18 to the Consolidated Financial Statements) \u2014 (0.1) 0.9 \nTotal expenses 587.5 526.9 511.6 \nIncome before benefit for income taxes 683.5 589.4 212.4 \nBenefit for income taxes (76.7) (53.1) (64.2)\nNet income $ 760.2 $ 642.5 $ 276.6 \nSee the accompanying Notes to the Parent Only Condensed Financial Statements\nF-77", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 876, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "2399c66d-23c9-4b03-9669-8d27614f96b6": {"__data__": {"id_": "2399c66d-23c9-4b03-9669-8d27614f96b6", "embedding": null, "metadata": {"page_label": "154", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "e1b368a8-32d8-4f23-b82c-65a732a23b8c", "node_type": "4", "metadata": {"page_label": "154", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "7b941637f2779d9476a7795e9a874bd08c2684e87433b984bbcd0568f478c5c1", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Assurant, Inc.\nSchedule II \u2013 Condensed Statements of Comprehensive Income (Parent Only)\nYears Ended December 31,\n2024 2023 2022\n(in millions)\nNet income $ 760.2 $ 642.5 $ 276.6 \nOther comprehensive income (loss):\nChange in unrealized gains on securities, net of taxes of $(0.1), $(3.4) and $4.5 for the yearsended December 31, 2024, 2023 and 2022, respectively 0.5 29.0 (20.2)\nChange in unrealized gains on derivative transactions, net of taxes of $1.7, $0.3 and $0.7 forthe years ended December 31, 2024, 2023 and 2022, respectively (6.3) (1.3) (2.6)\nChange in foreign currency translation, net of taxes of $0.0, $0.0 and $0.4 for the years endedDecember 31, 2024, 2023 and 2022, respectively \u2014 \u2014 (1.4)\nAmortization of pension and postretirement unrecognized net periodic benefit cost andchange in funded status, net of taxes of $4.0, $7.2 and $(0.8) for the years ended December31, 2024, 2023 and 2022, respectively (15.2) (27.1) 3.0 \nChange in subsidiary other comprehensive income (50.1) 220.6 (815.0)\nTotal other comprehensive income (loss) (71.1) 221.2 (836.2)\nTotal comprehensive income attributable to stockholders $ 689.1 $ 863.7 $ (559.6)\nSee the accompanying Notes to the Parent Only Condensed Financial Statements\nF-78", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1230, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "28750342-a175-4abc-8753-5650a99df38a": {"__data__": {"id_": "28750342-a175-4abc-8753-5650a99df38a", "embedding": null, "metadata": {"page_label": "155", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "15613cc5-7b2c-4f78-8e98-8345f48bea3d", "node_type": "4", "metadata": {"page_label": "155", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "cf14d48ce5e6c5211faffa1807c8bc867da4ba936e2871264b09e648e0db8676", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Assurant, Inc.\nSchedule II \u2013 Condensed Cash Flows (Parent Only)\n Years Ended December 31,\n 2024 2023 2022\n (in millions)\nOperating Activities\nNet cash provided by operating activities $ 447.9 $ 345.1 $ 209.0 \nInvesting Activities\nSales of:\nFixed maturity securities available for sale 278.9 183.4 659.0 \nEquity securities 1.7 \u2014 5.0 \nOther invested assets \u2014 8.0 2.2 \nProperty, buildings and equipment \u2014 1.0 3.1 \nSubsidiary, net of cash transferred \u2014 \u2014 4.8 \nMaturities, calls, prepayments, and scheduled redemption of:\nFixed maturity securities available for sale 87.5 172.2 178.4 \nPurchases of:\nFixed maturity securities available for sale (18.0) (155.4) (3.9)\nEquity securities \u2014 \u2014 (1.5)\nOther invested assets (0.7) \u2014 (0.2)\nProperty and equipment and other (165.3) (175.1) (145.6)\nCapital contributed to subsidiaries (87.8) (8.9) (91.8)\nReturn of capital contributions from subsidiaries \u2014 7.1 10.5 \nChange in short-term investments (8.0) 3.4 33.4 \nOther \u2014 \u2014 (0.1)\nNet cash provided by investing activities 88.3 35.7 653.3 \nFinancing Activities\nIssuance of debt, net of issuance costs (Note 18 to the Consolidated Financial Statements) \u2014 173.2 \u2014 \nRepayment of debt (Note 18) \u2014 (225.0) (75.9)\nAcquisition of common stock (307.4) (193.1) (572.8)\nCommon stock dividends paid (155.9) (152.3) (150.2)\nEmployee stock purchases and withholdings (14.2) (4.2) (19.5)\nNet cash used in financing activities (477.5) (401.4) (818.4)\nChange in cash and cash equivalents 58.7 (20.6) 43.9 \nCash and cash equivalents at beginning of period 106.2 126.8 82.9 \nCash and cash equivalents at end of period $ 164.9 $ 106.2 $ 126.8 \nSee the accompanying Notes to the Parent Only Condensed Financial Statements\nF-79", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1689, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "2355179e-165b-4056-bb80-e4ee8da8c11a": {"__data__": {"id_": "2355179e-165b-4056-bb80-e4ee8da8c11a", "embedding": null, "metadata": {"page_label": "156", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "7160918b-45bd-447b-b4d3-771e974c6756", "node_type": "4", "metadata": {"page_label": "156", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "4c4eb733dc82b234e89515416c98744eaa61736eec466be81b3a86c815273503", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Assurant, Inc.\nNotes to the Parent Only Condensed Financial Statements\nAssurant, Inc.\u2019s (the \u201cRegistrant\u201d) investments in consolidated subsidiaries are stated at cost plus equity in income of consolidated subsidiaries. Theaccompanying Parent Only Condensed Financial Statements of the Registrant should be read in conjunction with the Consolidated Financial Statements and Notesthereto of the registrant and its subsidiaries included in the Registrant\u2019s Annual Report on Form 10-K for the fiscal year ended December 31, 2024 filed with theSecurities and Exchange Commission on February 20, 2025.\nF-80", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 600, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "c1a239e5-d8eb-4a4b-8af6-58b3933de22c": {"__data__": {"id_": "c1a239e5-d8eb-4a4b-8af6-58b3933de22c", "embedding": null, "metadata": {"page_label": "157", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "aed7d964-21db-454c-9f5a-50591695a6dd", "node_type": "4", "metadata": {"page_label": "157", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "72b842e745a0828c9fb5ef815b165bc19e70195c1d0aac3af3c542a24055550e", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Assurant, Inc.\nSchedule III \u2013 Supplementary Insurance Information\nSegment\nDeferredacquisitioncosts\nFuturepolicybenefits andexpenses Unearnedpremiums\nClaims andbenefitspayable Premiumrevenue\nNetinvestmentincome\nBenefitsclaims, lossesandsettlementexpenses\nAmortizationof deferredacquisitioncosts\nOtheroperatingexpenses (1)\nPropertyandCasualtypremiumswritten\n(in millions)\nYear Ended December 31, 2024\nGlobal Lifestyle $ 9,853.7 $ 7.8 $ 18,387.4 $ 873.9 $ 7,506.0 $ 356.6 $ 1,738.6 $ 3,736.6 $ 3,075.3 $ 830.8 \nGlobal Housing 136.0 \u2014 1,813.6 1,885.3 2,281.0 127.3 1,010.2 229.0 673.9 2,493.4 \nCorporate andOther 3.1 528.9 10.4 155.0 \u2014 27.2 \u2014 \u2014 149.8 \u2014 \nOther ReconcilingItems (2) \u2014 \u2014 \u2014 \u2014 8.8 7.8 17.7 \u2014 212.1 \u2014 \nTotal $ 9,992.8 $ 536.7 $ 20,211.4 $ 2,914.2 $ 9,795.8 $ 518.9 $ 2,766.5 $ 3,965.6 $ 4,111.1 $ 3,324.2 \nYear Ended December 31, 2023\nGlobal Lifestyle $ 9,853.1 $ 8.6 $ 18,550.5 $ 770.0 $ 7,362.6 $ 347.5 $ 1,607.9 $ 3,916.2 $ 2,592.5 $ 848.3 \nGlobal Housing 111.4 \u2014 1,554.9 989.9 2,014.5 109.7 862.0 203.5 612.9 2,075.4 \nCorporate andOther 2.7 478.6 5.0 229.3 \u2014 21.4 0.1 \u2014 130.5 \u2014 \nOther ReconcilingItems (2) \u2014 \u2014 \u2014 \u2014 10.9 10.5 51.8 \u2014 239.5 \u2014 \nTotal $ 9,967.2 $ 487.2 $ 20,110.4 $ 1,989.2 $ 9,388.0 $ 489.1 $ 2,521.8 $ 4,119.7 $ 3,575.4 $ 2,923.7 \nYear Ended December 31, 2022\nGlobal Lifestyle $ 9,566.9 $ 9.5 $ 18,328.4 $ 665.0 $ 6,952.3 $ 253.6 $ 1,356.6 $ 3,430.0 $ 2,719.5 $ 907.1 \nGlobal Housing 106.9 \u2014 1,468.7 1,289.8 1,751.6 75.8 884.1 232.6 597.7 1,896.3 \nCorporate andOther 3.3 498.4 5.3 255.2 \u2014 26.9 0.5 \u2014 126.1 \u2014 \nOther ReconcilingItems (2) \u2014 \u2014 \u2014 \u2014 61.4 7.8 118.6 \u2014 260.4 \u2014 \nTotal $ 9,677.1 $ 507.9 $ 19,802.4 $ 2,210.0 $ 8,765.3 $ 364.1 $ 2,359.8 $ 3,662.6 $ 3,703.7 $ 2,803.4 \n(1) Includes amortization of value of business acquired and underwriting, general and administrative expenses.(2) Other reconciling items reflect the items excluded from the segment measure of profitability, Adjusted EBITDA. See Note 5 for more information on Adjusted EBITDA andthe reconciliation of the segment Adjusted EBITDA to the consolidated net income from continuing operations.\n \nF-81", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2092, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "c0c76a2a-e962-419a-a5a2-3b7ed1b7f53b": {"__data__": {"id_": "c0c76a2a-e962-419a-a5a2-3b7ed1b7f53b", "embedding": null, "metadata": {"page_label": "158", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "80ef6fad-1565-459f-b4f1-a2ab2e1e7f98", "node_type": "4", "metadata": {"page_label": "158", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ac83521c4042643541e2341a8001fb24ea46d3f694d4077f3f01e190588c917b", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Assurant, Inc.\nSchedule IV \u2013 Reinsurance\nDirect amount\nCeded tootherCompanies\nAssumedfrom otherCompanies Net amount\nPercentageof amountassumedto net\n(in millions)\nYear Ended December 31, 2024\nLife Insurance in Force $ 7,097.2 $ 4,659.9 $ 0.2 $ 2,437.5 \u2014 %\nPremiums:\nLife insurance $ 198.0 $ 141.9 $ 0.1 $ 56.2 0.2 %\nAccident and health insurance 342.8 250.9 2.6 94.5 2.8 %\nProperty and liability insurance 18,292.7 8,823.5 175.9 9,645.1 1.8 %\nTotal earned premiums $ 18,833.5 $ 9,216.3 $ 178.6 $ 9,795.8 1.8 %\nBenefits:\nLife insurance $ 36.5 $ 24.0 $ \u2014 $ 12.5 \u2014 %\nAccident and health insurance 53.7 47.4 \u2014 6.3 \u2014 %\nProperty and liability insurance 8,720.6 6,249.9 277.0 2,747.7 10.1 %\nTotal policyholder benefits $ 8,810.8 $ 6,321.3 $ 277.0 $ 2,766.5 10.0 %\nYear Ended December 31, 2023\nLife Insurance in Force $ 7,555.8 $ 5,023.0 $ 0.4 $ 2,533.2 \u2014 %\nPremiums:\nLife insurance $ 162.9 $ 127.8 $ 0.1 $ 35.2 0.3 %\nAccident and health insurance 525.2 341.5 3.0 186.7 1.6 %\nProperty and liability insurance 17,634.7 8,651.9 183.3 9,166.1 2.0 %\nTotal earned premiums $ 18,322.8 $ 9,121.2 $ 186.4 $ 9,388.0 2.0 %\nBenefits:\nLife insurance $ 24.5 $ 14.0 $ 0.1 $ 10.6 0.9 %\nAccident and health insurance 77.2 60.2 0.5 17.5 2.9 %\nProperty and liability insurance 7,503.0 5,250.6 241.3 2,493.7 9.7 %\nTotal policyholder benefits $ 7,604.7 $ 5,324.8 $ 241.9 $ 2,521.8 9.6 %\nYear Ended December 31, 2022\nLife Insurance in Force $ 7,208.5 $ 4,837.8 $ 1.7 $ 2,372.4 0.1 %\nPremiums:\nLife insurance $ 166.7 $ 128.2 $ 0.1 $ 38.6 0.3 %\nAccident and health insurance 508.4 331.0 3.0 180.4 1.7 %\nProperty and liability insurance 16,819.5 8,466.8 193.6 8,546.3 2.3 %\nTotal earned premiums $ 17,494.6 $ 8,926.0 $ 196.7 $ 8,765.3 2.2 %\nBenefits:\nLife insurance $ 32.2 $ 20.6 $ \u2014 $ 11.6 \u2014 %\nAccident and health insurance 76.8 65.5 0.4 11.7 3.4 %\nProperty and liability insurance 7,563.4 5,389.9 163.0 2,336.5 7.0 %\nTotal policyholder benefits $ 7,672.4 $ 5,476.0 $ 163.4 $ 2,359.8 6.9 %\nF-82", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1963, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "1416521f-117e-4c82-aad8-14dc6d567935": {"__data__": {"id_": "1416521f-117e-4c82-aad8-14dc6d567935", "embedding": null, "metadata": {"page_label": "159", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d0acbaf8-3034-4415-86bf-588ecc6d399d", "node_type": "4", "metadata": {"page_label": "159", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "09aa6258e54b94f30126b8e351590632806260a76bc23afd7545596cac24b010", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Assurant, Inc.\nSchedule V \u2013 Valuation and Qualifying Accounts\n \nBalance atBeginning ofYear\nCharged toCosts andExpenses\nChargedto OtherAccounts Deductions\nBalance atEnd ofYear\n(in millions)\nFor the Year Ended December 31, 2024\nValuation allowance for foreign deferred tax assets $ 16.1 $ (5.2) $ 5.8 $ \u2014 $ 16.7 \nAllowance for credit losses:\nCommercial mortgage loans on real estate 4.0 2.5 \u2014 \u2014 6.5 \nPremiums and accounts receivable 9.0 1.1 (0.3) 2.6 7.2 \nDealer loan receivable 0.7 \u2014 (0.1) \u2014 0.6 \nReinsurance recoverables 4.8 0.2 \u2014 \u2014 5.0 \nHigh deductible recoverables 8.3 (6.9) \u2014 \u2014 1.4 \nTotal $ 42.9 $ (8.3) $ 5.4 $ 2.6 $ 37.4 \nFor the Year Ended December 31, 2023\nValuation allowance for foreign deferred tax assets $ 23.6 $ (7.5) $ \u2014 $ \u2014 $ 16.1 \nAllowance for credit losses:\nCommercial mortgage loans on real estate 1.8 2.2 \u2014 \u2014 4.0 \nPremiums and accounts receivable 9.2 3.5 (0.1) 3.6 9.0 \nDealer loan receivable 1.7 \u2014 (1.0) \u2014 0.7 \nReinsurance recoverables 5.4 (0.6) \u2014 \u2014 4.8 \nHigh deductible recoverables 10.3 (2.0) \u2014 \u2014 8.3 \nTotal $ 52.0 $ (4.4) $ (1.1) $ 3.6 $ 42.9 \nFor the Year Ended December 31, 2022\nValuation allowance for foreign deferred tax assets $ 25.1 $ (1.5) $ \u2014 $ \u2014 $ 23.6 \nAllowance for credit losses:\nCommercial mortgage loans on real estate 1.1 0.7 \u2014 \u2014 1.8 \nPremiums and accounts receivable 9.4 2.0 (0.2) 2.0 9.2 \nDealer loan receivable 2.5 \u2014 (0.8) \u2014 1.7 \nReinsurance recoverables 5.0 0.4 \u2014 \u2014 5.4 \nHigh deductible recoverables 0.0 10.3 \u2014 \u2014 10.3 \nTotal $ 43.1 $ 11.9 $ (1.0) $ 2.0 $ 52.0 \nF-83", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1509, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "42951ade-45e2-4404-8d32-4832d5ab30e9": {"__data__": {"id_": "42951ade-45e2-4404-8d32-4832d5ab30e9", "embedding": null, "metadata": {"page_label": "160", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "c2636897-77ff-480c-8cc5-715ca76d74ca", "node_type": "4", "metadata": {"page_label": "160", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "009789490cbcf8de5f6ab698687ae7f7059f814114d46695e36535cc854edfdc", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Exhibit 4.6\nDESCRIPTION OF THE REGISTRANT\u2019S SECURITIESREGISTERED PURSUANT TO SECTION 12 OFTHE SECURITIES EXCHANGE ACT OF 1934\nAssurant, Inc. has two classes of securities registered under Section 12 of the Securities Exchange Act of 1934, as amended (the \u201cExchange Act\u201d): (1) our commonstock, par value $0.01 per share and (2) our 5.25% subordinated notes due January 2061 (our \u201c2061 Subordinated Notes\u201d).\nThe following summaries generally describe the material terms and provisions of our common stock and 2061 Subordinated Notes as of the date of the Form 10-K towhich this Exhibit 4.5 is a part (the \u201cForm 10-K\u201d). These summaries do not purport to be complete and are subject to, and are qualified in their entirety by expressreference to, the provisions of our amended and restated certificate of incorporation (the \u201ccertificate of incorporation\u201d) and our amended and restated by-laws (the\u201cby-laws\u201d), each of which is filed as an exhibit to the Form 10-K; and the subordinated notes indenture, dated as of March 27, 2018, between us and U.S. BankNational Association, as trustee, as supplemented by the officers\u2019 certificate, dated as of November 19, 2020 (together, the \u201csubordinated notes indenture\u201d), and theform of 5.25% Subordinated Notes due 2061, each of which is filed as an exhibit to our Form 8-K filed on November 19, 2020. We encourage you to read ourcertificate of incorporation, by-laws and the documents governing our 2061 Subordinated Notes, and the applicable provisions of applicable law and rules, includingthe General Corporation Law of the State of Delaware (\u201cDGCL\u201d), for additional information.\nIn this Exhibit 4.5, when we refer to the \u201cCompany,\u201d \u201cwe,\u201d \u201cus\u201d or \u201cour\u201d or when we otherwise refer to ourselves, we mean Assurant, Inc., excluding, unlessotherwise expressly stated or the context requires, our subsidiaries; all references to \u201ccommon stock\u201d refer only to common stock issued by Assurant, Inc. and not toany common stock issued by any subsidiary. References to \u201cholders\u201d mean those who own shares of common stock or debt securities registered in their own names,on the books that the registrar, the applicable trustee or we maintain for this purpose, and not those who own beneficial interests in shares or debt securitiesregistered in street name or in shares or debt securities issued in book-entry form through one or more depositaries.\nCOMMON STOCK\nGeneral\nAuthorized Shares. The certificate of incorporation authorizes 800,000,000 shares of common stock. All outstanding shares of common stock are fully-paid andnonassessable.\nDividends. Subject to any preferential rights of any outstanding series of preferred stock that our board of directors may create from time to time, the holders of ourcommon stock will be entitled to dividends as may be declared from time to time by the board of directors from funds available therefor.\nVoting Rights. Each share of common stock entitles the holder thereof to one vote on all matters, including the election of directors, and, except as otherwiserequired by law or provided in any resolution adopted by our board of directors with respect to any series of preferred stock, the holders of the shares of our commonstock will possess all voting power. Our certificate of incorporation does not provide for cumulative voting in the election of directors. Generally, under our by-laws,all matters to be voted on by the stockholders must be approved by the vote of the holders of a majority in voting power of the stock present and entitled to vote onthe matter, other than the election of directors, which must be approved by a majority of the votes cast, subject to state law and any voting rights granted to any of theholders of preferred stock.\nPreemptive Rights. The holders of common stock do not have any preemptive rights. There are no subscription, redemption, conversion or sinking fund provisionswith respect to the common stock.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3920, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "545e854f-e8ae-431b-aeb2-11f8866116e5": {"__data__": {"id_": "545e854f-e8ae-431b-aeb2-11f8866116e5", "embedding": null, "metadata": {"page_label": "161", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "14bb9103-9512-4874-b0bd-fc4a12a4495f", "node_type": "4", "metadata": {"page_label": "161", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "765e1a8c41b9839eeb3e5d1495445e457747c89b2e781e02f875018670378c60", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Liquidation Rights. Upon dissolution, liquidation or winding-up of the Company, subject to the rights of holders of any preferred stock outstanding or any otherclass or series of stock having preferential rights, the holders of shares of common stock will be entitled to receive our assets available for distribution proportionateto their pro rata ownership of the outstanding shares of common stock.\nAnti-takeover Effects of Certain Provisions of the Certificate of Incorporation, By-Laws and Delaware General Corporation LawThe provisions of the DGCL and our certificate of incorporation and by-laws summarized below may have the effect of discouraging, delaying or preventing hostiletakeovers, including those that might result in a premium being paid over the market price of our common stock, and discouraging, delaying or preventing changesin control or management of the Company.\nCertificate of Incorporation and By-Laws. Our certificate of incorporation, which provides for the issuance of preferred stock, may have the effect of delaying,deferring or preventing a change in control of the Company without further action by the stockholders and may adversely affect the voting and other rights of theholders of shares of common stock. Further, our certificate of incorporation requires that any action required or permitted to be taken by our stockholders must beeffected at a duly called annual or special meeting of our stockholders and may not be effected by a consent in writing. Special meetings of our stockholders may becalled only by our Chief Executive Officer or by our board of directors pursuant to a resolution approved by the board of directors. In addition, our by-laws establishadvance notice procedures with respect to stockholder proposals and the nomination of candidates for election as directors.\nOur board of directors has the authority, without further action of our stockholders, to issue up to 200,000,000 shares of preferred stock, par value $1.00 per share, inone or more series and to fix the powers, preferences, rights and qualifications, limitations or restrictions thereof. The issuance of preferred stock on various termscould adversely affect the holders of common stock. The potential issuance of preferred stock may discourage bids for shares of our common stock at a premiumover the market price of our common stock, may adversely affect the market price of shares of our common stock and may discourage, delay or prevent a change incontrol of the Company.\nThe anti-takeover and other provisions of our certificate of incorporation and by-laws could discourage potential acquisition proposals and could delay or prevent achange in control. These provisions are intended to enhance the likelihood of continuity and stability in the composition of the board of directors and in the policiesformulated by the board of directors and to discourage certain types of transactions that may involve an actual or threatened change in control. These provisions aredesigned to reduce our vulnerability to an unsolicited acquisition proposal. The provisions also are intended to discourage certain tactics that may be used in proxyfights. However, these provisions could have the effect of discouraging others from making tender offers for our shares and, as a consequence, they also may inhibitfluctuations in the market price of our shares that could result from actual or rumored takeover attempts. These provisions also may have the effect of preventingchanges in our management.\nDelaware General Corporation Law. We are subject to Section 203 of the DGCL (\u201cSection 203\u201d). In general, Section 203 prevents a person who owns 15% or moreof our outstanding voting stock, an \u201cinterested stockholder,\u201d from engaging in some business combinations, as described below, with us for three years following thetime that that person becomes an interested stockholder unless one of the following occurs:\n\u2022 the board of directors either approves the business combination or the transaction in which the person became an interested stockholder before that personbecame an interested stockholder;\n\u2022 upon consummation of the transaction which resulted in the person becoming an interested stockholder, the interested stockholder owned at least 85% of ourvoting stock outstanding at the time the transaction commenced, excluding stock held by:\n\u25e6directors who are also officers of the Company; and", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4414, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "bdc6a32e-8d03-4dc5-b4e4-b398f89a8de4": {"__data__": {"id_": "bdc6a32e-8d03-4dc5-b4e4-b398f89a8de4", "embedding": null, "metadata": {"page_label": "162", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "1d16c95e-3cf0-400a-921e-5dd1225eddf2", "node_type": "4", "metadata": {"page_label": "162", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "6803e204eb44859bc981fcb01e62128736c64080dffcf87e57c28853f33500c4", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "\u25e6employee stock plans that do not provide employees with the right to determine confidentially whether shares held subject to the plan will betendered in a tender or exchange offer; or\n\u2022    at or subsequent to the time that the transaction in which the person became an interested stockholder, the business combination is:\n\u25e6approved by the board of directors; and\n\u25e6authorized at a meeting of stockholders by the affirmative vote of the holders of at least two-thirds of our outstanding voting stock which is notowned by the interested stockholder.\nFor purposes of Section 203, the term \u201cbusiness combinations\u201d includes mergers, consolidations, asset salesor other transactions that result in a financial benefit to the interested stockholder and transactions that would increase the interested stockholder\u2019s proportionateshare ownership of the Company.\nUnder some circumstances, Section 203 makes it more difficult for an interested stockholder to effect various business combinations with us for a period ofthree years after the stockholder becomes an interested stockholder. Although our stockholders have the right to exclude us from the restrictions imposed by Section203, they have not done so. Section 203 may encourage companies interested in acquiring us to negotiate in advance with the board of directors, because therequirement stated above regarding stockholder approval would be avoided if a majority of the directors approves, prior to the time the party became an interestedstockholder, either the business combination or the transaction which results in the stockholder becoming an interested stockholder.\n2061 SUBORDINATED NOTES\nGeneral\nThe 2061 Subordinated Notes were issued under the subordinated notes indenture in an aggregate principal amount of $250.0 million, all of which remainedoutstanding as of December 31, 2024.\nUnless earlier redeemed, the entire principal amount of the 2061 Subordinated Notes will mature on January 15, 2061. The 2061 Subordinated Notes are not subjectto any sinking fund provision.\nThe 2061 Subordinated Notes are unsecured, rank equally in right of payment to all of our existing and future pari passu securities and are subordinated and juniorin right of payment to all of our existing and future senior indebtedness.\nThe 2061 Subordinated Notes are listed on the New York Stock Exchange under the symbol \u201cAIZN\u201d.\nInterest\nThe 2061 Subordinated Notes bear interest at 5.25% per year. Interest is payable quarterly in arrears on January 15, April 15, July 15 and October 15 of each year,beginning April 15, 2021, subject to certain rights and obligations as described under the subordinated notes indenture.\nInterest payments will be made to the persons or entities in whose names the 2061 Subordinated Notes are registered at the close of business on January 1, April 1,July 1 or October 1 (whether or not a business day), as the case may be, immediately preceding the relevant interest payment date. The amount of interest payable forany interest period will be computed on the basis of a 360-day year consisting of twelve 30-day months. In the event that any interest payment date falls on a day thatis not a business day, the interest payment due on that date will be postponed to the next day that is a business day, and no additional interest will accrue as a result ofthat postponement.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3345, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "a30eb61c-b3f0-4872-a6bf-2889f7a71be0": {"__data__": {"id_": "a30eb61c-b3f0-4872-a6bf-2889f7a71be0", "embedding": null, "metadata": {"page_label": "163", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "741758bc-59fb-4812-97ce-3f73eac01ff7", "node_type": "4", "metadata": {"page_label": "163", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "6fb6dedbcbf73ee6c6653dd45830d69f1010f8f6e53dbc4f0706aee340f5dbb8", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "\u201cBusiness day\u201d means any day other than (i) a Saturday or Sunday, (ii) a day on which banking institutions in The City of New York are authorized or required bylaw or executive order to remain closed or (iii) a day on which the corporate trust office of the trustee is closed for business.\nOption to Defer Interest Payments\nSo long as no event of default with respect to the 2061 Subordinated Notes has occurred and is continuing, we may elect at one or more times to defer payment ofinterest on the 2061 Subordinated Notes for one or more consecutive interest periods for up to five years. We may not defer interest beyond the maturity date, anyearlier accelerated maturity date arising from an event of default (which, under the subordinated notes indenture, is limited to certain events of bankruptcy,insolvency or receivership involving us) or any earlier redemption date.\nDuring a deferral period, interest will continue to accrue on the 2061 Subordinated Notes, and deferred interest on the 2061 Subordinated Notes will bear additionalinterest at the then-applicable interest rate of the 2061 Subordinated Notes, compounded on each interest payment date, subject to applicable law.\nA \u201cdeferral period\u201d refers to the period beginning on the first day of the first interest period with respect to which we elect to defer interest on the 2061 SubordinatedNotes and ending on the earlier of (i) the interest payment date falling on or about the fifth anniversary of that day and (ii) the next interest payment date on whichwe have paid all deferred and unpaid amounts (including compounded interest on such deferred amounts) and all other accrued interest on the 2061 SubordinatedNotes. When we use the term \u201cinterest\u201d, we are referring not only to regularly scheduled interest payments but also to interest on interest payments not paid on theapplicable interest payment date.\nAt the end of five years following the commencement of a deferral period, we must pay all accrued and unpaid deferred interest, including compounded interestthereon. If we have paid all deferred interest (including compounded interest thereon) on the 2061 Subordinated Notes, we can again defer interest payments on the2061 Subordinated Notes as described above.\nWe will give the holders of the 2061 Subordinated Notes and the trustee written notice of our election to commence or continue a deferral period at least two and notmore than 60 business days before the next interest payment date.\nRedemption\nThe 2061 Subordinated Notes are redeemable at our election on or after January 15, 2026 or within 90 days after the occurrence of certain events prior to January 15,2026, in each case at the applicable redemption price set forth below and are not subject to any sinking fund or similar provisions.\nWe may redeem the 2061 Subordinated Notes:\n\u2022in whole at any time or in part from time to time on or after January 15, 2026 at a redemption price equal to their principal amount plus accrued and unpaidinterest (including compounded interest) to, but excluding, the date of redemption; provided that if the 2061 Subordinated Notes are not redeemed in whole, atleast $25.0 million aggregate principal amount of the 2061 Subordinated Notes, excluding any 2061 Subordinated Notes held by us or any of our affiliates, mustremain outstanding after giving effect to such redemption; or\n\u2022in whole, but not in part, at any time prior to January 15, 2026, within 90 days after the occurrence of a \u201crating agency event,\u201d a \u201ctax event\u201d or a\u201cregulatory capital event\u201d at a redemption price equal to (i) in the case of a \u201crating agency event,\u201d 102% of their principal amount, and (ii) in the case of a \u201ctaxevent\u201d or a \u201cregulatory capital event,\u201d their principal amount, in each case plus accrued and unpaid interest (including compounded interest) to, but excluding, thedate of redemption.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3857, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "63a2f688-5a04-4b4c-936f-10994d362cf8": {"__data__": {"id_": "63a2f688-5a04-4b4c-936f-10994d362cf8", "embedding": null, "metadata": {"page_label": "164", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "349f2902-309d-4f5d-8cb5-f8deb4d70467", "node_type": "4", "metadata": {"page_label": "164", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d6403e8bb47edb70b4be64f91de413cdd829f97940739539b99e9cb6c90e6631", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "For the purposes of the preceding paragraph:\n\u201cRating agency event\u201d means that any nationally recognized statistical rating organization within the meaning of Section 3(a)(62) under the Exchange Act, that thenpublishes a rating for us (a \u201crating agency\u201d) amends, clarifies or changes the criteria it uses to assign equity credit to securities such as the 2061 Subordinated Notes,which amendment, clarification or change results in:\n\u2022the shortening of the length of time the 2061 Subordinated Notes are assigned a particular level of equity credit by that rating agency as compared to thelength of time they would have been assigned that level of equity credit by that rating agency or its predecessor on the initial issuance of the 2061 SubordinatedNotes; or\n\u2022the lowering of the equity credit (including up to a lesser amount) assigned to the 2061 Subordinated Notes by that rating agency as compared to the equitycredit assigned by that rating agency or its predecessor on the initial issuance of the 2061 Subordinated Notes.\n\u201cTax event\u201d means the receipt by us of an opinion of independent counsel experienced in such matters to the effect that, as a result of any:\n\u2022amendment to, clarification of or change (including any officially announced prospective change) in the laws or treaties of the United States or anypolitical subdivision or taxing authority of or in the United States, or any regulations under those laws or treaties, that is enacted or effective on or after the initialissuance of the 2061 Subordinated Notes;\n\u2022administrative action, which means any judicial decision or any official administrative pronouncement, ruling, regulatory procedure, notice or other similarannouncement, including any notice or announcement of intent to issue or adopt any administrative pronouncement, ruling, regulatory procedure or regulation, thatis taken on or after the initial issuance of the 2061 Subordinated Notes;\n\u2022amendment to, clarification of or change in the official position or the interpretation of any administrative action or judicial decision or any interpretationor pronouncement that provides for a position with respect to an administrative action or judicial decision that differs from the previously generally acceptedposition, in each case by any legislative body, court, governmental authority or regulatory body, regardless of the time or manner in which that amendment,clarification or change is introduced or made known, that is enacted or effective on or after the initial issuance of the 2061 Subordinated Notes; or\n\u2022threatened challenge asserted in writing in connection with an audit of us, or a threatened challenge asserted in writing against any other taxpayer that hasraised capital through the issuance of securities that are substantially similar to the 2061 Subordinated Notes, which challenge is asserted against us or becomespublicly known on or after the initial issuance of the 2061 Subordinated Notes;\n(each of the above, a \u201cchange of tax law\u201d) there is more than an insubstantial risk that interest payable by us on the 2061 Subordinated Notes is not, or within 90days of the date of such opinion will not be, deductible, in whole or in part, by us for U.S. federal income tax purposes; provided that a change of tax law undersection 163(j) of the Internal Revenue Code of 1986, as amended (including any amendment to section 163(j), and any amendment to or the issuance of regulationsor another official administrative pronouncement under section 163(j)) (\u201csection 163(j)\u201d), shall not give rise to a \u201ctax event\u201d unless, in the opinion of independentcounsel experienced in such matters, the change of tax law under section 163(j) limits, defers or prohibits the deduction of interest on the 2061 Subordinated Notesin a manner or to an extent different from and more adverse than interest on senior debt obligations of ours by reason of the specific characteristics of the 2061Subordinated Notes.\n\u201cRegulatory capital event\u201d means that we become subject to capital adequacy supervision by a capital regulator and the capital adequacy guidelines that apply to usas a result of being so subject set forth criteria pursuant to which the", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4175, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "fcdaf618-d396-425c-ad66-394189d6fce5": {"__data__": {"id_": "fcdaf618-d396-425c-ad66-394189d6fce5", "embedding": null, "metadata": {"page_label": "165", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "0100ecc0-94ce-46d6-9ac2-834846fd47f5", "node_type": "4", "metadata": {"page_label": "165", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d280aab449617027e73622e5d3f44e930e8a8eb79655e525a5c71409eeac39f6", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "full principal amount of the 2061 Subordinated Notes would not qualify as capital under such capital adequacy guidelines, as we may determine at any time, in oursole discretion.\nNotice of any redemption will be mailed at least 15 days but not more than 60 days before the redemption date to each holder of 2061 Subordinated Notes to beredeemed at its registered address. Unless we default in payment of the redemption price and accrued interest, including any compounded interest, interest on the2061 Subordinated Notes or portions thereof called for redemption will cease to accrue on the redemption date.\nWe may not redeem the 2061 Subordinated Notes in part unless all accrued and unpaid interest (including deferred interest) has been paid in full on all outstanding2061 Subordinated Notes for all interest periods terminating on or before the redemption date.\nIn the event of any redemption, neither we nor the trustee will be required to:\n\u2022issue, register the transfer of, or exchange, 2061 Subordinated Notes during a period beginning at the opening of business 5 days before the day ofselection of 2061 Subordinated Notes for redemption and ending at the close of business on the day of mailing of notice of redemption; or\n\u2022transfer or exchange any 2061 Subordinated Notes so selected for redemption, except, in the case of any 2061 Subordinated Notes being redeemed in part,any portion thereof not to be redeemed.\nSubordination\nThe payment of the principal of and interest on the 2061 Subordinated Notes is expressly subordinated, to the extent and in the manner set forth in the subordinatednotes indenture, in right of payment and upon liquidation to the prior payment in full of all of our senior indebtedness, as defined in the subordinated notes indenture.\nThe 2061 Subordinated Notes offered hereby, will rank (1) senior to all of our equity securities and (2) equally with all of our existing and future paripassu securities.\nThe senior indebtedness will continue to rank prior in right of payment to the 2061 Subordinated Notes and entitled to the benefits of the subordination provisions ofthe subordinated notes indenture irrespective of any amendment, modification or waiver of any term of the senior indebtedness or extension or renewal of the seniorindebtedness. Notwithstanding anything to the contrary in the foregoing, senior indebtedness will not include (1) obligations to trade creditors created or assumed byus or the relevant subsidiary guarantor in the ordinary course of business or (2) indebtedness that is by its terms subordinate, or not superior, in right of payment tothe 2061 Subordinated Notes, including our pari passu securities.\nAs of December 31, 2024, we had approximately $1.4 billion of outstanding senior indebtedness. As of December 31, 2024, we had approximately $641.9 million ofoutstanding subordinated indebtedness. In each case, payments on the 2061 Subordinated Notes will also be effectively subordinated to all existing and futureliabilities of our subsidiaries to the extent of the assets of such subsidiaries, excluding our non-senior indebtedness but including future policy benefits and expenses,claims and benefits payable and separate account balances of $3.5 billion as of December 31, 2024.\nIf either of the following circumstances exist, we will first pay all senior indebtedness, including any interest accrued after such events occur, in full before we makeany payment or distribution, whether in cash, securities or other property, on account of the principal of or interest on the 2061 Subordinated Notes:\n\u2022in the event of any insolvency or bankruptcy proceedings, or any receivership, liquidation, reorganization, assignment for creditors or other similarproceedings or events involving us or our assets; or\n\u2022(a) in the event and during the continuation of any default in the payment of principal, premium (if any) or interest on any senior indebtedness beyond anyapplicable grace period, (b) in the event that any event of default", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4001, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "3406d5c2-01b9-4c59-a100-be3647315112": {"__data__": {"id_": "3406d5c2-01b9-4c59-a100-be3647315112", "embedding": null, "metadata": {"page_label": "166", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "63705541-a2d4-4c2b-a16b-9211f501c73a", "node_type": "4", "metadata": {"page_label": "166", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b378a344804c65625f9ca674f653154bffb836ebb9f101989d7206876de2e59e", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "with respect to any senior indebtedness has occurred and is continuing, permitting the direct holders of that senior indebtedness (or a trustee) to accelerate thematurity of that senior indebtedness, whether or not the maturity is in fact accelerated (unless, in the case of either (a) or (b), the payment default or event of defaulthas been cured or waived or ceases to exist and any related acceleration has been rescinded), or (c) in the event that any judicial proceeding is pending with respectto a payment default or event of default described in (a) or (b).\nIn such events, we will pay or deliver directly to the holders of senior indebtedness any payment or distribution otherwise payable or deliverable to holders of the2061 Subordinated Notes. We will make the payments to the holders of senior indebtedness according to priorities existing among those holders until we have paidall senior indebtedness, including accrued interest, in full.\nIf such events of insolvency or bankruptcy proceedings, or any receivership, liquidation, reorganization, assignment for creditors or other similar proceedings orevents involving us or our assets as described in the first bullet above occur, after we have paid in full all amounts owed on senior indebtedness, the holders of 2061Subordinated Notes together with the holders of any of our other pari passu securities will be entitled to receive from our remaining assets any principal of orpremium or interest on the 2061 Subordinated Notes and such other obligations due at that time before we make any payment or other distribution on account of anyof our capital stock or obligations ranking junior to the 2061 Subordinated Notes.\nIf we breach the subordinated notes indenture by making a payment or distribution to holders of the 2061 Subordinated Notes before we have paid all the seniorindebtedness in full, then such holders of the 2061 Subordinated Notes will have to pay or transfer the payments or distributions to the trustee in bankruptcy,receiver, liquidating trustee or other person distributing our assets for payment of the senior indebtedness.\nBecause of the subordination provisions, if we become insolvent, holders of senior indebtedness may receive more, ratably, and holders of the 2061 SubordinatedNotes having a claim pursuant to such securities may receive less, ratably, than our other creditors. This type of subordination will not prevent an event of defaultfrom occurring under the subordinated notes indenture in connection with the 2061 Subordinated Notes.\nThe subordinated notes indenture places no limitation on the amount of senior or pari passu indebtedness that we may incur. We expect from time to time to incuradditional indebtedness and other obligations constituting senior indebtedness.\nEvents of Default; Waiver and Notice\nAn \u201cevent of default\u201d with respect to the 2061 Subordinated Notes shall occur only upon certain events of bankruptcy, insolvency or receivership involving us.\nIf an event of default under the subordinated notes indenture occurs, the entire principal amount of the 2061 Subordinated Notes will automatically become due andpayable without any declaration or other action on the part of the trustee or any holder of the 2061 Subordinated Notes. There is no right of acceleration in the caseof any payment default or other breaches of covenants under the subordinated notes indenture or the 2061 Subordinated Notes. In the case of a default in thepayment of principal of or interest, including any compounded interest, on the 2061 Subordinated Notes, the holders may, or if directed by the holders of a majorityin principal amount of the 2061 Subordinated Notes, the trustee shall, subject to the conditions set forth in the subordinated notes indenture, demand payment of theamount then due and payable and may institute legal proceedings for the collection of such amount if we fail to make payment thereof upon demand.\nThe holders of a majority in aggregate principal amount of the outstanding 2061 Subordinated Notes may waive any past default, except:\n\u2022a default in payment of principal or interest; or", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4117, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "0a508fa3-17a0-4fb6-8f98-810cc12532ed": {"__data__": {"id_": "0a508fa3-17a0-4fb6-8f98-810cc12532ed", "embedding": null, "metadata": {"page_label": "167", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "5a8a6896-d7f1-44bd-89c1-30aab64ec737", "node_type": "4", "metadata": {"page_label": "167", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "c9b65e4c041500f0ba553e0c7d260a8d05b55cee1b9ad0daf56a4881a8b0f7d2", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "\u2022a default under any provision of the subordinated notes indenture that itself cannot be modified or amended without the consent of the holders of alloutstanding 2061 Subordinated Notes.\nThe holders of a majority in principal amount of the 2061 Subordinated Notes will have the right to direct the time, method and place of conducting any proceedingfor any remedy available to the trustee, subject to the provisions of the subordinated notes indenture.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 452, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "11ead19c-baf6-4b6d-bef1-b14dc2a05a13": {"__data__": {"id_": "11ead19c-baf6-4b6d-bef1-b14dc2a05a13", "embedding": null, "metadata": {"page_label": "168", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "03187f1f-44b9-410a-858f-12d15836be25", "node_type": "4", "metadata": {"page_label": "168", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e9b6b5029ff558ae41a23c3dd3727c26def1d87bda1949b81853d7f1b048d142", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Exhibit 10.12\nAMENDED AND RESTATED ASSURANT, INC.EXECUTIVE SHORT TERM INCENTIVE PLAN\nSECTION 1.    Purpose, Definitions\n1.1 Purpose. The purpose of this Amended and Restated Assurant, Inc. Executive Short Term Incentive Plan (\u201cPlan\u201d) is to advance\nthe interests of the Company and its stockholders in attracting, retaining, and motivating executive officers by providing financialrewards based on achievement of certain performance goals established for each Performance Period beginning with theCompany\u2019s fiscal year 2008. This Plan was amended and restated by the Committee effective as of November 18, 2024.\n1.2 Definitions. Whenever used in the Plan, the following capitalized terms have the meanings set forth below. Capitalized termsused in the Plan but not defined in this Plan below shall have the meanings set forth in the Amended and Restated Assurant, Inc.2017 Long Term Equity Incentive Plan, as may be amended from time to time (the \u201cALTEIP\u201d).\n(a)\u201cAct\u201d means the Securities Exchange Act of 1934, as amended, and any regulations promulgated thereunder.\n(b)\u201cAdministrator\u201d means the Committee or such delegates as may be administering the Plan in accordance with Section 2 of thePlan and Applicable Law.\n(c)\u201cAffiliate\u201d means any Subsidiary or other entity that is directly or indirectly controlled by the Company or any entity in which theCompany has a significant ownership interest as determined by the Administrator.\n(d)\u201cApplicable Law\u201d shall have the meaning given to that term in the ALTEIP.\n(e)\u201cAssurant Group\u201d means the Company, its Affiliates and any successors thereto.\n(f) Award\u201d means the cash bonus opportunity granted to a Participant under the Plan. An Award is considered \u201cgranted\u201d when theParticipant to whom the Award is granted is selected, pursuant to Section 3.1, as eligible to receive that Award.\n(g)\u201cBeneficiary\u201d means the Participant\u2019s surviving spouse or, if none, the Participant\u2019s surviving descendants (who shall take perstirpes) and if there are no surviving descendants, the Beneficiary shall be the Participant\u2019s estate.\n(h)\u201cBoard\u201d means the Board of Directors of the Company.\n(i) \u201cChange in Control\u201d shall have the meaning given to that term in the ALTEIP.\n1", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2201, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "b6e91943-7a77-4306-8538-449811b34ea9": {"__data__": {"id_": "b6e91943-7a77-4306-8538-449811b34ea9", "embedding": null, "metadata": {"page_label": "169", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a667da6b-59d8-4b59-a061-ae69a3eeace0", "node_type": "4", "metadata": {"page_label": "169", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "9ecb08c6db32addd6dccc1d574ebe0b027269af0bfedb4c312b6294203d079bc", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "(j) \u201cCode\u201d means the Internal Revenue Code of 1986, as amended, and any regulations and rulings of general applicability issued\nthereunder.\n(k)\u201cCommittee\u201d shall have the meaning given to that term in the ALTEIP.\n(l) \u201cCompany\u201d means Assurant, Inc., a Delaware corporation, or any successor thereto.\n(m)\u201cCompetitor\u201d means, unless the Administrator determines otherwise, any person or business that competes with the products orservices provided by a member of the Assurant Group for which participant had business responsibilities within 24 months priorto a termination of employment or about which participant obtained Confidential Information.\n(n)\u201cCompetitor Conduct\u201d means, unless the Administrator determines otherwise, accepting employment with, or directly or indirectlyproviding services to, a Competitor. If participant has a termination of employment and participant\u2019s responsibilities to theAssurant Group were limited to a specific territory or territories during the 24 months prior to the termination of employment, then\nCompetitor Conduct will be limited to that specific territory or territories within or outside of the United States.\n(o)\u201cConfidential Information\u201d means any and all data and information relating to the Company, its activities, business, or clients that(i) is disclosed to participant or of which participant becomes aware as a consequence of participant\u2019s employment with the\nCompany; (ii) has a value to the Company monetarily or otherwise; and (iii) is not generally known outside of the Company.\n(p)\u201cDisability\u201d shall have the meaning given to that term in the ALTEIP.\n(q)\u201cEligible Employee\u201d means a regular, active employee of the Company or any Subsidiary, or a prospective employee of the\nCompany or any Subsidiary, who is expected to be among the members of the Management Committee reporting directly to theCEO and officers of the Company who are subject to Section 16 of the Act, as amended from time to time, as of the last day of agiven Performance Period.\n(r) \u201cIndividual Agreement\u201d means an employment, severance, change in control severance, or similar agreement between aParticipant and the Company or between the Participant and any of the Company\u2019s Subsidiaries or Affiliates. For purposes of thisPlan, an Individual Agreement shall be considered \u201coperative\u201d during its term; provided that an Individual Agreement under which\nseverance or other substantive protections, compensation and/or benefits are provided only following a change in control ortermination of employment in anticipation of a change in control shall not be considered \u201coperative\u201d until the occurrence of achange in control or termination of employment in anticipation of a change in control, as applicable.\n2", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2727, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "39dc1b52-ee79-4579-b65b-4cc03efccf80": {"__data__": {"id_": "39dc1b52-ee79-4579-b65b-4cc03efccf80", "embedding": null, "metadata": {"page_label": "170", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "344564ca-57f1-4381-a236-1eb737736ce1", "node_type": "4", "metadata": {"page_label": "170", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "4922b1a8f039489d08be5c8604227255da017a57ecf866613ece763cf71e7d57", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "(s) \u201cManagement Committee\u201d means the management committee of the Company.\n(t) \u201cMisconduct\u201d means unless the Administrator determines otherwise:\n(1)disclosing or using any of the Assurant Group\u2019s Confidential Information without proper authorization from the AssurantGroup or in any capacity other than as necessary for the performance of participant\u2019s assigned duties for the Assurant\nGroup;\n(2)violation of the Code of Ethics or any successor code of conduct or other applicable Assurant Group policies, includingbut not limited to conduct which would constitute a breach of any representation or certificate of compliance signed by\nParticipant;\n(3)fraud, gross negligence or willful misconduct by participant, including but not limited to fraud, gross negligence or willfulmisconduct causing or contributing to an error resulting in a restatement of the financial statements of any member of the\nAssurant Group;\n(4)directly or indirectly soliciting or recruiting for employment or contract work on behalf of a person or entity other than amember of the Assurant Group, any person who is an employee, representative, officer or director in the Assurant Group\nor who held one or more of those positions at any time within the 12 months prior to Participant\u2019s termination ofemployment;\n(5)directly or indirectly inducing, encouraging or causing an employee of the Assurant Group to terminate their employmentor a contract worker to terminate their contract with a member of the Assurant Group;\n(6)any action by participant and/or their representatives that either does or could reasonably be expected to undermine,diminish or otherwise damage the relationship between the Assurant Group and any of its customers, prospectivecustomers, vendors, suppliers or employees known to Participant; or\n(7)breaching any provision of any employment or severance agreement with a member of the Assurant Group.\n(u)\u201cParticipant\u201d means an Eligible Employee selected by the Committee to participate in the Plan for a given Performance Period.\n(v)\u201cPerformance Goal\u201d means the targeted levels of achievement using one or more of the measures determined by the\nCommittee, in its sole discretion, to be applicable to a Participant during a Performance Period.\n3", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2239, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "76dee52b-c3f1-43f9-a689-f0b281f34a41": {"__data__": {"id_": "76dee52b-c3f1-43f9-a689-f0b281f34a41", "embedding": null, "metadata": {"page_label": "171", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "5c17dd6e-810a-4f92-abc0-96fdaef89bbf", "node_type": "4", "metadata": {"page_label": "171", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "6e8195973b903bb336f3900cc5be06e5882f28048d76ba0b4771f3db94dea540", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "(w)\u201cPerformance Period\u201d means the Company\u2019s fiscal year, or such other period as the Committee shall establish, from time to time,in its sole discretion.(x)\u201cRetirement\u201d means, unless the Administrator determines otherwise or as required by local law outside the United States,\ntermination of employment (other than by reason of death or disability and other than in the event of Termination for Cause) fromthe Company and its Affiliates from either (i) attaining age fifty-five (55) and completing at least ten (10) years of ContinuousService with the Company and its Affiliates or (ii) attaining age sixty-five (65) and competing at least three (3) years of\nContinuous Service with the Company and its Affiliates.\n(y)\u201cSubsidiary\u201d means any corporation, limited liability company, partnership, or other entity of which a majority of the outstandingvoting stock or voting power is beneficially owned directly or indirectly by the Company.\n(z) \u201cTermination of Service\u201d shall have the meaning given to that term in the ALTEIP.\n(aa)\u201cTermination for Cause\u201d means termination of employment from the Company and its Affiliates on account of any act of fraud orintentional misrepresentation or embezzlement, misappropriation or conversion of assets of the Company or any Affiliate, or the\nintentional violation of the written policies or procedures of the Company; provided that for a Participant who is eligible forseverance benefits under the Assurant, Inc. Severance Pay Plan or is party to an individual severance or employmentagreement defining Termination for Cause, \u201cTermination for Cause\u201d has the meaning set forth in such plan or agreement. For\npurposes of this Plan, a Participant\u2019s termination of employment will be deemed to be a Termination for Cause if, after theParticipant\u2019s employment has terminated, facts and circumstances are discovered that would have justified, in the opinion of theAdministrator, a Termination for Cause.\nSECTION 2.    Administration\n2.1.    General. The Plan shall be administrated by the Administrator. The Administrator shall have exclusive and final authority,\ndiscretion, and power, subject to the terms of the Plan to:\n(a)Select the Eligible Employees who will be designated as Participants in the Plan and to whom Awards may from time to time begranted;\n(b)Determine the terms and conditions of each Award granted hereunder, based on such factors as the Committee shall determine;\n(c)Interpret the terms and provisions of the Plan and any Award issued under the Plan (and any agreement relating thereto); and\n(d)Otherwise administer the Plan.\n4", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2583, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "353a55ae-29b3-44d5-a9a2-1bd8b8131a3f": {"__data__": {"id_": "353a55ae-29b3-44d5-a9a2-1bd8b8131a3f", "embedding": null, "metadata": {"page_label": "172", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "5bd6cde2-1607-455a-9fa8-aa7c3aa6ac78", "node_type": "4", "metadata": {"page_label": "172", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ac7cfce302fe03f7de686adf11fa335fd5e8bf5ed70f966a665b510a8ca0a737", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "2.2.    Procedures. The Committee may, unless otherwise prohibited by Applicable Law, allocate all or any portion of its responsibilitiesand powers to any one of more of its members as Administrator and may delegate all or any part of its responsibilities and powers toany person or persons selected by it. Without limiting the generality of the foregoing, the Committee may not delegate its powers and\nresponsibilities to (a) designate Participants, (b) establish Performance Periods, and (c) certify amounts pursuant to Section 3.2 hereof.\n2.3.    Discretion; Decisions Binding. Any determination made pursuant to the Plan by the Administrator with respect to any Awardshall be made in the sole discretion of the Administrator. All decisions made by the Administrator pursuant to the provisions of the Plan\nshall be final and binding on all persons, including the Company, Participants, and Eligible Employees.\n2.4.    Expenses. All expenses and liabilities incurred by the Administrator in connection with the administration of the Plan shall beborne by the Company.\nSECTION 3.    Eligibility and Award Terms\n3.1.    Selection of Participants and Granting of Awards for a Performance Period. The Committee shall determine the Participantsto whom Awards for a Performance Period are granted within 120 days after the Performance Period begins.\n3.2.    Discretionary Adjustment. The Committee may determine in its sole discretion that for any Performance Period, the totalaggregate Awards or any individual Award actually paid shall be based on such factors as it determines to be appropriate.\n3.3.    Certification. Following the close of each Performance Period and prior to payment of any Awards for that Performance Period,\nthe Committee will certify the applicable enterprise performance metrics achieved for that Performance Period.\n3.4.    Timing of Payment. Payment of each Award will be made as soon as practicable after the Committee has completed thecertification required by Section 3.3 for the applicable Performance Period and determined the actual amount to be paid pursuant the\nAward, but in no event shall payment occur later than the 15th day of the third calendar month after the end of the calendar year inwhich such Award first ceased to be subject to a substantial risk of forfeiture within the meaning of Section 409A of the Code and thetreasury regulations thereunder, unless the Participant has made a valid and timely election to defer receipt of the Award in accordance\nwith an applicable deferred compensation plan.\n3.5.    Form of Payment. Each Award under the Plan shall be paid in cash or its equivalent. The Committee in its sole discretion may,however, determine that all or a portion of an Award shall be paid in stock, restricted stock, stock options, stock appreciation rights, or\nother stock based or stock denominated units, which shall be issued pursuant to the Company\u2019s equity compensation plans in existenceat the time the Award is certified.\n5", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2987, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "0c153fb0-f2b6-41ad-98f3-3c2c2a35dc87": {"__data__": {"id_": "0c153fb0-f2b6-41ad-98f3-3c2c2a35dc87", "embedding": null, "metadata": {"page_label": "173", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "dec64b9a-f055-49a0-abfe-5f1823b83d44", "node_type": "4", "metadata": {"page_label": "173", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "03c24088ab2bafb9864f518c3d6825980eb1338149b8a4cc05ba47b9b2bea504", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "3.6.    Recoupment. Each Participant who receives an Award under the Plan acknowledges that each Award is granted subject to theterms of this Section 3.6.\n(a)Financial Restatements. The Plan will be administered in compliance with Section 10D of the Act, including Rule 10D-1 and\nSection 303A.14 of the New York Stock Exchange Listed Company Manual and the Assurant, Inc. Compensation ClawbackPolicy, as may be amended from time to time.\n(b)Other Special Repayment and Forfeiture Events. If a Participant engages in Misconduct or Competitor Conduct, as determined\nby the Administrator, during employment or within 12 months after a termination of employment for any reason, then (i) theParticipant forfeits any Award that has not yet been paid (including any amounts subject to elective or mandatory deferral) and(ii) the Participant will, within 30 days following written notice from the Company, pay to the Company in cash an amount equal to\n(A) the gross amount of any Award paid to the Participant at any time within the last 12 months before a termination ofemployment less (B) $1.00.\n(c)Nothing in this Plan or otherwise limits a Participant\u2019s ability to communicate directly with and provide information, including\ndocuments, not otherwise protected from disclosure by any applicable law or privilege to the Securities and ExchangeCommission (\u201cSEC\u201d) or any other federal, state or local governmental agency or commission (\u201cGovernment Agencies\u201d) regardingpossible legal violations, without disclosure to the Company.  The Company may not retaliate against the Participant for any of\nthese activities, and nothing in this Plan or otherwise requires the Participant to waive any monetary award or other payment thatthe Participant might become entitled to from the SEC or any other Government Agency.  Nothing in this Plan or otherwiserequires a Participant to disclose any communications the Participant may have had or information the Participant may have\nprovided to the SEC or any other Government Agencies regarding possible legal violations. Notwithstanding anything to thecontrary in this Plan or otherwise, as provided for in the Defend Trade Secrets Act of 2016 (18 U.S.C. \u00a7 1833(b)), a Participantwill not be held criminally or civilly liable under any federal or state trade secret law for the disclosure of a trade secret that (i) is\nmade (A) in confidence to a federal, state, or local government official, either directly or indirectly, or to an attorney, and (B)solely for the purpose of reporting or investigating a suspected violation of law; or (ii) is made in a complaint or other documentfiled in a lawsuit or other proceeding, if such filing is made under seal. Without limiting the foregoing, if a Participant files a\nlawsuit for retaliation by Company for reporting a suspected violation of law, the Participant may disclose the trade secret to theParticipant\u2019s attorney and use the trade secret information in the court proceeding, if the Participant (x) files any documentcontaining the trade secret under seal, and (y) does not disclose the trade secret, except pursuant to court order. Nothing in this\nPlan or otherwise is intended to limit, nor does it limit, any applicable rights that a Participant may have under Section 7 of theNational Labor Relations Act.\n6", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3295, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "41df44a5-49ef-4336-8c00-7cd9b6758bdd": {"__data__": {"id_": "41df44a5-49ef-4336-8c00-7cd9b6758bdd", "embedding": null, "metadata": {"page_label": "174", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "7bcf02ca-f33e-4e39-ae7f-c3728260dbf6", "node_type": "4", "metadata": {"page_label": "174", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "aeae6b53d6308ade2948c2c0160a566122e9bea691c5284cafc82a9a30d79670", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "3.7.    Employment Requirement. Except as otherwise provided in Section 4, no Award shall be paid to any Participant who is notactively employed by the Company or an Affiliate on the last day of the Performance Period.\nSECTION 4.    Terminations\n4.1.    Discretion of Committee. Without limiting the generality of Section 3.2, a Participant who terminates employment with theCompany for any reason during a Performance Period may, in the Committee\u2019s discretion, receive an Award in such an amount as theCommittee deems to be appropriate, generally pro-rated for time worked during the Performance Period. Pro-ration will not apply in the\ncase of a termination on or after the last day of the Performance Period; however, the Award amount will still be such as the Committeedeems to be appropriate. Awards payable for any reason other than Disability or death shall not be paid until the end of the PerformancePeriod and the Committee\u2019s certification as described in Section 3.3 and determination of the amount to be paid as described in Section\n3.4. Awards payable in the event of death shall be paid to the Participant\u2019s Beneficiary.\n4.2.    Change in Control. Notwithstanding any other provision of the Plan to the contrary, upon a Change in Control:\n(a)With respect to each Award that is then outstanding and unpaid, the Participant shall be paid an amount based on the level ofachievement of the Performance Goals for the Award as determined by the Committee not later than the date of the Changein Control, taking into account performance through the latest date preceding the date of the Change in Control as to whichperformance can, as a practical matter, be determined (but not later than the end of the Performance Period); and\n(b)Such Awards shall be paid as soon as practicable after the amounts have been determined, but in any event no later thanMarch 15 of the calendar year following the year in which the Change in Control took place, except to the extent that aParticipant has made a valid and timely election to defer receipt of any Award in accordance with an applicable deferredcompensation plan, in which case the terms of such election and such plan shall control.\nSECTION 5.    Amendment\n5.1.    Amendment of Plan. The Board or the Committee may amend, alter, or discontinue the Plan, but no amendment, alteration, ordiscontinuation shall be made by the Board or the Committee which would materially impair the rights of the Participant with respect to apreviously granted Award, or any Award pursuant to Section 4.2, without such Participant\u2019s consent, except such an amendment madeto comply with Applicable Law, tax rules, stock exchange rules, or accounting rules.\nSECTION 6. Miscellaneous\n7", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2717, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "56fb0a10-257a-45d5-9222-234d32edf539": {"__data__": {"id_": "56fb0a10-257a-45d5-9222-234d32edf539", "embedding": null, "metadata": {"page_label": "175", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "ce3161f0-0c07-4771-9d4a-acf2286b2c6d", "node_type": "4", "metadata": {"page_label": "175", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e971622387eed9ce76b53dfb0bd1c1211050d9ed4f16f52f8efb85e0f0b0fc51", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "6.1.    Compliance with Legal Requirements. The Plan and the grant of Awards shall be subject to all Applicable Laws, rules andregulations, and to such approvals by any regulatory or governmental agency as may be required.\n6.2.    Governing Law. The Plan and all Awards made and actions taken thereunder shall be governed by and construed in accordancewith the laws of the State of Delaware, without reference to principles of conflict of laws.\n6.3.    Withholding Taxes. The Company shall have the right to make payment of Awards net of any applicable federal, state and localtaxes required to be withheld, or to require the Participant to pay such withholding taxes. If the Participant fails to make such taxpayments as required, the Company shall, to the extent permitted by law, have the right to deduct any such taxes from any payment ofany kind otherwise due to such Participant or to take such other action as may be necessary to satisfy such withholding obligations.\n6.4.    No Right to Employment. Nothing in the Plan shall interfere with or limit in any way the right of the Company or any Subsidiaryto terminate any Participant\u2019s employment at any time, nor confer upon any Participant any right to continue in the employ of theCompany or any Subsidiary.\n6.5.    No Right to Participate. No Eligible Employee shall have any right to be selected to participate in the Plan in any PerformancePeriod.\n6.6.    Nontransferability. No Award may be sold, assigned, transferred, pledged, hypothecated, or otherwise disposed of, includingassignment pursuant to a domestic relations order, prior to certification of the Award. Each Award shall be paid during the Participant\u2019slifetime only to the Participant, or, if permissible under Applicable Law, to the Participant\u2019s legal representatives. No Award shall, prior toreceipt thereof by the Participant, be in any manner subject to the debts, contracts, liabilities, or torts of the Participant.\n6.7.    Severability. If any provision of the Plan is, becomes, or is deemed to be invalid, illegal, or unenforceable in any jurisdiction, orwould disqualify the Plan under any law deemed applicable by the Committee, such provision shall be construed or deemed amendedto conform to Applicable Laws; or, if it cannot be so construed or deemed amended without, in the determination of the Committee,materially altering the purpose or intent of the Plan, such provision will be stricken as to such jurisdiction, and the remainder of the PIanshall remain in full force and effect.\n6.8.    No Fund Created. Neither the Plan nor any Award shall create or be construed to create a trust or separate fund of any kind or afiduciary relationship between the Company and a Participant or any other person. To the extent that any person acquires a right toreceive payments from the Company pursuant to an Award, such right shall be no greater than the right of any unsecured generalcreditor of the Company or any Subsidiary.\n6.9.    Expenses. The expenses of administering the Plan shall be borne by the Company and its Subsidiaries or Affiliates.\n8", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3085, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "eab59fdc-7a3b-45f1-ac4b-bd480bc7f416": {"__data__": {"id_": "eab59fdc-7a3b-45f1-ac4b-bd480bc7f416", "embedding": null, "metadata": {"page_label": "176", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "6e67df0c-c7dc-4ca4-b1a7-e37c6ea69b10", "node_type": "4", "metadata": {"page_label": "176", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "334cb530aa4ad878021e71eef2c9c96be84d93aa0baef2331c5b06fb6416666a", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "6.10.    Titles and Headings. The titles and headings of the Sections in the Plan are for convenience of reference only, and in the eventof any conflict, the text of the Plan, rather than such titles or headings, shall control.\n6.11.    Successors and Assigns. The terms of the Plan shall be binding upon and inure to the benefit of the Company and anysuccessor entity.\n6.12.    Special Provisions Relating to Section 409A of the Code. Section 15.22 of the ALTEIP is hereby incorporated by reference,as applicable.\n6.13.    Non-Exclusivity of Plan. Neither adoption of the Plan by the Board nor submission of the Plan to the stockholders of theCompany for approval shall be construed as creating any limitations on the power of the Board or the Committee to adopt such otherincentive arrangements as either may deem desirable, including, without limitation, cash or equity-based compensation arrangements,either tied to performance or otherwise.\n9", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 947, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "308bfab3-cbef-4760-b295-1cb7422a838b": {"__data__": {"id_": "308bfab3-cbef-4760-b295-1cb7422a838b", "embedding": null, "metadata": {"page_label": "177", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "e1ab9d16-409e-4d92-b422-46cb311ed60c", "node_type": "4", "metadata": {"page_label": "177", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "a88c4183143ca793af28336b0aa82f8874fc3e369f98f9d51627c641e8112a44", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Exhibit 10.13\nASSURANT DEFERRED COMPENSATION PLAN Amended and RestatedEffective as of January 1, 2025", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 101, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "2c550015-7762-43d6-948d-1bc4c13adec2": {"__data__": {"id_": "2c550015-7762-43d6-948d-1bc4c13adec2", "embedding": null, "metadata": {"page_label": "178", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "160d9dba-38eb-45e8-bb61-583bbeeaa587", "node_type": "4", "metadata": {"page_label": "178", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "dcfa9fa0b8e1f7d81ef7c3390e77af24eacdc75b254f05366750772acf7faf89", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "- 1 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 5, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "b447f2d0-9104-4e47-a9b0-2b91575551eb": {"__data__": {"id_": "b447f2d0-9104-4e47-a9b0-2b91575551eb", "embedding": null, "metadata": {"page_label": "179", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "43c8709d-686c-4021-99cb-b2aeb3eb6ab6", "node_type": "4", "metadata": {"page_label": "179", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d8ef5496be143dcefd761bb746482f9a3682e2132cb09ac17ad1e4b55031d9c9", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Table of Contents PagePurpose. 1ARTICLE 1 Definitions 1ARTICLE 2 Selection/Enrollment/Eligibility. 62.1... Eligibility. 62.2... Enrollment Requirements 62.3... Commencement of Participation. 72.4... Termination of Participation. 7ARTICLE 3 Deferral Commitments/Company Contributions/Crediting/Taxes 73.1... Minimum Deferral 73.2... Maximum Deferral 73.3... Election to Defer/Change in Election. 83.4... Withholding of Annual Deferral Amounts 93.5... Annual Company Discretionary Amount 93.6... Investment of Trust Assets 93.7... Vesting. 103.8... Crediting/Debiting of Account Balances 103.9... FICA and Other Taxes 123.10.. Distributions 133.11.. Recoupment 13ARTICLE 4 Fixed Date Payout/Unforeseeable Financial Emergencies 134.1... Fixed Date Payout 134.2... Other Benefits Take Precedence Over Fixed Date Payout 144.3... Withdrawal Payout/Suspensions for Unforeseeable Financial Emergencies 15ARTICLE 5 Termination Benefit 155.1... Termination Benefit 155.2... Payment Termination Benefit 15ARTICLE 6 Survivor Benefit 166.1... Pre-Termination Survivor Benefit 166.2... Payment of Pre-Termination Survivor Benefit 166.3... Death Prior to Completion of Termination or Disability Benefit 16ARTICLE 7 Disability Benefit 167.1... Disability Benefit 167.2... Payment of Disability Benefit 16ARTICLE 8 Beneficiary Designation. 178.1... Beneficiary. 178.2... Beneficiary Designation/Change. 178.3... Acceptance. 178.4... No Beneficiary Designation. 178.5... Doubt as to Beneficiary. 178.6... Discharge of Obligations 18ARTICLE 9 Leave of Absence. 189.1... Paid Leave of Absence. 189.2... Unpaid Leave of Absence. 18ARTICLE 10 Termination/Amendment/Modification. 1810.1.. Termination. 18\n- 2 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1687, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "b9b3dece-d339-4cf9-9235-f10edaa58a61": {"__data__": {"id_": "b9b3dece-d339-4cf9-9235-f10edaa58a61", "embedding": null, "metadata": {"page_label": "180", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "6aa4e3d8-a9ee-4c68-9aa4-383c67544a1e", "node_type": "4", "metadata": {"page_label": "180", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "24afc967823a67026a30e62b70b5ac3b03fb7b916a902649b50e8510736ee4ab", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "10.2.. Amendment 1910.3.. Effect of Payment 1910.4.. Amendment to Ensure Proper Characterization of the Plan. 1910.5.. Changes in Law Affecting Taxability. 2010.6.. Prohibited Acceleration/Distribution Timing. 20ARTICLE 11 Administration. 2111.1.. Administrator Duties 2111.2.. Agents 2211.3.. Binding Effect of Decisions 2211.4.. Indemnity of Administrators 2211.5.. Company Information. 2211.6.. Committee Membership. 22ARTICLE 12 Other Benefits and Agreements 2312.1.. Coordination with Other Benefits 23ARTICLE 13 Claims Procedures 2313.1.. Scope of Claims Procedures 2313.2.. Initial Claim. 2413.3.. Review Procedures 2513.4.. Calculation of Time Periods 2713.5.. Legal Action. 27ARTICLE 14 Trust 2814.1.. Establishment of the Trust 2814.2.. Interrelationship of the Plan and the Trust 2814.3.. Distributions from the Trust 28ARTICLE 15 Miscellaneous 2815.1.. Status of Plan. 2815.2.. Unsecured General Creditor 2815.3.. Company\u2019s Liability. 2815.4.. Nonassignability. 2815.5.. Not a Contract of Employment 2915.6.. Furnishing information. 2915.7.. Terms 2915.8.. Captions 2915.9.. Governing Law. 2915.10 Notice. 2915.11 Successors 3015.12 Spouse\u2019s Interest 3015.13 Validity. 3015.14 Incompetent 3015.15 Court Order 3015.16 Distribution in the Event of Taxation. 3015.17 Insurance. 3115.18 Aggregation of Employers 31 Page\n- 3 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1333, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "c87c5407-811f-45c7-aed0-a022344f3782": {"__data__": {"id_": "c87c5407-811f-45c7-aed0-a022344f3782", "embedding": null, "metadata": {"page_label": "181", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "2ce09123-790f-42f6-a1b1-5350a7b39a34", "node_type": "4", "metadata": {"page_label": "181", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "c40ba58547d0b879b4cf3b8ba25e2e7c57798192efa981bee7def99c5269bb69", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "ASSURANT DEFERRED COMPENSATION PLAN\nAmended and Restated\nEffective as of January 1, 2025\nPurpose\nThe purpose of this Assurant Deferred Compensation Plan (the \u201cPlan\u201d), as amended and restated, is to provide specifiedbenefits to a select group of management or highly compensated employees of Assurant, Inc. (the \u201cSponsor\u201d) and its affiliates (theSponsor, as well as each such affiliate, hereinafter are referred to collectively as the \u201cCompany\u201d), and also to provide such benefits tonon-employee members of the board of directors of the Sponsor.\nThe Plan as amended and restated effective March 1, 2005 (the \u201cPrior Plan\u201d) was an amendment and restatement of theAssurant Investment Plan, attached as Appendix 1 to the Prior Plan, the terms of which were not materially modified after October 3,2004. Notwithstanding any provision of the Plan to the contrary, but subject to Section 11.1, amounts deferred and vested under thePlan prior to January 1, 2005, plus any earnings or losses thereon, are governed by the terms of Appendix 1 to the Prior Plan, while allamounts deferred or vested under the Plan on or after January 1, 2005 and before January 1, 2008, plus any earnings or lossesthereon, are governed by the remaining provisions of the Prior Plan. The Plan was most recently amended and restated effectiveJanuary 1, 2008, and amounts deferred under the Plan on or after January 1, 2008, plus any earnings or losses thereon, were governedby the provisions of this Plan then in effect. Effective January 1, 2025, this Plan is again being amended and restated, in order toincorporate all interim amendments, and to make certain clarifications and other administrative changes.\nThis Plan shall be unfunded for tax purposes and for purposes of Title I of the Employee Retirement Income Security Act of1974, as amended (\u201cERISA\u201d). This Plan is intended to comply with the requirements of Section 409A of the Internal Revenue Code of1986, as amended (the \u201cCode\u201d), as added by the American Jobs Creation Act of 2004, and the Treasury regulations or any otherauthoritative guidance issued thereunder (\u201cSection 409A\u201d) with respect to amounts deferred on or after January 1, 2005, plus anyearnings or losses thereon.\n- 4 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2215, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "7146f5f9-ba6d-4ecf-9490-02a358aedcd4": {"__data__": {"id_": "7146f5f9-ba6d-4ecf-9490-02a358aedcd4", "embedding": null, "metadata": {"page_label": "182", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "52c741c4-aa2a-4391-8913-1f2b9b79689a", "node_type": "4", "metadata": {"page_label": "182", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "00d11fc2fd4718b79d8a3af9f58609c0c4adb69c434c3edb3b1daf351b354ebe", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "ARTICLE 1Definitions\nFor purposes of this Plan, unless otherwise clearly apparent from the context, the following phrases or terms shall have thefollowing indicated meanings:\n1.1\u201cAccount Balance\u201d shall mean, with respect to a Participant, a credit on the records of the Company equal to the sum of (i) theDeferral Account balance and (ii) the Company Discretionary Account balance. The Account Balance, and each other specifiedaccount balance, shall be a bookkeeping entry only and shall be utilized solely as a device for the measurement and determinationof the amounts to be paid to a Participant, or the Participant\u2019s designated Beneficiary, pursuant to this Plan.\n1.2 \u201cAdministrator\u201d shall mean the Benefit Plans Committee.\n1.3 \u201cAnnual Base Salary\u201d shall mean the annual cash compensation relating to services performed during any calendar year,whether or not paid in such calendar year or included on the Federal Income Tax Form W-2 for such calendar year, excludingIncentive Payments, Directors Fees, overtime, fringe benefits, stock options, relocation expenses, non-monetary awards, fees,automobile and other allowances paid to a Participant for employment services rendered (whether or not such allowances areincluded in the Employee\u2019s gross income). Annual Base Salary shall be calculated without regard to any reductions forcompensation voluntarily deferred or contributed by the Participant pursuant to all qualified or non-qualified plans of theCompany (and therefore shall be calculated to include amounts not otherwise included in the Participant\u2019s gross income underCode Sections 125, 402(e)(3), 402(h) or 132(f)(4) pursuant to plans established by the Company).\n1.4 \u201cAnnual Company Discretionary Amount\u201d shall mean, for the Plan Year of reference, the amount determined in accordance withSection 3.5.\n1.5 \u201cAnnual Deferral Amount\u201d shall mean that portion of a Participant\u2019s Annual Base Salary and/or Incentive Payments, or DirectorsFees that a Participant elects to have, and is, deferred in accordance with Article 3, for the Plan Year of reference. For purposesof the Plan, a deferral of a Participant\u2019s Annual Base Salary shall be considered as deferred for the Plan Year in which theservices giving rise to the Annual Base Salary are performed and a deferral of a Participant\u2019s Incentive Payments or DirectorsFees shall be considered as deferred for the Plan Year in which the Incentive Payments or Directors Fees would, but for thedeferral election, have been payable to the Participant. In the event of a Participant\u2019s Disability, death or a Separation fromService prior to the end of a Plan Year, such year\u2019s Annual Deferral Amount shall be the actual amount withheld prior to suchevent.\n1.6 \u201cBeneficiary\u201d shall mean one or more persons, trusts, estates or other entities, designated in accordance with Article 8, that areentitled to receive benefits under this Plan upon the death of a Participant.\n- 5 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2928, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "25cf4dfd-d9a6-4dd0-9f3c-c5dde02c35bf": {"__data__": {"id_": "25cf4dfd-d9a6-4dd0-9f3c-c5dde02c35bf", "embedding": null, "metadata": {"page_label": "183", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a6257d05-9256-485d-bf2b-c1e3e92a08e0", "node_type": "4", "metadata": {"page_label": "183", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "5c870b66f5477ddfa2ea3dc06aceefbf64b10e3e9740baf19372cf56d6c6dc2e", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "1.7 \u201cBeneficiary Designation Form\u201d shall mean the form established from time to time by the Administrator that a Participantcompletes and returns to the Administrator to designate one or more Beneficiaries.\n1.8 \u201cBoard\u201d shall mean the board of directors of the Sponsor, or a committee thereof duly appointed to act on behalf of the Board inrespect of the Plan.\n1.9 \u201cClaimant\u201d shall have the meaning set forth in Section 13.2.\n1.9.1 \u201cClawback Policy\u201d means the Assurant, Inc. Compensation Clawback Policy, as may be amended from time to time.\n1.10 \u201cCode\u201d shall mean the Internal Revenue Code of 1986, as amended from time to time.\n1.11 \u201cCompany\u201d shall mean the Sponsor and any affiliate of the Sponsor that adopts this Plan with the approval of the Administrator,and any successor to all or substantially all of the Company\u2019s assets or business.\n1.12 \u201cCompany Discretionary Account\u201d shall mean (i) the sum of the Participant\u2019s Annual Company Discretionary Amounts, plus (ii)amounts credited or debited in accordance with all the applicable crediting provisions of this Plan that relate to the Participant\u2019sCompany Discretionary Account, less (iii) all distributions made to the Participant or the Participant\u2019s Beneficiary pursuant to thisPlan that relate to the Participant\u2019s Company Discretionary Account.\n1.13 \u201cDeduction Limitation\u201d shall mean the following described limitation on a benefit that may otherwise be distributable pursuant tothe provisions of this Plan. Except as otherwise provided, this limitation shall be applied to all distributions that are \u201csubject to theDeduction Limitation\u201d under this Plan. If the Administrator determines in good faith that there is a reasonable likelihood that anycompensation paid to a Participant for a taxable year of the Company would not be deductible by the Company solely by reasonof the limitation under Code Section 162(m), then to the extent deemed necessary by the Administrator to ensure that the entireamount of any distribution to the Participant pursuant to this Plan is deductible, the Administrator may delay all or any portion ofa distribution under this Plan. Any amounts deferred pursuant to this limitation shall continue to be credited or debited withadditional amounts in accordance with Section 3.8 below, even if such amount is being paid out in installments. The amounts sodeferred and amounts credited or debited thereon shall be distributed to the Participant or the Participant\u2019s Beneficiary (in theevent of the Participant\u2019s death) at the earliest possible date, as determined by the Administrator in good faith, on which thedeductibility of compensation paid or payable to the Participant for the taxable year of the Company during which the distributionis made will not be limited by Code Section 162(m).\n1.14 \u201cDeferral Account\u201d shall mean (i) the sum of all of a Participant\u2019s Annual Deferral Amounts, plus (ii) amounts credited or debitedin accordance with all\n- 6 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2944, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "9942dd2c-ac79-4aae-9a9c-b6e7c017dafe": {"__data__": {"id_": "9942dd2c-ac79-4aae-9a9c-b6e7c017dafe", "embedding": null, "metadata": {"page_label": "184", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "99601894-9e16-454b-abac-dabef6ad829f", "node_type": "4", "metadata": {"page_label": "184", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "a46f206f4ef25d2e49e5afb73272d0f949acd53f6ec44662496e0f91378cebf5", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "the applicable crediting provisions of this Plan that relate to the Participant\u2019s Deferral Account, less (iii) all distributions made tothe Participant or the Participant\u2019s Beneficiary pursuant to this Plan that relate to the Participant\u2019s Deferral Account.\n1.15 \u201cDirector\u201d shall mean a member of the board of directors of the Sponsor who is not an Employee.\n1.16 \u201cDirectors Fees\u201d shall mean the fees paid by the Sponsor, including retainer fees and meetings fees, as compensation forserving on the board of directors of the Sponsor.\n1.17 \u201cDisability\u201d shall mean, except as may otherwise be required by Section 409A, a period of disability during which a Participant (i)is unable to engage in any substantial gainful activity by reason of any medically determinable physical or mental impairmentthat can be expected to result in death or can be expected to last for a continuous period of not less than twelve (12) months; or(ii) is, by reason of any medically determinable physical or mental impairment that can be expected to result In death or can beexpected to last for a continuous period of not less than twelve (12) months, receiving income replacement benefits for a periodof not less than three (3) months under an accident and health plan covering Employees of the Company.\n1.18 \u201cDisability Benefit\u201d shall mean the benefit set forth in Article 7.\n1.19 \u201cElection Form\u201d shall mean the form or forms established from time to time by the Administrator that a Participant completes andreturns to the Administrator to make an election under the Plan (which form or forms may take the form of an electronictransmission, if required or permitted by the Administrator).\n1.20 \u201cEmployee\u201d shall mean an individual whom the Company treats as an \u201cemployee\u201d for federal income tax withholding purposes.\n1.20.1\u201cExecutive Committee\u201d shall mean a committee comprised of the Company\u2019s Chief Executive Officer, Chief Financial Officer andChief Operating Officer.\n1.20.2\u201cIncentive Payments\u201d shall mean any cash compensation paid to a Participant under the Sponsor\u2019s Short-Term Incentive Plan,and any other non-base salary cash compensation paid to a Participant under any other incentive plan or bonus arrangement ofthe Company relating to services performed during any calendar year, including, but not limited to, commissions, specialincentives or bonuses, lump-sum \u201cchange-in-control\u201d payments, eligible severance payments (each as defined by theAdministrator), whether or not paid in such calendar year or included on the Federal Income Tax Form W-2 for such calendaryear. Notwithstanding the preceding, the Administrator may, in its discretion, limit those types of non-base salary cashcompensation that qualify as \u201cIncentive Payments\u201d under the Plan for any given calendar year.\n1.21 \u201cParticipant\u201d shall mean any Employee who is selected by the Administrator to participate in the Plan, provided such individual (i)elects to participate in the\n- 7 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2944, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "6e97ca3d-6750-433c-a2f4-aeb59c48b5fa": {"__data__": {"id_": "6e97ca3d-6750-433c-a2f4-aeb59c48b5fa", "embedding": null, "metadata": {"page_label": "185", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d7e6e189-84cd-4d59-b022-78accf87109a", "node_type": "4", "metadata": {"page_label": "185", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "5cb7374918459e63834cc1bc988c71f92ed571fca984842dca877bc575ecf2bf", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Plan, (ii) executes a Plan Agreement, an Election Form(s) and a Beneficiary Designation Form, (iii) has the Employee\u2019s dulyexecuted Plan Agreement, Election Form(s) and Beneficiary Designation Form accepted by the Administrator, (iv) commencesparticipation in the Plan, and (v) does not have the Employee\u2019s Plan Agreement terminated. The term \u201cParticipant\u201d shall alsomean any Director who satisfies the above requirements for enrollment. A spouse or former spouse of a Participant shall not betreated as a Participant in the Plan or have an Account Balance under the Plan under any circumstance. The term Participantshall also include any former Employee who satisfies the conditions of Section 2.5.\n1.22 \u201cPerformance-Based Compensation\u201d shall mean performance-based compensation within the meaning of Section 409A.\n1.23 \u201cPlan\u201d shall mean this Assurant Deferred Compensation Plan, most recently amended and restated effective January 1, 2025, asevidenced by this instrument and by each Plan Agreement, and as they may be further amended and/or restated from time totime.\n1.24 \u201cPlan Agreement\u201d shall mean a written agreement (which may take the form of an electronic transmission, if required orpermitted by the Administrator), as may be amended from time to time, which is entered into by and between the Company anda Participant. Each Plan Agreement executed by a Participant and the Company shall provide for the entire benefit to which suchParticipant is entitled under the Plan; should there be more than one Plan Agreement, the Plan Agreement bearing the latestdate of acceptance by the Company shall supersede all previous Plan Agreements in their entirety and shall govern suchentitlement. The terms of any Plan Agreement may be different for any Participant, and any Plan Agreement may provideadditional benefits not set forth in the Plan or limit the benefits otherwise provided under the Plan; provided, however, that anysuch additional benefits or benefit limitations must be agreed to by both the Company and the Participant. In the PlanAgreement, each Participant shall acknowledge that the Participant accepts all of the terms of the Plan including thediscretionary authority of the Administrator as set forth in Article 11.\n1.25 \u201cPlan Year\u201d shall mean a period beginning on January 1 of each calendar year and continuing through December 31 of suchcalendar year during which this Plan is in effect.\n1.26 \u201cPre-Termination Survivor Benefit\u201d shall mean the benefit set forth in Article 6.\n1.27 \u201cSection 409A\u201d shall mean Code Section 409A and the Treasury regulations or other authoritative guidance issued thereunder.\n1.28 \u201cSeparation from Service\u201d shall mean separation from service, within the meaning of Section 409A, with the Company by aParticipant, voluntarily or\n- 8 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2787, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "d81f31f4-8859-447d-99ea-20396fcf433e": {"__data__": {"id_": "d81f31f4-8859-447d-99ea-20396fcf433e", "embedding": null, "metadata": {"page_label": "186", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d16d67b5-22a5-466a-96cf-bce9f057e9bb", "node_type": "4", "metadata": {"page_label": "186", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "204f2fe587d77c7bec0856e189045d53beff7d6bac5db8b9eddabaafe2bd11c5", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "involuntarily, for any reason other than Disability, death or an authorized leave of absence.\n1.29 \u201cFixed Date Payout\u201d shall mean the payout set forth in Article 4.\n1.30 \u201cSpecified Employee\u201d shall mean specified employee within the meaning of Section 409A.\n1.31 \u201cSponsor\u201d shall mean Assurant, Inc., and any successor to all or substantially all of the Sponsor\u2019s assets or business.\n1.32 \u201cTermination Benefit\u201d shall mean the benefit set forth in Article 5.\n1.33 \u201cTrust\u201d shall mean any trust established pursuant to this Plan, as amended from time to time. The assets of any Trust shall bethe property of the Company.\n1.34 \u201cUnforeseeable Financial Emergency\u201d shall mean an unanticipated emergency that is caused by an event beyond the control ofthe Participant that would result in severe financial hardship to the Participant resulting from (i) an illness or accident of theParticipant, the Participant\u2019s spouse or a dependent of the Participant, (ii) a loss of the Participant\u2019s property due to casualty, or(iii) such other extraordinary and unforeseeable circumstances arising as a result of events beyond the control of the Participant,all as determined in the sole discretion of the Administrator.\n1.35 \u201cYearly Installment Method\u201d shall be a yearly installment payment over the number of years selected by the Participant inaccordance with this Plan, calculated as follows: The Account Balance of the Participant (or the appropriate portion thereof) shallbe calculated as of the close of business on the date of reference (or, if the date of reference is not a business day, on theimmediately following business day). The date of reference with respect to the first (1) yearly installment payment shall be theJuly 1 provided in Section 5.2, 6.2 or 7.2 (as applicable), and the date of reference with respect to subsequent yearly installmentpayments shall be the July 1 of the following Plan Year. The yearly installment shall be calculated by multiplying this balance bya fraction, the numerator of which is one (1), and the denominator of which is the remaining number of yearly payments due theParticipant.\nARTICLE 2Selection/Enrollment/Eligibility\n2.1 Eligibility. Participation in the Plan shall be limited to (i) Employees whom the Administrator designates, in its sole discretion, forparticipation, provided that (A) Employees may not participate in the Plan unless they are members of a select group ofmanagement or highly compensated employees of the Company, as membership in such group is determined in accordancewith Sections 201(2), 301(a)(3) and 401(a)(1) of ERISA (which determination shall be made by the Administrator in its solediscretion); (B) unless and until the Administrator revises the following standards for Employee participation as it\nst\n- 9 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2773, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "914f42b2-253f-416e-b0a9-b5bb97eb032b": {"__data__": {"id_": "914f42b2-253f-416e-b0a9-b5bb97eb032b", "embedding": null, "metadata": {"page_label": "187", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "276a6f29-08e7-41ac-93b1-5bb3a4bff9f9", "node_type": "4", "metadata": {"page_label": "187", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "a704786dc5c406e4e51ea1ba76a45aa7ad18ab26dfc48738e83e0d177eff7432", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "deems necessary or appropriate in its discretion, only those Employees earning at least one hundred twenty-five thousanddollars ($125,000) in annual base salary and those Employees earning less than one hundred twenty-five thousand dollars($125,000) in annual base salary, but who are reasonably expected by the Administrator to have total annual compensation(e.g., base salary, commissions and bonuses) of at least two hundred-thousand dollars ($200,000) are eligible to participate inthe Plan; and (C) Employees may not participate in the Plan unless they are reasonably expected to be a recipient of a regular,on-cycle ALTEIP award in the Plan Year that such Employee is eligible to participate in the Plan; and (ii) Directors. For purposesof this Article, the term \u201cPlan\u201d shall mean the provisions of the Plan other than those contained in Appendix 1.\n2.2 Enrollment Requirements. As a condition to participation, each selected Employee and each Director shall complete, executeand return to the Administrator a Plan Agreement, an Election Form(s) and a Beneficiary Designation Form, all within thirty (30)days after the selected Employee or Director becomes eligible to participate in the Plan. The date a selected Employee or aDirector becomes eligible to participate in the Plan shall be the date the selected Employee or Director is notified by theAdministrator of such eligibility. In addition, the Administrator shall establish from time to time such other enrollment requirementsas it determines in its sole discretion are necessary.\n2.3 Commencement of Participation. Provided that a selected Employee or a Director has met all enrollment requirements setforth in this Plan and required by the Administrator, including executing all required documents within the specified time period,that individual shall commence participation in the Plan as of the first day of the Plan Year following the date on which theindividual completes all enrollment requirements (or as soon as practicable thereafter as the Administrator may determine). If theindividual fails to meet all such requirements within the period required, in accordance with Section 2.2, that individual shall notbe eligible to participate in the Plan until the first day of the following Plan Year, again subject to timely delivery to andacceptance by the Administrator of the required documents.\n2.4 Termination of Participation. If the Administrator determines in good faith that a Participant who is an Employee no longerqualifies as a member of a select group of management or highly compensated employees of the Company, the Administratorshall have the right, in its sole discretion and subject to Section 409A, to prevent the Participant from making future deferralelections hereunder.\nARTICLE 3Deferral Commitments/Company Contributions/Crediting/Taxes\n3.1 Minimum Deferral.\n- 10 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2860, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "80f706db-d3e4-4939-8ba3-5dadf8fd4b72": {"__data__": {"id_": "80f706db-d3e4-4939-8ba3-5dadf8fd4b72", "embedding": null, "metadata": {"page_label": "188", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "36f05892-1cd0-4472-a0b4-3014ccfb5fe1", "node_type": "4", "metadata": {"page_label": "188", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "82df1e936e0ddd8c9ad9557ab4c37e6b39ba9e0194c7ca8de094be0199a5403a", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "For each Plan Year, a Participant may elect to defer, as the Participant\u2019s Annual Deferred Amount, Annual Base Salary and/orIncentive Payments, or Directors Fees (as applicable) in the minimum amounts established by the Administrator, in its solediscretion. The Administrator may, in its sole discretion, establish for any Plan Year different minimum amount(s). If an election ismade for less than the stated minimum amount(s), or if no election is made, the amount deferred shall be zero (0).\n3.2 Maximum Deferral.\n(a) Annual Base Salary, Incentive Payments and Directors Fees. For each Plan Year, a Participant may elect to defer, asthe Participant\u2019s Annual Deferral Amount, Annual Base Salary and/or Incentive Payments, or Directors Fees up to thefollowing maximum percentages for each deferral elected:\nDeferral Maximum Amount\nAnnual Base Salary 50%\nIncentive Payments 100%\nDirectors Fees 100%\n(b) Administrator\u2019s Discretion. Notwithstanding the foregoing, the Administrator may, in its sole discretion, establish for anyPlan Year maximum percentages that differ from those set forth above.\n3.3 Election to Defer/Change in Election.\n(a) Timing of Election. A Participant shall make Annual Base Salary, Incentive Payments and/or Directors Fee deferralelection(s) with respect to Annual Base Salary, Incentive Payments and/or Directors Fees to be earned during a comingtwelve (12) month Plan Year. Each such deferral election must be made during such election period as shall beestablished by the Administrator, which election period ends no later than the last day of the Plan Year preceding the PlanYear in which the services giving rise to the Annual Base Salary, Incentive Payments and/or Directors Fees to bedeferred are to be performed, except as provided below. The Administrator may in its discretion establish differentelection periods for Annual Base Salary, Incentive Payment and/or Director Fee deferrals; provided, however, that, exceptas provided below, each such election period ends no later than the last day of the Plan Year preceding the Plan Year inwhich the services giving rise to the Annual Base Salary, Incentive Payments or Directors Fees to be deferred are to beperformed.\nNotwithstanding the preceding, if and to the extent permitted by the Administrator, a Participant may make an election todefer that portion (if any) of the Participant\u2019s Incentive Payments that qualifies as\n- 11 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2414, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "66824a9d-9f49-4af6-b443-894a6f34a711": {"__data__": {"id_": "66824a9d-9f49-4af6-b443-894a6f34a711", "embedding": null, "metadata": {"page_label": "189", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "fd4a574a-a0b1-4405-ba55-0e1065cd2745", "node_type": "4", "metadata": {"page_label": "189", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "3b8a11a6d63612a6e18e5e93d8c877c775a5992fbfd8b53657a65c1b8f562afe", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Performance-Based Compensation no later than six (6) months prior to the last day of the period over which the servicesgiving rise to the Performance-Based Compensation are performed.\nIn addition, notwithstanding the preceding, to the extent permitted by the Administrator and under Section 409A, aParticipant may make an election to defer Annual Deferral Amounts that relate all or in part to lump sum \u201cchange incontrol\u201d and/or severance payments Any election to defer payment of such amounts are treated as a \u201cSubsequentElection.\u201d Any such Subsequent Election will be null void unless accepted by the Administrator no later than one (1) yearprior to the payout date that would apply but for the Subsequent Election, and the new payout date under suchSubsequent Election must be at least five (5) Plan Years from the payout date that would apply but for the SubsequentElection.\nFurthermore, notwithstanding anything to the contrary herein, with respect to a Participant\u2019s election to defer any item ofAnnual Base Salary, Incentive Payments and/or Directors Fees under the Plan, if the Administrator determines prior tothe deferral of such item that Section 409A prevents the proper federal income tax deferral of the item, then theParticipant\u2019s election, to the extent permitted under Section 409A, shall be considered ineffective and the item shallinstead be payable in cash to the Participant as though the deferral election not been made. By way of example, if aParticipant elects to defer under the Plan any lump sum \u201cchange-in-control\u201d and/or severance payment(s) otherwisepayable to the Participant during the current calendar year and, prior to the date such amount(s) otherwise would bepayable to the Participant, the Administrator determines such amount(s) may not properly be deferred under the Plan inaccordance with Section 409A, then the Participant\u2019s election shall be ineffective and the amount(s), if any, shall be paidto the Participant in cash instead of deferred under the Plan.\n(b) Manner of Election. For any Plan Year (or portion thereof), a deferral election for that Plan Year (or portion thereof), andsuch other elections as the Administrator deems necessary or desirable under the Plan, shall be made by timelycompleting, in accordance with the Administrator\u2019s rules and procedures, by the deadline(s) set forth above, an ElectionForm, along with such other elections as the Administrator deems necessary or desirable under the Plan. For theseelections to be valid, the Election Form(s) must be completed by the Participant, timely delivered to the Administrator (inaccordance with Section 2.2 above) and accepted by the Administrator. If no such Election Form(s) is timely delivered fora Plan Year (or portion thereof), the Annual Deferral Amount shall be zero (0) for that Plan Year (or portion thereof).\n- 12 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2840, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "eabce4de-3a00-4abe-99b0-e2381a37f89d": {"__data__": {"id_": "eabce4de-3a00-4abe-99b0-e2381a37f89d", "embedding": null, "metadata": {"page_label": "190", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "7cfa35f6-3e62-4882-9e81-66289d440e0f", "node_type": "4", "metadata": {"page_label": "190", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "3d0ca73b59b0576feedb4f3692178116c84ec6a21202cb1b5518afd10b845729", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "(c) Change in Election. A Participant may not elect to change the Participant\u2019s deferral election that is in effect for a PlanYear, except if and to the extent permitted by the Administrator and made in accordance with the provisions of Section409A specifically relating to the change and/or revocation of deferral elections.\n3.4 Withholding of Annual Deferral Amounts. For each Plan Year, the Annual Base Salary portion of the Annual Deferral Amountshall be withheld from each regularly scheduled Annual Base Salary payroll in the percentage elected by the Participant, asadjusted from time to time for increases and decreases in Annual Base Salary. The Incentive Payments and/or Director Feesportion of the Annual Deferral Amount shall be withheld at the time the Incentive Payments or Director Fees are or otherwisewould be paid to the Participant, whether or not this occurs during the Plan Year itself.\n3.5 Annual Company Discretionary Amount. For each Plan Year, the Administrator, acting on behalf of the Company and in itssole discretion, may, but is not required to, credit any amount it desires to any Participant\u2019s Company Discretionary Accountunder this Plan, which amount shall be for that Participant the Annual Company Discretionary Amount for that Plan Year. Theamount so credited to a Participant may be smaller or larger than the amount credited to any other Participant, and the amountcredited to any Participant for a Plan Year may be zero (0), even though one or more other Participants receive an AnnualCompany Discretionary Amount for that Plan Year. Unless otherwise specified by the Administrator, the Annual CompanyDiscretionary Amount, if any, shall be credited as of the last day of the Plan Year. Unless otherwise specified by theAdministrator, if a Participant to whom an Annual Company Discretionary Amount is credited is not employed by or performingservices for the Company as of the last day of a Plan Year other than by reason of the Participant\u2019s death or Disability, theAnnual Company Discretionary Amount for that Plan Year shall be zero (0).\n3.6 Investment of Trust Assets. If a Trust is established, the trustee of the Trust shall be authorized, upon written instructionsreceived from the Administrator or investment manager appointed by the Administrator, to invest and reinvest the assets of theTrust in accordance with any applicable Trust agreement, including the reinvestment of the proceeds in one or more investmentvehicles designated by the Administrator.\n3.7 Vesting.\n(a) A Participant shall at all times be one hundred percent (100%) vested in the Participant\u2019s Deferral Account.\n(b) A Participant shall become vested in the Participant\u2019s Company Discretionary Account pursuant to a vesting schedule, ifany, approved and documented by the Administrator at the time the Annual Company Discretionary Amount is credited tothe Participant\u2019s Company Discretionary Account.\n- 13 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2924, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "94f5611e-1f1f-4d85-a6c1-4a71496b725c": {"__data__": {"id_": "94f5611e-1f1f-4d85-a6c1-4a71496b725c", "embedding": null, "metadata": {"page_label": "191", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "1d9ac82b-59f8-4f0e-a40b-1d131228f72d", "node_type": "4", "metadata": {"page_label": "191", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "5ce7f122405566dd025b9eb5c2ebd7b23fa10ce4f60a0a8d05c8312025b0c151", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "3.8 Crediting/Debiting of Account Balances. In accordance with, and subject to, the rules and procedures that are establishedfrom time to time by the Administrator, in its sole discretion, amounts shall be credited or debited to a Participant\u2019s AccountBalance in accordance with the following rules:\n(a) Sub-Accounts. Separate sub-accounts may be established and maintained with respect to each Participant\u2019s AccountBalance (together, the \u201cSub-Accounts\u201d), if and as applicable, one attributable to the portion of the Participant\u2019s AccountBalance that represents Annual Base Salary deferrals, another attributable to the portion of the Participant\u2019s AccountBalance that represents Incentive Payment deferrals, another attributable to the portion of the Participant\u2019s AccountBalance that represents Annual Company Discretionary Amounts, and another attributable to the portion of theParticipant\u2019s Account Balance that represents Directors Fee deferrals.\n(b) Election of Measurement Funds. A Participant, in connection with the Participant\u2019s initial deferral election in accordancewith Section 3.3 above, shall elect, on the Election Form(s), one or more Measurement Fund(s) (as described in Section3.8(d) below) to be used to determine the additional amounts to be credited or debited to each of the Participant\u2019s Sub-Accounts for the first business day of the Plan Year, continuing thereafter for the remainder of that Plan Year, as well asfor subsequent Plan Years, unless changed in accordance with the next sentence. Commencing with the first businessday of the Plan Year, and continuing thereafter for the remainder of the Plan Year and for subsequent Plan Years (unlessthe Participant ceases during the Plan Year to participate in the Plan), the Participant may (but is not required to) electdaily, by submitting an Election Form(s) to the Administrator that is accepted by the Administrator (which submission maytake the form of an electronic transmission, if required or permitted by the Administrator), to add or delete one or moreMeasurement Fund(s) to be used to determine the additional amounts to be credited or debited to each of theParticipant\u2019s Sub-Accounts, or to change the portion of each of the Participant\u2019s Sub-Accounts allocated to eachpreviously or newly elected Measurement Fund(s). If an election is made in accordance with the previous sentence, itshall apply to the next business day and continue thereafter for the remainder of the Plan Year and for subsequent PlanYears (unless the Participant ceases during the Plan Year to participate in the Plan), unless changed in accordance withthe previous sentence.\n(c) Proportionate Allocation. In making any election described in Section 3.8(b) above, the Participant shall specify on theElection Form(s), in ten percentage point (10%) increments (except as otherwise specified by the Administrator), thepercentage of each of the Participant\u2019s Sub-Account(s) to be allocated to a Measurement Fund (as if the Participant wasmaking an investment in that Measurement Fund with that portion of the Participant\u2019s Account Balance).\n- 14 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3103, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "4aef3362-3919-40c5-b79f-0a19090731b0": {"__data__": {"id_": "4aef3362-3919-40c5-b79f-0a19090731b0", "embedding": null, "metadata": {"page_label": "192", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "21ed945f-4989-42ac-ac01-956cb744ee35", "node_type": "4", "metadata": {"page_label": "192", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "522630b09b0d74ea12e0f54ed3300fabd0a09a1eec5117d478798185dd23177c", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "(d) Measurement Funds. The Participant may elect one or more of the Measurement Funds set forth on Schedule A (the\u201cMeasurement Funds\u201d) for the purpose of crediting or debiting additional amounts to the Participant\u2019s Account Balance.The Administrator may, in its sole discretion, discontinue, substitute or add a Measurement Fund(s). Each such action willtake effect as of the first business day that follows by sixty (60) days the day on which the Administrator givesParticipant\u2019s advance written (which shall include e-mail) notice of such change. The Administrator may also, in itsdiscretion, limit the number and/or type(s) of Measurement Funds available with respect to one or more Sub-Account(s).If the Administrator receives an initial or revised Measurement Fund(s) election that It deems to be incomplete, unclear orimproper, the Participant\u2019s Measurement Fund(s) election then in effect shall remain in effect (or, in the case of adeficiency in an initial Measurement Fund(s) election, the Participant shall be deemed to have directed investment in amoney market, fixed income or similar Measurement Fund made available under the Plan as determined by theAdministrator in its discretion). If the Administrator possesses (or is deemed to possess as provided in the previoussentence) at any time directions as to Measurement Fund(s) of less than all of the Participant\u2019s Account Balance, theParticipant shall be deemed to have directed that the undesignated portion of the Account Balance be deemed to beinvested in a money market, fixed income or similar Measurement Fund made available under the Plan as determined bythe Administrator in its discretion. Each Participant hereunder, as a condition to the Participant\u2019s participation hereunder,agrees to indemnify and hold harmless the Administrator and the Company, and their agents and representatives, fromany losses or damages of any kind relating to (i) the Measurement Funds made available hereunder and (ii) anydiscrepancy between the credits and debits to the Participant\u2019s Account Balance based on the performance of theMeasurement Funds and what the credits and debits otherwise might be in the case of an actual investment in theMeasurement Funds.\n(e) Crediting or Debiting Method. The performance of each elected Measurement Fund (either positive or negative) will bedetermined by the Administrator, in its sole discretion, based on the performance of the Measurement Funds themselves.A Participant\u2019s Account Balance shall be credited or debited on a daily basis based on the performance of eachMeasurement Fund selected by the Participant, or as otherwise determined by the Administrator in its sole discretion, asthough (i) a Participant\u2019s Account Balance were invested in the Measurement Fund(s) selected by the Participant, in thepercentages elected by the Participant as of such date, at the closing price on such date; (ii) the portion of the AnnualDeferral Amount that was actually deferred was invested in the Measurement Fund(s) selected by the Participant, in thepercentages elected by the Participant, no later than the close of business on the third (3rd) business day after the dayon which such amounts are actually deferred from the Participant\u2019s Annual Base\n- 15 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3248, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "b44f1136-8779-4160-b10c-49b4114ff180": {"__data__": {"id_": "b44f1136-8779-4160-b10c-49b4114ff180", "embedding": null, "metadata": {"page_label": "193", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "dcf20e3c-cbf1-48b2-920a-0af1c1e6850d", "node_type": "4", "metadata": {"page_label": "193", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "47b2df16cbdf1f914d6ed7b1b90c1b70183788505ccc5209e7084ccaaf14f19c", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Salary, Incentive Payments and/or Directors Fees through reductions in the Participant\u2019s amounts otherwise payable, atthe closing price on such date; and (iii) any distribution made to a Participant that decreases such Participant\u2019s AccountBalance ceased being invested in the Measurement Fund(s), in the percentages applicable to such calendar month, noearlier than three (3) business days prior to the distribution, at the closing price on such date.\n(f) No Actual Investment. Notwithstanding any other provision of this Plan that may be interpreted to the contrary, theMeasurement Funds are to be used for measurement purposes only, and a Participant\u2019s election of any suchMeasurement Fund, the allocation to the Participant\u2019s Account Balance thereto, the calculation of additional amounts andthe crediting or debiting of such amounts to a Participant\u2019s Account Balance shall not be considered or construed in anymanner as an actual investment of the Participant\u2019s Account Balance in any such Measurement Fund. In the event thatthe Company or the trustee (as that term is defined in the Trust), in its own discretion, decides to invest funds in any or allof the Measurement Funds, no Participant shall have any rights in or to such investments themselves. Without limitingthe foregoing, a Participant\u2019s Account Balance shall at all times be a bookkeeping entry only and shall not represent anyinvestment made on the Participant\u2019s behalf by the Company or the Trust; the Participant shall at all times remain anunsecured general creditor of the Company.\n(g) Beneficiary Elections. Each reference in this Section 3.8 to a Participant shall be deemed to include, where applicable,a reference to a Beneficiary.\n3.9 FICA and Other Taxes.\n(a) Annual Deferral Amounts. For each Plan Year in which an Annual Deferral Amount is being withheld from a Participantwho is an Employee, the Company shall withhold from that portion of the Participant\u2019s Annual Base Salary and/orIncentive Payments that is not being deferred, in a manner determined by the Company, the Participant\u2019s share of FICAand other employment taxes on such Annual Deferral Amount. If necessary, the Administrator may reduce the AnnualDeferral Amount in order to comply with this Section 3.9.\n(b) Annual Company Discretionary Amounts. When a Participant who is an Employee becomes vested in a portion of theParticipant\u2019s Company Discretionary Account, the Company shall have the discretion to withhold from the Participant\u2019sAnnual Base Salary and/or Incentive Payments that is not deferred, in a manner determined by the Company, theParticipant\u2019s share of FICA and other employment taxes. If necessary, the Administrator may reduce the vested portion ofthe Participant\u2019s Annual Company Discretionary Amounts in order to comply with this Section 3.9.\n- 16 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2816, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "9c3a66a7-00cb-4d77-8bb9-d3fa63e8a01d": {"__data__": {"id_": "9c3a66a7-00cb-4d77-8bb9-d3fa63e8a01d", "embedding": null, "metadata": {"page_label": "194", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d4d68740-c997-40c7-9b77-d9454c90cd7e", "node_type": "4", "metadata": {"page_label": "194", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "4e59bfdc5e5b50d99fc1ef5be449262de6d2c5ed4997bb2ffa8bb2111f385cf1", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "3.10 Distributions. Notwithstanding anything herein to the contrary, (i) any payments made to a Participant under this Plan shall bein cash form, and (ii) the Company, or the trustee of the Trust, shall withhold from any payments made to a Participant under thisPlan all Federal, state and local income, employment and other taxes required to be withheld by the Company, or the trustee ofthe Trust, in connection with such payments, in amounts and in a manner to be determined in the sole discretion of the Companyand the trustee of the Trust.\n3.11 Recoupment\n(a)Clawback Policy. As a condition of participation in this Plan, and to the extent allowable under Section 409A, eachParticipant who is an Employee shall be deemed to have agreed to the terms of the Clawback Policy established theCompany, as may be amended from time to time.\nARTICLE 4Fixed Date Payout/Unforeseeable Financial Emergencies\n4.1    Fixed Date Payout. In connection with each election to defer an Annual Deferral Amount (and/or, to the extent permitted by theAdministrator, in connection with the Administrator\u2019s election to credit an Annual Company Discretionary Amount on behalf of theParticipant), a Participant may irrevocably elect to receive a future \u201cFixed Date Payout\u201d from the Plan. At that time, theParticipant may also irrevocably elect to receive the Participant\u2019s Annual Deferral Amounts and/or Annual Company DiscretionaryAmounts subject to the Fixed Date Payout election(s), plus amounts credited or debited thereto in the manner provided inSection 3.8 above, within sixty (60) days of the elected Fixed Date Payout date regardless of any intervening Separation fromService. If the Participant does not make an election pursuant to the immediately preceding sentence to the extent permitted bySection 409A, should the Participant incur a Separation from Service prior to the Participant\u2019s selected Fixed Date Payout date,amounts otherwise subject to such Fixed Date Payout election shall not be paid in accordance with this Section 4.1, but insteadshall be paid in accordance with Article 5.\nUnless the Administrator, in its sole discretion, permits or requires separate election(s) to be made with respect to the AnnualBase Salary deferral portion, the Incentive Payment deferral portion and/or the Directors Fee deferral portion of the AnnualDeferral Amount and/or with respect to the Annual Company Discretionary Amount, any election(s) made for a given Plan Yearshall apply to the Participant\u2019s entire Annual Deferral Amount and/or Annual Company Discretionary Amount for the Plan Year. Inaddition, with respect to an initial election to defer an Annual Deferral Amount (except as otherwise required by theAdministrator), a Participant may choose to divide the Participant\u2019s Annual Deferral Amount (or the Annual Base Salary deferralportion, Incentive Payment deferral portion or Directors Fee deferral portion thereof, as applicable) and/or the Annual CompanyDiscretionary Amount into two or more portions (expressed in twenty-five percent (25%) increments) and\n- 17 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3062, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "668569f1-8b5c-4e72-a462-7fe2d1bd33c1": {"__data__": {"id_": "668569f1-8b5c-4e72-a462-7fe2d1bd33c1", "embedding": null, "metadata": {"page_label": "195", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3496af24-9a00-44a9-957d-8980fc5c5f76", "node_type": "4", "metadata": {"page_label": "195", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "0b8479ae2f5fa3e47ef5f3843fcfd1bb2165f063acc4b03548b97185e122cb6c", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "choose a separate Fixed Date Payout (or elect to have no Fixed Date Payout) for each portion.\nSubject to the Deduction Limitation and to Section 3.10, each Fixed Date Payout shall be a yearly installment payment in anamount that is equal to the selected portion of that year\u2019s Annual Deferral Amount (or the Annual Base Salary deferral portion,the Incentive Payment deferral portion and/or the Directors Fee deferral portion thereof, as applicable) and/or Annual CompanyDiscretionary Amount, and amounts credited or debited thereto in the manner provided in Section 3.8 above, determined at thetime that the Fixed Date Payout becomes payable (rather than the date of a Separation from Service).\nSubject to the terms and conditions of this Plan, each Fixed Date Payout elected shall be paid out within sixty (60) days of theFixed Date Payout date elected by the Participant. Except as otherwise provided in procedures established by the Administrator,the Fixed Date Payout date elected by the Participant must be a July 1 that is approved by the Administrator and that is noearlier than the second July 1 following the Plan Year for which the Annual Deferral Amount (or the Annual Base Salary deferralportion, the Incentive Payment deferral portion and/or the Directors Fee deferral portion thereof, as applicable) is deferred,and/or for which the Annual Company Discretionary Amount is credited.\nNotwithstanding any other provision of this Plan to the contrary, but subject to Section 409A and the procedures established bythe Administrator, a Participant may, with respect to each Fixed Date Payout date, in a manner determined by the Administrator,make one (1) or more additional deferral elections (a \u201cSubsequent Election\u201d) to defer payment of such Fixed Date Payout date tothe July 1 of a Plan Year subsequent to the Fixed Date Payout date originally (or subsequently) elected; provided, however, anysuch Subsequent Election will be null void unless accepted by the Administrator no later than one (1) year prior to the Fixed DatePayout date that would apply but for the Subsequent Election, and the new Fixed Date Payout date under such SubsequentElection is at least five (5) Plan Years from the Fixed Date Payout date that would apply but for the Subsequent Election.\n4.2    Other Benefits Take Precedence Over Fixed Date Payout. To the extent permitted by Section 409A, should an event occur thattriggers a benefit under Article 5, 6 or 7, any Annual Deferral Amounts and/or Annual Company Discretionary Amounts, plusamounts credited or debited thereon, that are subject to a Fixed Date Payout election under Section 4.1 shall not be paid inaccordance with Section 4.1 but shall be paid in accordance with the other applicable Article; provided, however, if theParticipant so elects in accordance with Section 4.1, an intervening Separation from Service prior to a Fixed Date Payout dateshall not cause the payment of benefits subject to the Fixed Date Payout election to be paid in accordance with Article 5 insteadof Section 4.1.\n- 18 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3046, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "65697b48-9f06-478a-9e9f-97281198603e": {"__data__": {"id_": "65697b48-9f06-478a-9e9f-97281198603e", "embedding": null, "metadata": {"page_label": "196", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "bef43769-5c05-4d9f-be49-c50dfc55b0a9", "node_type": "4", "metadata": {"page_label": "196", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "81c8e284701ea963b5c6f7061c1b27585c85aa3252df48c42ea0930530b00dc7", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "4.3    Withdrawal Payout/Suspensions for Unforeseeable Financial Emergencies. If a Participant experiences an UnforeseeableFinancial Emergency, the Participant may petition the Administrator to (i) suspend any deferrals required to be made by aParticipant (but only to the extent permitted under Section 409A) and/or (ii) receive a partial or full payout from the Plan. Thepayout shall not exceed the lesser of the Participant\u2019s vested Account Balance, calculated as if such Participant were receiving aTermination Benefit, or the amount reasonably needed to satisfy the Unforeseeable Financial Emergency plus amountsnecessary to pay taxes reasonably anticipated as a result of the payouts, after taking into account the extent to which theUnforeseeable Financial Emergency is or may be relieved through reimbursement or compensation by insurance or otherwise orby liquidation of the Participant\u2019s assets (to the extent the liquidation of assets would not itself cause severe financial hardship).A payout under this Section 4.3 shall be permitted solely to the extent permitted under Section 409A. If, subject to the solediscretion of the Administrator, the petition for a suspension and/or payout is approved, suspension shall take effect upon thedate of approval and any payout shall be made within sixty (60) days of the date of approval. The payment of any amount underthis Section 4.3 shall be subject to Section 3.10, but shall not be subject to the Deduction Limitation.\nARTICLE 5Termination Benefit\n5.1 Termination Benefit. Except as otherwise provided in Section 4.1, a Participant who incurs a Separation from Service shallreceive, as a Termination Benefit, the Participant\u2019s entire vested Account Balance.\n5.2 Payment Termination Benefit. A Participant, in connection with the Participant\u2019s commencement of participation in the Plan inaccordance with Article 2, shall elect to receive the Participant\u2019s Account Balance in a lump sum or in the Yearly InstallmentMethod of five (5), ten (10) or fifteen (15) years. Unless the Administrator, in its sole discretion, permits or requires separateelection(s) to be made with respect to the Annual Base Salary deferral portion, the Incentive Payment deferral portion and/or theDirectors Fee deferral portion of the Annual Deferral Amount for the Plan Year and/or with respect to the Annual CompanyDiscretionary Amount for the Plan Year, any election made for a given Plan Year shall apply to the Participant\u2019s entire AnnualDeferral Amount and/or Annual Company Discretionary Amount for the Plan Year. If a Participant does not make any electionwith respect to the payment of the Termination Benefit, then such benefit shall be payable in a lump sum.\nSuch Termination Benefit shall be paid, in the case of a lump sum, no later than 60 days following Participant\u2019s Separation fromService or shall commence, in the case of installment payments, no later than 60 days following the July 1 following theParticipant\u2019s Separation from Service; provided, however, that any Participant who is a Specified Employee and who incurs aSeparation from Service with the Employer shall not be entitled to\n- 19 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3148, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "2272207a-4c09-454d-bef2-4bbd37ba9058": {"__data__": {"id_": "2272207a-4c09-454d-bef2-4bbd37ba9058", "embedding": null, "metadata": {"page_label": "197", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "0e038d56-bce3-457e-beb4-900797124535", "node_type": "4", "metadata": {"page_label": "197", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "9d1ce7e179a4a61f09995ebbfa4b1243c23f374fe24a87e543adbb62c2e55995", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "receive any portion of the Participant\u2019s vested Account Balance under this Section prior to the date that is six (6) months after thedate or the Participant\u2019s Separation from Service (or, if earlier, the Participant\u2019s death).\nARTICLE 6Survivor Benefit\n6.1 Pre-Termination Survivor Benefit. The Participant\u2019s Beneficiary shall receive a Pre-Termination Survivor Benefit equal to theParticipant\u2019s entire vested Account Balance if the Participant dies prior to the Participant\u2019s Separation from Service or Disability.\n6.2 Payment of Pre-Termination Survivor Benefit. Payments hereunder shall be made, as elected by the Participant inaccordance with Section 409A, in the form of a lump sum, or pursuant to a Yearly Installment Method of five (5), ten (10) orfifteen (15) years. The Pre-Termination Survivor Benefit shall be paid, in the case of a lump sum, no later than 60 days followingthe Participant\u2019s death, or shall commence, in the case of installments, no later than 60 days following the July 1 following theParticipant\u2019s death. Any payment made hereunder shall be subject to Section 3.10, but shall not be subject to the DeductionLimitation.\n6.3 Death Prior to Completion of Termination or Disability Benefit. If a Participant dies after Separation from Service orDisability but before the Termination Benefit or Disability Benefit is paid in full, the Participant\u2019s unpaid Termination Benefit orDisability Benefit payments shall continue and shall be paid to the Participant\u2019s Beneficiary over the remaining number of yearsand in the same amounts as that benefit would have been paid to the Participant had the Participant survived. Any paymentmade hereunder shall be subject to Section 3.10, but shall not be subject to the Deduction Limitation.\nARTICLE 7Disability Benefit\n7.1 Disability Benefit. A Participant suffering a Disability shall receive, as a Disability Benefit, the Participant\u2019s entire vested AccountBalance.\n7.2 Payment of Disability Benefit. A Participant, in connection with the Participant\u2019s commencement of participation in the Plan inaccordance with Article 2, shall elect on an Election Form to receive the Participant\u2019s Account Balance in a lump sum, pursuantto a Yearly Installment Method of five (5), ten (10) or fifteen (15) years. Unless the Administrator, in its sole discretion, permits orrequires separate election(s) to be made with respect to the Annual Base Salary deferral portion, the Incentive Payment deferralportion and/or the Directors Fee deferral portion of the Annual Deferral Amount for the Plan Year and/or with respect to theAnnual Company Discretionary Amount for the Plan Year, any election made for a given Plan Year shall apply to the Participant\u2019sentire Annual Deferral Amount and/or Annual Company Discretionary Amount for the Plan Year. If a Participant does not makeany election with respect to\n- 20 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2861, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "10f0d7c2-d0ec-43ea-abb0-175889d521d1": {"__data__": {"id_": "10f0d7c2-d0ec-43ea-abb0-175889d521d1", "embedding": null, "metadata": {"page_label": "198", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "01d062c1-c285-4aeb-8c27-b7e7611e66eb", "node_type": "4", "metadata": {"page_label": "198", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "95640627db5cd7174e6016f9e8a8858930e4c0b0ebee9e390036eab63c765216", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "the payment of the Disability Benefit, then such benefit shall be payable in a lump sum.\nSuch Disability Benefit shall be paid, in the case of a lump sum, no later than 60 days following the date on which the Participantis determined to be suffering a Disability, or shall commence, or in the case of installment payments, no later than 60 daysfollowing the July1 following the date on which the Participant is determined to be suffering a Disability.\nNotwithstanding anything above or elsewhere in the Plan to the contrary, no change submitted on an Election Form shall beaccepted by the Employer if the change accelerates the time over which distributions shall be made to the Participant (except asotherwise permitted by Section 409A).\nARTICLE 8Beneficiary Designation\n8.1 Beneficiary. Each Participant shall have the right, at any time, to designate the Participant\u2019s Beneficiary(ies) (both primary aswell as contingent) to receive any benefits payable under the Plan upon the death of a Participant. The Beneficiary designatedunder this Plan may be the same as or different from the Beneficiary designation under any other plan of the Company in whichthe Participant participates.\n8.2 Beneficiary Designation/Change. A Participant shall designate the Participant\u2019s Beneficiary by completing the BeneficiaryDesignation Form and returning it to the Administrator or its designated agent. A Participant shall have the right to change aBeneficiary by completing and otherwise complying with the terms of the Beneficiary Designation Form and the Administrator\u2019srules and procedures, as in effect from time to time. Upon the acceptance by the Administrator of a new Beneficiary DesignationForm, all Beneficiary designations previously filed shall be canceled. The Administrator shall be entitled to rely on the lastBeneficiary Designation Form filed by the Participant and delivered to the Administrator prior to the Participant\u2019s death.\n8.3 Acceptance. No designation or change in designation of a Beneficiary shall be effective until received and accepted by theAdministrator or its designated agent.\n8.4 No Beneficiary Designation. If a Participant fails to designate a Beneficiary as provided in Sections 8.1, 8.2 and 8.3 above or, ifall designated Beneficiaries predecease the Participant or die prior to complete distribution of the Participant\u2019s benefits, then theParticipant\u2019s designated Beneficiary shall be deemed to be the Participant\u2019s surviving spouse, or, if the Participant has nosurviving spouse, the benefits remaining under the Plan to be paid to a Beneficiary shall be payable to the executor or personalrepresentative of the Participant\u2019s estate.\n- 21 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2672, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "75de1e31-caf8-48aa-8266-fdee8776eb0f": {"__data__": {"id_": "75de1e31-caf8-48aa-8266-fdee8776eb0f", "embedding": null, "metadata": {"page_label": "199", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "c6cef779-2a0e-42f6-a38c-7fdcc8ee66e6", "node_type": "4", "metadata": {"page_label": "199", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "a58361e1edd63a4435a8436f2952d25bfc96e721111cce66b4eb74cfaf16cdd6", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "8.5 Doubt as to Beneficiary. If the Administrator has any doubt as to the proper Beneficiary to receive payments pursuant to thisPlan, the Administrator shall have the right, exercisable in its sole discretion, to cause the Company to withhold such paymentsuntil this matter is resolved to the Administrator\u2019s satisfaction.\n8.6 Discharge of Obligations. The payment of benefits under the Plan to a person believed in good faith by the Administrator to bea valid Beneficiary shall fully and completely discharge the Company and the Administrator from all further obligations under thisPlan with respect to the Participant, and that Participant\u2019s Plan Agreement shall terminate upon such full payment of benefits.Neither the Administrator nor the Company shall be obliged to search for any Participant or Beneficiary beyond the sending of aregistered letter to such last known address. If the Administrator notifies any Participant or Beneficiary that the Participant orBeneficiary is entitled to an amount under the Plan and the Participant or Beneficiary fails to claim such amount or make theParticipant\u2019s or Beneficiary\u2019s location known to the Administrator within three (3) years thereafter, then, except as otherwiserequired by law, if the location of one or more of the next of kin of the Participant is known to the Administrator, the Administratormay direct distribution of such amount to any one or more or all of such next of kin, and in such proportions as the Administratordetermines. If the location of none of the foregoing persons can be determined, the Administrator shall have the right to directthat the amount payable shall be deemed to be a forfeiture and paid to the Company, except that the dollar amount of theforfeiture, unadjusted for deemed gains or losses in the interim, shall be paid by the Company if a claim for the benefitsubsequently is made by the Participant or the Beneficiary to whom it was payable. If a benefit payable to an unlocatedParticipant or Beneficiary is subject to escheat pursuant to applicable state law, neither the Administrator nor the Company shallbe liable to any person for any payment made in accordance with such law.\nARTICLE 9Leave of Absence\n9.1 Paid Leave of Absence. If a Participant is authorized by the Company for any reason to take a paid leave of absence from theParticipant\u2019s service to the Company, the Participant shall continue to be considered employed by, or to serve as a Director of,the Company, and the Annual Deferral Amount shall continue to be withheld during such paid leave of absence in accordancewith Section 3.4 to the extent permitted under Section 409A.\n9.2 Unpaid Leave of Absence. If a Participant is authorized by the Company for any reason to take an unpaid leave of absencefrom the Participant\u2019s service to the Company, the Participant shall continue to be considered employed by, or to serve asDirector of, the Company, and, to the extent permitted under Section 409A, the Participant shall be excused from makingdeferrals until the earlier of the date the leave of absence expires or the Participant returns to a paid service status. Upon suchexpiration or return, deferrals shall resume for\n- 22 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3191, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "63b667bd-dc53-4ff4-b9fa-644fe5a92a53": {"__data__": {"id_": "63b667bd-dc53-4ff4-b9fa-644fe5a92a53", "embedding": null, "metadata": {"page_label": "200", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "02b02e7e-3134-4022-97a6-d40cb9610d85", "node_type": "4", "metadata": {"page_label": "200", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f93e0431aadba33c6f5707d96d8d2260628ed7ee6f411f4edb23f594a40973ef", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "the remaining portion of the Plan Year in which the expiration or return occurs, based on the deferral election, if any, made forthat Plan Year. If no election was made for that Plan Year, no deferral shall be withheld.\nARTICLE 10Termination/Amendment/Modification\n10.1    Termination. Although the Sponsor anticipates that it will continue the Plan for an indefinite period of time, there is no guaranteethat the Sponsor will continue the Plan or will not terminate the Plan at any time in the future. Accordingly, the Sponsor reservesthe right to discontinue its sponsorship of the Plan and/or to terminate the Plan in accordance with the rules under Section 409Aat any time with respect to any or all of any Company\u2019s participating Employees, in the discretion of, and by action of, theExecutive Committee. If permitted by Section 409A, the termination and liquidation of the Plan will involve both the amendmentof the plan to cease deferrals under the Plan and provide for payment of all benefits accrued under the Plan, and the acceleratedpayment of benefits accrued under the Plan. Upon a complete or partial termination of the Plan, the Plan Agreements of theaffected Participants shall terminate and their vested Account Balances, determined as if they had experienced a Separationfrom Service on the date of Plan termination, shall, subject to Section 10.6, be paid to the Participants in accordance with theirdistribution elections in effect at the time of the Plan termination; provided however, if immediate distribution of a Participant\u2019sAccount Balance on termination is not permitted by Section 409A, the payment of the Account Balance shall be made only afterPlan benefits otherwise become due hereunder. The termination of the Plan shall not adversely affect any Participant orBeneficiary who has become entitled to the payment of any benefits under the Plan as of the date of termination.\n10.2    Amendment. The Sponsor, by action of the Board, the Executive Committee, or (to the extent permitted under Article 11) theAdministrator may, at any time, amend or modify the Plan in whole or in part; provided, however, that no amendment ormodification shall be effective to decrease or restrict the value of a Participant\u2019s vested Account Balance in existence at the timethe amendment or modification is made, calculated as if the Participant had experienced a Separation from Service as of theeffective date of the amendment or modification. The amendment or modification of the Plan shall not affect any Participant orBeneficiary who has become entitled to the payment of benefits under the Plan as of the date of the amendment or modification.\n10.3    Effect of Payment. The full payment of the applicable benefit under Articles 4, 5, 6 or 7 of the Plan shall completely discharge allobligations to a Participant and the Participant\u2019s designated Beneficiaries under this Plan and the Participant\u2019s Plan Agreementshall terminate.\n1.4 Amendment to Ensure Proper Characterization of the Plan. Notwithstanding the previous Sections of this Article 10, the Planmay be amended at any time,\n- 23 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3108, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "ee6fc261-45fc-4747-8418-009e89b57dd2": {"__data__": {"id_": "ee6fc261-45fc-4747-8418-009e89b57dd2", "embedding": null, "metadata": {"page_label": "201", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "fb044ab9-fd62-44c5-96b6-102d931f6d9b", "node_type": "4", "metadata": {"page_label": "201", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "71ce31f5bed094688a75178631752650c6bd57db4d408ede5a566b9cea3df9a6", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "retroactively if required, or if found necessary, in the opinion of the Administrator, in order to ensure that the Plan is characterizedas a non-tax-qualified \u201ctop hat\u201d plan of deferred compensation maintained for a select group of management or highlycompensated employees, as described under ERISA sections 201(2), 301(a)(3) and 401(a)(1), to conform the Plan to theprovisions of Section 409A and to ensure that amounts under the Plan are not considered to be taxed to a Participant under theFederal income tax laws prior to the Participant\u2019s receipt of the amounts or to conform the Plan and the Trust to the provisionsand requirements of any applicable law.\n1.5 Changes in Law Affecting Taxability.\n(a) Operation. This Section shall become operative upon the enactment of any change in applicable statutory law or thepromulgation by the Internal Revenue Service of a final regulation or other pronouncement having the force of law, whichstatutory law, as changed, or final regulation or pronouncement, as promulgated, would cause any Participant to includein the Participant\u2019s federal gross income amounts accrued by the Participant under the Plan on a date (an \u201cEarly TaxationEvent\u201d) prior to the date on which such amounts are made available to the Participant hereunder; provided, however, thatno portion of this Section shall become operative to the extent that portion would result in a violation of Section 409A(e.g., by causing an impermissible distribution under Section 409A).\n(b) Affected Right or Feature Nullified. Notwithstanding any other Section of this Plan to the contrary (but subject tosubsection (c), below), as of an Early Taxation Event, the feature or features of this Plan that would cause the EarlyTaxation Event shall be null and void, to the extent, and only to the extent, required to prevent the Participant from beingrequired to include in the Participant\u2019s federal gross income amounts accrued by the Participant under the Plan prior tothe date on which such amounts are made available to the Participant hereunder. If only a portion of a Participant\u2019sAccount Balance is impacted by the change in the law, then only such portion shall be subject to this Section, with theremainder of the Account Balance not so affected being subject to such rights and features as if the law were notchanged. If the law only impacts Participants who have a certain status with respect to the Company, then only suchParticipants shall be subject to this Section.\n(c) Tax Distribution. If an Early Taxation Event is earlier than the date on which the statute, regulation or pronouncementgiving rise to the Early Taxation Event is enacted or promulgated, as applicable (i.e., if the change in the law isretroactive), there shall be distributed to each Participant, as soon as practicable following such date of enactment orpromulgation, the amounts that became taxable on the Early Taxation Event.\n- 24 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2920, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "2e273fad-8166-4053-9ad9-581203161368": {"__data__": {"id_": "2e273fad-8166-4053-9ad9-581203161368", "embedding": null, "metadata": {"page_label": "202", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "f0e6b494-a2db-4a90-8243-8a023ffff516", "node_type": "4", "metadata": {"page_label": "202", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "8a20a5f87971b1d95c08e3ba90d7bf02563696c9ba4a497404bbe34131d86a27", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "10.6    Prohibited Acceleration/Distribution Timing. This Section shall take precedence over any other provision of the Plan or thisArticle 10 to the contrary. No provision of this Plan shall be followed if following the provision would result in the acceleration ofthe time or schedule of any payment from the Plan as would require immediate income tax to Participants based on the law ineffect at the time the distribution is to be made, including Section 409A. In addition, a payment may be delayed after adesignated payment date under the circumstances described in Section 409A, including payments subject to Code Section162(m), or payments that would violate federal securities or other applicable law. In such case, payment will be made at theearliest date on which the Company reasonably anticipates that the making of the payment will not cause such violation. Themaking of a payment that would causeinclusion in gross income or the application of any penalty provision or other provision of the Code is not treated as a violation ofapplicable law.\nARTICLE 11Administration\n11.1 Administrator Duties. Until October 2, 2007, this Plan was administered by the Nonqualified Plans Committee at the Board\u2019sdesignation. Effective as of October 3, 2007, this Plan shall be administered by the Benefit Plans Committee, which is theAdministrator. Members of the Board and the Benefit Plans Committee may be Participants under this Plan. No fee orcompensation shall be paid to any person for services as the Administrator (but this does not prevent the payment of salaryotherwise payable to an Employee of the Company for other services as a Company Employee). The Administrator shall havethe discretion and authority to (i) interpret and enforce all appropriate rules and regulations for the administration of this Plan and(ii) decide or resolve any and all questions including interpretations of this Plan, as may arise in connection with the Plan. Neitherany Board member, nor any Benefit Plans Committee member shall vote or act on any matter relating solely to such member.When making a determination or calculation, the Administrator shall be entitled to rely on information furnished by a Participantor the Company. Any decisions, actions or interpretations to be made under the Plan by the Company, the Board or theAdministrator shall be made in its respective sole discretion and need not be uniformly applied to similarly situated individuals.\nAny of the duties and responsibilities of the Administrator under the Plan, including, but not limited to those listed below, may beperformed by the Benefit Plans Committee, except that any decision, interpretation, calculation or other action that wouldmaterially increase the Company\u2019s liability and/or costs associated with the Plan must be approved by the Executive Committee:\n(a) the Administrator may designate those Employees of the Company who are eligible to participate in the Plan inaccordance with Section 2.1;\n(b) the Administrator may make all discretionary decisions under the Plan with respect to Annual Company DiscretionaryAmounts; provided, however, that the Administrator may only credit an Annual Company\n- 25 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3185, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "7533cca8-b3c3-4f2c-9c57-cd9e7ec0c8b7": {"__data__": {"id_": "7533cca8-b3c3-4f2c-9c57-cd9e7ec0c8b7", "embedding": null, "metadata": {"page_label": "203", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "edce8d31-6754-4145-8a08-1f5ac53fd5ef", "node_type": "4", "metadata": {"page_label": "203", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "15a558d659338dcda4640c748bac2ddf57936dcd3d6893761c6e2dceac19d7c4", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Discretionary Amount under the Plan on behalf of a Participant without Board approval if, but for the decision to so credit,the Administrator could otherwise have directed, without Board approval, that the Participant receive an amount equal tothe Annual Company Discretionary Amount in cash;\n(c) the Administrator may administer the claims procedure requirements of the Plan set forth in Article 13;\n(d) the Administrator may make Plan amendments under Article 10, but only to the extent such amendments do notmaterially increase the Company\u2019s liability and/or costs associated with the Plan;\n(e) the Administrator may change service providers used in connection with the Plan; and\n(f) the Administrator may allocate expenses associated with the Plan\u2019s administration among Participants\u2019 Account Balances.\nEffective as of January 1, 2008, the Benefit Plans Investment Committee may change the deemed investment alternativesavailable under the Plan.\n11.2 Agents. In the administration of this Plan, the Administrator or the Benefit Plans Investment Committee may, from time to time,employ agents and delegate to them such administrative duties as it sees fit (including acting through a duly appointedrepresentative) and may from time to time consult with counsel who may be counsel to the Company.\n11.3 Binding Effect of Decisions. The decision or action of the Administrator with respect to any question arising out of or inconnection with the administration, interpretation and application of the Plan and the rules and regulations promulgatedhereunder shall be final and conclusive and binding upon all persons having any interest in the Plan. Each Participant, on theParticipant\u2019s behalf and on behalf of the Participant\u2019s respective Beneficiaries, heirs, representatives and assigns, as a conditionof participation in the Plan, agrees to accept this discretion and authority of the Administrator.\n11.4 Indemnity of Administrators. The Company shall indemnify and hold harmless the members of the Benefit Plans InvestmentCommittee, the Administrator (including the individual members of the Board and the Benefit Plans Committee), its appointeesand any Employee to whom the duties of the Administrator may be delegated, against any and all claims, losses, damages,expenses or liabilities arising from any action or failure to act with respect to this Plan, except in the case of willful misconduct bythe Administrator or any of its members or any such Employee. This indemnification shall be in addition to, and not in limitationof, any other indemnification protections of the Administrator by the Company, directly or indirectly.\n11.5 Company Information. To enable the Administrator to perform its functions, the Company shall supply full and timely informationto the Administrator on\n- 26 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2799, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "4c514159-d68b-4e88-a5c8-84d65005038b": {"__data__": {"id_": "4c514159-d68b-4e88-a5c8-84d65005038b", "embedding": null, "metadata": {"page_label": "204", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "fe17956c-3504-413a-aca4-e3d605c401bc", "node_type": "4", "metadata": {"page_label": "204", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "9c349fdce8d09147af9fa0a61a67ec85b40ff82e63b0936db7c824f490f781ee", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "all matters relating to the compensation of the Participants, the date and circumstances of the Disability, death or Separationfrom Service of the Participants, and such other pertinent information as the Administrator may reasonably require.\n11.6 Committee Membership.\n(a)    Benefit Plans Committee. The Benefit Plans Committee shall be comprised of the following members (or their functionalequivalent successor officers): Senior Vice President, Total Rewards & Wellbeing; Vice President, Benefits; Vice President,People Experience & Global Capability Centers; Senior Vice President, US Lifestyle Operations; and Senior Vice President,Global Housing Operations. Each member of the Benefit Plans Committee shall serve without the need of a formal appointmentor resignation, by virtue of holding or assuming one of the designated positions and shall automatically be removed as a memberof the Benefit Plans Committee by ceasing to hold one of the designated positions. In the event of a vacancy in the membershipof the Benefit Plans Committee, the remaining members shall function as the full Benefit Plans Committee until the vacancy isfilled.\n(b) Benefit Plans Investment Committee. The Benefit Plans Investment Committee shall be comprised of the following members(or their functional equivalent successor officers): Senior Vice President, Total Rewards & Wellbeing; Vice President, Benefits;Chief Investment Officer; Senior Vice President, Investment Strategy & Analytics; and Senior Vice President, Chief AccountingOfficer. Each member of the Benefit Plans Investment Committee shall serve without the need of a formal appointment orresignation, by virtue of holding or assuming one of the designated positions and shall automatically be removed as a member ofthe Benefit Plans Investment Committee by ceasing to hold one of the designated positions. In the event of a vacancy in themembership of the Benefit Plans Investment Committee, the remaining members shall function as the full Benefit PlansInvestment Committee until the vacancy is filled.\nARTICLE 12Other Benefits and Agreements\n12.1 Coordination with Other Benefits. The benefits provided for a Participant or a Participant\u2019s Beneficiary under the Plan are inaddition to any other benefits available to such Participant under any other plan or program for Employees or Directors of theCompany. The Plan shall supplement and shall not supersede, modify or amend any other such plan or program except as mayotherwise be expressly provided.\nARTICLE 13Claims Procedures\n13.1 Scope of Claims Procedures. This Article is based on final regulations issued by the Department of Labor and published in theFederal Register on November\n- 27 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2698, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "568aa029-b5ea-4a32-8771-caab89067ced": {"__data__": {"id_": "568aa029-b5ea-4a32-8771-caab89067ced", "embedding": null, "metadata": {"page_label": "205", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3570a37c-9235-4e71-b79f-5fc6f6510427", "node_type": "4", "metadata": {"page_label": "205", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e0388611df2d447336bb85dacaaf5c78189a05f9e2ea29b23ba1b3f1fb3d2399", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "21, 2000 and codified at 29 C.F.R. section 2560.503-1, as amended from time to time. If any provision of this Article conflicts withthe requirements of those regulations, the requirements of those regulations will prevail.\nFor purposes of this Article, references to disability benefit claims are intended to describe claims made by Participants forDisability Benefits payable pursuant to Article 7, but only if and to the extent that such claims require an independentdetermination by the Administrator that the Participant is or is not suffering from a Disability, within the meaning of Section 1.21.If the Administrator\u2019s determination is based entirely on a disability determination made by another party, such as the SocialSecurity Administration or another federal or state agency or an insurer with respect to a disability insurance policy covering theParticipant, the Participant\u2019s claim shall not be treated as a disability claim for purposes of the special provisions of this Articlethat apply to claims for which an independent determination of disability is required.\n13.2 Initial Claim. A Participant or Beneficiary who believes the Participant or Beneficiary is entitled to any benefit under the Plan (a\u201cClaimant\u201d) may file a claim with the Administrator. The Administrator shall review the claim itself or appoint an individual or anentity to review the claim.\n(a) Benefit Claims that do not Require a Determination of Disability. If the claim is for a benefit other than a DisabilityBenefit, the Claimant shall be notified within ninety (90) days after the claim is filed whether the claim is allowed ordenied, unless the Claimant receives written notice from the Administrator or appointee of the Administrator prior to theend of the ninety (90) day period stating that special circumstances require an extension of the time for decision, suchextension not to extend beyond the day that is one hundred eighty (180) days after the day the claim is filed.\n(b) Disability Benefit Claims. In the case of a benefits claim that requires an independent determination by theAdministrator of a Participant\u2019s Disability status, the Administrator shall notify the Claimant of the Plan\u2019s adverse benefitdetermination within a reasonable period of time, but not later than forty-five (45) days after receipt of the claim. If, due tomatters beyond the control of the Plan, the Administrator needs additional time to process a claim, the Claimant will benotified, within forty-five (45) days after the Administrator receives the claim, of those circumstances and of when theAdministrator expects to make its decision but not beyond seventy-five (75) days. If, prior to the end of the extensionperiod, due to matters beyond the control of the Plan, a decision cannot be rendered within that extension period, theperiod for making the determination may be extended for up to one hundred five (105) days, provided that theAdministrator notifies the Claimant of the circumstances requiring the extension and the date as of which the Planexpects to render a decision. The extension notice shall specifically explain the standards on which entitlement to aDisability Benefit is based, the unresolved issues that prevent a decision on the claim and\n- 28 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3250, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "cf6256be-8d0b-45da-a065-5f2da794c701": {"__data__": {"id_": "cf6256be-8d0b-45da-a065-5f2da794c701", "embedding": null, "metadata": {"page_label": "206", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "be49bf46-72a9-44c6-8747-4bafa0bb3a27", "node_type": "4", "metadata": {"page_label": "206", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ed310c14c703d884f557f8c65806d31eee125f89e3d1892f8dc4a72b9a1fadce", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "the additional information needed from the Claimant to resolve those issues, and the Claimant shall be afforded at leastforty-five (45) days within which to provide the specified information.\n(c) Manner and Content of Denial of Initial Claims. If the Administrator denies a claim, it must provide to the Claimant, inwriting or by electronic communication:\n(i) The specific reasons for the denial;\n(ii) A reference to the Plan provision or insurance contract provision upon which the denial is based;\n(iii) A description of any additional information or material that the Claimant must provide in order to perfect the claim;\n(iv) An explanation of why such additional material or information is necessary;\n(v) Notice that the Claimant has a right to request a review of the claim denial and information on the steps to betaken if the Claimant wishes to request a review of the claim denial; and\n(vi) A statement of the Participant\u2019s right to bring a civil action under ERISA Section 502(a) following a denial onreview of the initial denial.\nIn addition, in the case of a denial of Disability Benefits on the basis of the Administrator\u2019s independent determination ofthe Participant\u2019s Disability status, the Administrator will provide such information as is required by 29 C.F.R. section2560.503-1.\n13.3 Review Procedures.\n(a) Benefit Claims that do not Require a Determination of Disability. Except for claims requiring an independentdetermination of a Participant\u2019s Disability status, a request for review of a denied claim must be made in writing to theAdministrator within sixty (60) days after receiving notice of denial. The decision upon review will be made within sixty(60) days after the Administrator\u2019s receipt of a request for review, unless special circumstances require an extension oftime for processing, in which case a decision will be rendered not later than one hundred twenty (120) days after receiptof a request for review. A notice of such an extension must be provided to the Claimant within the initial sixty (60) dayperiod and must explain the special circumstances and provide an expected date of decision.\nThe reviewer shall afford the Claimant an opportunity to review and receive, without charge, all relevant documents,information and records and to submit issues and comments in writing to the\n- 29 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2327, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "890de6a0-407a-4b55-b577-571b6c52502c": {"__data__": {"id_": "890de6a0-407a-4b55-b577-571b6c52502c", "embedding": null, "metadata": {"page_label": "207", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "1bf7806b-3a54-4581-8293-58352c557acc", "node_type": "4", "metadata": {"page_label": "207", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d9a28fafe7977fbb8523ad5084e1f96977b544cb53737ad6860a3a076e4e9178", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Administrator. The reviewer shall take into account all comments, documents, records and other information submitted bythe Claimant relating to the claim regardless of whether the information was submitted or considered in the initial benefitdetermination.\n(b) Disability Benefit Claims. In addition to having the right to review documents and submit comments as described in (a)above, a Claimant whose claim for Disability Benefits requires an independent determination by the Administrator of theParticipant\u2019s Disability status has at least one hundred eighty (180) days following receipt of a notification of an adversebenefit determination within which to request a review of the initial determination. In such cases, the review will meet thefollowing requirements:\n(i) The Plan will provide a review that does not afford deference to the initial adverse benefit determination and that isconducted by an appropriate individual who did not make the initial determination that is the subject of the appeal,nor by a subordinate of the individual who made the determination.\n(ii) The appropriate individual of the Plan will consult with a health care professional who has appropriate training andexperience in the field of medicine involved in the medical judgment before making a decision on review of anyadverse initial determination based in whole or in part on a medical judgment. The professional engaged forpurposes of a consultation in the preceding sentence shall not be an individual who was consulted in connectionwith the initial determination that is the subject of the appeal or the subordinate of any such individual.\n(iii) The Plan will identify to the Claimant the medical or vocational experts whose advice was obtained on behalf ofthe Plan in connection with the review, without regard to whether the advice was relied upon in making the benefitreview determination.\n(iv)The Plan will provide the Claimant, free of charge, with any new or additional evidence considered, relied upon, orgenerated by the Plan or other person making the benefit determination (or at the direction of the Plan or suchother person) in connection with the claim. Such evidence will be provided as soon as possible and sufficiently inadvance of the date on which the notice of adverse benefit determination on review is required to be provided togive the Claimant a reasonable opportunity to respond prior to that date.\n(v)The Plan will provide the Claimant, free of charge, with any new or additional rationale on which an adversebenefit determination is based. The rationale will be provided as soon as\n- 30 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2606, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "f03baf78-5f97-474c-8db1-8b3c3ab586ea": {"__data__": {"id_": "f03baf78-5f97-474c-8db1-8b3c3ab586ea", "embedding": null, "metadata": {"page_label": "208", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "4e766165-c346-4163-b407-6bc6c05a418f", "node_type": "4", "metadata": {"page_label": "208", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "4dc7b5b77a62fa3dfa8fd76c49a86eb5d49280a1036da14e6d3657c299a35594", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "possible and sufficiently in advance of the date on which the notice of adverse benefit determination on review isrequired to be provided to give the Claimant a reasonable opportunity to respond prior to that date.\n(vi) The decision on review will be made within forty-five (45) days after the Administrator\u2019s receipt of a request forreview, unless special circumstances require an extension of time for processing, in which case a decision will berendered not later than ninety (90) days after receipt of a request for review. A notice of such an extension mustbe provided to the Claimant within the initial forty-five (45) day period and must explain the special circumstancesand provide an expected date of decision.\n(c) Manner and Content of Notice of Decision on Review. Upon completion of its review of an adverse initial claimdetermination, the Administrator will give the Claimant, in writing or by electronic notification, a notice containing:\n(i) its decision;\n(ii) the specific reasons for the decision;\n(iii) the relevant Plan provisions or insurance contract provisions on which its decision is based;\n(iv) a statement that the Claimant is entitled to receive, upon request and without charge, reasonable access to, andcopies of, all documents, records and other information in the Plan\u2019s files that is relevant to the Claimant\u2019s claimfor benefits;\n(v) a statement describing the Claimant\u2019s right to bring an action for judicial review under ERISA Section 502(a); and\n(vi) if an internal rule, guideline, protocol or other similar criterion was relied upon in making the adverse determinationon review, a statement that a copy of the rule, guideline, protocol or other similar criterion will be provided withoutcharge to the Claimant upon request.\nIn addition, in the case of a denial of Disability Benefits on the basis of the Administrator\u2019s independent determination ofthe Participant\u2019s Disability status, the Administrator will provide such information as is required by 29 C.F.R. section2560.503-1.\n13.4 Calculation of Time Periods. For purposes of the time periods specified in this Article, the period of time during which a benefitdetermination is required to be made begins at the time a claim is filed in accordance with the Plan procedures without regard towhether all the information necessary to make a decision accompanies the claim. If a period of time is extended due to a\n- 31 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2408, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "b67db301-98aa-416c-b9a4-78bb61f1cc3e": {"__data__": {"id_": "b67db301-98aa-416c-b9a4-78bb61f1cc3e", "embedding": null, "metadata": {"page_label": "209", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "c85849c4-fcd6-418b-a612-3859296ecc4e", "node_type": "4", "metadata": {"page_label": "209", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d231767a0231ab0c90c70b928af44da6fea582e86fba8c0ce947d3f1b563e6ed", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Claimant\u2019s failure to submit all information necessary, the period for making the determination shall be tolled from the date thenotification is sent to the Claimant until the date the Claimant responds.\n13.5 Legal Action. If the Plan fails to follow the claims procedures required by this Article, a Claimant shall be deemed to haveexhausted the administrative remedies available under the Plan and shall be entitled to pursue any available remedy underERISA Section 502(a) on the basis that the Plan has failed to provide a reasonable claims procedure that would yield a decisionon the merits of the claim. A Claimant\u2019s compliance with the foregoing provisions of this Article is a mandatory prerequisite to aClaimant\u2019s right to commence any legal action with respect to any claims for benefits under the Plan.\nAny suit for benefits must be brought within one year after the date the Administrator has made a final denial of a claim forbenefits. Notwithstanding any other provision of the Plan to the contrary, any suit for benefits must be brought within two yearsafter (a) in the case of any lump-sum payment, the date on which the payment was made; (b) in the case of an installmentpayment, the date of the first payment in the series of payments; or (c) for all other claims, the date on which the actioncomplained of occurred.\nARTICLE 14Trust\n14.1 Establishment of the Trust. The Company may establish a Trust, in which event the Company intends, but is not required, totransfer over to the Trust at least annually such assets as the Company determines, in its sole discretion, are necessary toprovide for its respective future liabilities created with respect to the Annual Deferral Amounts and Annual CompanyDiscretionary Amounts for the Participants.\n14.2 Interrelationship of the Plan and the Trust. The provisions of the Plan and the Plan Agreement shall govern the rights of aParticipant to receive distributions pursuant to the Plan. The provisions of the Trust shall govern the rights of the Company,Participants and the creditors of the Company to the assets transferred to the Trust. The Company shall at all times remain liableto carry out its obligations under the Plan.\n14.3 Distributions from the Trust. The Company\u2019s obligations under the Plan may be satisfied with Trust assets distributed pursuantto the terms of the Trust, and any such distribution shall reduce the Company\u2019s obligations under this Plan.\nARTICLE 15Miscellaneous\n15.1 Status of Plan. The Plan is intended to be a plan that is not qualified within the meaning of Code Section 401(a) and that \u201cisunfunded and is maintained by an employer primarily for the purpose of providing deferred compensation for a\n- 32 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2700, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "a9d02a92-8559-4e8c-9514-0374b924efd6": {"__data__": {"id_": "a9d02a92-8559-4e8c-9514-0374b924efd6", "embedding": null, "metadata": {"page_label": "210", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "9c9433f7-6797-41b5-b494-8b06d5915046", "node_type": "4", "metadata": {"page_label": "210", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "c8ceb4acd66e9828185966bfaec2743d7d1b7083b159eee9e970c7e8fb23f294", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "select group of management or highly compensated employees\u201d within the meaning of ERISA Sections 201(2), 301(a)(3) and401(a)(1). The Plan shall be administered and interpreted to the extent possible in a manner consistent with that intent.\n15.2 Unsecured General Creditor. Participants and their Beneficiaries, heirs, successors and assigns shall have no legal orequitable rights, interests or claims in any property or assets of the Company. For purposes of the payment of benefits under thisPlan, any and all of the Company\u2019s assets shall be, and remain, the general, unpledged unrestricted assets of the Company. TheCompany\u2019s obligation under the Plan shall be merely that of an unfunded and unsecured promise to pay money in the future.\n15.3 Company\u2019s Liability. The Company\u2019s liability for the payment of benefits shall be defined only by the Plan and the PlanAgreement, as entered into between the Company and a Participant. The Company shall have no obligation to a Participantunder the Plan except as expressly provided in the Plan and the Participant\u2019s Plan Agreement.\n15.4 Nonassignability. Neither a Participant nor any other person shall have any right to commute, sell, assign, transfer, pledge,anticipate, mortgage or otherwise encumber, transfer, hypothecate, alienate or convey in advance of actual receipt, the amounts,if any, payable hereunder, or any part thereof, which are, and all rights to which are expressly declared to be, unassignable andnon-transferable. No part of the amounts payable shall, prior to actual payment, be subject to seizure, attachment, garnishmentor sequestration for the payment of any debts, judgments, alimony or separate maintenance owed by a Participant or any otherperson, be transferable by operation of law in the event of a Participant\u2019s or any other person\u2019s bankruptcy or insolvency or betransferable to a spouse as a result of a property settlement or otherwise.\n15.5 Not a Contract of Employment. The terms and conditions of this Plan shall not be deemed to constitute a contract ofemployment between the Company and the Participant. Subject to any employment agreement to which the Company and theParticipant may be parties, such employment is hereby acknowledged to be an \u201cat will\u201d employment relationship that can beterminated at any time for any reason, or no reason, with or without cause, and with or without notice, unless expressly providedin a written employment agreement. Nothing in this Plan shall be deemed to give a Participant the right to be retained in theservice of the Company, either as an Employee or a Director, or to interfere with the right of the Company to discipline ordischarge the Participant at any time.\n15.6 Furnishing information. A Participant or the Participant\u2019s Beneficiary will cooperate with the Administrator by furnishing any andall information requested by the Administrator and take such other actions as may be requested in order to facilitate theadministration of the Plan and the payments of benefits hereunder, including but not limited to taking such physical examinationsas the Administrator may deem necessary.\n- 33 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3125, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "9b77abe0-6d7d-448c-9f08-82068dfbca4a": {"__data__": {"id_": "9b77abe0-6d7d-448c-9f08-82068dfbca4a", "embedding": null, "metadata": {"page_label": "211", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "e515e6ff-2523-4911-a271-c7d945417aef", "node_type": "4", "metadata": {"page_label": "211", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "850d2a1c54a642599a795b8145a6012bb71566606b0a61838ef388b2750549af", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "15.7 Terms. Whenever any words are used herein in the masculine, they shall be construed as though they were in the feminine in allcases where they would so apply; and whenever any words are used herein in the singular or in the plural, they shall beconstrued as though they were used in the plural or the singular, as the case may be, in all cases where they would so apply.\n15.8 Captions. The captions of the articles, sections and paragraphs of this Plan are for convenience only and shall not control oraffect the meaning or construction of any of its provisions.\n15.9 Governing Law. Subject to ERISA, the provisions of this Plan shall be construed and interpreted according to the internal lawsof the State of Georgia without regard to its conflicts of laws principles.\n15.10 Notice. Any notice or filing required or permitted to be given to the Administrator under this Plan shall be sufficient If in writingand hand-delivered, or sent by registered or certified mail, to the address below:\nAssurant, Inc.260 Interstate N Cir SEAtlanta, GA 30339Attn: Benefit Plans Committee\nSuch notice shall be deemed given as of the date of delivery or, if delivery is made by mail, as of the date shown on thepostmark on the receipt for registration or certification.\nAny notice or filing required or permitted to be given to a Participant under this Plan shall be sufficient if in writing and hand-delivered, or sent by mail, to the last known address of the Participant.\n15.11 Successors. The provisions of this Plan shall bind and inure to the benefit of the Company and its successors and assigns andthe Participant and the Participant\u2019s designated Beneficiaries.\n15.12 Spouse\u2019s Interest. The interest in the benefits hereunder of a spouse of a Participant who has predeceased the Participantshall automatically pass to the Participant and shall not be transferable by such spouse in any manner, including but not limitedto such spouse\u2019s will, nor shall such interest pass under the laws of intestate succession.\n15.13 Validity. In case any provision of this Plan shall be illegal or invalid for any reason, said illegality or invalidity shall not affect theremaining parts hereof, but this Plan shall be construed and enforced as if such illegal or invalid provision had never beeninserted herein.\n15.14 Incompetent. If the Administrator determines in its discretion that a benefit under this Plan is to be paid to a minor, a persondeclared incompetent or to a person incapable of handling the disposition of that person\u2019s property, the Administrator may directpayment of such benefit to the guardian, legal\n- 34 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2612, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "eb06265e-4a02-47d4-9722-f70c1e63c379": {"__data__": {"id_": "eb06265e-4a02-47d4-9722-f70c1e63c379", "embedding": null, "metadata": {"page_label": "212", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "1ca0e80e-2337-4608-861c-a84a0802086e", "node_type": "4", "metadata": {"page_label": "212", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "6ccb1985569b3c67b8c7cbe5dae99fb1607ac883c6e03357f44a108905ae1697", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "representative or person having the care and custody of such minor, incompetent or incapable person. The Administrator mayrequire proof of minority, incompetence, Incapacity or guardianship, as it may deem appropriate prior to distribution of thebenefit. Any payment of a benefit shall be a payment for the account of the Participant and the Participant\u2019s Beneficiary, as thecase may be, and shall be a complete discharge of any liability under the Plan for such payment amount.\n15.15 Court Order. The Administrator is authorized to make any payments directed by court order in any action in which the Plan orthe Administrator has been named as a party. In addition, if a court determines that a spouse or former spouse of a Participanthas an interest in the Participant\u2019s benefits under the Plan in connection with a property settlement or otherwise, theAdministrator, in its sole discretion, shall have the right, notwithstanding any election made by a Participant, to immediatelydistribute the spouse\u2019s or former spouse\u2019s interest in the Participant\u2019s benefits under the Plan to that spouse or former spouse inaccordance with Section 409A.\n15.16 Distribution in the Event of Taxation.\n(a) In General. Subject to Section 409A, if, for any reason, all or any portion of a Participant\u2019s benefits under this Planbecomes taxable to the Participant prior to receipt, the Participant may petition the Administrator, for a distribution of thatportion of the Participant\u2019s benefit that has become taxable. Upon the grant of such a petition, which grant shall not beunreasonably withheld, the Company shall distribute to the Participant immediately available funds in an amount equal tothe taxable portion of the Participant\u2019s benefit (which amount shall not exceed a Participant\u2019s unpaid vested AccountBalance under the Plan). If the petition is granted, the tax liability distribution shall be made within ninety (90) days of thedate when the Participant\u2019s petition is granted. Such a distribution shall affect and reduce the Participant\u2019s benefits to bepaid under this Plan.    \n(b) Trust. If any Trust terminates in accordance with the provisions of the Trust and benefits are distributed from the Trust toa Participant in accordance with such provisions, the Participant\u2019s benefits under this Plan shall be reduced to the extentof such distributions.\n15.17 Insurance. The Company, on its own behalf or on behalf of the trustee of the Trust, and, in its sole discretion, may apply for andprocure insurance on the life of the Participant, in such amounts and in such forms as the Company may choose. The Companyor the trustee of the Trust, as the case may be, shall be the sole owner and beneficiary of any such insurance. The Participantshall have no interest whatsoever in any such policy or policies, and at the request of the Company shall submit to medicalexaminations and supply such information and execute such documents as may be required by the insurance company orcompanies to whom the Company has applied for insurance. This\n- 35 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3039, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "455e2e31-496e-4e76-a8d3-9c066b096fbc": {"__data__": {"id_": "455e2e31-496e-4e76-a8d3-9c066b096fbc", "embedding": null, "metadata": {"page_label": "213", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "ad36eb1f-88d8-4179-b0c5-7814b9acf721", "node_type": "4", "metadata": {"page_label": "213", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d8a90c9ca17f2fdb6febdcea01b14e0a96105fbca2246890341aef60786b030e", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "provision shall not be construed as Participant consent for the purchase of insurance hereunder.\n15.18    Aggregation of Employers. To the extent required under Section 409A, if the Company is a member of a controlled group ofcorporations or a group of trades or business under common control (as described in Code Sections 414(b) or (c)), all membersof the group shall be treated as a single Company for purposes of whether there has occurred a Separation from Service and forany other purposes under the Plan as Section 409A shall require.\nIN WITNESS WHEREOF, the Sponsor has signed this Plan document as of the date set forth below, but effective as of January1, 2025.\nASSURANT, INC.\nBy:        \nTitle:        \nDate: ________________________________\n- 36 -", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 759, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "f41e8897-8973-4b28-968c-8509499ff583": {"__data__": {"id_": "f41e8897-8973-4b28-968c-8509499ff583", "embedding": null, "metadata": {"page_label": "214", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "c2c4c8a8-1ca3-4e28-8902-73570ec7a5e6", "node_type": "4", "metadata": {"page_label": "214", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f26fe189211928a15ce99c5c146ee9fb37a06442a360209733db4c4fcaa5c8a7", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Exhibit 10.19\nAMENDMENT NUMBER FIVETO THE ASSURANT EXECUTIVE PENSION PLAN\nTHIS AMENDMENT to the Assurant Executive Pension Plan, as amended and restated effective as of January 1, 2009 (the\u201cPlan\u201d), is adopted by the Assurant, Inc. Benefit Plans Committee (the \u201cCommittee\u201d) effective as of the dates specified below.\nW I T N E S S E T H:\nWHEREAS, Assurant, Inc. (the \u201cCompany\u201d) currently maintains the Plan;\nWHEREAS, pursuant to Article 8 of the Plan, the Committee has the authority to amend the Plan, unless theamendment would significantly increase the Company\u2019s liabilities for the Plan;\nWHEREAS, the Committee desires to amend the Plan to make certain changes; and\nWHEREAS, the Committee has determined that this amendment to the Plan will not significantly increase theliabilities of the Plan.\nNOW THEREFORE, the Committee amends the Plan as follows:\n1.\nEffective as of January 1, 2025, Section 7.02 is amended to read as follows:\n7.02    Committee Membership.\n(a)    Benefit Plans Committee. The Benefit Plans Committee shall be comprised of the following members (or theirfunctional equivalent successor officers):\n1.Senior Vice President, Total Rewards & Wellbeing2.Vice President, Benefits3.Vice President, People Experience & Global Capability Centers4.Senior Vice President, US Lifestyle Operations5.Senior Vice President, Global Housing Operations\nEach member of the Benefit Plans Committee shall serve without the need of a formal appointment orresignation, by virtue of holding or assuming one of the designated positions and shall automatically beremoved as a member of the Benefit Plans Committee by ceasing to hold", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1631, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "445e2f21-9177-449f-b1c4-ed283b0dcc1e": {"__data__": {"id_": "445e2f21-9177-449f-b1c4-ed283b0dcc1e", "embedding": null, "metadata": {"page_label": "215", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "81ea56c4-3d7e-4623-8863-a16adbe37760", "node_type": "4", "metadata": {"page_label": "215", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "81951b98e753e86e3d8e6a806de189b3f0082ca08443c4110107590119ec5494", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "one of the designated positions. In the event of a vacancy in the membership of the Benefit Plans Committee,the remaining members shall function as the full Benefit Plans Committee until the vacancy is filled.\n(b)    Benefit Plans Investment Committee. The Benefit Plans Investment Committee shall be comprised of thefollowing members (or their functional equivalent successor officers):\n1.Senior Vice President, Total Rewards & Wellbeing2.Vice President, Benefits3.Chief Investment Officer4.Senior Vice President, Investment Strategy & Analytics5.Senior Vice President, Chief Accounting Officer\nEach member of the Benefit Plans Investment Committee shall serve without the need of a formal appointmentor resignation, by virtue of holding or assuming one of the designated positions and shall automatically beremoved as a member of the Benefit Plans Investment Committee by ceasing to hold one of the designatedpositions. In the event of a vacancy in the membership of the Benefit Plans Investment Committee, theremaining members shall function as the full Benefit Plans Investment Committee until the vacancy is filled.\n(c)    Compensation and Talent Committee. The Compensation and Talent Committee shall have no fiduciaryresponsibilities with respect to the Plan.\n2.\nEffective as of January 1, 2025, Section 7.05 is amended to replace all references to\u201cBenefit Plans Finance Committee\u201d to \u201cBenefit Plans Investment Committee.\u201d\n3.\nEffective as of January 1, 2025, Article 11 is amended to delete the definitions of \u201cBenefit Plans Finance Committee\u201d and\u201cCompensation Committee.\u201d\n4.\nEffective as of January 1, 2025, Article 11 is amended to revise the definition of \u201cBenefit Plans Investment Committee\u201d asfollows:\nBenefit Plans Investment Committee means the Benefit Plans Investment Committee described in Section 7.04.\n2", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1822, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "cc8a4cef-8141-4e63-9c56-5f33568e5009": {"__data__": {"id_": "cc8a4cef-8141-4e63-9c56-5f33568e5009", "embedding": null, "metadata": {"page_label": "216", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "340adef1-397d-4076-b394-71f04501e792", "node_type": "4", "metadata": {"page_label": "216", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "4aaae7409b58674515f15388c12c026957cc57dce609b8babe0909878ab3c4e3", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "* * * *\nExcept as amended herein, the Plan shall continue in full force and effect.\nIN WITNESS WHEREOF, the undersigned has adopted this Amendment Number Five to the Assurant ExecutivePension Plan on the date shown below, to be effective as of the dates set forth herein.\nASSURANT, INC.BENEFIT PLANS COMMITTEE\nDate _________________________     By ________________________________\nMichael KatzInterim Chairperson, Assurant, Inc. Benefit Plans CommitteeSenior Vice President, Global Total Rewards & Wellbeing\n3", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 509, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "c3117e23-26af-484a-848f-0968bc0567af": {"__data__": {"id_": "c3117e23-26af-484a-848f-0968bc0567af", "embedding": null, "metadata": {"page_label": "217", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "40c9d390-f71c-4a7c-998d-4551f693f9f5", "node_type": "4", "metadata": {"page_label": "217", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "38c4868a254647bbb2e23e29754e97bd2cb71c3d7a7a56eb17a81a2a04d4c8fb", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Exhibit 10.23\nAMENDMENT NUMBER THREETO THE ASSURANT EXECUTIVE 401(k) PLAN\nTHIS AMENDMENT to the Assurant Executive 401(k) Plan, as amended and restated effective as of January 1, 2014 (the\u201cPlan\u201d), is adopted by the Assurant, Inc. Benefit Plans Committee (the \u201cCommittee\u201d) effective as of the dates specified below.\nW I T N E S S E T H:\nWHEREAS, Assurant, Inc. (the \u201cCompany\u201d) currently maintains the Plan;\nWHEREAS, pursuant to Article 8 of the Plan, the Committee has the authority to amend the Plan, unless theamendment would significantly increase the Company\u2019s liabilities for the Plan;\nWHEREAS, the Committee desires to amend the Plan to make certain changes; and\nWHEREAS, the Committee has determined that this amendment to the Plan will not significantly increase theliabilities of the Plan.\nNOW THEREFORE, the Committee amends the Plan as follows:\n1.\nEffective as of January 1, 2025, Section 7.02 is amended to read as follows:\n7.02    Committee Membership.\n(a)    Benefit Plans Committee. The Benefit Plans Committee shall be comprised of the following members (or theirfunctional equivalent successor officers):\n1.Senior Vice President, Total Rewards & Wellbeing2.Vice President, Benefits3.Vice President, People Experience & Global Capability Centers4.Senior Vice President, US Lifestyle Operations5.Senior Vice President, Global Housing Operations\nEach member of the Benefit Plans Committee shall serve without the need of a formal appointment orresignation, by virtue of holding or assuming one of the designated positions and shall automatically beremoved as a member of the Benefit Plans Committee by ceasing to hold", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1630, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "ae4810ea-c505-498e-893a-5cd20913c127": {"__data__": {"id_": "ae4810ea-c505-498e-893a-5cd20913c127", "embedding": null, "metadata": {"page_label": "218", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "fbb7a209-9b19-4800-bac9-72458c90d445", "node_type": "4", "metadata": {"page_label": "218", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "6ac13d01d444153a701c3fff745300ecdb3d5c5147e82dcdc9ecffdd922b7cb6", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "one of the designated positions. In the event of a vacancy in the membership of the Benefit Plans Committee,the remaining members shall function as the full Benefit Plans Committee until the vacancy is filled.\n(b)    Benefit Plans Investment Committee. The Benefit Plans Investment Committee shall be comprised of thefollowing members (or their functional equivalent successor officers):\n1.Senior Vice President, Total Rewards & Wellbeing2.Vice President, Benefits3.Chief Investment Officer4.Senior Vice President, Investment Strategy & Analytics5.Senior Vice President, Chief Accounting Officer\nEach member of the Benefit Plans Investment Committee shall serve without the need of a formal appointmentor resignation, by virtue of holding or assuming one of the designated positions and shall automatically beremoved as a member of the Benefit Plans Investment Committee by ceasing to hold one of the designatedpositions. In the event of a vacancy in the membership of the Benefit Plans Investment Committee, theremaining members shall function as the full Benefit Plans Investment Committee until the vacancy is filled.\n(c)    Compensation and Talent Committee. The Compensation and Talent Committee shall have no fiduciaryresponsibilities with respect to the Plan.\n2.\nEffective as of January 1, 2025, the definition of \u201cBenefit Plans Investment Committee\u201d in Article 11 of the Plan is herebyamended to read as follows:\nBenefit Plans Investment Committee means the Benefit Plans Investment Committee described in Section 7.04.\n3.\nEffective as of January 1, 2025, the definition of \u201cCommittee\u201d in Article 11 of the Plan is hereby amended to read as follows:\nCommittee means the Assurant, Inc. Benefit Plans Committee described in Section 7.01.\n* * * *\n2", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1753, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "2f3d9a72-4266-4f6c-80bc-54d6b063e54b": {"__data__": {"id_": "2f3d9a72-4266-4f6c-80bc-54d6b063e54b", "embedding": null, "metadata": {"page_label": "219", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "e0cd5aa3-372e-41ac-9b35-21d2e29f9b5c", "node_type": "4", "metadata": {"page_label": "219", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "76ded81b341f3ebf0e9cfa318d574ceb92b3aed37dd44ef5a4762fd92faadcd0", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Except as amended herein, the Plan shall continue in full force and effect.\nIN WITNESS WHEREOF, the undersigned has adopted this Amendment Number Three to the Assurant Executive401(k) Plan on the date shown below, to be effective as of the dates set forth herein.\nASSURANT, INC.BENEFIT PLANS COMMITTEE\nDate _________________________     By ________________________________\nMichael KatzInterim Chairperson, Assurant, Inc. Benefit Plans CommitteeSenior Vice President, Global Total Rewards & Wellbeing\n3", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 501, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "e5b6043a-db71-42b5-866c-633e549dad6e": {"__data__": {"id_": "e5b6043a-db71-42b5-866c-633e549dad6e", "embedding": null, "metadata": {"page_label": "220", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "f9fff972-b856-48c9-8d5c-8b365699ccaa", "node_type": "4", "metadata": {"page_label": "220", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ddc3ae9ae83e8b9b9097aec1150f3c8f008c22733f75e327dd0190e5997df2be", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "N o n - CA \nExhibit 10.24\nCHANGE IN CONTROL AGREEMENT\nThis Agreement, dated as of [______________], 2025 (the \"Effective Date\"), is between Assurant, Inc., a Delaware corporation (the\n\"Company\"), and [______________] (the \"Executive\") (the \u201cAgreement\u201d).\nRecital and Meaning of Capitalized Terms\nA. The Company wishes to promote continuity of management in the event of a Change in Control and to provide the Executive\nwith certain benefits in the event Executive\u2019s employment with the Company is terminated by the Company without Cause or by\nthe Executive with Good Reason following or in anticipation of such a Change in Control under the circumstances specified\nbelow.\nB. Wherever they may appear in this document, all capitalized terms have the meanings given in the definitions above or below (as\nthe case may be).\nNOW, THEREFORE, the Company and the Executive hereby agree as follows:\n1. TERM AND EFFECT OF AGREEMENT\nA. Term. This Agreement shall be effective as of the Effective Date and shall continue in effect until the earlier of the Expiration\nDate or the Termination Date. The initial Expiration Date shall be December 31, 2025 but, on that date and each December 31\nthereafter, the Expiration Date shall automatically be extended by one additional year unless, not later than the immediately\npreceding June 30, the Company has given written notice to the Executive that the Expiration Date shall not be so extended;\nprovided, however, that if a Change in Control shall have occurred prior to the original or extended Expiration Date, the\nExpiration Date shall automatically be extended to the second anniversary of the Change in Control.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1650, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "3edd864e-ac70-41bf-819d-2207ef369471": {"__data__": {"id_": "3edd864e-ac70-41bf-819d-2207ef369471", "embedding": null, "metadata": {"page_label": "221", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "663d4063-6061-492e-91db-7cdb46678462", "node_type": "4", "metadata": {"page_label": "221", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "cf2e91273d840ae783064bab094b103c7ce4d1fe5987dc3970eb66949363aacd", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "B. Effect of This Agreement. Prior to the Period of Employment hereunder, the employment of the Executive by the Company shall\nbe at will and may be terminated at any time for any reason in the sole and unlimited discretion of the Company or the\nExecutive.\n2. CERTAIN DEFINITIONS\nA. Change in Control.\nFor purposes of this Agreement, a Change in Control shall mean a change in control of the Company, which shall be deemed\nto have occurred upon:\ni. the consummation of an acquisition by any individual, entity or group (within the meaning of Section 13(d)(3) or 14(d)(2) of\nthe Securities Exchange Act of 1934, as amended (the \u201cExchange Act\u201d)) (a \u201cPerson\u201d) of beneficial ownership (within the\nmeaning of Rule 13d-3 promulgated under the Exchange Act) of shares of outstanding voting securities of the Company\nentitled to vote generally in the election of directors (the \"Outstanding Voting Securities\") that, when combined with any\nother securities owned beneficially by the acquirer, would result in such acquirer beneficially owning thirty percent or more\nof either (a) the then outstanding shares of common stock of the Company or (b) the combined voting power of the then\nOutstanding Voting Securities, excluding any Person that is the surviving or resulting entity in a transaction described in\nSection 2.A.(iii) below that does not also result in a Change in Control thereunder.\nii. the failure, at any time following the date hereof, of those individuals who as of the date hereof constitute the Board of\nDirectors of the Company (the \u201cIncumbent Board\u201d) and any new directors (\u201cSuccessor Directors\u201d) appointed to fill interim\nvacancies or nominated for election by the Company's stockholders in\n2", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1703, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "59c34511-68cb-4047-a7ce-44805410ce31": {"__data__": {"id_": "59c34511-68cb-4047-a7ce-44805410ce31", "embedding": null, "metadata": {"page_label": "222", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3be9b81e-cc6a-483c-9f68-bf1e4f4df3e0", "node_type": "4", "metadata": {"page_label": "222", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "089dccab027d83880d5ec38a17f249321f4633e88f66cfaf98a101e9f0956c2c", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "either case pursuant to a vote of at least a majority of the directors then in office who are either Incumbent Directors or\nSuccessor Directors, to constitute a majority of the Board of Directors of the Company, provided, however, that, for\npurposes of this subparagraph, any individual appointed or approved for nomination as a result of an actual or threatened\ncontest with respect to the election or removal of directors or other actual or threatened solicitation of proxies or consents\nshall not be treated or counted as a Successor Director;\niii.    the consummation of a transaction approved by the stockholders of the Company that is a merger, consolidation,\nreorganization or similar corporate transaction, regardless of whether the Company is the surviving corporation in such\ntransaction, other than a merger, consolidation, or reorganization that results in the Outstanding Voting Securities\nimmediately prior thereto continuing to represent (either by remaining outstanding or by being converted into voting\nsecurities of the surviving entity constituting) more than fifty percent of the combined voting power of the voting securities\nof the Company (or such surviving entity) outstanding immediately after such merger, consolidation, reorganization or\ntransaction; or\niv. the consummation of a transaction or series of transactions approved by the stockholders of the Company that is (a) the\nsale or other disposition of all or substantially all of the assets (by way of reinsurance or otherwise) of the Company or (b) a\ncomplete liquidation or dissolution of the Company or the Company.\nB. Period of Employment. The Period of Employment shall mean the period of time commencing on the date of a Change in Control\nand ending on the earlier of the\n3", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1761, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "648a9de1-b1ff-45b8-a171-efa1dd69cbca": {"__data__": {"id_": "648a9de1-b1ff-45b8-a171-efa1dd69cbca", "embedding": null, "metadata": {"page_label": "223", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "f4a35495-8a7a-4386-90e9-858b9fb89cc2", "node_type": "4", "metadata": {"page_label": "223", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "fad689e5dd87a64a0a55a9e8d38a90e7599b84e2de8f4ba0615e172db7b0dd60", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Expiration Date or the Termination Date (as defined below) or, if there has been a public announcement of a proposed\ntransaction that results in a Change in Control within 24 months following the initial such public announcement, commencing on\nthe date of the first such announcement in the event that the Executive\u2019s employment is thereafter terminated by the Company\nwithout Cause prior to such Change in Control (an \u201cAnticipatory Termination\u201d). For avoidance of doubt, the previous sentence\ndoes not confer upon the Executive the prerogative of terminating the Executive\u2019s employment voluntarily for Good Reason\nbefore a Change of Control has occurred and thereby being entitled to any benefits under this Agreement.\nC. Contract Term. The Contract Term shall mean the period commencing on the date of a Change in Control and ending on the\nExpiration Date or, in the case of an Anticipatory Termination, commencing on the date of the first public announcement referred\nto in the immediately preceding Section 2.B.\nD. Termination Date. The Termination Date shall mean the date as of which the Executive's employment with the Company shall\ncease as specified in Section 5 or 6, below.\nE. Target. When used in relation to any incentive award or bonus payment \u201cTarget\u201d means the target (whether stated as a\npercentage of base salary or as an amount in U.S. dollars) for the Executive approved by the Compensation and Talent\nCommittee of the Board of Directors of the Company (or the Board of Directors as a whole) in (a) the year immediately preceding\na Change in Control or (b) the year during the Period of Employment when such target is established, whichever is greater.\nEXECUTIVE'S RESPONSIBILITIES; LOCATION\n4", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1713, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "8679983e-8067-4027-887d-a63b0b059615": {"__data__": {"id_": "8679983e-8067-4027-887d-a63b0b059615", "embedding": null, "metadata": {"page_label": "224", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "aa02b0f7-b481-41aa-a435-4b3c1ef8949f", "node_type": "4", "metadata": {"page_label": "224", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d6ef9ad147711c3f0074cf5294b2db212fa08f31623c2e6e811c8b38e839287b", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "A. Position, Duties, Responsibilities. During the Period of Employment, the Executive shall serve in the position and have the duties\nand responsibilities as in effect immediately prior to the date of commencement of the Contract Term.\nB. Best Efforts. During the Period of Employment, the Executive shall devote the Executive\u2019s full time, best efforts, and undivided\nattention during normal business hours to the business and affairs of the Company, except reasonable time for vacations, illness,\nor incapacity.\nC. Principal Business Office. During the Period of Employment, the Executive's principal business office shall be the office address\nas it existed immediately prior to the date of Commencement of the Contract Term (the \u201cPrincipal Business Office\u201d).\nCOMPENSATION, PERQUISITES AND EMPLOYEE BENEFITS\nA. Base Salary. During the Period of Employment, the Executive shall receive an annual base salary at a rate not less than the\nrate in effect immediately prior to the date of commencement of the Contract Term (\u201cBase Salary\u201d).\nB. Incentive Compensation. During the Period of Employment, the Executive shall continue to be a full participant in the\nCompany's short-term annual incentive compensation plan (\u201cAnnual Bonus\u201d) and the Company\u2019s long term incentive plan, as\nwell as any comparable successor plans (collectively, the \u201cIncentive Plans\u201d), as the Incentive Plans are in effect immediately\nprior to the date of commencement of the Contract Term and with such changes and improvements in the Incentive Plans or\nother incentive compensation plans as may from time to time be approved by the Compensation and Talent Committee of the\nCompany\u2019s Board of Directors with incentive opportunities no less favorable, in the aggregate, than the aggregate incentive\nopportunities provided to the Executive before the date of commencement of the Contract Term. The Executive shall also be\nentitled to participate in any other\n5", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1928, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "3032cb6b-9558-4ea5-992a-75105fb622e6": {"__data__": {"id_": "3032cb6b-9558-4ea5-992a-75105fb622e6", "embedding": null, "metadata": {"page_label": "225", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "932c0773-e827-4332-a467-77125d2ddceb", "node_type": "4", "metadata": {"page_label": "225", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "4273d42d81d1010394adc5eeeaa0d62684da29737d00c124a67e331c9d7993e8", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "incentive compensation plans generally available to senior executives of the Company. If any of the Incentive Plans is\nterminated or discontinued, the Executive shall be entitled to participate in other incentive compensation plans with terms at\nleast as favorable to the Executive, in the aggregate, as were the Incentive Plans in effect before the termination or\ndiscontinuance of the Incentive Plans. Each such Annual Bonus shall be paid no later than two-and-a-half months after the end\nof the fiscal year for which the Annual Bonus is awarded, unless the Executive shall elect to defer the receipt of such Annual\nBonus pursuant to an arrangement that meets the requirements of Section 409A of the Internal Revenue Code of 1986, as\namended (the \u201cCode\u201d), excluding arrangements authorized pursuant to Treasury Regulation \u00a7 1.409A-1(e).\nC. Employee Benefits. During the Period of Employment, the Executive shall be entitled to participate in all employee benefit\nplans and programs as in effect for senior executives of the Company immediately prior to the date of commencement of the\nContract Term, or employee benefit plans and programs that are substantially comparable thereto (the \u201cBenefit Plans\u201d) under\nthe terms of the Benefit Plans, with such changes and improvements in the Benefit Plans as may from time to time be made in\naccordance with the practices of the Company, provided, however, that, for purposes of this paragraph, no plan, arrangement\nor expectation with respect to severance or other benefit or payment that may be made upon termination of employment (other\nthan as provided in this document) shall be considered a Benefit Plan.\n5. DEATH OR DISABILITY\n6", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1678, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "29131ceb-7970-42b5-8109-2a8ffcd41e6c": {"__data__": {"id_": "29131ceb-7970-42b5-8109-2a8ffcd41e6c", "embedding": null, "metadata": {"page_label": "226", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "ac1dc686-4eb8-4883-986d-b43e3119b6c1", "node_type": "4", "metadata": {"page_label": "226", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "0c3fa23806818bc4f95b7bd7d9bd1a69b647fdeddfea412a77df04e009c84fb4", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "A. Death. If the Executive should die during the Period of Employment, the Executive\u2019s employment shall be deemed to have\nterminated on the last day of the month in which death shall have occurred.\nB. Disability. \u201cDisability\u201d shall mean an illness or accident that has prevented the Executive from performing the Executive\u2019s duties\nunder this Agreement for a period of six consecutive months. In the event the Executive suffers a Disability during the Period of\nEmployment, the Executive\u2019s employment shall terminate on the last day of such six-month period.\n6. TERMINATION OF EMPLOYMENT BY THE COMPANY OR THE EXECUTIVE\nEither the Company or the Executive may, at any time, terminate the Executive\u2019s employment with the Company.\nA. Cause. The termination of the Executive's employment by the Company during the Contract Term shall be deemed to be for\n\u201cCause\u201d only if it is due to:\n(1) conviction of the Executive of a felony;\n(2) an act or acts of dishonesty by the Executive;\n(3) the Executive\u2019s material violation of a Company employment or other policy applicable to the Executive;\n(4) a willful, deliberate and intentional failure by the Executive during the Period of Employment (not including any failure by\nreason of incapacity due to illness or accident) to comply with the provisions of this Agreement relating to the time and best\nefforts to be devoted by the Executive to the affairs of the Company, if such failure demonstrably results in material injury to\nthe Company; or\n(5) the Executive\u2019s gross misconduct resulting in material risk (which may be legal or reputational risk) or injury (whether\nmaterial or immaterial) to the Company;\n7", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1652, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "bb8ed582-5d43-4388-b00c-9cb8638b3518": {"__data__": {"id_": "bb8ed582-5d43-4388-b00c-9cb8638b3518", "embedding": null, "metadata": {"page_label": "227", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d45620b1-644f-4eb6-adea-bd52254395da", "node_type": "4", "metadata": {"page_label": "227", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d04b053a78d8415359263730a9c6fd3d35b49f326bd4b59723636c99e6e7d384", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "provided that notice of such termination is given in accordance with Section 6.C., below.\nB. Good Reason. The termination of the Executive's employment by the Executive during the Contract Term shall be deemed to be\nfor \u201cGood Reason\u201d only if such termination shall be the result of the following events without the Executive\u2019s written consent:\n(1) a reduction during the Period of Employment in the level, as of the date of the Change in Control, of either (a) the\nExecutive's Base Salary or (b) the Executive's Target Incentive Plan opportunities or (c) if material, the Benefit Plan\ncoverages (other than a reduction in awards or benefits that is generally applicable to participants in a plan in accordance\nwith the terms of the plan in effect immediately prior to the date of the Change in Control);\n(2) a material diminution during the Period of Employment in the Executive's position, powers, authority, duties or\nresponsibilities, or the business to which those powers, authority, duties or responsibilities apply;\n(3) removal during the Period of Employment of the Executive from the office the Executive held immediately prior to the\nChange in Control or material change during the Period of Employment in the Executive's chain of supervision as it\nexisted immediately prior to the Change in Control;\n(4) any requirement that the Executive work at a principal place of business other than the Principal Business Office, if it is\nmore than 30 miles from the Executive's residence at the time of the Change in Control;\n(5) a material breach of this Agreement by the Company, provided notice of the Executive's election to terminate the\nExecutive\u2019s employment for Good Reason under this Agreement is given in accordance with Section 6.C., below.\n8", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1753, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "58f8502f-4854-4833-adf8-b85fb516eba1": {"__data__": {"id_": "58f8502f-4854-4833-adf8-b85fb516eba1", "embedding": null, "metadata": {"page_label": "228", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "01166475-0ebb-401c-a48b-2b47efd3b1d0", "node_type": "4", "metadata": {"page_label": "228", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "705d6bb8306a328954cb68c122fb0aa9043ac5d10ae49bc65e12adb15a673b40", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "The Executive\u2019s failure to elect to terminate the Executive\u2019s employment with respect to one event giving rise to Good Reason\ndoes not preclude the Executive from making the election with respect to a subsequent event.\nC. Termination Procedure    \n(1)Notice\n(a)Notice of termination of employment under this Agreement shall be provided in writing by the Company or the Executive,\nas applicable, and shall specify the date of termination of employment, which date shall in no event be earlier than 60\ndays from the date of such notice.\n(b)In the event the Company elects to terminate the Executive's employment, in the notice required by the immediately\npreceding subparagraph, the Company shall state whether the termination is for Cause. If so, such notice shall state that\nthe Executive has engaged in conduct set forth in Section 6.A., above, with the particulars thereof specified in detail.\n(c)In the event the Executive elects to terminate employment, in the notice required by this Section 6.C., the Executive shall\nstate whether the voluntary termination of employment is for Good Reason. If so, such notice shall state the reason or\nreasons for such termination, as set forth in Section 6.B., with the particulars thereof specified in detail, and shall be given\nwithin thirty (30) days after the most recent event giving rise to Good Reason.\n(2)Cure\n(a)In the case of the Executive's alleged breach as set forth in Section 6.A.(4), the Executive shall be given the opportunity to\nremedy such alleged breach within 30 days from the Executive\u2019s receipt of the notice referred to above.\n9", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1594, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "118b1948-35d6-4a92-992f-b173eb0059b2": {"__data__": {"id_": "118b1948-35d6-4a92-992f-b173eb0059b2", "embedding": null, "metadata": {"page_label": "229", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "2ab46218-859d-4733-a97d-9d7d51db58a9", "node_type": "4", "metadata": {"page_label": "229", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "316f7db2cb38b7a4a01d7ae5785ee139716660ed56bfbf198f1cd051ff90afa7", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "(b)In the case of the Executive's allegation of Good Reason as set forth in Section 6.B., none of the events described in\nSection 6.B. shall constitute Good Reason unless and until (i) the Company fails to cure such condition within thirty (30)\ndays after the Company\u2019s receipt of the Executive\u2019s written notice as set forth in Section 6.C.(1)(c) and (ii) the Executive\nterminates the Executive\u2019s employment within thirty (30) days after the end of such thirty (30) day cure period.\n10", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 485, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "e84f8fa8-59ed-4f78-b801-4d29c066c619": {"__data__": {"id_": "e84f8fa8-59ed-4f78-b801-4d29c066c619", "embedding": null, "metadata": {"page_label": "230", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "1557856e-6cab-490d-9ff5-4f551ade1e42", "node_type": "4", "metadata": {"page_label": "230", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e0eb31adb1b8674e2148871e8a82adc846f9bbb053bca727e51e284461414c14", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "7. CONSEQUENCES OF TERMINATION, DEATH OR DISABILITY\nA. Accrued Obligations. In the event of termination of the Executive\u2019s employment for any reason during the Period of\nEmployment, the Company shall be obligated to pay or provide to the Executive (or the Executive\u2019s estate, as applicable) within\nfourteen (14) days following the Termination Date or at such other time prescribed by any applicable benefit plan or applicable\nlaw: (1) the Executive\u2019s annual Base Salary through the Termination Date to the extent not theretofore paid, (2) the Executive\u2019s\nbusiness expenses that are reimbursable but have not been reimbursed by the Company as of the Termination Date, consistent\nwith the Company\u2019s expense reimbursement policy; (3) the Executive\u2019s Annual Bonus for the fiscal year immediately preceding\nthe fiscal year in which the Termination Date occurs, if such bonus has been determined by the Compensation and Talent\nCommittee of the Company\u2019s Board of Directors but not paid as of the Termination Date or, if no such determination has been\nmade as of the Termination Date, the Target Annual Bonus for such immediately preceding fiscal year; (4) any vested benefits\nand any other benefits that the Executive is entitled to receive under any plan, policy, practice or program of, or any other\ncontract or agreement with, the Company (which benefits shall be paid in accordance with the terms of such plan, policy,\npractice, program, contract or agreement), and (5) any accrued paid time off to the extent not theretofore paid (the sum of the\namounts described in this subsection A being referred to herein as the \u201cAccrued Obligations\u201d).\nB. Termination by the Company Other Than for Cause or by the Executive for Good Reason. In the event that, upon or within two\nyears from the date of a Change in Control, the Executive\u2019s employment is terminated by the Company other than for Cause or\nis terminated by the Executive for Good Reason, or in the event of an\n11", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1962, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "3b124cd1-6075-41e6-bef0-1ab271ca2715": {"__data__": {"id_": "3b124cd1-6075-41e6-bef0-1ab271ca2715", "embedding": null, "metadata": {"page_label": "231", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a4c26c8e-b6e4-45f3-9626-0703cdeac662", "node_type": "4", "metadata": {"page_label": "231", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "23a194e0194f48c990b2e17dfa540b1dc6a5e16ae8ad855d6cc7fa54c6cddb49", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Anticipatory Termination, the Company shall pay to the Executive the following amounts and provide the following benefits (in\naddition to the Accrued Obligations) if the Executive has executed and has not revoked, within fifty-two (52) days after the\nTermination Date (or, in the case of an Anticipatory Termination, the date of the Change in Control), a general release in the\nform attached hereto as Appendix A:\n(1) a lump sum in cash within sixty (60) days after the Termination Date (or, in the case of an Anticipatory Termination, the date of\nthe Change in Control) equal to the sum of (a) an amount equal to the product of (x) the Target Annual Bonus and (y) 0.5\n(the \u201cPro Rata Bonus\u201d); (b) two times the sum of (x) the Executive\u2019s annual Base Salary and (y) the Target Annual Bonus;\nand (c) an amount equal to, and at the same after tax cost to the Executive, as eighteen (18) months of Company\ncontributions towards the Executive\u2019s health care and life insurance benefits as in effect immediately prior to the Executive\u2019s\nTermination Date.\n(2)outplacement services, for a limited period not longer than twelve months following the Executive\u2019s Termination Date, the\nscope and provider of which shall be selected by the Company in the Company\u2019s reasonable discretion but which, in any\nevent, shall be of a scope suitable for a senior executive officer of a public company.\nC. Death. If the Executive\u2019s employment is terminated by reason of the Executive\u2019s death during the Period of Employment, the\nCompany shall pay to the Executive\u2019s estate the Accrued Obligations and the Pro Rata Bonus and shall have no other\nseverance obligations under this Agreement. The Accrued Obligations and the Pro Rata Bonus shall be paid to the Executive\u2019s\nestate in a lump sum in cash within thirty (30) days of the Termination Date or such other date as is allowable under applicable\nlaw.\n12", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1880, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "23f7c327-3b1d-4ada-a38a-c85ba0f6d577": {"__data__": {"id_": "23f7c327-3b1d-4ada-a38a-c85ba0f6d577", "embedding": null, "metadata": {"page_label": "232", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "59768ff0-e2e4-4eb6-8c92-595dbdc3e967", "node_type": "4", "metadata": {"page_label": "232", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "dd89461eac5e75c9020926cf999065ef0a5f37bafcf2690c4e19eecead924987", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "D. Disability. If the Executive\u2019s employment is terminated by reason of the Executive\u2019s Disability during the Period of Employment,\nthe Company shall pay to the Executive the Accrued Obligations and Pro Rata Bonus and shall have no other severance\nobligations under this Agreement. The Accrued Obligations and the Pro Rata Bonus shall be paid to the Executive in a lump\nsum in cash within sixty (60) days of the date on which the revocation period runs on the Executive\u2019s execution of the general\nrelease. The Pro Rata Bonus will be paid only if the Executive has executed and has not revoked, within fifty-two days after the\nTermination Date, a general release in the form attached hereto as Appendix A.\nE. Cause; Other Than for Good Reason. If the Executive\u2019s employment is terminated for Cause during the Period of Employment,\nthe Company shall pay to the Executive the Accrued Obligations and shall have no severance obligations under this Agreement,\nincluding that the Executive shall have no right to payment of a Pro Rata Bonus. If the Executive voluntarily terminates\nemployment during the Period of Employment other than for Good Reason, the Company shall pay to the Executive the\nAccrued Obligations and a Pro Rata Bonus and shall have no other severance obligations under this Agreement. In such case,\nall the Accrued Obligations and the Pro Rata Bonus shall be paid to the Executive in a lump sum in cash within sixty (60) days\nof the date on which the revocation period runs on the Executive\u2019s execution of the general release. The Pro Rata Bonus will be\npaid only if the Executive has executed and has not revoked, within fifty-two days after the Termination Date, a general release\nin the form attached hereto as Appendix A.\nF. Consideration for Restrictive Covenants. The Company and the Executive hereby stipulate that such portion of the amounts\npayable pursuant to Section 7.B. of this Agreement as may be determined to be reasonable by a nationally recognized\n13", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1982, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "0ec3f72e-6809-45c8-9a11-79ad41cba3dd": {"__data__": {"id_": "0ec3f72e-6809-45c8-9a11-79ad41cba3dd", "embedding": null, "metadata": {"page_label": "233", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "7f088f80-21c7-4a4a-bcee-2725133786b7", "node_type": "4", "metadata": {"page_label": "233", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "94b3773bad2eab1361d43a617496846c71ef66d1f102a0a86af2f26493125f0f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "accounting firm (the \u201cAccounting Firm\u201d) is in consideration, in part, for Executive\u2019s agreeing and adhering to the Restrictive\nCovenants set forth in Section 11.A. The Executive agrees to report such payments on all applicable tax returns in a manner\nconsistent with the preceding sentence.\n8. NON-EXCLUSIVITY OF RIGHTS\nNothing in this Agreement shall prevent or limit the Executive\u2019s continuing or future participation in any plan, program, policy or\npractice provided by the Company and for which the Executive may qualify. Without limiting the generality of the foregoing, the\nExecutive\u2019s resignation under this Agreement with or without Good Reason shall in no way affect the Executive\u2019s ability to\nterminate employment by reason of the Executive\u2019s \u201cretirement\u201d under, or to be eligible to receive benefits under, any\ncompensation and benefits plans, programs or arrangements of the Company, including without limitation any retirement or\npension plans or arrangements or substitute plans adopted by the Company or any of its respective successors, and any\ntermination which otherwise qualifies as Good Reason shall be treated as such even if it is also a \u201cretirement\u201d for purposes of any\nsuch plan. Notwithstanding the foregoing, if the Executive receives payments and benefits pursuant to Section 7.B. of this\nAgreement, the Executive shall not be entitled to any severance pay or benefits under any severance plan, program or policy of\nthe Company.\n9. RECOUPMENT; NO MITIGATION REQUIREMENT; LEGAL FEES\nA. Recoupment. The Company\u2019s obligation to make the payments provided for in this Agreement and Executive\u2019s receipt of the\npayments provided for in this Agreement are subject to compliance with Section 10D of the Securities Exchange Act of 1934, as\namended, and any regulations promulgated thereunder, including Rule 10D-1 and\n14", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1838, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "07925950-21aa-4a0f-84a2-15f6b18cf872": {"__data__": {"id_": "07925950-21aa-4a0f-84a2-15f6b18cf872", "embedding": null, "metadata": {"page_label": "234", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "05d068cb-d557-4cfd-8286-ab540736b20c", "node_type": "4", "metadata": {"page_label": "234", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "41d3eb7ac604dd6b0df93ab30499d897a4042e2700243929caa46012136010f6", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Section 303A.14 of the New York Stock Exchange Listed Company Manual and the Assurant, Inc. Compensation Clawback\nPolicy, as may be amended from time to time.\nB. With the exception of the foregoing, the Company\u2019s obligation to make the payments provided for in this Agreement and\notherwise to perform its obligations hereunder shall not be affected by any set-off, counterclaim, recoupment, defense, or other\nclaim, right or action that the Company may have against the Executive or others. In no event shall the Executive be obligated\nto seek other employment or take any other action by way of mitigation of the amounts payable to the Executive under any of\nthe provisions of this Agreement. Except as specifically provided in Section 7, such amounts shall not be reduced whether or\nnot the Executive obtains other employment. The Company agrees to pay as incurred (within 30 days following the Company\u2019s\nreceipt of an invoice from the Executive), at any time from the Effective Date of this Agreement through the Executive\u2019s\nremaining lifetime (or, if longer, through the 20 anniversary of the Effective Date) to the full extent permitted by law, all\nreasonable legal fees and related expenses that the Executive may reasonably incur as a result of any contest (regardless of\nthe outcome thereof) by the Company, the Executive or others of the validity or enforceability of, or liability under, any provision\nof this Agreement or any guarantee of performance thereof (including as a result of any contest by the Executive about the\namount of any payment pursuant to this Agreement), plus, in each case, interest on any delayed payment at the applicable\nfederal rate provided for in Section 7872(f)(2)(A) of the Code (\u201cInterest\u201d) determined as of the date such legal fees and\nexpenses were incurred. In no event shall the payments by the Company under this Section 9 be made later than the end of the\ncalendar year next following the calendar year in which such fees and expenses were incurred, provided, that the Executive\nshall have submitted an invoice for such\nth\n15", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2072, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "34eec219-ca2b-4898-b7f2-bc7cfa35aeb0": {"__data__": {"id_": "34eec219-ca2b-4898-b7f2-bc7cfa35aeb0", "embedding": null, "metadata": {"page_label": "235", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a1222672-723d-4695-8067-80b937b0c683", "node_type": "4", "metadata": {"page_label": "235", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "174fa6429b79c3b36e88653c3277387a26fb339f4c32b9361a601a127942519e", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "fees and expenses at least 30 days before the end of the calendar year next following the calendar year in which such fees and\nexpenses were incurred. The amount of such legal fees and expenses that the Company is obligated to pay in any given\ncalendar year shall not affect the legal fees and expenses that the Company is obligated to pay in any other calendar year, and\nthe Executive\u2019s right to have the Company pay such legal fees and expenses may not be liquidated or exchanged for any other\nbenefit.\n10.TREATMENT OF CERTAIN PARACHUTE PAYMENTS\nA.    Anything in this Agreement to the contrary notwithstanding, in the event it shall be determined that (i) any Payment (or any\nacceleration of any Payment) to or for the benefit of the Executive would be subject to the Excise Tax, and (ii) the reduction of\nthe amounts payable to the Executive under this Agreement to the Safe Harbor Amount would provide the Executive with a\ngreater after-tax amount than if such amounts were not reduced, then the amounts payable to the Executive under this\nAgreement shall be reduced (but not below zero) by an amount sufficient to reduce the Parachute Value of the Payments to the\nSafe Harbor Amount. The reduction of the Parachute Value of the Payments, if applicable, shall be made by reducing the\npayments and benefits under the following sections of this Agreement in the following order: (i) Section 7.B.(1)(b), hereof, (ii)\nSection 7.B.(1)(a) hereof and (iii) Section 7.B.(1)(c) hereof unless an alternative method of reduction was elected by the\nExecutive prior to the date set forth in the first paragraph of this Agreement. If the reductions described in the preceding\nsentence are not sufficient to reduce the Parachute Value of the Payments to the Safe Harbor Amount, further reduction of the\nParachute Value of the Payments shall be made in the manner which has the least economic cost to the Executive.\n16", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1907, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "d5b6d06f-0ed5-4058-9d05-48d9a2ba5272": {"__data__": {"id_": "d5b6d06f-0ed5-4058-9d05-48d9a2ba5272", "embedding": null, "metadata": {"page_label": "236", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "1b4c5554-e1d5-431f-8d1c-df5bb02a7cd8", "node_type": "4", "metadata": {"page_label": "236", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "991f2b7f9ab4b39f5f87bb1e5b827f7c2eeef19232c6144fee8800d621d3dca0", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "B.    All determinations required to be made under this Section 10, including the Safe Harbor Amount, whether and when an Excise\nTax is due, the amount of Excise Tax and the assumptions to be used in arriving at such determinations, shall be made by the\nAccounting Firm on the basis of such reasonable assumptions as may be determined by the Accounting Firm or as may be\nagreed to by the Company and the Executive and as are reasonably acceptable to the Accounting Firm. The Accounting Firm\nshall be requested to provide detailed supporting calculations both to the Company and the Executive within 15 business days\nof the receipt of notice from the Executive that there has been a Payment or such earlier time as is requested by the Company.\nIn the event the Accounting Firm is serving as accountant or auditor for the individual, entity or group effecting the Change in\nControl or is otherwise unable to perform the assignment contemplated by this subparagraph, the Executive may appoint\nanother nationally recognized accounting firm to make the determinations required hereunder (which accounting firm shall then\nbe referred to as the Accounting Firm hereunder). All fees and expenses of the Accounting Firm shall be borne solely by the\nCompany. Any determination by the Accounting Firm shall be binding upon the Company and the Executive. If the Accounting\nFirm determines that no Excise Tax is payable by Executive, it shall furnish Executive with a written opinion to such effect, and\nto the effect that failure to report the Excise Tax, if any, on Executive\u2019s applicable federal income tax return will not result in the\nimposition of a negligence or similar penalty. In the event the Accounting Firm determines that the Parachute Value of the\nPayments shall be reduced to the Safe Harbor Amount, it shall furnish Executive with a written opinion to such effect. The\ndetermination by the Accounting Firm shall be binding upon the Company and Executive (except as provided in paragraph (C)\nbelow).\n17", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2005, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "43910517-83e2-4af9-9929-c6c8b66a01a6": {"__data__": {"id_": "43910517-83e2-4af9-9929-c6c8b66a01a6", "embedding": null, "metadata": {"page_label": "237", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "bcd34e42-60e1-4176-b478-1234faf5c3ba", "node_type": "4", "metadata": {"page_label": "237", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "15733d29f6122f5dc954659a25ea53e3ab411de3ce2f6347cecb69e5568215a0", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "C.    If it is established pursuant to a final determination of a court or the Internal Revenue Service (the \u201cIRS\u201d) proceeding, which\nhas been finally and conclusively resolved, that Payments have been made to, or provided for the benefit of, Executive by the\nCompany, which are in excess of the limitations provided in this Section 10 (hereinafter referred to as an \u201cExcess Payment\u201d),\nsuch Excess Payment shall be deemed for all purposes to be a loan to Executive made on the date Executive received the\nExcess Payment and Executive shall repay the Excess Payment to the Company on demand, together with interest on the\nExcess Payment at the applicable federal rate (as defined in Section 1274(d) of the Code) from the date of Executive\u2019s receipt\nof such Excess Payment until the date of such repayment. As a result of the uncertainty in the application of Section 4999 of the\nCode at the time of the determination, it is possible that Payments which will not have been made by the Company should have\nbeen made (an \u201cUnderpayment\u201d), consistent with the calculations required to be made under this Section 10. In the event that it\nis determined (i) by the Accounting Firm, the Company (which shall include the position taken by the Company, or together with\nits consolidated group, on its federal income tax return) or the IRS or (ii) pursuant to a determination by a court, that an\nUnderpayment has occurred, the Company shall pay an amount equal to such Underpayment to Executive within 10 days of\nsuch determination together with interest on such amount at the applicable federal rate from the date such amount would have\nbeen paid to Executive until the date of payment. Executive shall cooperate, to the extent the Executive\u2019s expenses are\nreimbursed by the Company, with any reasonable requests by the Company in connection with any contests or disputes with\nthe IRS in connection with the Excise Tax or the determination of the Excess Payment.\n18", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1953, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "ee0e7198-9f5a-4670-b7a3-f4d1be87590f": {"__data__": {"id_": "ee0e7198-9f5a-4670-b7a3-f4d1be87590f", "embedding": null, "metadata": {"page_label": "238", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "b300e9df-a6eb-4726-b9e1-65764ba72b25", "node_type": "4", "metadata": {"page_label": "238", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "9040fd7632f4f3569d6d0a35d70121d8da4a2ed6901fe05c4b564e74d9b81c78", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "D.    Definitions. The following terms shall have the following meanings for purposes of this Section 10.\n    (i)    \u201cExcise Tax\u201d shall mean the excise tax imposed by Section 4999 of the Code, together with any interest or penalties\nimposed with respect to such excise tax.\n    (ii)    \u201cParachute Value\u201d of a Payment shall mean the present value as of the date of the change of control for purposes of\nSection 280G of the Code of the portion of such Payment that constitutes a \u201cparachute payment\u201d under Section 280G(b)(2), as\ndetermined by the Accounting Firm for purposes of determining whether and to what extent the Excise Tax will apply to such\nPayment.\n    (iii)    A \u201cPayment\u201d shall mean any payment or distribution in the nature of compensation (within the meaning of Section\n280G(b)(2) of the Code) to or for the benefit of the Executive, whether paid or payable pursuant to this Agreement or otherwise.\n    (iv)    The \u201cSafe Harbor Amount\u201d means 2.99 times the Executive\u2019s \u201cbase amount,\u201d within the meaning of Section 280G(b)(3)\nof the Code.\n11. NONSOLICITATION, NONDISPARAGEMENT, NONCOMPETITION\nA. Restrictions on Solicitation and Competitive Activities. During the Period of Employment and the 12-month period immediately\nfollowing the Termination Date, the Executive shall not, directly or indirectly, (1) solicit, induce or attempt to induce or otherwise\ncounsel, advise, ask or encourage any employee of the Company or any affiliated company to leave the employ of the\nCompany or to accept employment or assignment with any other employer as an employee or independent contractor (without\nregard to who initiated the first communication), (2) solicit, induce or attempt to induce any customer, client, account, vendor or\nother person having a business relationship with the Company to cease doing some or all business\n19", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1834, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "55faa58b-e30d-4d0e-8416-cc81a241a8f3": {"__data__": {"id_": "55faa58b-e30d-4d0e-8416-cc81a241a8f3", "embedding": null, "metadata": {"page_label": "239", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "321fc8b4-f6ac-4416-b420-68ab047ecb2c", "node_type": "4", "metadata": {"page_label": "239", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "976bda6ba96804d9c206898e4f7d445456841a1d17150b1b1cc14f8c18bf29f4", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "with the Company (without regard to who initiated the first communication), (3) interfere with the relationship or (if\ncommunications between such person and the Company concerning a possible business relationship have commenced) the\nprospective relationship between any such person or entity and the Company, (4) participate \u2013whether as an owner, employee,\nconsultant, agent, independent contractor or in any other capacity, except as a holder of five percent or less of the common\nequity of a publicly held corporation \u2013 in any business that is engaged, directly or indirectly, in sales or the provision of products\nor services or other activities in competition with the sales, provision of products or services or other activities of the Company\nor any of its subsidiaries or affiliates, provided, however, that the scope of this subparagraph (4) shall be limited to the\ngeographic area or areas where the Company is actually engaged in such business or, to the actual or constructive knowledge\nof the Executive, is actively planning to engage or considering engaging in such business.\nB. Nondisparagement. During the Period of Employment and during the 24-month period immediately following the Termination\nDate, the Executive shall not, and shall cause Executive\u2019s representatives and agents not to disparage the Company, its\naffiliated companies or any of their employees or directors, except as set forth in Subsection D below. As used herein, to\n\"disparage\" shall mean to make comments or statements that are maliciously untrue.\nC. Confidentiality. The Executive shall hold in a fiduciary capacity for the benefit of the Company all Confidential Information,\nKnowledge or Data relating to the Company and any of its affiliates. For purposes of this section, \u201cConfidential Information,\nKnowledge or Data\u201d means non-public information, knowledge or data that the Executive obtains during the Executive\u2019s\nemployment by the Company or\n20", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1942, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "db290b89-bdc5-47e5-87dd-cd243ce102cd": {"__data__": {"id_": "db290b89-bdc5-47e5-87dd-cd243ce102cd", "embedding": null, "metadata": {"page_label": "240", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "25a9158f-01d0-40df-b2e1-d1b0bc3d65ff", "node_type": "4", "metadata": {"page_label": "240", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "5a4886440f7b12ae92f8e3dee9ecb4330665641e88777ddc100cb3b130a9356a", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "under a confidentiality agreement with or for the benefit of the Company. After termination of the Executive\u2019s employment with\nthe Company, the Executive shall not, without the prior written consent of the Company or as may be required by law or legal\nprocess or as set forth in Subsection D below, communicate or divulge any such Confidential Information, Knowledge or Data\nto anyone other than the Company.\nD. Executive Protection. Nothing in this Agreement or otherwise limits Executive\u2019s ability to communicate directly with and\nprovide information, including documents, not otherwise protected from disclosure by any applicable law or privilege to the\nSecurities and Exchange Commission (\u201cSEC\u201d) or any other federal, state or local governmental agency or commission\n(\u201cGovernment Agencies\u201d) regarding possible legal violations, without disclosure to the Company. The Company may not\nretaliate against Executive for any of these activities, and nothing in this Agreement or otherwise requires Executive to waive\nany monetary award or other payment that Executive might become entitled to from the SEC or any other Government\nAgency. Nothing in this Agreement or otherwise requires Executive to disclose any communications Executive may have had\nor information Executive may have provided to the SEC or any other Government Agencies regarding possible legal\nviolations. Notwithstanding anything to the contrary in this Agreement or otherwise, as provided for in the Defend Trade\nSecrets Act of 2016 (18 U.S.C. \u00a7 1833(b)), Executive will not be held criminally or civilly liable under any federal or state trade\nsecret law for the disclosure of a trade secret that (i) is made (A) in confidence to a federal, state, or local government official,\neither directly or indirectly, or to an attorney, and (B) solely for the purpose of reporting\n21", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1843, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "402cef7a-7966-4c54-acc4-8a87ee7c16e9": {"__data__": {"id_": "402cef7a-7966-4c54-acc4-8a87ee7c16e9", "embedding": null, "metadata": {"page_label": "241", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "efba70f6-5d4c-4e43-932f-a4e8229f874c", "node_type": "4", "metadata": {"page_label": "241", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b81b75aef6392ea39815da2983fd68d2a440d2f9fffe004a6a8f1f40e4e4adb6", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "or investigating a suspected violation of law; or (ii) is made in a complaint or other document filed in a lawsuit or other\nproceeding, if such filing is made under seal. Without limiting the foregoing, if Executive files a lawsuit for retaliation by\nCompany for reporting a suspected violation of law, Executive may disclose the trade secret to the Executive\u2019s attorney and\nuse the trade secret information in the court proceeding, if Executive (x) files any document containing the trade secret under\nseal, and (y) does not disclose the trade secret, except pursuant to court order. Nothing in this Agreement or otherwise is\nintended to limit, nor does it limit, any applicable rights that Executive may have under Section 7 of the National Labor\nRelations Act.\nE. Specific Performance and Injunctive Relief. The Executive agrees that, if the Executive violates this Section 11, the Company\nwill suffer irreparable injury for which damages at law will be difficult to establish with precision and would be an inadequate\nremedy. Accordingly, the Executive agrees that the Company shall have the rights and remedies of specific performance and\ninjunctive relief, in addition to any other rights or remedies that may be available to it at law or in equity, in respect of any\nfailure, or threatened failure, on the part of the Executive to comply with the provisions of this Section 11 and that such rights\nand remedies may include, but shall not be limited to, a temporary restraining order and a preliminary and permanent\ninjunction to restrain any violation or threatened violation of this Agreement by the Executive, as well as a permanent\ninjunction, a writ of specific performance and a right of offset for any amount otherwise owed to the Executive by the\nCompany. For avoidance of doubt, this Section 11.D. shall\n22", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1821, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "0fec6781-8ba0-4c96-afe3-e3d6b09f5d66": {"__data__": {"id_": "0fec6781-8ba0-4c96-afe3-e3d6b09f5d66", "embedding": null, "metadata": {"page_label": "242", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "fec2f1e4-0aa9-4332-b52b-62ed9d422c40", "node_type": "4", "metadata": {"page_label": "242", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "55e10f1e752d6f514199ec0ccc95748851102f312819d340b353a05c21a43a95", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "not preclude or limit any right of the Company\u2019s that it may otherwise have to damages at law, in addition to equitable relief.\n12. MISCELLANEOUS PROVISIONS\nA.  Successors and Assigns.\n(1) This Agreement is personal to the Executive. Without the prior written consent of the Company, the Executive may not\nassign this Agreement of any rights or benefits hereunder other than by will or the laws of descent and distribution.\nNotwithstanding the foregoing, in the event of the Executive\u2019s death or disability, this Agreement shall inure to the benefit\nof and be enforceable by the Executive\u2019s executor or other legal representative.\n(2) This Agreement shall inure to the benefit of and be binding upon the Company and its successors and assigns. Except\nas expressly provided herein (including in the immediately following subparagraph (3)), without the prior written consent\nof the Executive the Company may not assign this Agreement or its duties and obligations thereunder.\n(3) The Company will require any successor (whether direct or indirect, by purchase, merger, consolidation or otherwise) (a\n\u201cSuccessor\u201d) to all or substantially all of the business and/or assets of the Company expressly to assume and agree to\nperform this Agreement in the same manner and to the same extent that the Company would be required to perform it if\nno such succession had taken place. To any Successor who so expressly assumes and agrees to perform this\nAgreement, the Company may assign or otherwise convey this Agreement in its entirety, including all rights against the\nExecutive and all obligation and duties of the Executive hereunder.\n23", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1628, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "f99c9d45-b634-4f8b-b0bb-58d1a7e6416d": {"__data__": {"id_": "f99c9d45-b634-4f8b-b0bb-58d1a7e6416d", "embedding": null, "metadata": {"page_label": "243", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "64a90f54-c1d0-419a-84e8-62e78d2a2d02", "node_type": "4", "metadata": {"page_label": "243", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "bad46b616c28a8786a0722786609b301056464c9ecdfe645671cc36ccbaa5003", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "B. Choice of Law; Jurisdiction and Venue for An Action Seeking Equitable Relief. This Agreement shall be governed by and\nconstrued in accordance with the laws of the State of Delaware, without reference to principles of conflict of laws. An action for\ninjunctive or other equitable relief hereunder may be brought in the federal or state courts located in Atlanta, Georgia, or in any\nother court or courts having subpoena power over, and whose order area enforceable in, the geographic area where any\nactivities in violation of Section 11 are or may be threatened or are or may be taking place. The parties hereby agree that any\nsuch court, to the extent it has subject matter jurisdiction, is an appropriate venue for any such action hereunder. The parties\nagree to submit to the venue and personal jurisdiction of any such court and not to argue forum non conveniens or otherwise\nto contest the appropriateness of laying venue to any such action in any such court.\nC. Modifications, Waiver. This Agreement may not be amended or modified other than by a written agreement executed by the\nparties hereto or their respective successors and legal representatives, provided, however, that, as used in this paragraph, an\namendment or modification may be \u201cexecuted\u201d by any otherwise lawful means, including, where lawful and appropriate,\nproperly authorized electronic signature, facsimile or offer and acceptance by email or other electronic means. No forbearance\nor failure to enforce any obligation under this Agreement shall be construed as, or argued to be, a waiver or estoppel of any\nright a party to this Agreement may otherwise have to enforce the same or a similar obligation at any other time,\nnotwithstanding the passage of time or any other obligation under this Agreement.\n24", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1784, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "27ad62df-8d01-4247-9a6a-e1312f3177ca": {"__data__": {"id_": "27ad62df-8d01-4247-9a6a-e1312f3177ca", "embedding": null, "metadata": {"page_label": "244", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "b0781029-d267-49f7-b81a-a380a5b091dd", "node_type": "4", "metadata": {"page_label": "244", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "3b2170906c6f8f29340c5670827048fc5279475bc9ae5a638d4728e1a2160d3a", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "D. Notices. All notices and other communications hereunder shall be in writing and shall be given by hand delivery to the other\nparty, by overnight courier, or registered or certified mail, return receipt requested, postage prepaid, addressed as follows:\nIf to the Executive:\n    At the most recent address on file at the Company.\nIf to the Company:\n    Assurant, Inc.    260 Interstate N Cir SE    Atlanta, Georgia 30339Attention: Chief Legal Officer\nor to such other address as either party shall have furnished to the other in writing in accordance herewith. Notice and\ncommunications shall be effective when actually received by the addressee.\nE. Enforceability and Severability. The invalidity or enforceability of any provision of this Agreement shall not affect the validity or\nenforceability of any other provision of this Agreement. The parties intend that this Agreement shall be enforced in accordance\nwith its terms to the full extent permitted by law. In this event that any court of competent jurisdiction should find that any provision\nof this Agreement \u2013 including but not limited to the provisions of Section 11 hereof \u2013 is unenforceable to its full extent, the parties\nintend that such provisions shall be enforced to the full extent permissible under the law (including but not limited to with respect\nto its geographic and temporal scope).\nF. Withholding. The Company may withhold from any amounts payable under this Agreement such United States federal, state, or\nlocal or foreign taxes as shall be required.\n25", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1532, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "212efd4b-c170-4851-9500-2c94ee68d400": {"__data__": {"id_": "212efd4b-c170-4851-9500-2c94ee68d400", "embedding": null, "metadata": {"page_label": "245", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "aed88d49-7619-4daa-ac01-2074eeb2627e", "node_type": "4", "metadata": {"page_label": "245", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "127d9b0a31ec294b02c48dc84fae02c75555d1b11a43f0e98349bcb455b6fd6a", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "G. Employment at Will. The Executive and the Company acknowledge that, except as otherwise provided herein or under any other\nwritten agreement between the Executive and the Company, the employment of the Executive by the Company is at will. Prior to\nthe Effective Date, the Executive\u2019s employment may be terminated by either the Executive or the Company, in which case the\nExecutive shall have no further rights under this Agreement.\nH. Complete Agreement. This Agreement embodies the complete understanding of the parties with respect to the Change in Control\nsubject matter hereof. There are no prior or contemporaneous agreements (oral or written, express or implied) between the\nparties with respect to such subject matter. From and after the Effective Date, except as specifically provided herein, this\nAgreement shall supersede any other agreement or alleged agreement between the parties with respect to the subject matter\nhereof. Notwithstanding the foregoing, to the extent that the Executive has or may enter into an equity, incentive compensation,\nor change in control agreement with the Company containing confidentiality, non-solicitation, noncompetition and/or invention\nassignment provisions, the restrictive covenants in this Agreement shall supplement (rather than supersede) the covenants in\nother agreements (\u201cOther Covenants\u201d), and the Other Covenants shall remain in full force and effect. To the extent any conflict\nexists between the restrictions set forth in the Other Covenants and the restrictions set forth in this Agreement, the Company\nshall be provided the greatest protection set forth in either agreement.\nI. Payments in the Event of Anticipatory Termination. Notwithstanding any provision in this Agreement to the contrary, in the event of\nan Anticipatory Termination, no payment that the Company shall be required to make under this Agreement shall be\n26", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1889, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "d5b330f8-724b-4fc0-a02b-ed7889778590": {"__data__": {"id_": "d5b330f8-724b-4fc0-a02b-ed7889778590", "embedding": null, "metadata": {"page_label": "246", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "37f5ce2b-7e90-4aee-bd25-35caedcf36b9", "node_type": "4", "metadata": {"page_label": "246", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "5ec66246edf5f3fcfbd3926eb7829a79147e0cecfd240ee75b37a9d0582b493d", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "due except in the event of, and following, the date of such Change in Control, at the time specified under Section 7.B.\nJ. Code Section 409A. The Agreement is intended to comply with the requirements of Section 409A of the Code or an exception or\nexclusion therefrom and shall in all respects be administered in accordance with Section 409A of the Code. Severance payments\nshall be made under the \u201cshort term deferral\u201d exception under Section 409A of the Code, to the maximum extent possible, and\nthen under the \u201cseparation pay\u201d exception under Section 409A of the Code or another applicable exception. If required by Section\n409A of the Code, all payments to be made upon a termination of employment under this Agreement may only be made upon a\n\u201cseparation from service\u201d under Section 409A of the Code, each payment hereunder shall be treated as a separate payment, the\nright to a series of installment payments under this Agreement shall be treated as a right to a series of separate payments, and if\nthe Executive is considered a \u201cspecified employee\u201d for purposes of Section 409A of the Code, the payment of any amounts\nhereunder shall be delayed as required by Section 409A of the Code. Within the time period permitted by the applicable Treasury\nRegulations, the Company may, in consultation with the Executive, modify the Agreement, in the least restrictive manner\nnecessary and without any diminution in the value of the payments to the Executive, in order to cause the provisions of the\nAgreement to comply with the requirements of Section 409A of the Code, so as to avoid the imposition of taxes and penalties on\nthe Executive pursuant to Section 409A of the Code. With regard to any provision herein that provides for reimbursement of costs\nand expenses or in-kind benefits, except as permitted by Code Section 409A, (i) the right to reimbursement or in-kind benefits\nshall not be subject to liquidation or exchange for another benefit, (ii)\n27", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1954, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "f5f1ee07-f62b-4589-9a9e-31ec4cf5df63": {"__data__": {"id_": "f5f1ee07-f62b-4589-9a9e-31ec4cf5df63", "embedding": null, "metadata": {"page_label": "247", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "cc4f8aed-7c47-4ff3-bb22-5ef25b191116", "node_type": "4", "metadata": {"page_label": "247", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "1f359e659bef443d174954aee5543f0ae4deaae4c534bf9257da307d8a037c1b", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "the amount of expenses eligible for reimbursement, or in-kind benefits, provided during any taxable year shall not affect the\nexpenses eligible for reimbursement, or in-kind benefits to be provided, in any other taxable year, and (iii) such payments shall be\nmade on or before the last day of Executive\u2019s taxable year following the taxable year in which the expense occurred.\nK. Reduction of Payments for Annual Bonus Payments Already Made. Notwithstanding any provision of this Agreement to the\ncontrary, in the event the Effective Date and the Termination Date occur in the same fiscal year, any payment to the Executive\npursuant to Section 7.B. hereof shall be reduced (but not below zero) by any amounts paid or payable to the Executive pursuant\nto the Annual Bonus in the same year.\nL. Survivorship. Upon the expiration or other termination of this Agreement or the Executive\u2019s employment, the respective rights and\nobligations of the parties hereto shall survive to the extent necessary to carry out the intentions of the parties under this\nAgreement.\n    IN WITNESS WHEREOF, the Executive has hereunto set the Executive\u2019s hand and, pursuant to the authorization from the\nCompany\u2019s Board of Directors or its Compensation and Talent Committee, the Company has executed this Agreement, all as of the day\nand year first above written.\n                    [_____________]\nAssurant, Inc.\nBy: ____________________________________     Name: Keith Demmings     Title: President and Chief Executive Officer\n28", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1506, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "86c4d631-b91a-4575-b568-81c8c0ba2673": {"__data__": {"id_": "86c4d631-b91a-4575-b568-81c8c0ba2673", "embedding": null, "metadata": {"page_label": "248", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "1ad768d9-ffdf-4c6d-b74c-4eb211f84cc2", "node_type": "4", "metadata": {"page_label": "248", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "027d05e5bf352e6abdfecfe8f7d7b9ef646502e4dd186ff0940f1d6e357bed9c", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "APPENDIX AFORM OF GENERAL RELEASE\n        THIS RELEASE (this \u201cRelease\u201d) is granted effective as of the [__] day of [________], 20[__], by [______________] (the\u201cExecutive\u201d) in favor of Assurant, Inc. (the \u201cCompany\u201d). This is the release referred to in that certain Change In Control Agreement datedas of [______________] by and between the Company and the Executive (the \u201cCIC Agreement\u201d). The Executive gives this Release inconsideration of the Company\u2019s promises and covenants as recited in the CIC Agreement, with respect to which this Release is anintegral part.\n        Section 1.    Release of the Company. The Executive, on behalf of the Executive and the Executive\u2019s successors, assigns,attorneys and all those entitled to assert the Executive\u2019s rights, now and forever hereby releases and discharges the Company and itsrespective officers, directors, stockholders, trustees, employees, agents, parent corporations, subsidiaries, affiliates, estates,successors, assigns and attorneys (the \u201cReleased Parties\u201d), from any and all claims, actions, causes of action, sums of money due,suits, debts, liens, covenants, contracts, obligations, costs, expenses, damages, judgments, agreements, promises, demands, claimsfor attorney\u2019s fees and costs or liabilities whatsoever, in law or in equity, which the Executive ever had or now has against the ReleasedParties, including any claims arising by reason of or in any way connected with any employment relationship which existed between theCompany or any of its parents, subsidiaries, affiliates, or predecessors and the Executive. It is understood and agreed that this Releaseis intended to cover all actions, causes of action, claims or demands for any damage, loss or injury, which may be traced either directlyor indirectly to the aforesaid employment relationship, or the termination of that relationship, that the Executive has, had or purports tohave, from the beginning of time to the date of this Release, whether known or unknown, that now exists, no matter how remotely theymay be related to the aforesaid employment relationship including but not limited to claims for employment discrimination under federalor state law, except as provided in Paragraph 2; claims arising under Title VII of the Civil Rights Act, 42 U.S.C. \u00a7 2000(e), et seq. or theAmericans With Disabilities Act, 42 U.S.C. \u00a7 12101 et seq.; claims for statutory or common law wrongful discharge, including any claimsarising under the Fair Labor Standards Act, 29 U.S.C. \u00a7 201 et seq.; claims for attorney\u2019s fees, expenses and costs; claims fordefamation; claims for wages or paid time off; claims for benefits, including any claims arising under the Employee Retirement IncomeSecurity Act, 29 U.S.C. \u00a7 1001, et seq., as amended; and provided, however, that nothing herein shall release the Company of itsobligations to the Executive under the CIC Agreement or any other contractual obligations between the Company or its affiliates and theExecutive, or any indemnification obligations to Executive under the Company\u2019s bylaws, certificate of incorporation, applicable state lawor otherwise.\n        Section 2.    Release of Claims Under the Age Discrimination in Employment Act. Without limiting the generality of the foregoing,the Executive agrees that by executing this Release, the Executive has released and waived any and all claims the Executive has ormay have as of the date of this Release for age discrimination under the Age Discrimination in Employment Act, 29 U.S.C. \u00a7 621, et seq.It is understood that the Executive is advised to consult with an attorney prior to executing this Release; that the Executive in fact hasconsulted a knowledgeable, competent attorney regarding this Release; that the Executive may, before executing this Release, considerthis Release for a period of forty-five (45)\n29", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3836, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "34739fd8-feca-4392-946b-f4515a2f14d6": {"__data__": {"id_": "34739fd8-feca-4392-946b-f4515a2f14d6", "embedding": null, "metadata": {"page_label": "249", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "ef10f474-c32f-4fc1-b3fa-4d1059272359", "node_type": "4", "metadata": {"page_label": "249", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "0baa6fd5be9713e635917c8303a0e37dd9c0f1e0da98756354d49aeb79f11ac2", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "calendar days; and that the consideration the Executive receives for this Release is in addition to amounts to which the Executive wasalready entitled. It is further understood that this Release is not effective until seven (7) calendar days after the execution of this Releaseand that the Executive may revoke this Release within seven (7) calendar days from the date of execution hereof.\n        The Executive agrees that the Executive has carefully read this Release and is signing it voluntarily. The Executive acknowledgesthat the Executive has had forty-five (45) days from receipt of this Release to review it prior to signing or that, if the Executive is signingthis Release prior to the expiration of such 45-day period, the Executive is waiving the right to review the Release for such full 45-dayperiod prior to signing it. The Executive has the right to revoke this release within seven (7) days following the date of its execution.\n        Section 3.    Certain Exceptions. Notwithstanding any provision of the CIC Agreement to the contrary, this Release shall not affectand expressly excludes any claim relating to: (1) obligations under this Agreement; (2) obligations that, in each case, by their terms areto be performed after the date hereof (including, without limitation, obligations to the Executive under any equity compensation awardsor agreements or obligations under any pension plan or other benefit or deferred compensation plan, all of which shall remain in effect inaccordance with their terms); (3) obligations to indemnify the Executive respecting acts or omissions in connection with the Executive\u2019sservice as a director, officer or employee of the Company or any Affiliated Company (as defined in the CIC Agreement); (4) obligationswith respect to insurance coverage under any directors\u2019 and officers\u2019 liability insurance policies; (5) Executive\u2019s rights to obtaincontribution in the event of the entry of judgment against Executive as a result of any act or failure to act for which both the Executiveand the Company or any Affiliated Company (as defined in the CIC Agreement) are jointly responsible; (6) any rights that the Executivemay have as a stockholder of the Company; and (7) on facts or circumstances arising after the date hereof.\n        THE EXECUTIVE HAS CAREFULLY READ THIS RELEASE AND ACKNOWLEDGES THAT IT CONSTITUTES A GENERALRELEASE OF ALL KNOWN AND UNKNOWN CLAIMS AGAINST THE COMPANY UNDER THE AGE DISCRIMINATION INEMPLOYMENT ACT. THE EXECUTIVE ACKNOWLEDGES THAT THE EXECUTIVE HAS HAD A FULL OPPORTUNITY TO CONSULTWITH AN ATTORNEY OR OTHER ADVISOR OF THE EXECUTIVE\u2019S CHOOSING CONCERNING EXECUTION OF THIS RELEASEAND THAT THE EXECUTIVE IS SIGNING THIS RELEASE VOLUNTARILY AND WITH THE FULL INTENT OF RELEASING THECOMPANY FROM ALL SUCH CLAIMS.\n                    [Name]\n30", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2823, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "706c304c-1637-4472-ae52-e347ba0018e7": {"__data__": {"id_": "706c304c-1637-4472-ae52-e347ba0018e7", "embedding": null, "metadata": {"page_label": "250", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "affaa9aa-2b63-4e20-8c29-ca8b4de34f91", "node_type": "4", "metadata": {"page_label": "250", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "aeb8fc4f17f908a1be862a61dfb0b20c560faacc35ac1e26197834c18da53214", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "CA \nExhibit 10.25\nCHANGE IN CONTROL AGREEMENT\nThis Agreement, dated as of [______________], 2025 (the \"Effective Date\"), is between Assurant, Inc., a Delaware corporation (the\n\"Company\"), and [______________] (the \"Executive\") (the \u201cAgreement\u201d).\nRecital and Meaning of Capitalized Terms\nA. The Company wishes to promote continuity of management in the event of a Change in Control and to provide the Executive\nwith certain benefits in the event Executive\u2019s employment with the Company is terminated by the Company without Cause or by\nthe Executive with Good Reason following or in anticipation of such a Change in Control under the circumstances specified\nbelow.\nB. Wherever they may appear in this document, all capitalized terms have the meanings given in the definitions above or below (as\nthe case may be).\nNOW, THEREFORE, the Company and the Executive hereby agree as follows:\n1. TERM AND EFFECT OF AGREEMENT\nA. Term. This Agreement shall be effective as of the Effective Date and shall continue in effect until the earlier of the Expiration\nDate or the Termination Date. The initial Expiration Date shall be December 31, 2025 but, on that date and each December 31\nthereafter, the Expiration Date shall automatically be extended by one additional year unless, not later than the immediately\npreceding June 30, the Company has given written notice to the Executive that the Expiration Date shall not be so extended;\nprovided, however, that if a Change in Control shall have occurred prior to the original or extended Expiration Date, the\nExpiration Date shall automatically be extended to the second anniversary of the Change in Control.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1642, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "c1317122-af3b-4a1b-ba79-199bce7f0f09": {"__data__": {"id_": "c1317122-af3b-4a1b-ba79-199bce7f0f09", "embedding": null, "metadata": {"page_label": "251", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a91db2de-dc29-4a7c-a373-7769cc91b769", "node_type": "4", "metadata": {"page_label": "251", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "89bd64bf5795c65260ef9966ddf5cdc94ee6227b76ce00c1fa2e4a0e0fd52029", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "B. Effect of This Agreement. Prior to the Period of Employment hereunder, the employment of the Executive by the Company shall\nbe at will and may be terminated at any time for any reason in the sole and unlimited discretion of the Company or the\nExecutive.\n2. CERTAIN DEFINITIONS\nA. Change in Control.\nFor purposes of this Agreement, a Change in Control shall mean a change in control of the Company, which shall be deemed\nto have occurred upon:\ni. the consummation of an acquisition by any individual, entity or group (within the meaning of Section 13(d)(3) or 14(d)(2) of\nthe Securities Exchange Act of 1934, as amended (the \u201cExchange Act\u201d)) (a \u201cPerson\u201d) of beneficial ownership (within the\nmeaning of Rule 13d-3 promulgated under the Exchange Act) of shares of outstanding voting securities of the Company\nentitled to vote generally in the election of directors (the \"Outstanding Voting Securities\") that, when combined with any\nother securities owned beneficially by the acquirer, would result in such acquirer beneficially owning thirty percent or more\nof either (a) the then outstanding shares of common stock of the Company or (b) the combined voting power of the then\nOutstanding Voting Securities, excluding any Person that is the surviving or resulting entity in a transaction described in\nSection 2.A.(iii) below that does not also result in a Change in Control thereunder.\nii. the failure, at any time following the date hereof, of those individuals who as of the date hereof constitute the Board of\nDirectors of the Company (the \u201cIncumbent Board\u201d) and any new directors (\u201cSuccessor Directors\u201d) appointed to fill interim\nvacancies or nominated for election by the Company's stockholders in either case pursuant to a vote of at least a majority\nof the directors then in office who are either\n2", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1804, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "883d4b2e-7592-4421-aa02-04fa65c2a71b": {"__data__": {"id_": "883d4b2e-7592-4421-aa02-04fa65c2a71b", "embedding": null, "metadata": {"page_label": "252", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "2ad9cef4-0ff4-4ffc-afea-5ff683b54bd7", "node_type": "4", "metadata": {"page_label": "252", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b14874f59cd1efafb42cfa94e43efdb12ca612336fd2e8a29fa23a6b5f589192", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Incumbent Directors or Successor Directors, to constitute a majority of the Board of Directors of the Company, provided,\nhowever, that, for purposes of this subparagraph, any individual appointed or approved for nomination as a result of an\nactual or threatened contest with respect to the election or removal of directors or other actual or threatened solicitation of\nproxies or consents shall not be treated or counted as a Successor Director;\niii.    the consummation of a transaction approved by the stockholders of the Company that is a merger, consolidation,\nreorganization or similar corporate transaction, regardless of whether the Company is the surviving corporation in such\ntransaction, other than a merger, consolidation, or reorganization that results in the Outstanding Voting Securities\nimmediately prior thereto continuing to represent (either by remaining outstanding or by being converted into voting\nsecurities of the surviving entity constituting) more than fifty percent of the combined voting power of the voting securities\nof the Company (or such surviving entity) outstanding immediately after such merger, consolidation, reorganization or\ntransaction; or\niv.the consummation of a transaction or series of transactions approved by the stockholders of the Company that is (a) the\nsale or other disposition of all or substantially all of the assets (by way of reinsurance or otherwise) of the Company or (b) a\ncomplete liquidation or dissolution of the Company or the Company.\nB. Period of Employment. The Period of Employment shall mean the period of time commencing on the date of a Change in Control\nand ending on the earlier of the Expiration Date or the Termination Date (as defined below) or, if there has been a public\nannouncement of a proposed transaction that results in a Change in Control within 24 months following the initial such public\nannouncement, commencing on the date of the first such announcement\n3", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1943, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "53d4eb35-0122-44f4-ac5a-68c76f199925": {"__data__": {"id_": "53d4eb35-0122-44f4-ac5a-68c76f199925", "embedding": null, "metadata": {"page_label": "253", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "506ab06f-79e5-415b-98b8-1360d89fd1fc", "node_type": "4", "metadata": {"page_label": "253", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "6e825cfaa184d1c65ba73cf211a7696ba3951a76a82446f67f30d8614777ec25", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "in the event that the Executive\u2019s employment is thereafter terminated by the Company without Cause prior to such Change in\nControl (an \u201cAnticipatory Termination\u201d). For avoidance of doubt, the previous sentence does not confer upon the Executive the\nprerogative of terminating the Executive\u2019s employment voluntarily for Good Reason before a Change of Control has occurred\nand thereby being entitled to any benefits under this Agreement.\nC. Contract Term. The Contract Term shall mean the period commencing on the date of a Change in Control and ending on the\nExpiration Date or, in the case of an Anticipatory Termination, commencing on the date of the first public announcement referred\nto in the immediately preceding Section 2.B.\nD. Termination Date. The Termination Date shall mean the date as of which the Executive's employment with the Company shall\ncease as specified in Section 5 or 6, below.\nE. Target. When used in relation to any incentive award or bonus payment \u201cTarget\u201d means the target (whether stated as a\npercentage of base salary or as an amount in U.S. dollars) for the Executive approved by the Compensation and Talent\nCommittee of the Board of Directors of the Company (or the Board of Directors as a whole) in (a) the year immediately preceding\na Change in Control or (b) the year during the Period of Employment when such target is established, whichever is greater.\nEXECUTIVE'S RESPONSIBILITIES; LOCATION\nA. Position, Duties, Responsibilities. During the Period of Employment, the Executive shall serve in the position and have the duties\nand responsibilities as in effect immediately prior to the date of commencement of the Contract Term.\n4", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1665, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "43efebb5-fd89-4ded-a177-532bd187a5c5": {"__data__": {"id_": "43efebb5-fd89-4ded-a177-532bd187a5c5", "embedding": null, "metadata": {"page_label": "254", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "0aeff7a5-4bf8-4d1a-b0d7-cc72520d37e4", "node_type": "4", "metadata": {"page_label": "254", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e70f26518bd93ddd8d359e4aa10f77851045eeaec73e277e73ce7dc241363156", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "B. Best Efforts. During the Period of Employment, the Executive shall devote the Executive\u2019s full time, best efforts, and undivided\nattention during normal business hours to the business and affairs of the Company, except reasonable time for vacations, illness,\nor incapacity.\nC. Principal Business Office. During the Period of Employment, the Executive's principal business office shall be the office address\nas it existed immediately prior to the date of Commencement of the Contract Term (the \u201cPrincipal Business Office\u201d).\nCOMPENSATION, PERQUISITES AND EMPLOYEE BENEFITS\nA. Base Salary. During the Period of Employment, the Executive shall receive an annual base salary at a rate not less than the\nrate in effect immediately prior to the date of commencement of the Contract Term (\u201cBase Salary\u201d).\nB. Incentive Compensation. During the Period of Employment, the Executive shall continue to be a full participant in the\nCompany's short-term annual incentive compensation plan (\u201cAnnual Bonus\u201d) and the Company\u2019s long term incentive plan, as\nwell as any comparable successor plans (collectively, the \u201cIncentive Plans\u201d), as the Incentive Plans are in effect immediately\nprior to the date of commencement of the Contract Term and with such changes and improvements in the Incentive Plans or\nother incentive compensation plans as may from time to time be approved by the Compensation and Talent Committee of the\nCompany\u2019s Board of Directors with incentive opportunities no less favorable, in the aggregate, than the aggregate incentive\nopportunities provided to the Executive before the date of commencement of the Contract Term. The Executive shall also be\nentitled to participate in any other incentive compensation plans generally available to senior executives of the Company. If any\nof the Incentive Plans is terminated or discontinued, the Executive shall be entitled to participate in other incentive\ncompensation plans with terms at least as favorable to the Executive, in the aggregate, as were the Incentive Plans in effect\nbefore the termination or discontinuance of the Incentive Plans. Each such\n5", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2106, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "05c81704-b63a-4eab-a0b9-229a14fd87f8": {"__data__": {"id_": "05c81704-b63a-4eab-a0b9-229a14fd87f8", "embedding": null, "metadata": {"page_label": "255", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "5e01929b-23c4-4da2-83c5-858f5530cf55", "node_type": "4", "metadata": {"page_label": "255", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "bed70941d548b39478b13b7251f79fbd28fab8c5051ec1dd18a788591393887c", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Annual Bonus shall be paid no later than two-and-a-half months after the end of the fiscal year for which the Annual Bonus is\nawarded, unless the Executive shall elect to defer the receipt of such Annual Bonus pursuant to an arrangement that meets\nthe requirements of Section 409A of the Internal Revenue Code of 1986, as amended (the \u201cCode\u201d), excluding arrangements\nauthorized pursuant to Treasury Regulation \u00a7 1.409A-1(e).\nC. Employee Benefits. During the Period of Employment, the Executive shall be entitled to participate in all employee benefit\nplans and programs as in effect for senior executives of the Company immediately prior to the date of commencement of the\nContract Term, or employee benefit plans and programs that are substantially comparable thereto (the \u201cBenefit Plans\u201d) under\nthe terms of the Benefit Plans, with such changes and improvements in the Benefit Plans as may from time to time be made in\naccordance with the practices of the Company, provided, however, that, for purposes of this paragraph, no plan, arrangement\nor expectation with respect to severance or other benefit or payment that may be made upon termination of employment (other\nthan as provided in this document) shall be considered a Benefit Plan.\n5. DEATH OR DISABILITY\nA. Death. If the Executive should die during the Period of Employment, the Executive\u2019s employment shall be deemed to have\nterminated on the last day of the month in which death shall have occurred.\nB. Disability. \u201cDisability\u201d shall mean an illness or accident that has prevented the Executive from performing the Executive\u2019s duties\nunder this Agreement for a period of six consecutive months. In the event the Executive suffers a Disability during the Period of\nEmployment, the Executive\u2019s employment shall terminate on the last day of such six-month period.\n6", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1823, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "a9fd645b-f87f-4976-8f2b-da241ba4180f": {"__data__": {"id_": "a9fd645b-f87f-4976-8f2b-da241ba4180f", "embedding": null, "metadata": {"page_label": "256", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "f4accd50-9ed9-4c73-8315-1b42bc2af98c", "node_type": "4", "metadata": {"page_label": "256", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "37349c6183038a0b262cf378cb0e752832b580983eef46430361163a8e434f28", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "6. TERMINATION OF EMPLOYMENT BY THE COMPANY OR THE EXECUTIVE\nEither the Company or the Executive may, at any time, terminate the Executive\u2019s employment with the Company.\nA. Cause. The termination of the Executive's employment by the Company during the Contract Term shall be deemed to be for\n\u201cCause\u201d only if it is due to:\n(1) conviction of the Executive of a felony;\n(2) an act or acts of dishonesty by the Executive;\n(3) the Executive\u2019s material violation of a Company employment or other policy applicable to the Executive;\n(4) a willful, deliberate and intentional failure by the Executive during the Period of Employment (not including any failure by\nreason of incapacity due to illness or accident) to comply with the provisions of this Agreement relating to the time and best\nefforts to be devoted by the Executive to the affairs of the Company, if such failure demonstrably results in material injury to\nthe Company; or\n(5) the Executive\u2019s gross misconduct resulting in material risk (which may be legal or reputational risk) or injury (whether\nmaterial or immaterial) to the Company; provided notice of such termination is given in accordance with Section 6.C.,\nbelow.\nB. Good Reason. The termination of the Executive's employment by the Executive during the Contract Term shall be deemed to be\nfor \u201cGood Reason\u201d only if such termination shall be the result of the following events without the Executive\u2019s written consent:\n(1) a reduction during the Period of Employment in the level, as of the date of the Change in Control, of either (a) the\nExecutive's Base Salary or (b) the Executive's Target Incentive Plan opportunities or (c) if material, the Benefit Plan\ncoverages (other than a reduction in awards or benefits that is generally applicable to\n7", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1761, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "048965e9-4f62-41e7-a677-64a76dc39a16": {"__data__": {"id_": "048965e9-4f62-41e7-a677-64a76dc39a16", "embedding": null, "metadata": {"page_label": "257", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "e67d2bfa-20d1-4535-ba2e-96e3ad65bdf7", "node_type": "4", "metadata": {"page_label": "257", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "7bdeda796796e5543632698f296483275590fd52a59a822af625701b26ff05f5", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "participants in a plan in accordance with the terms of the plan in effect immediately prior to the date of the Change in\nControl);\n(2) a material diminution during the Period of Employment in the Executive's position, powers, authority, duties or\nresponsibilities, or the business to which those powers, authority, duties or responsibilities apply;\n(3) removal during the Period of Employment of the Executive from the office the Executive held immediately prior to the\nChange in Control or material change during the Period of Employment in the Executive's chain of supervision as it\nexisted immediately prior to the Change in Control;\n(4) any requirement that the Executive work at a principal place of business other than the Principal Business Office, if it is\nmore than 30 miles from the Executive's residence at the time of the Change in Control;\n(5) a material breach of this Agreement by the Company, provided notice of the Executive's election to terminate the\nExecutive\u2019s employment for Good Reason under this Agreement is given in accordance with Section 6.C., below.\nThe Executive\u2019s failure to elect to terminate the Executive\u2019s employment with respect to one event giving rise to Good Reason\ndoes not preclude the Executive from making the election with respect to a subsequent event.\nC. Termination Procedure    (1)Notice\n(a)Notice of termination of employment under this Agreement shall be provided in writing by the Company or the Executive,\nas applicable, and shall specify the date of termination of employment, which date shall in no event be earlier than 60\ndays from the date of such notice.\n8", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1614, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "906e62b2-e6fa-4564-91b4-12da8d9a47d9": {"__data__": {"id_": "906e62b2-e6fa-4564-91b4-12da8d9a47d9", "embedding": null, "metadata": {"page_label": "258", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "99ddba13-df9a-43ac-b5ce-d865d666226e", "node_type": "4", "metadata": {"page_label": "258", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "135c9d8a0ee694e47b10ff3611f89e28684f0125a75f09069e9bcd001558e30b", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "(b)In the event the Company elects to terminate the Executive's employment, in the notice required by the immediately\npreceding subparagraph, the Company shall state whether the termination is for Cause. If so, such notice shall state that\nthe Executive has engaged in conduct set forth in Section 6.A., above, with the particulars thereof specified in detail.\n(c)In the event the Executive elects to terminate employment, in the notice required by this Section 6.C., the Executive shall\nstate whether the voluntary termination of employment is for Good Reason. If so, such notice shall state the reason or\nreasons for such termination, as set forth in Section 6.B., with the particulars thereof specified in detail, and shall be given\nwithin thirty (30) days after the most recent event giving rise to Good Reason.\n(2)Cure\n(a)In the case of the Executive's alleged breach as set forth in Section 6.A.(4), the Executive shall be given the opportunity to\nremedy such alleged breach within 30 days from the Executive\u2019s receipt of the notice referred to above.\n(b)In the case of the Executive's allegation of Good Reason as set forth in Section 6.B., none of the events described in\nSection 6.B. shall constitute Good Reason unless and until (i) the Company fails to cure such condition within thirty (30)\ndays after the Company\u2019s receipt of the Executive\u2019s written notice as set forth in Section 6.C.(1)(c) and (ii) the Executive\nterminates the Executive\u2019s employment within thirty (30) days after the end of such thirty (30) day cure period.\n7. CONSEQUENCES OF TERMINATION, DEATH OR DISABILITY\nA. Accrued Obligations. In the event of termination of the Executive\u2019s employment for any reason during the Period of\nEmployment, the Company shall be obligated to pay or provide\n9", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1773, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "c00eb565-d501-4680-acbf-358b236e5a90": {"__data__": {"id_": "c00eb565-d501-4680-acbf-358b236e5a90", "embedding": null, "metadata": {"page_label": "259", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a20bd657-638b-4502-b034-86749bae33ed", "node_type": "4", "metadata": {"page_label": "259", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "21777e7f342de27c8aee013d1ad3e8e4c86a3b9868ad2e7e48c772034af573f7", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "to the Executive (or the Executive\u2019s estate, as applicable) within fourteen (14) days following the Termination Date or at such\nother time prescribed by any applicable benefit plan or applicable law: (1) the Executive\u2019s annual Base Salary through the\nTermination Date to the extent not theretofore paid, (2) the Executive\u2019s business expenses that are reimbursable but have not\nbeen reimbursed by the Company as of the Termination Date, consistent with the Company\u2019s expense reimbursement policy;\n(3) the Executive\u2019s Annual Bonus for the fiscal year immediately preceding the fiscal year in which the Termination Date occurs,\nif such bonus has been determined by the Compensation and Talent Committee of the Company\u2019s Board of Directors but not\npaid as of the Termination Date or, if no such determination has been made as of the Termination Date, the Target Annual\nBonus for such immediately preceding fiscal year; (4) any vested benefits and any other benefits that the Executive is entitled to\nreceive under any plan, policy, practice or program of, or any other contract or agreement with, the Company (which benefits\nshall be paid in accordance with the terms of such plan, policy, practice, program, contract or agreement), and (5) any accrued\npaid time off to the extent not theretofore paid (the sum of the amounts described in this subsection A being referred to herein\nas the \u201cAccrued Obligations\u201d).\nB. Termination by the Company Other Than for Cause or by the Executive for Good Reason. In the event that, upon or within two\nyears from the date of a Change in Control, the Executive\u2019s employment is terminated by the Company other than for Cause or\nis terminated by the Executive for Good Reason, or in the event of an Anticipatory Termination, the Company shall pay to the\nExecutive the following amounts and provide the following benefits (in addition to the Accrued Obligations) if the Executive has\nexecuted and has not revoked, within fifty-two (52) days after the Termination Date (or, in\n10", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2007, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "35685386-b802-478a-9113-afd6d5c338c7": {"__data__": {"id_": "35685386-b802-478a-9113-afd6d5c338c7", "embedding": null, "metadata": {"page_label": "260", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "eb4eb2bc-1957-4fb8-81e5-c4b5f1cdcbee", "node_type": "4", "metadata": {"page_label": "260", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "2cb298212f6e1aae1e3c56d7abdd6ac815d0b41efd062025b9793d48f45ba716", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "the case of an Anticipatory Termination, the date of the Change in Control), a general release in the form attached hereto as\nAppendix A:\n(1) a lump sum in cash within sixty (60) days after the Termination Date (or, in the case of an Anticipatory Termination, the date of\nthe Change in Control) equal to the sum of (a) an amount equal to the product of (x) the Target Annual Bonus and (y) 0.5 (the\n\u201cPro Rata Bonus\u201d); (b) two times the sum of (x) the Executive\u2019s annual Base Salary and (y) the Target Annual Bonus; and (c)\nan amount equal to, and at the same after tax cost to the Executive, as eighteen (18) months of Company contributions\ntowards the Executive\u2019s health care and life insurance benefits as in effect immediately prior to the Executive\u2019s Termination\nDate.\n(2)outplacement services, for a limited period not longer than twelve months following the Executive\u2019s Termination Date, the\nscope and provider of which shall be selected by the Company in the Company\u2019s reasonable discretion but which, in any\nevent, shall be of a scope suitable for a senior executive officer of a public company.\nC. Death. If the Executive\u2019s employment is terminated by reason of the Executive\u2019s death during the Period of Employment, the\nCompany shall pay to the Executive\u2019s estate the Accrued Obligations and the Pro Rata Bonus and shall have no other\nseverance obligations under this Agreement. The Accrued Obligations and the Pro Rata Bonus shall be paid to the Executive\u2019s\nestate in a lump sum in cash within thirty (30) days of the Termination Date or such other date as is allowable under applicable\nlaw.\nD. Disability. If the Executive\u2019s employment is terminated by reason of the Executive\u2019s Disability during the Period of Employment,\nthe Company shall pay to the Executive the Accrued Obligations and Pro Rata Bonus and shall have no other severance\nobligations under this Agreement. The Accrued Obligations and the Pro Rata Bonus shall be paid to the Executive in a lump\nsum in cash within sixty (60) days of the date on which the revocation\n11", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2045, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "87f9e52e-1615-423f-9d2b-65ae7ff1bbaf": {"__data__": {"id_": "87f9e52e-1615-423f-9d2b-65ae7ff1bbaf", "embedding": null, "metadata": {"page_label": "261", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "4ff08b7e-3086-465d-bc0b-e3316f6684e1", "node_type": "4", "metadata": {"page_label": "261", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "3c3b2f98b5ea59dde794d6f026c209d0b4c346803eccf8bbbda25bc9f100c123", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "period runs on the Executive\u2019s execution of the general release. The Pro Rata Bonus will be paid only if the Executive has\nexecuted and has not revoked, within fifty-two days after the Termination Date, a general release in the form attached hereto as\nAppendix A.\nE. Cause; Other Than for Good Reason. If the Executive\u2019s employment is terminated for Cause during the Period of Employment,\nthe Company shall pay to the Executive the Accrued Obligations and shall have no severance obligations under this Agreement,\nincluding that the Executive shall have no right to payment of a Pro Rata Bonus. If the Executive voluntarily terminates\nemployment during the Period of Employment other than for Good Reason, the Company shall pay to the Executive the\nAccrued Obligations and a Pro Rata Bonus and shall have no other severance obligations under this Agreement. In such case,\nall the Accrued Obligations and the Pro Rata Bonus shall be paid to the Executive in a lump sum in cash within sixty (60) days\nof the date on which the revocation period runs on the Executive\u2019s execution of the general release. The Pro Rata Bonus will be\npaid only if the Executive has executed and has not revoked, within fifty-two days after the Termination Date, a general release\nin the form attached hereto as Appendix A.\nF. Consideration for Restrictive Covenants. The Company and the Executive hereby stipulate that such portion of the amounts\npayable pursuant to Section 7.B. of this Agreement as may be determined to be reasonable by a nationally recognized\naccounting firm (the \u201cAccounting Firm\u201d) is in consideration, in part, for Executive\u2019s agreeing and adhering to the Restrictive\nCovenants set forth in Section 11.A. The Executive agrees to report such payments on all applicable tax returns in a manner\nconsistent with the preceding sentence.\n8. NON-EXCLUSIVITY OF RIGHTS\nNothing in this Agreement shall prevent or limit the Executive\u2019s continuing or future participation in any plan, program, policy or\npractice provided by the Company and for which\n12", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2040, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "f2c83b66-313d-437a-a0f2-50c6113c548c": {"__data__": {"id_": "f2c83b66-313d-437a-a0f2-50c6113c548c", "embedding": null, "metadata": {"page_label": "262", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "c27e9676-7305-45aa-aa53-d34c2a7fc82b", "node_type": "4", "metadata": {"page_label": "262", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "1e8e4ca869ba90db01c0522fd8bc7f8ed1f55d383e738175ae11af58db6c5758", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "the Executive may qualify. Without limiting the generality of the foregoing, the Executive\u2019s resignation under this Agreement with\nor without Good Reason shall in no way affect the Executive\u2019s ability to terminate employment by reason of the Executive\u2019s\n\u201cretirement\u201d under, or to be eligible to receive benefits under, any compensation and benefits plans, programs or arrangements of\nthe Company, including without limitation any retirement or pension plans or arrangements or substitute plans adopted by the\nCompany or any of its respective successors, and any termination which otherwise qualifies as Good Reason shall be treated as\nsuch even if it is also a \u201cretirement\u201d for purposes of any such plan. Notwithstanding the foregoing, if the Executive receives\npayments and benefits pursuant to Section 7.B. of this Agreement, the Executive shall not be entitled to any severance pay or\nbenefits under any severance plan, program or policy of the Company.\n9. RECOUPMENT; NO MITIGATION REQUIREMENT; LEGAL FEES\nA. Recoupment. The Company\u2019s obligation to make the payments provided for in this Agreement and Executive\u2019s receipt of the\npayments provided for in this Agreement are subject to compliance with Section 10D of the Securities Exchange Act of 1934, as\namended, and any regulations promulgated thereunder, including Rule 10D-1 and Section 303A.14 of the New York Stock\nExchange Listed Company Manual and the Assurant, Inc. Compensation Clawback Policy, as may be amended from time to\ntime.\nB. With the exception of the foregoing, the Company\u2019s obligation to make the payments provided for in this Agreement and\notherwise to perform its obligations hereunder shall not be affected by any set-off, counterclaim, recoupment, defense, or other\nclaim, right or action that the Company may have against the Executive or others. In no event shall the Executive be obligated\nto seek other employment or take any other action by way of mitigation of the amounts payable to the Executive under any of\nthe provisions of this Agreement. Except as specifically provided in Section 7, such amounts shall not be\n13", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2105, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "8096e935-b7d0-4f3c-9b42-9755a0587fb5": {"__data__": {"id_": "8096e935-b7d0-4f3c-9b42-9755a0587fb5", "embedding": null, "metadata": {"page_label": "263", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "b5fdc664-cdc0-445c-b014-825cb4958292", "node_type": "4", "metadata": {"page_label": "263", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "292c637049177f13145af9753a5ccd3cea8e1389833f3b4f5e1aeb05390e9668", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "reduced whether or not the Executive obtains other employment. The Company agrees to pay as incurred (within 30 days\nfollowing the Company\u2019s receipt of an invoice from the Executive), at any time from the Effective Date of this Agreement through\nthe Executive\u2019s remaining lifetime (or, if longer, through the 20 anniversary of the Effective Date) to the full extent permitted by\nlaw, all reasonable legal fees and related expenses that the Executive may reasonably incur as a result of any contest\n(regardless of the outcome thereof) by the Company, the Executive or others of the validity or enforceability of, or liability under,\nany provision of this Agreement or any guarantee of performance thereof (including as a result of any contest by the Executive\nabout the amount of any payment pursuant to this Agreement), plus, in each case, interest on any delayed payment at the\napplicable federal rate provided for in Section 7872(f)(2)(A) of the Code (\u201cInterest\u201d) determined as of the date such legal fees\nand expenses were incurred. In no event shall the payments by the Company under this Section 9 be made later than the end\nof the calendar year next following the calendar year in which such fees and expenses were incurred, provided, that the\nExecutive shall have submitted an invoice for such fees and expenses at least 30 days before the end of the calendar year next\nfollowing the calendar year in which such fees and expenses were incurred. The amount of such legal fees and expenses that\nthe Company is obligated to pay in any given calendar year shall not affect the legal fees and expenses that the Company is\nobligated to pay in any other calendar year, and the Executive\u2019s right to have the Company pay such legal fees and expenses\nmay not be liquidated or exchanged for any other benefit.\nth\n14", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1811, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "93871cd4-9285-40e3-ab70-767d0069d834": {"__data__": {"id_": "93871cd4-9285-40e3-ab70-767d0069d834", "embedding": null, "metadata": {"page_label": "264", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "889cce1c-a30c-4655-98b2-8a9fa577ed1c", "node_type": "4", "metadata": {"page_label": "264", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "aef54204bbc8277ed04ecb03cc1cf0b180d840028edf559e32ec9d1709b5189d", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "10.TREATMENT OF CERTAIN PARACHUTE PAYMENTS\nA.    Anything in this Agreement to the contrary notwithstanding, in the event it shall be determined that (i) any Payment (or any\nacceleration of any Payment) to or for the benefit of the Executive would be subject to the Excise Tax, and (ii) the reduction of\nthe amounts payable to the Executive under this Agreement to the Safe Harbor Amount would provide the Executive with a\ngreater after-tax amount than if such amounts were not reduced, then the amounts payable to the Executive under this\nAgreement shall be reduced (but not below zero) by an amount sufficient to reduce the Parachute Value of the Payments to the\nSafe Harbor Amount. The reduction of the Parachute Value of the Payments, if applicable, shall be made by reducing the\npayments and benefits under the following sections of this Agreement in the following order: (i) Section 7.B.(1)(b), hereof, (ii)\nSection 7.B.(1)(a) hereof and (iii) Section 7.B.(1)(c) hereof unless an alternative method of reduction was elected by the\nExecutive prior to the date set forth in the first paragraph of this Agreement. If the reductions described in the preceding\nsentence are not sufficient to reduce the Parachute Value of the Payments to the Safe Harbor Amount, further reduction of the\nParachute Value of the Payments shall be made in the manner which has the least economic cost to the Executive.\nB.    All determinations required to be made under this Section 10, including the Safe Harbor Amount, whether and when an Excise\nTax is due, the amount of Excise Tax and the assumptions to be used in arriving at such determinations, shall be made by the\nAccounting Firm on the basis of such reasonable assumptions as may be determined by the Accounting Firm or as may be\nagreed to by the Company and the Executive and as are reasonably acceptable to the Accounting Firm. The Accounting Firm\nshall be requested to provide detailed supporting calculations both to the Company and the Executive within 15 business days\nof the receipt of notice from the Executive that there has been a Payment or such\n15", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2100, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "ee3605bc-3137-4cf0-b8da-c911803fc231": {"__data__": {"id_": "ee3605bc-3137-4cf0-b8da-c911803fc231", "embedding": null, "metadata": {"page_label": "265", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "73f7d415-06a4-4af4-94f7-b0ce902869a6", "node_type": "4", "metadata": {"page_label": "265", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "7514148ef120cb1a8ed338ab7751af6e610e3d8e10def59d3d060fed4416e619", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "earlier time as is requested by the Company. In the event the Accounting Firm is serving as accountant or auditor for the\nindividual, entity or group effecting the Change in Control or is otherwise unable to perform the assignment contemplated by this\nsubparagraph, the Executive may appoint another nationally recognized accounting firm to make the determinations required\nhereunder (which accounting firm shall then be referred to as the Accounting Firm hereunder). All fees and expenses of the\nAccounting Firm shall be borne solely by the Company. Any determination by the Accounting Firm shall be binding upon the\nCompany and the Executive. If the Accounting Firm determines that no Excise Tax is payable by Executive, it shall furnish\nExecutive with a written opinion to such effect, and to the effect that failure to report the Excise Tax, if any, on Executive\u2019s\napplicable federal income tax return will not result in the imposition of a negligence or similar penalty. In the event the\nAccounting Firm determines that the Parachute Value of the Payments shall be reduced to the Safe Harbor Amount, it shall\nfurnish Executive with a written opinion to such effect. The determination by the Accounting Firm shall be binding upon the\nCompany and Executive (except as provided in paragraph (C) below).\nC.    If it is established pursuant to a final determination of a court or the Internal Revenue Service (the \u201cIRS\u201d) proceeding, which\nhas been finally and conclusively resolved, that Payments have been made to, or provided for the benefit of, Executive by the\nCompany, which are in excess of the limitations provided in this Section 10 (hereinafter referred to as an \u201cExcess Payment\u201d),\nsuch Excess Payment shall be deemed for all purposes to be a loan to Executive made on the date Executive received the\nExcess Payment and Executive shall repay the Excess Payment to the Company on demand, together with interest on the\nExcess Payment at the applicable federal rate (as defined in Section 1274(d) of the Code) from the date of Executive\u2019s receipt\nof such Excess Payment until the date of such repayment. As a result of the uncertainty in the application of Section 4999 of the\nCode at the time of\n16", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2205, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "ec0d4d1e-a4a7-443c-807e-e18193fe1987": {"__data__": {"id_": "ec0d4d1e-a4a7-443c-807e-e18193fe1987", "embedding": null, "metadata": {"page_label": "266", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "56973c98-c8fe-4c43-aba9-e3caaaa7f274", "node_type": "4", "metadata": {"page_label": "266", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "fd9b1d3ad9e244a3eb89d012ee6ad6c0897f3e92b2ee0d9b5878bb8c0b20df53", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "the determination, it is possible that Payments which will not have been made by the Company should have been made (an\n\u201cUnderpayment\u201d), consistent with the calculations required to be made under this Section 10. In the event that it is determined\n(i) by the Accounting Firm, the Company (which shall include the position taken by the Company, or together with its\nconsolidated group, on its federal income tax return) or the IRS or (ii) pursuant to a determination by a court, that an\nUnderpayment has occurred, the Company shall pay an amount equal to such Underpayment to Executive within 10 days of\nsuch determination together with interest on such amount at the applicable federal rate from the date such amount would have\nbeen paid to Executive until the date of payment. Executive shall cooperate, to the extent the Executive\u2019s expenses are\nreimbursed by the Company, with any reasonable requests by the Company in connection with any contests or disputes with\nthe IRS in connection with the Excise Tax or the determination of the Excess Payment.\nD.    Definitions. The following terms shall have the following meanings for purposes of this Section 10.\n17", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1161, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "72135e1a-1dfb-4b98-a50f-673fe9807268": {"__data__": {"id_": "72135e1a-1dfb-4b98-a50f-673fe9807268", "embedding": null, "metadata": {"page_label": "267", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "2485fdba-028d-4c39-947e-15f274033b44", "node_type": "4", "metadata": {"page_label": "267", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ecdf715e0aaa9ae6f6aa13302c160b5efeaa7ebbf75a42637e37e826bd4cee4e", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "(i)    \u201cExcise Tax\u201d shall mean the excise tax imposed by Section 4999 of the Code, together with any interest or penalties\nimposed with respect to such excise tax.\n    (ii)    \u201cParachute Value\u201d of a Payment shall mean the present value as of the date of the change of control for purposes of\nSection 280G of the Code of the portion of such Payment that constitutes a \u201cparachute payment\u201d under Section 280G(b)(2), as\ndetermined by the Accounting Firm for purposes of determining whether and to what extent the Excise Tax will apply to such\nPayment.\n    (iii)    A \u201cPayment\u201d shall mean any payment or distribution in the nature of compensation (within the meaning of Section\n280G(b)(2) of the Code) to or for the benefit of the Executive, whether paid or payable pursuant to this Agreement or otherwise.\n    (iv)    The \u201cSafe Harbor Amount\u201d means 2.99 times the Executive\u2019s \u201cbase amount,\u201d within the meaning of Section 280G(b)(3)\nof the Code.\n11. NONSOLICITATION, NONDISPARAGEMENT\nA. Restrictions on Solicitation. During the Period of Employment and the 12-month period immediately following the Termination\nDate, the Executive shall not, directly or indirectly, (1) solicit any employee of the Company or any affiliated company to leave\nthe employ of the Company or (2) use Company trade secrets to solicit, induce or attempt to induce any customer, client,\naccount, vendor or other person having a business relationship with the Company to cease doing some or all business with the\nCompany (without regard to who initiated the first communication).\nB. Nondisparagement. During the Period of Employment and during the 24-month period immediately following the Termination\nDate, the Executive shall not, and shall cause Executive\u2019s representatives and agents not to disparage the Company, its\naffiliated companies or any of their employees or directors, except as set forth in Subsection D below. As used herein, to\n\"disparage\" shall mean to make comments or statements that\n18", "mimetype": "text/plain", "start_char_idx": 4, "end_char_idx": 1979, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "1e666068-0558-4bf5-a186-7dda409160e8": {"__data__": {"id_": "1e666068-0558-4bf5-a186-7dda409160e8", "embedding": null, "metadata": {"page_label": "268", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "764e0181-74ec-4eaf-a0db-00933dad3fae", "node_type": "4", "metadata": {"page_label": "268", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "c9f9b7066702dbfa8464ebddbf70c534e074ca5bb6004bfd03aae9743c92099f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "are maliciously untrue. Nothing in this Agreement prevents Executive from discussing or disclosing information about\nunlawful acts in the workplace, such as harassment or discrimination or any other conduct that Executive has reason to\nbelieve is unlawful.\nC. Confidentiality. The Executive shall hold in a fiduciary capacity for the benefit of the Company all Confidential Information,\nKnowledge or Data relating to the Company and any of its affiliates. For purposes of this section, \u201cConfidential Information,\nKnowledge or Data\u201d means non-public information, knowledge or data that the Executive obtains during the Executive\u2019s\nemployment by the Company or under a confidentiality agreement with or for the benefit of the Company. After termination of\nthe Executive\u2019s employment with the Company, the Executive shall not, without the prior written consent of the Company or\nas may be required by law or legal process or as set forth in Subsection D below, communicate or divulge any such\nConfidential Information, Knowledge or Data to anyone other than the Company.\nD. Executive Protection. Nothing in this Agreement or otherwise limits Executive\u2019s ability to communicate directly with and\nprovide information, including documents, not otherwise protected from disclosure by any applicable law or privilege to the\nSecurities and Exchange Commission (\u201cSEC\u201d) or any other federal, state or local governmental agency or commission\n(\u201cGovernment Agencies\u201d) regarding possible legal violations, without disclosure to the Company. The Company may not\nretaliate against Executive for any of these activities, and nothing in this Agreement or otherwise requires Executive to waive\nany monetary award or other payment that Executive might become entitled to from the SEC or any other Government\nAgency. Nothing in this Agreement or otherwise requires Executive to disclose any communications Executive may have had\nor information Executive may have provided to the SEC or any other Government Agencies regarding\n19", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2006, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "ba224e7a-bf0b-4774-8bce-2f0d913bc728": {"__data__": {"id_": "ba224e7a-bf0b-4774-8bce-2f0d913bc728", "embedding": null, "metadata": {"page_label": "269", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "8876a941-9d3d-48a1-8fac-cc534c0e351e", "node_type": "4", "metadata": {"page_label": "269", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b0e693edca036d8202d50e875526e15ee63297754ab8ac591287aed826cee302", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "possible legal violations. Notwithstanding anything to the contrary in this Agreement or otherwise, as provided for in the\nDefend Trade Secrets Act of 2016 (18 U.S.C. \u00a7 1833(b)), Executive will not be held criminally or civilly liable under any\nfederal or state trade secret law for the disclosure of a trade secret that (i) is made (A) in confidence to a federal, state, or\nlocal government official, either directly or indirectly, or to an attorney, and (B) solely for the purpose of reporting or\ninvestigating a suspected violation of law; or (ii) is made in a complaint or other document filed in a lawsuit or other\nproceeding, if such filing is made under seal. Without limiting the foregoing, if Executive files a lawsuit for retaliation by\nCompany for reporting a suspected violation of law, Executive may disclose the trade secret to the Executive\u2019s attorney and\nuse the trade secret information in the court proceeding, if Executive (x) files any document containing the trade secret under\nseal, and (y) does not disclose the trade secret, except pursuant to court order. Nothing in this Agreement or otherwise is\nintended to limit, nor does it limit, any applicable rights that Executive may have under Section 7 of the National Labor\nRelations Act.\nE. Specific Performance and Injunctive Relief. The Executive agrees that, if the Executive violates this Section 11, the Company\nwill suffer irreparable injury for which damages at law will be difficult to establish with precision and would be an inadequate\nremedy. Accordingly, the Executive agrees that the Company shall have the rights and remedies of specific performance and\ninjunctive relief, in addition to any other rights or remedies that may be available to it at law or in equity, in respect of any\nfailure, or threatened failure, on the part of the Executive to comply with the provisions of this Section 11 and that such rights\nand remedies may include, but shall not be limited to, a temporary restraining order and a preliminary and permanent\ninjunction to restrain any violation or\n20", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2060, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "ae8048f2-7afa-448b-a571-28847d4d22b3": {"__data__": {"id_": "ae8048f2-7afa-448b-a571-28847d4d22b3", "embedding": null, "metadata": {"page_label": "270", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "5ad45828-22ea-43ea-b942-f182d96e7d52", "node_type": "4", "metadata": {"page_label": "270", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "57e93ec69c6dd3cb73b796e7a645bf16c4486d7d0fbd14fe76c2bf7324ee38d6", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "threatened violation of this Agreement by the Executive, as well as a permanent injunction, a writ of specific performance and\na right of offset for any amount otherwise owed to the Executive by the Company. For avoidance of doubt, this Section 11.D.\nshall not preclude or limit any right of the Company\u2019s that it may otherwise have to damages at law, in addition to equitable\nrelief.\n12. [Intentionally omitted]\n13.MISCELLANEOUS PROVISIONS\nA.  Successors and Assigns.\n(1) This Agreement is personal to the Executive. Without the prior written consent of the Company, the Executive may not\nassign this Agreement of any rights or benefits hereunder other than by will or the laws of descent and distribution.\nNotwithstanding the foregoing, in the event of the Executive\u2019s death or disability, this Agreement shall inure to the benefit\nof and be enforceable by the Executive\u2019s executor or other legal representative.\n(2) This Agreement shall inure to the benefit of and be binding upon the Company and its successors and assigns. Except\nas expressly provided herein (including in the immediately following subparagraph (3)), without the prior written consent\nof the Executive the Company may not assign this Agreement or its duties and obligations thereunder.\n(3) The Company will require any successor (whether direct or indirect, by purchase, merger, consolidation or otherwise) (a\n\u201cSuccessor\u201d) to all or substantially all of the business and/or assets of the Company expressly to assume and agree to\nperform this Agreement in the same manner and to the same extent that the Company would be required to perform it if\nno such succession had taken place. To any Successor\n21", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1673, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "dd22200c-c371-49b3-8409-bd9219e5af41": {"__data__": {"id_": "dd22200c-c371-49b3-8409-bd9219e5af41", "embedding": null, "metadata": {"page_label": "271", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "fcf2fc00-d702-4453-8d0e-283e6dd60a7a", "node_type": "4", "metadata": {"page_label": "271", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "69d6cc4421c39c371a3c9eb78299d29efc136e9a6d481eb29e093e50dff304c4", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "who so expressly assumes and agrees to perform this Agreement, the Company may assign or otherwise convey this\nAgreement in its entirety, including all rights against the Executive and all obligation and duties of the Executive\nhereunder.\nB. Choice of Law; Jurisdiction and Venue for An Action Seeking Equitable Relief. This Agreement shall be governed by and\nconstrued in accordance with the laws of the State of California, without reference to principles of conflict of laws. An action for\ninjunctive or other equitable relief hereunder may be brought in the federal or state courts located in Atlanta, Georgia, or in any\nother court or courts having subpoena power over, and whose order area enforceable in, the geographic area where any\nactivities in violation of Section 11 are or may be threatened or are or may be taking place. The parties hereby agree that any\nsuch court, to the extent it has subject matter jurisdiction, is an appropriate venue for any such action hereunder. The parties\nagree to submit to the venue and personal jurisdiction of any such court and not to argue forum non conveniens or otherwise\nto contest the appropriateness of laying venue to any such action in any such court.\nC. Modifications, Waiver. This Agreement may not be amended or modified other than by a written agreement executed by the\nparties hereto or their respective successors and legal representatives, provided, however, that, as used in this paragraph, an\namendment or modification may be \u201cexecuted\u201d by any otherwise lawful means, including, where lawful and appropriate,\nproperly authorized electronic signature, facsimile or offer and acceptance by email or other electronic means. No forbearance\nor failure to enforce any obligation under this Agreement shall be construed as, or argued to be, a waiver or estoppel of any\nright a party to this Agreement may otherwise have to enforce the same or a similar obligation at any other time,\nnotwithstanding the passage of time or any other obligation under this Agreement.\n22", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2025, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "bfe5e329-687c-4df1-87de-8d228c8e3fdb": {"__data__": {"id_": "bfe5e329-687c-4df1-87de-8d228c8e3fdb", "embedding": null, "metadata": {"page_label": "272", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "9d936719-e033-492d-b066-d2f7e5bd9e4e", "node_type": "4", "metadata": {"page_label": "272", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "df0c498d921ce5d46a6abca667179975add0b510116e3486cb7776539da88b2a", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "D. Notices. All notices and other communications hereunder shall be in writing and shall be given by hand delivery to the other\nparty, by overnight courier, or registered or certified mail, return receipt requested, postage prepaid, addressed as follows:\nIf to the Executive:\n    At the most recent address on file at the Company.\nIf to the Company:\n    Assurant, Inc.    260 Interstate N Cir SE    Atlanta, Georgia 30339Attention: Chief Legal Officer\nor to such other address as either party shall have furnished to the other in writing in accordance herewith. Notice and\ncommunications shall be effective when actually received by the addressee.\nE. Enforceability and Severability. The invalidity or enforceability of any provision of this Agreement shall not affect the validity or\nenforceability of any other provision of this Agreement. The parties intend that this Agreement shall be enforced in accordance\nwith its terms to the full extent permitted by law. In this event that any court of competent jurisdiction should find that any provision\nof this Agreement \u2013 including but not limited to the provisions of Section 11 hereof \u2013 is unenforceable to its full extent, the parties\nintend that such provisions shall be enforced to the full extent permissible under the law (including but not limited to with respect\nto its geographic and temporal scope).\nF. Withholding. The Company may withhold from any amounts payable under this Agreement such United States federal, state, or\nlocal or foreign taxes as shall be required.\nG. Employment at Will. The Executive and the Company acknowledge that, except as otherwise provided herein or under any other\nwritten agreement between the Executive and the Company, the employment of the Executive by the Company is at will. Prior to\nthe\n23", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1787, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "c0f1c407-1bec-4a6a-8238-d4de28e672a7": {"__data__": {"id_": "c0f1c407-1bec-4a6a-8238-d4de28e672a7", "embedding": null, "metadata": {"page_label": "273", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "704e97ed-2e47-40ce-90eb-fc32c34ca7c3", "node_type": "4", "metadata": {"page_label": "273", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ffc8ed37cff22037cab7a6c273180a9924d8e2514eec836c8ab475c1b869438c", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Effective Date, the Executive\u2019s employment may be terminated by either the Executive or the Company, in which case the\nExecutive shall have no further rights under this Agreement.\nH. Complete Agreement. This Agreement embodies the complete understanding of the parties with respect to the Change in Control\nsubject matter hereof. There are no prior or contemporaneous agreements (oral or written, express or implied) between the\nparties with respect to such subject matter. From and after the Effective Date, except as specifically provided herein, this\nAgreement shall supersede any other agreement or alleged agreement between the parties with respect to the subject matter\nhereof. Notwithstanding the foregoing, to the extent that the Executive has or may enter into an equity, incentive compensation,\nor change in control agreement with the Company containing confidentiality, non-solicitation and/or invention assignment\nprovisions, the restrictive covenants in this Agreement shall supplement (rather than supersede) the covenants in other\nagreements (\u201cOther Covenants\u201d), and the Other Covenants shall remain in full force and effect. To the extent any conflict exists\nbetween the restrictions set forth in the Other Covenants and the restrictions set forth in this Agreement, the Company shall be\nprovided the greatest protection set forth in either agreement.\nI. Payments in the Event of Anticipatory Termination. Notwithstanding any provision in this Agreement to the contrary, in the event of\nan Anticipatory Termination, no payment that the Company shall be required to make under this Agreement shall be due except in\nthe event of, and following, the date of such Change in Control, at the time specified under Section 7.B.\nJ. Code Section 409A. The Agreement is intended to comply with the requirements of Section 409A of the Code or an exception or\nexclusion therefrom and shall in all respects be administered in accordance with Section 409A of the Code. Severance payments\nshall be\n24", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2000, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "eb8fb7cd-4e21-47c5-9edb-590399943cbf": {"__data__": {"id_": "eb8fb7cd-4e21-47c5-9edb-590399943cbf", "embedding": null, "metadata": {"page_label": "274", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "21b3e9ef-aff5-407b-96ed-00ad24109ae9", "node_type": "4", "metadata": {"page_label": "274", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "c628d1300ef0af8df102e9227f941a073d9fe37810f6b874ad703f0106c03fe8", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "made under the \u201cshort term deferral\u201d exception under Section 409A of the Code, to the maximum extent possible, and then under\nthe \u201cseparation pay\u201d exception under Section 409A of the Code or another applicable exception. If required by Section 409A of\nthe Code, all payments to be made upon a termination of employment under this Agreement may only be made upon a\n\u201cseparation from service\u201d under Section 409A of the Code, each payment hereunder shall be treated as a separate payment, the\nright to a series of installment payments under this Agreement shall be treated as a right to a series of separate payments, and if\nthe Executive is considered a \u201cspecified employee\u201d for purposes of Section 409A of the Code, the payment of any amounts\nhereunder shall be delayed as required by Section 409A of the Code. Within the time period permitted by the applicable Treasury\nRegulations, the Company may, in consultation with the Executive, modify the Agreement, in the least restrictive manner\nnecessary and without any diminution in the value of the payments to the Executive, in order to cause the provisions of the\nAgreement to comply with the requirements of Section 409A of the Code, so as to avoid the imposition of taxes and penalties on\nthe Executive pursuant to Section 409A of the Code. With regard to any provision herein that provides for reimbursement of costs\nand expenses or in-kind benefits, except as permitted by Code Section 409A, (i) the right to reimbursement or in-kind benefits\nshall not be subject to liquidation or exchange for another benefit, (ii) the amount of expenses eligible for reimbursement, or in-\nkind benefits, provided during any taxable year shall not affect the expenses eligible for reimbursement, or in-kind benefits to be\nprovided, in any other taxable year, and (iii) such payments shall be made on or before the last day of Executive\u2019s taxable year\nfollowing the taxable year in which the expense occurred.\nK. Reduction of Payments for Annual Bonus Payments Already Made. Notwithstanding any provision of this Agreement to the\ncontrary, in the event the Effective Date and the\n25", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2119, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "fe50573e-8273-4af9-9336-53ef7772f803": {"__data__": {"id_": "fe50573e-8273-4af9-9336-53ef7772f803", "embedding": null, "metadata": {"page_label": "275", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "80c23565-fd9f-49d9-85d3-1c6c1bbc56f6", "node_type": "4", "metadata": {"page_label": "275", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "5b746197f3cb9802ac5b47da2fa0c775d4434fd25b5d6eff23c194ca2e9cd43c", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Termination Date occur in the same fiscal year, any payment to the Executive pursuant to Section 7.B. hereof shall be reduced\n(but not below zero) by any amounts paid or payable to the Executive pursuant to the Annual Bonus in the same year.\nL. Survivorship. Upon the expiration or other termination of this Agreement or the Executive\u2019s employment, the respective rights and\nobligations of the parties hereto shall survive to the extent necessary to carry out the intentions of the parties under this\nAgreement.\n    IN WITNESS WHEREOF, the Executive has hereunto set the Executive\u2019s hand and, pursuant to the authorization from the\nCompany\u2019s Board of Directors or its Compensation and Talent Committee, the Company has executed this Agreement, all as of the day\nand year first above written.\n                    [______________]\nAssurant, Inc.\nBy: ____________________________________     Name: Keith Demmings     Title: President and Chief Executive Officer\n26", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 961, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "2f948063-f10f-4647-9e95-92bcc2ee5d78": {"__data__": {"id_": "2f948063-f10f-4647-9e95-92bcc2ee5d78", "embedding": null, "metadata": {"page_label": "276", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "17ac1144-b812-4f32-b7aa-ea4db6f3bf8f", "node_type": "4", "metadata": {"page_label": "276", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "be2ee4de6c11a56de791130f1fdfaded00c3418f2886a07e4c0711a0bf519e81", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "APPENDIX A\nFORM OF GENERAL RELEASE\n        THIS RELEASE (this \u201cRelease\u201d) is granted effective as of the [__] day of [________], 20[__], by [______________] (the\u201cExecutive\u201d) in favor of Assurant, Inc. (the \u201cCompany\u201d). This is the release referred to in that certain Change In Control Agreement datedas of [______________] by and between the Company and the Executive (the \u201cCIC Agreement\u201d). The Executive gives this Release inconsideration of the Company\u2019s promises and covenants as recited in the CIC Agreement, with respect to which this Release is anintegral part.\n        Section 1.    Release of the Company. The Executive, on behalf of the Executive and the Executive\u2019s successors, assigns,attorneys and all those entitled to assert the Executive\u2019s rights, now and forever hereby releases and discharges the Company and itsrespective officers, directors, stockholders, trustees, employees, agents, parent corporations, subsidiaries, affiliates, estates,successors, assigns and attorneys (the \u201cReleased Parties\u201d), from any and all claims, actions, causes of action, sums of money due,suits, debts, liens, covenants, contracts, obligations, costs, expenses, damages, judgments, agreements, promises, demands, claimsfor attorney\u2019s fees and costs or liabilities whatsoever, in law or in equity, which the Executive ever had or now has against the ReleasedParties, including any claims arising by reason of or in any way connected with any employment relationship which existed between theCompany or any of its parents, subsidiaries, affiliates, or predecessors and the Executive. It is understood and agreed that this Releaseis intended to cover all actions, causes of action, claims or demands for any damage, loss or injury, which may be traced either directlyor indirectly to the aforesaid employment relationship, or the termination of that relationship, that the Executive has, had or purports tohave, from the beginning of time to the date of this Release, whether known or unknown, that now exists, no matter how remotely theymay be related to the aforesaid employment relationship including but not limited to claims for employment discrimination under federalor state law, except as provided in Paragraph 2; claims arising under Title VII of the Civil Rights Act, 42 U.S.C. \u00a7 2000(e), et seq. or theAmericans With Disabilities Act, 42 U.S.C. \u00a7 12101 et seq.; claims for statutory or common law wrongful discharge, including any claimsarising under the Fair Labor Standards Act, 29 U.S.C. \u00a7 201 et seq.; the California Family Rights Act; the California Labor Code; and theCalifornia Fair Employment and Housing Act; claims for attorney\u2019s fees, expenses and costs; claims for defamation; claims for wages orpaid time off; claims for benefits, including any claims arising under the Employee Retirement Income Security Act, 29 U.S.C. \u00a7 1001,et seq., as amended; and provided, however, that nothing herein shall release the Company of its obligations to the Executive under theCIC Agreement or any other contractual obligations between the Company or its affiliates and the Executive, or any indemnificationobligations to Executive under the Company\u2019s bylaws, certificate of incorporation, California law or otherwise.\n        Section 2.    Release of Claims Under the Age Discrimination in Employment Act. Without limiting the generality of the foregoing,the Executive agrees that by executing this Release, the Executive has released and waived any and all claims the Executive has ormay have as of the date of this Release for age discrimination under the Age Discrimination in Employment Act, 29 U.S.C. \u00a7 621, et seq.It is understood that the Executive is advised to consult with an attorney prior to executing this Release; that the Executive in fact hasconsulted a knowledgeable, competent attorney regarding this Release; that the Executive may, before executing this Release, considerthis Release for a period of forty-five (45) calendar days; and that the consideration the Executive receives for this Release is in additionto amounts to which the Executive was already\n27", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 4086, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "b652d6b9-1d28-47eb-a8d9-f3291c5b4dec": {"__data__": {"id_": "b652d6b9-1d28-47eb-a8d9-f3291c5b4dec", "embedding": null, "metadata": {"page_label": "277", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "8bb02c26-8c9c-4e3b-b4db-c1b5f6e707f9", "node_type": "4", "metadata": {"page_label": "277", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "813ede9cf7c879711b429e3f89fd56972280c434387e4fe4ff9f633a5ea5f793", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "entitled. It is further understood that this Release is not effective until seven (7) calendar days after the execution of this Release andthat the Executive may revoke this Release within seven (7) calendar days from the date of execution hereof.\n        The Executive agrees that the Executive has carefully read this Release and is signing it voluntarily. The Executive acknowledgesthat the Executive has had forty-five (45) days from receipt of this Release to review it prior to signing or that, if the Executive is signingthis Release prior to the expiration of such 45-day period, the Executive is waiving the right to review the Release for such full 45-dayperiod prior to signing it. The Executive has the right to revoke this release within seven (7) days following the date of its execution.\nSection 3. California Civil Code Section 1542. Executive is familiar with the provisions of California Civil Code Section1542, a statute that otherwise prohibits the release of unknown claims, which provides as follows:\nA GENERAL RELEASE DOES NOT EXTEND TO CLAIMS THAT THE CREDITOR OR RELEASING PARTY DOESNOT KNOW OR SUSPECT TO EXIST IN HIS OR HER FAVOR AT THE TIME OF EXECUTING THE RELEASE ANDTHAT, IF KNOWN BY HIM OR HER, WOULD HAVE MATERIALLY AFFECTED HIS OR HER SETTLEMENT WITHTHE DEBTOR OR RELEASED PARTY.\nExecutive, being aware of said code section, agrees to expressly waive any rights Executive may have thereunder, as well as under anyother statute or common law principles of similar effect.\n        Section 4.    Certain Exceptions. Notwithstanding any provision of the CIC Agreement to the contrary, this Release shall not affectand expressly excludes any claim relating to: (1) obligations under this Agreement; (2) obligations that, in each case, by their terms areto be performed after the date hereof (including, without limitation, obligations to the Executive under any equity compensation awardsor agreements or obligations under any pension plan or other benefit or deferred compensation plan, all of which shall remain in effect inaccordance with their terms); (3) obligations to indemnify the Executive respecting acts or omissions in connection with the Executive\u2019sservice as a director, officer or employee of the Company or any Affiliated Company (as defined in the CIC Agreement); (4) obligationswith respect to insurance coverage under any directors\u2019 and officers\u2019 liability insurance policies; (5) Executive\u2019s rights to obtaincontribution in the event of the entry of judgment against Executive as a result of any act or failure to act for which both the Executiveand the Company or any Affiliated Company (as defined in the CIC Agreement) are jointly responsible; (6) any rights that the Executivemay have as a stockholder of the Company; and (7) on facts or circumstances arising after the date hereof.\n        THE EXECUTIVE HAS CAREFULLY READ THIS RELEASE AND ACKNOWLEDGES THAT IT CONSTITUTES A GENERALRELEASE OF ALL KNOWN AND UNKNOWN CLAIMS AGAINST THE COMPANY UNDER THE AGE DISCRIMINATION INEMPLOYMENT ACT. THE EXECUTIVE ACKNOWLEDGES THAT THE EXECUTIVE HAS HAD A FULL OPPORTUNITY TO CONSULTWITH AN ATTORNEY OR OTHER ADVISOR OF THE EXECUTIVE\u2019S CHOOSING CONCERNING EXECUTION OF THIS RELEASEAND THAT THE EXECUTIVE IS SIGNING THIS RELEASE VOLUNTARILY AND WITH THE FULL INTENT OF RELEASING THECOMPANY FROM ALL SUCH CLAIMS.\n28", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3356, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "8e33e1ab-395a-4743-a452-d78366d152a0": {"__data__": {"id_": "8e33e1ab-395a-4743-a452-d78366d152a0", "embedding": null, "metadata": {"page_label": "278", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "7d183d99-aaf5-4cb1-84bf-ef796ac1fc8c", "node_type": "4", "metadata": {"page_label": "278", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f21b03befc71cf51a09072250a7281aecddbfe3165629100d74a8ec5fd3899a0", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "[Name]\n29", "mimetype": "text/plain", "start_char_idx": 20, "end_char_idx": 29, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "8ac80905-f9b3-4daa-bd2d-5706c5a4c529": {"__data__": {"id_": "8ac80905-f9b3-4daa-bd2d-5706c5a4c529", "embedding": null, "metadata": {"page_label": "279", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "49e2c949-c4c1-4017-bf95-b4b0b3afcf49", "node_type": "4", "metadata": {"page_label": "279", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "416adaf017851e12e787e05bb8e772a02a02b3c1aee0c552b3268cd5a78c899a", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Exhibit 10.32\n**Certain identified information has been excluded from this exhibit because it is both (i) not material and (ii) is the type that the registrant treats asprivate or confidential. Redacted information is indicated with brackets and asterisks ([***]).\nPURCHASE AND SALE AGREEMENT\nTHIS PURCHASE AND SALE AGREEMENT (this \u201cAgreement\u201d) is dated as of the 22nd day of January, 2025 (the \u201cEffectiveDate\u201d) and is entered into by and between AMERICAN BANKERS LIFE ASSURANCE COMPANY OF FLORIDA, a Floridacorporation (\u201cSeller\u201d), and GPC MIAMI BUSINESS PARK, LLC, a Florida limited liability company (\u201cBuyer\u201d), who agree asfollows:\n1. Defined Terms and Deal-Specific Terms.\n1.1 Index of Defined Terms. An index of defined terms is attached to this Agreement. However, the failure of a definedterm to appear in such index will not affect the interpretation of this Agreement (including such term).\n1.2 Certain Defined Terms. Certain terms are defined in Section 17 (Certain Defined Terms), in addition to thedefinitions in Section 1.3 (Certain Deal-Specific Terms) and elsewhere in this Agreement.\n1.3 Certain Deal-Specific Terms. Certain deal-specific terms of this Agreement are summarized or defined below,subject to the applicable provisions set forth elsewhere in this Agreement.\n1.3.1Property. The Property consists of certain parcels of land located in or near the City of Miami (\u201cSubjectCity\u201d), Miami-Dade County (\u201cSubject County\u201d), State of Florida (\u201cSubject State\u201d), and associated buildings, improvements,appurtenances and tangible and intangible personal property, all as more particularly defined in Section 2 (Purchase and Sale; Property).\n1.3.2Price and Other Dollar Amounts.\n1.3.2.1\u201cPurchase Price\u201d means $126,000,000.00.\n1.3.2.2\u201cInitial Deposit\u201d means $1,000,000.00, which is to be delivered within two (2) Business Days (the\u201cInitial Deposit Delivery Period\u201d) after the Effective Date.\n1.3.2.3\u201cAdditional Deposit\u201d means $1,250,000.00.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1952, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "049f62a4-5dd6-42a4-9ee4-f82ade36e603": {"__data__": {"id_": "049f62a4-5dd6-42a4-9ee4-f82ade36e603", "embedding": null, "metadata": {"page_label": "280", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "eaadbbda-2ac0-4267-aa53-401d9d482c8b", "node_type": "4", "metadata": {"page_label": "280", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "1600466abfa984b536824f7d5d71e7e7df4602f7e082985118deaf397c06b14e", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 2\n1.3.2.4\u201cSeller Post-Closing Threshold\u201d means $100,000 and \u201cSeller Post-Closing Cap\u201d means onepercent (1%) of the Purchase Price.\n1.3.2.5\u201cMandatory Title Cure Cap\u201d means twenty-five percent (25%) of the Purchase Price.\n1.3.2.6\u201cCondemnation Monetary Materiality Threshold\u201d means five percent (5%) of the PurchasePrice.\n1.3.2.7\u201cCasualty Monetary Materiality Threshold\u201d means five percent (5%) of the Purchase Price.\n1.3.3Due Diligence.\n1.3.3.1The \u201cDue Diligence Period\u201d is the period from the Effective Date until 5:00 p.m. \u201cLocal Time\u201d(i.e., Eastern time) on the \u201cDue Diligence Expiration Date\u201d (i.e., the date that is ninety (90) days after the Effective Date).\n1.3.3.2Seller has designated the following person to be contacted for scheduling entry onto the Property byBuyer (or other Buyer Related Parties) and to provide approvals that may be given by telephone or by email under this Agreement:\nName:        [***]Telephone:    [***]Email:        [***]\n\u201cSeller Diligence Contacts\u201d means the persons in the above list, as such list may be modified from time to time by notice (which may beby email) from Seller to Buyer.\n1.3.4Closing Date. The Closing (as defined below) shall take place on the earlier to occur of the following: (i)the date which is thirty (30) days after the date that Buyer has obtained all Development Approvals or (ii) the date which is thirty (30)days after the Development Approvals Expiration Date (\u201cClosing Date\u201d), as the same may be extended or accelerated in accordance withthis Agreement.\n1.3.4.1\u201cClosing\u201d means (A) Buyer\u2019s delivery of the Closing Payment, and Seller\u2019s delivery of the Deed, toEscrow Agent, and the performance by each Party (or the waiver in writing by the other Party for purposes of establishing the Closing) ofthe other obligations under Section 7.2 (Closing Deliveries), and (B) the satisfaction or waiver in writing by each Party of the conditionsin this Agreement to its obligation to close. A Party will be deemed to have waived the conditions to its obligation to close and (forpurposes of establishing the Closing) such performance by the other Party if such Party delivers a written closing authorization under theescrow instructions delivered by such Party and the other conditions to closing under such escrow instructions have been satisfied orwaived in writing by such Party. Delivery by Escrow Agent of a confirmation notice in accordance with such escrow instructions will besufficient (but not necessary) confirmation of Closing.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2500, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "9d3c8464-d084-43d0-9872-ba7723e8eb47": {"__data__": {"id_": "9d3c8464-d084-43d0-9872-ba7723e8eb47", "embedding": null, "metadata": {"page_label": "281", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "689bafcc-6c0d-476e-a2fe-8d6cbe64e420", "node_type": "4", "metadata": {"page_label": "281", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "28d9ba7c480157033d136eb87a2fb9006e3231645500e05a871ea27794159b28", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 3\n1.3.4.2The wire deadline on the Closing Date is 5:00 p.m. Local Time (\u201cClosing Wire Deadline\u201d).\n1.3.4.3The \u201cClosing Document Delivery Deadline\u201d is 5:00 p.m. Local Time on the last Business Dayoccurring prior to the Closing Date.\n1.3.5Development Approvals Period.\n1.3.5.1The \u201cDevelopment Approvals Period\u201d is the period from the Due Diligence Expiration Date until5:00 p.m. Local Time on the \u201cDevelopment Approvals Expiration Date\u201d (i.e., the date that is twenty-four (24) months after the DueDiligence Expiration Date); provided however, that if and only if Buyer has not obtained all of the Development Approvals, Buyer shallhave the option to extend the Development Approvals Period for a total of two (2) successive 45-day periods (each, an \u201cExtensionOption\u201d and collectively, the \u201cExtension Options\u201d) by (A) delivering written notice of each Extension Option to Seller at least ten (10)days prior to the then-scheduled Development Approvals Expiration Date and (B) simultaneously paying $100,000.00 per each ExtensionOption via wire transfer of immediately available funds into Escrow (each, an \u201cExtension Fee\u201d). Any Extension Fee delivered by Buyerinto Escrow shall be non-refundable in all respects except in the event of a Seller default under Section 11.1 of this Agreement; andfurther provided that any Extension Fee delivered by Buyer into Escrow shall be credited against the Purchase Price at Closing if andonly if the Parties close in accordance with the terms of this Agreement. In the event this Agreement is terminated for any reason otherthan a Seller default under Section 11.1 of this Agreement, Seller shall be entitled to retain each Extension Fee deposited into Escrow,and such Extension Fee(s) shall immediately be wired by Escrow Agent to Seller after such termination. The Parties hereby agree thateach Extension Deposit shall be deemed to be fully-earned by Seller on the date such Extension Fee is deposited by Buyer into Escrow inconsideration for Seller agreeing for such extension of the Development Approvals Period pursuant to this Section 1.3.5.\n1.3.6Survival and Continuation.\n1.3.6.1\u201cPrimary Survival Period\u201d means the period commencing on the Closing Date or the date thisAgreement terminates, as applicable, and ending nine (9) months thereafter.\n1.3.6.2\u201cPrimary Continuation Period\u201d means the period commencing on the Closing Date or the datethis Agreement terminates, as applicable, and ending six (6) months thereafter.\n1.3.7Title/Survey/Escrow Contact Information.\n1.3.7.1The \u201cTitle Company\u201d is:\nFidelity National Title Insurance Company2203 North Lois Avenue, Suite 450", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2619, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "caa46e07-b329-4a8b-ad67-a4f13d632e02": {"__data__": {"id_": "caa46e07-b329-4a8b-ad67-a4f13d632e02", "embedding": null, "metadata": {"page_label": "282", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "6e71d809-041a-427e-8757-0b76e41f0692", "node_type": "4", "metadata": {"page_label": "282", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "370ee4023b5b684e9ff8ce5cb0b4997e059f95d622f16803402b38a9159fefe4", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 4\nTampa, Florida 33607Attention:    [***]Telephone:    [***]Email:        [***]\n1.3.7.2The \u201cExisting Surveyor\u201d is: Hadonne Corp.\n1.3.7.3The \u201cEscrow Agent\u201d is:\nFidelity National Title Insurance Company2203 North Lois Avenue, Suite 450Tampa, Florida 33607Attention:    [***]Telephone:    [***]Email:        [***]\n1.3.8Notice Addresses for the Parties. The addresses for notices (\u201cNotice Addresses\u201d) to the Parties under thisAgreement are as follows, as the same may be changed by notice given in accordance with this Agreement:\nIf to Seller:\nAmerican Bankers Life Assurance Company of Florida11222 Quail Roost DriveMiami, Florida 33157Attention:    [***]Email:    [***]\nwith copy to\nHolland & Knight LLP (as counsel to Seller)701 Brickell Avenue, Suite 3300Miami, Florida 33131Attention:    [***]Telephone:    [***]Email:    [***]\nIf to Buyer:\nGPC Miami Business Park, LLC2980 NE 207 Street, Unit 706Aventura, Florida 33180Attention:    [***]Telephone:    [***]Email:    [***]", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 979, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "7835f9ea-a826-454d-b10b-fa551563dc43": {"__data__": {"id_": "7835f9ea-a826-454d-b10b-fa551563dc43", "embedding": null, "metadata": {"page_label": "283", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "ed9e19ad-dd74-4662-a92b-9c7f348d69ca", "node_type": "4", "metadata": {"page_label": "283", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "6ca3fea98ad2c74021b8240a8549bbbdbddff66a3b37dde8c13e7092f15823b1", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 5\nand\nGPC Miami Business Park, LLC2980 NE 207 Street, Unit 706Aventura, Florida 33180Attention:    [***]Telephone:    [***]Email:    [***]\nwith copy to\nLeopold Korn, P.A. (as counsel to Buyer and as title agent)18851 NE 29th Avenue, Suite 410Aventura, Florida 33180Telephone:    [***]Facsimile:    [***]Attention:    [***]Email:    [***]\nThe \u201cDesignated Email Addresses\u201d of a Party are all the email addresses in the Notice Address identified above for such Party (as thesame may be changed by notice given in accordance with this Agreement).\n1.3.9Brokers.\n1.3.9.1\u201cSeller\u2019s Broker\u201d is:\nCBRE, Inc.777 Brickell Avenue, Suite 1100Miami, Florida 33131Attention:    [***]Email:    [***]\n1.3.10Knowledge Parties. The \u201cDesignated Representatives\u201d are the following individuals:\n(A) for Seller: [***]; and\n(B) for Buyer: [***].\n1.3.11 Intentionally Omitted.\n1.3.12Affiliates.\n1.3.12.1 The \u201cAffiliate Control Percentage\u201d is Ten Percent (10%).", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 938, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "bce56144-f002-4866-a0ab-279cefd7a58c": {"__data__": {"id_": "bce56144-f002-4866-a0ab-279cefd7a58c", "embedding": null, "metadata": {"page_label": "284", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a5171174-7b54-48d8-9526-3c30bcce3450", "node_type": "4", "metadata": {"page_label": "284", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "6da662c21f155be05f9bee01fe6f08041b1a1f7e92eba538f744de77fb393243", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 6\n1.3.12.2 \u201cBuyer Permitted Entity\u201d means any Person who (A) directly or indirectly, is undercommon control with, and has at least ten percent (10%) common ownership with, Buyer, and (B) complies with Section 14 (Anti-Terrorism Laws).\n2. Purchase and Sale; Property. Upon the terms and conditions hereinafter set forth, Seller shall sell to Buyer, and Buyer shallpurchase from Seller, the \u201cProperty\u201d (which, as used herein, means, collectively, all of Seller\u2019s right, title and interest, if any, in and to(A) the \u201cLand,\u201d (B) the \u201cImprovements,\u201d (C) the \u201cAppurtenances,\u201d (D) the \u201cPersonal Property,\u201d and (E) the \u201cIntangible Property,\u201d assuch quoted terms are defined below). As used herein:\n2.1 \u201cAppurtenances\u201d means any easements, hereditaments, licenses, privileges, covenants, water and riparian rights,air and solar rights, development rights, mineral rights, and other rights, appurtenant to the Land, or in, on, or under any land, highway,alley, street, roadway, passage or right of way abutting the Land, but excluding Intangible Property.\n2.2 \u201cImprovements\u201d means any improvements, structures and (to the extent constituting an interest in real property)fixtures located upon the Land, including three (3) office buildings, one (1) distribution center, and three (3) support buildings located onthe Land, but specifically excluding (i) fixtures leased from third parties, (ii) fixtures owned by tenants or subtenants, or (iii) fixturesleased by tenants or subtenants from third parties.\n2.3 \u201cIntangible Property\u201d means the following relating to the Land, the Improvements or the Personal Property (butexcluding the Reserved Seller Assets): the \u201cLeases\u201d (as defined below), the \u201cService Contracts\u201d (as defined below), and to the extent thefollowing items are assignable, any permits, entitlements, licenses and approvals issued by a Governmental Entity, warranties andguarantees received in connection with any work or services performed with respect thereto, or equipment installed therein. However,any such property that runs with the Land or otherwise constitutes a real property interest will constitute an Appurtenance and notIntangible Property.\n2.3.1\u201cLeases\u201d means, collectively, except to the extent terminated in accordance with this Agreement (or by thenatural expiration of the lease term prior to Closing), (A) any \u201cExisting Lease\u201d (as defined below), as amended in accordance with thisAgreement; and (B) any \u201cNew Lease\u201d (as defined below), as amended in accordance with this Agreement.\n2.3.1.1\u201cExisting Lease\u201d means a license, lease or any other occupancy agreement identified onSchedule 2.3.1.1 (the \u201cLease Schedule\u201d), as amended by the amendments identified on the Lease Schedule.\n2.3.1.2\u201cNew Lease\u201d means a license, lease or any other occupancy agreement entered into by Seller withrespect to the Property on or after the Effective Date in accordance with the terms of this Agreement.\n2.3.2\u201cReserved Seller Assets\u201d means the following assets of Seller or any Affiliate of Seller: (A) all cash, cashequivalents (including certificates of deposit) and bank", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3081, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "e23bdca8-c9d5-4083-ad09-1843d8682ee1": {"__data__": {"id_": "e23bdca8-c9d5-4083-ad09-1843d8682ee1", "embedding": null, "metadata": {"page_label": "285", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "6b7cf314-39a0-4a8a-b340-c695305b0dcf", "node_type": "4", "metadata": {"page_label": "285", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "fa40776483fe9f80b02a6072e05677b094b9b53e31f8fb6ac7eca92972f8a9fa", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 7\naccounts; (B) all deposits, reserves and other amounts held by third parties (e.g., utility companies or lenders), except to the extentcredited to Seller hereunder; (C) accounts receivable and any right or claim to a refund, reimbursement or other payment relating to aperiod or occurrence prior to the Closing, including any real estate tax refund, subject to the prorations hereinafter set forth; (D) anyclaims under a Lease, contract, warranty or guaranty arising from acts or occurrences prior to the Closing (but the reservation of theclaims under this clause (D) will be non-exclusive with Buyer who will have the right to any such claims to the extent they relate to theProperty and arise from and after the Closing); provided such claims are subordinate to the Buyer\u2019s rights for receipt of income under theLeases; (E) claims or other rights against an Affiliate of Seller or any present or prior Constituent Person of Seller or an Affiliate ofSeller; (F) Seller\u2019s insurance and any refund in connection with termination of Seller\u2019s existing insurance policies (subject to Section 8);(G) any computer software (other than computer software, if any, that runs the energy management, elevators and other systems for theImprovements); (H) the Excluded DD Materials; (I) any \u201cPre-Closing C/C Proceeds\u201d (as defined below); and (J) the personal property, ifany, scheduled on Schedule 2.3.2 (Excluded Personal Property).\n2.3.3\u201cService Contracts\u201d means, collectively, all service or equipment leasing contracts relating to the Property(other than the Excluded Services Contracts) that are (A) identified on Schedule 2.3.3 (the \u201cService Contract Schedule\u201d), (B) enteredinto by Seller in accordance with this Agreement after the Effective Date, or (C) \u201cEmergency Contracts\u201d (i.e., a Service Contractentered into after the Effective Date in response to an emergency situation at the Property including, for example, any condemnation orcasualty affecting the Property).\n2.3.3.1\u201cExcluded Service Contracts\u201d means any service or equipment leasing contract (1) to which Selleror an Affiliate is a party and relating to the Property for (a) insurance (subject to Section 8); (b) existing property management, assetmanagement, lease brokerage or similar services; or (c) the engagement of attorneys, accountants, brokers, surveyors, title companies,environmental consultants, building contractors, architects, engineers or appraisers, or (2) that Seller executes and delivers after theEffective Date and causes to be terminated effective as of or prior to the Closing. In addition, a Service Contract will become anExcluded Service Contract (and will then no longer be Service Contract) (i) if and when it becomes a \u201cNon-Assignable Service Contract\u201d(as defined below), (ii) if and when Seller terminates it in accordance with the terms of this Agreement but only if the termination iseffective as of or prior to the Closing, or (iii)  if such Service Contract constitutes an \u201cObjectionable Service Contract\u201d (as definedbelow), if and when provided in Section 9.3.2.1 (Termination of Objectionable Service Contracts).\n2.4 \u201cLand\u201d means those certain parcels of land identified as Folio Numbers 30-6006-034-0010, 30-6006-034-0015,30-6006-034-0020, 30-6006-034-0025, and 30-6006-034-0030, as more particularly described in Exhibit A hereto.\n2.5 \u201cPersonal Property\u201d means all of Seller\u2019s right, title and interest in all of the equipment, machinery, furniture,furnishings, supplies and other tangible personal property, if any, located on, and used in connection with, the Land and Improvements,including all", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3601, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "aff56891-2f9e-4605-a8ae-af93a3908d24": {"__data__": {"id_": "aff56891-2f9e-4605-a8ae-af93a3908d24", "embedding": null, "metadata": {"page_label": "286", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "8e17b888-5898-40ac-8ba9-c4a9f12d4e01", "node_type": "4", "metadata": {"page_label": "286", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "61c2c44ca60ebd921ac4d370a1a60fb054aeb67a871461d60fc3db3a149ec555", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 8\nbuilding materials, supplies, hardware, carpeting and other inventory located on or in the Land or Improvements and maintained inconnection with the ownership and operation thereof, but specifically excluding the Reserved Seller Assets, the items of personalproperty scheduled on Schedule 2.3.2 (Excluded Personal Property) and any items of personal property owned or leased by any tenants ator on the Property.\n3. Payment of Purchase Price. Buyer shall pay the Purchase Price to Seller as follows:\n3.1 Deposit.\n3.1.1Initial Deposit. Within the Initial Deposit Delivery Period, Buyer shall deliver the Initial Deposit to EscrowAgent. If the Initial Deposit is not timely delivered, then without limitation on its other rights and remedies, Seller may terminate thisAgreement by notice to Buyer and Escrow Agent at any time prior to delivery of the Initial Deposit to Escrow Agent.\n3.1.2Additional Deposit. If this Agreement is not terminated under Section 3.1.1 (Initial Deposit) or Section 5.4(Due Diligence Termination Right), then within one (1) Business Day after the Due Diligence Expiration Date, Buyer shall deliver theAdditional Deposit to Escrow Agent and the entire \u201cDeposit\u201d (as defined below) shall immediately be deemed to be non-refundableexcept as otherwise expressly provided in Section 3.1.3 of this Agreement. If Buyer fails to deliver the Additional Deposit to EscrowAgent within such period as required above, then at any time prior to delivery of the Additional Deposit to Escrow Agent, Seller maydeliver an \u201cAdditional Deposit Default Notice\u201d (as defined below) to Buyer and Escrow Agent. If an Additional Deposit Default Notice isso delivered and the Additional Deposit is not delivered to Escrow Agent within five (5) Business Days after such delivery, then thisAgreement will automatically terminate and the Initial Deposit shall thereafter be immediately disbursed to Seller as agreed upon andliquidated damages. An \u201cAdditional Deposit Default Notice\u201d means a notice stating in all capital letters that \u201cTHE ADDITIONALDEPOSIT WAS NOT DELIVERED WITHIN THE REQUISITE TIME PERIOD. IF BUYER FAILS TO DELIVER TO ESCROWAGENT THE ADDITIONAL DEPOSIT IN IMMEDIATELY AVAILABLE FUNDS WITHIN FIVE (5) BUSINESS DAYS AFTER THEDELIVERY OF THIS NOTICE, THEN THE AGREEMENT WILL AUTOMATICALLY TERMINATE, IN WHICH EVENT THEINITIAL DEPOSIT WILL BE IMMEDIATELY PAID TO SELLER.\u201d\n3.1.3Termination by Buyer. Except as may be otherwise expressly set forth in this Agreement, after the DueDiligence Expiration Date, Buyer has no right to terminate this Agreement.\n3.1.4Delivery and Investment of Deposit. \u201cDeposit\u201d means the Initial Deposit and, to the extent delivered, theAdditional Deposit, together with any interest earned thereon. Buyer shall deliver to Escrow Agent the Initial Deposit and the AdditionalDeposit by wire transfer (via Fedwire) of immediately available funds. The Escrow Agent shall maintain the", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2924, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "d197bbed-2452-4943-a168-52a5bf449316": {"__data__": {"id_": "d197bbed-2452-4943-a168-52a5bf449316", "embedding": null, "metadata": {"page_label": "287", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "aa340537-6329-400c-b044-60911e354e60", "node_type": "4", "metadata": {"page_label": "287", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b231af30b5fade396a9749e4a042c7175a391ac7ce46b552bc8a541e90023c24", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 9\nDeposit in an interest-bearing account accruing interest at the overnight bank rate and shall disburse the Deposit as provided in thisAgreement. Any interest earned on the Deposit shall be for the benefit of the Buyer unless Buyer is in default of this Agreement, in whichevent interest shall inure to the benefit of Seller.\n3.1.5Closing. At Closing, the entire Deposit will be applied to the Purchase Price.\n3.2 Closing Payment. Buyer shall pay (or caused to be paid) the Purchase Price, as adjusted by the application of theDeposit and by the prorations and credits specified herein, by wire transfer (via Fedwire) of immediately available funds (through theescrow described in Section 7 (Closing Procedure)) as and when provided in Section 7.2.2 (Buyer Deliveries). The \u201cClosing Payment\u201dmeans the amount to be paid under this Section 3.2.\n4. Title Matters.\n4.1 Initial Title/Survey Matters.\n4.1.1     Title Commitment/Existing Survey. Within five (5) Business Days after the Effective Date, (A) Buyer shallorder and, upon receipt, deliver or make a copy available to Seller, an ALTA commitment for title insurance, to be prepared by the TitleCompany, for the Land and Improvements (the \u201cTitle Commitment\u201d). Buyer acknowledges that Seller has delivered to Buyer a copy ofan existing survey of the Land and Improvements in Seller\u2019s possession (\u201cExisting Survey\u201d).\n4.1.2     Survey. Buyer may, at its sole cost and expense, obtain a new or updated survey of the Land andImprovements. \u201cSurvey\u201d means the most recent new or updated survey obtained by Buyer, or if no new or updated survey is so obtained,the Existing Survey.\n4.1.3     Deemed Approval. If this Agreement is not terminated under (A) Section 5.4 (Due Diligence TerminationRight), (B) Section 4.2.1.1 (Initial Title/Survey Matters), or (C) Section 4.2.1.2 (Additional Title/Survey Matters), then, subject to Section4.3 (Mandatory Title Cure Obligations), Buyer will be deemed to have approved the exceptions to title shown on the Title Commitment,the matters disclosed on the Survey and such other title or survey matters as are disclosed in writing to Buyer during the Due DiligencePeriod, except (A) those matters for which Seller has agreed in writing to provide at or before Closing a Title Cure and (B) encumbrancesresulting from a breach by Seller of Section 9.3.4 (Encumbrances) (\u201cProhibited Seller Encumbrances\u201d).\n4.1.4     Title Cure. \u201cTitle Cure,\u201d as to any particular title matter, means that, at Seller\u2019s expense, Seller causes(A) such title matter to be removed from record title and to no longer affect the Property, (B) subject to Buyer\u2019s approval, the TitleCompany to provide title insurance over such matter (e.g., by not taking exception for such matter or by providing affirmative coverageover such matter), (C) another cure reasonably satisfactory to Buyer, or (D) a cure agreed to in writing by Buyer and Seller. A Title Curethat Seller commits (in writing)", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2946, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "fc05251a-fe9a-42b0-a8a8-37757c365481": {"__data__": {"id_": "fc05251a-fe9a-42b0-a8a8-37757c365481", "embedding": null, "metadata": {"page_label": "288", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "2552c637-f77e-4c94-bd44-7118a902cfd5", "node_type": "4", "metadata": {"page_label": "288", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ab4f9995d0f69e7d8d253ed0451c5560ef39bc272cb8d3abbbc3693cf6cbd78f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 10\nto use commercially reasonable efforts to cause at or before Closing is herein called a \u201cCommitted Title Cure.\u201d Buyer approves eachtitle exception as to which Seller provides at or before Closing a Title Cure as described in clause (B), (C) or (D) above.\n4.2 Title/Survey Matters. Buyer has the right to object, in accordance with Section 4.2.1 (Objection Process), to (i) any\u201cInitial Title/Survey Matters\u201d (i.e., title exceptions or survey matters, as to which Buyer receives written notice prior to the end of the\u201cTitle Review Period\u201d (i.e., the period commencing on the Effective Date and ending at 5:00 p.m. Local Time on the day that is ten (10)days prior to the Due Diligence Expiration Date) pursuant to Buyer\u2019s review of the Title Commitment or the Survey), and (ii) any\u201cAdditional Title/Survey Matters\u201d (i.e., additional title exceptions or survey matters, as to which Buyer first receives written noticeafter the Due Diligence Expiration Date pursuant to an update of the Title Commitment or the Survey) to the extent permitted underSection 4.2.2 (Basis for Objection).\n4.2.1Objection Process.\n4.2.1.1Initial Title/Survey Matters. Unless Buyer delivers written notice to Seller that it objects to anyInitial Title/Survey Matter (other than a Prohibited Seller Encumbrance), stating the Initial Title/Survey Matter to which it objects(\u201cInitial Title Objection Notice\u201d) prior to the expiration of the Title Review Period, Buyer will be deemed to have approved such InitialTitle/Survey Matter, subject to Section 4.3 (Mandatory Title Cure Obligations). A \u201cDisapproved Initial Title/Survey Matter\u201d means anInitial Title/Survey Matter to which Buyer timely objects. Seller shall notify Buyer within five (5) days of receipt of Buyer\u2019s TitleObjection Notice whether Seller intends to cure any Disapproved Initial Title/Survey Matters, provided, however, Seller shall beobligated to cure Mandatory Title Cure Obligations. If Seller gives Buyer written notice that it will not provide a Title Cure for any one ormore of such Disapproved Additional Title/Survey Matters, then Buyer may, at its option, terminate this Agreement upon notice to Sellerbut only if such termination notice is given prior to the Due Diligence Expiration Date, in which event the Deposit will be promptlyreturned to Buyer. If Buyer fails to give such termination notice by such time, Buyer will be deemed to have waived its objection to, andapproved, such matters, subject to Section 4.3 (Mandatory Title Cure Obligations).\n4.2.1.2Additional Title/Survey Matters. Unless Buyer delivers written notice to Seller that it objects to anyAdditional Title/Survey Matter (other than a Prohibited Seller Encumbrance), stating the Additional Title/Survey Matter to which itobjects and the basis for such objection (\u201cAdditional Title Objection Notice\u201d) before the sooner to occur of the Closing or five (5)Business Days after receipt of an update to the Title Commitment or the Survey reflecting same, Buyer will be deemed to have approvedsuch Additional Title/Survey Matter, subject to Section 4.3 (Mandatory Title Cure Obligations). A \u201cDisapproved AdditionalTitle/Survey Matter\u201d means an Additional Title/Survey Matter meeting the requirements of Section 4.2.2 (Basis for Objection) to whichBuyer timely objects. Until the sooner to occur of the Closing or ten (10) Business Days after Seller\u2019s receipt of any Additional TitleObjection Notice, Seller may, in its sole discretion, provide evidence reasonably satisfactory to Buyer that there will be a Title Cure atClosing, and the Closing Date will be", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3578, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "f6000fb1-b155-4350-82ea-3050f54cc53a": {"__data__": {"id_": "f6000fb1-b155-4350-82ea-3050f54cc53a", "embedding": null, "metadata": {"page_label": "289", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "f5634740-d215-4e36-bef0-0bff0cef9d81", "node_type": "4", "metadata": {"page_label": "289", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "7335ec9fbf29c30ff4cf7cb59e12ea11db6e7c78aca8e573896eca81946595e7", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 11\nextended to allow for such ten (10) Business Day period. If within such ten (10) Business Day period, Seller either (A) fails to give suchevidence that there will be a Title Cure at Closing as to all Disapproved Additional Title/Survey Matters, or (B) gives Buyer writtennotice that it will not provide a Title Cure for any one or more of such Disapproved Additional Title/Survey Matters, then Buyer may, atits option, terminate this Agreement upon notice to Seller but only if such termination notice is given prior to the sooner to occur of theClosing or five (5) days after Buyer receives any such Seller\u2019s notice (or five days after the expiration of such ten (10) Business Dayperiod, if applicable), in which event the Deposit will be promptly returned to Buyer. If Buyer fails to give such termination notice bysuch time, Buyer will be deemed to have waived its objection to, and approved, such matters, subject to Section 4.3 (Mandatory TitleCure Obligations). Notwithstanding anything in this Agreement to the contrary, should any Disapproved Additional Title/Survey Matterconstitute a Prohibited Seller Encumbrance, then Seller shall have the option to either (1) cure such Prohibited Seller Encumbrance bycausing it to be released of record (and the Closing may be extended to the extent required to allow for such cure), or (2) to the extent ofany Prohibited Seller Encumbrance that constitutes a monetary lien or other encumbrance that can be readily converted to a liquidatedamount, either pay off such amount or provide the Buyer with a credit at Closing in the amount of 125% of such amount or in an amountto reasonably account for the diminution in value of the Property or the additional cost imposed to comply with the Prohibited SellerEncumbrance; provided however, that in such event if Seller fails to comply with either clauses (1) or (2) above, then the provisions ofSection 11.1 (Breach by Seller) will apply.\n4.2.2     Basis for Objection to Additional Title/Survey Matters. After the Due Diligence Expiration Date, Buyermay object to an Additional Title/Survey Matter under Section 4.2.1.2 (Additional Title/Survey Matters) only if (A) in the case of a titlematter, it is a \u201cSeller Lien\u201d or an \u201cAdditional Lien\u201d (as such quoted terms are defined below) or another matter that (1) was not includedon the Title Commitment obtained by Buyer during the Due Diligence Period pursuant to Section 4.1.1 above, (2) is not an ExcludedEncumbrance, (3) does not pertain to or is not otherwise required in connection with the Development Approvals, and (4) is reasonablylikely to materially and adversely affect the Buyer\u2019s \u201cProposed Use\u201d (as defined below) of the Property; or (B) in the case of a surveymatter, it (1) was not included on the Survey obtained by Buyer during the Due Diligence Period pursuant to Section 4.1.2 above, (2) isnot an Excluded Encumbrance, and (3) is reasonably likely to materially and adversely affect the Buyer\u2019s \u201cProposed Use\u201d (as definedbelow). Any Additional Title/Survey Matter not meeting the requirements above will be deemed approved.\n            4.2.3    Definitions.\n4.2.3.1    \u201cAdditional Lien\u201d means any monetary lien encumbering the Property in a liquidated amount,other than a Seller Lien or an Excluded Encumbrance.\n4.2.3.2    \u201cExcluded Encumbrance\u201d means: (A) any lien or other encumbrance arising from the DueDiligence Investigations or otherwise caused by Buyer Conduct; (B) any lien for which Buyer receives a credit at Closing pursuant to thisAgreement or the Closing Documents; (C) any lien for property taxes, water and sewer charges, special", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3617, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "97f4328c-1f1c-4f71-a8a9-ff8a5cd3a5a5": {"__data__": {"id_": "97f4328c-1f1c-4f71-a8a9-ff8a5cd3a5a5", "embedding": null, "metadata": {"page_label": "290", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "be6cca0e-27d6-4cde-872f-ae15b9824659", "node_type": "4", "metadata": {"page_label": "290", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "fa29b716edd670581483b13b8ab591b22da2748e6a934b9a40d8ab855a65078c", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 12\nassessments, and other charges and expenses that are to be prorated under this Agreement; and (D) any encumbrance or other matter thatthe Title Company agrees to provide affirmative insurance over (subject to Buyer\u2019s reasonable approval).\n4.2.3.3    \u201cSeller Lien\u201d means: (A) any lien securing any mortgage financing entered into by Seller thatencumbers all or any portion of the Land and Improvements (an \u201cExisting Loan\u201d); (B) any mechanics\u2019 lien or materialmens\u2019 lien arisingfrom any work or materials ordered by or on behalf of Seller that encumbers the Property (\u201cSeller Mechanics\u2019 Liens\u201d); and (C) anymonetary judgment, tax lien or other monetary lien against Seller which also constitutes a lien against the Property (each, a \u201cThird PartyLien\u201d).\n4.3 Mandatory Title Cure Obligations. At or prior to Closing, Seller shall (A) take such actions as may be reasonablyrequired by Title Company so that Title Company is willing to issue title insurance to Buyer without exception for (or to provide Buyeraffirmative insurance over, if reasonably acceptable to Buyer) any Seller Liens and any Additional Liens (except that Seller shall not berequired to pay or escrow more than the Mandatory Title Cure Cap in the aggregate to comply with its obligations under this Section 4.3on account of Additional Liens), and (B) provide each Title Cure, if any, Seller has agreed to provide in writing (and use commerciallyreasonable efforts to cause any Committed Title Cure). Such actions must include obtaining loan payoff letters (if applicable) for, andleaving a portion of the Purchase Price in escrow sufficient to satisfy, the Seller Liens (if any), and subject to the Mandatory Title CureCap, the Additional Liens. Notwithstanding anything to the contrary contained in this Agreement, to the extent that any Additional Lienor Third Party Lien arises or exists, Seller shall have the right and option to bond off such Additional Lien and/or Third-Party Lien andcontest the same in lieu of paying off such liens, and Closing shall not be extended or postponed as a result, provided the Title Companyagrees to insure title without exception for such Additional Lien and/or Third Party Lien.\n4.4 Owner\u2019s Policy; Permitted Encumbrances; Failure of Closing Due to Absence of Fee Title. \u201cOwner\u2019s Policy\u201dmeans an owner\u2019s title insurance policy issued by Title Company to Buyer, effective as of (or providing coverage for the period from thetime and date of the policy to) the time and date the Deed is recorded, in the standard form issued in the Subject State, in the face amountof the Purchase Price, which policy must show (A) title to the Land and Improvements to be vested of record in Buyer, and (B) thePermitted Encumbrances to be the only exceptions to title. However, if there is a \u201cCommitted Owner\u2019s Policy\u201d (as defined below), thenthe Owner\u2019s Policy will be in the form of the Committed Owner\u2019s Policy. Subject to Section 4.3 (Mandatory Title Cure Obligations),Buyer may not object to title to the Property being subject to the following exceptions to title (\u201cPermitted Encumbrances\u201d):\n(1)    real estate taxes and assessments not yet due and payable;\n(2)    the printed exclusions that appear in a 2021 ALTA standard coverage form Owner\u2019s Policy of Title Insuranceissued by Title Company in the Subject State;", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3317, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "acd1e473-ef2c-4266-8841-6b6c043bd86b": {"__data__": {"id_": "acd1e473-ef2c-4266-8841-6b6c043bd86b", "embedding": null, "metadata": {"page_label": "291", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "5e16a3a8-8871-49a4-90a8-58421fbec336", "node_type": "4", "metadata": {"page_label": "291", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "02fc8ed4c0cd683aeb8580c5321fe2d1700be725f6522ce84497120c5c550349", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 13\n(3)    such other exceptions to title or survey exceptions as may be approved or deemed approved by Buyerpursuant to the above provisions of this Section 4 or otherwise expressly permitted under this Agreement; and\n(4)    any Excluded Encumbrances.\n        4.5    Intentionally Omitted.\n5. Due Diligence Reviews. Buyer may conduct the Due Diligence Investigations, subject to the provisions of this Section 5(Due Diligence Reviews).\n5.1 Access. Subject to Section 5.2 (Due Diligence Requirements) and Section 5.3 (Continuing Due DiligenceObligations), until the earlier to occur of termination of this Agreement or the Closing, Seller shall upon reasonable advance notice to begiven no later than two (2) Business Days prior to the requested access: (x) provide Buyer with reasonable access to the Property (subjectto the rights of any tenants under the Leases) (and no later than three (3) Business Days after the Effective Date if requested on or beforethe Effective Date), and (y) make available (electronically and no later than two (2) Business Days after the Effective Date), for reviewand copying (at Buyer\u2019s expense), all material documents relating to the Property that Buyer may reasonably request and that, to Seller\u2019sknowledge, are in the possession or reasonable control of Seller or Seller\u2019s property manager, including but not limited to: allinvestigations, soil reports, zoning reports, environmental studies, audits, any land use and zoning analyses, surveys, tests, examinations,studies, leases, tenant correspondence files, service contracts, most recent municipal lien searches, licenses, Seller\u2019s title policy and mostrecent survey. In no event, however, will Seller be obligated to make available (or cause to be made available) any \u201cExcluded DDMaterials\u201d (i.e., (A) emails (except to the extent the same modify or amend the Leases, Service Contracts or Permitted Encumbrances)and (B) any proprietary or confidential documents, including: (1) documents that are subject to attorney-client privilege or that areattorney work product; (2) documents that Seller is legally required not to disclose other than by reason of contractual requirementsvoluntarily assumed by Seller on or after the Effective Date without Buyer\u2019s approval; (3) appraisals, broker opinions of value and othervaluations; (4) organizational, financial and other internal documents relating to Seller or its Affiliates (other than any evidence of dueauthorization and organization required under this Agreement) including (a) any materials relating to the background or financialcondition of a present or prior direct or indirect owner of Seller, (b) the internal books and records of Seller relating, for example, tocontributions and distributions, and (c) financial analyses or projections (e.g., Seller\u2019s budgets, cost-basis information and capital accountinformation); (5) engineering or property condition reports older than three years (other than environmental reports); (6) preliminary ordraft assessments, reports or studies, or assessments, reports or studies that have been superseded by final assessments, reports or studies;(7) letters of intent, purchase agreements, loan documents or other documents evidencing or relating to Seller\u2019s acquisition of theProperty or any prior financing or attempted sale of the Property or any portion thereof; and (8) the Excluded Service Contracts). Anyright of Buyer to access or inspect the Property or to conduct further reviews and analyses after the expiration of the Due DiligencePeriod, as set", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3548, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "87d65391-6650-44b4-8f52-d84ef1b29bdf": {"__data__": {"id_": "87d65391-6650-44b4-8f52-d84ef1b29bdf", "embedding": null, "metadata": {"page_label": "292", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "22dbcfee-9376-4a4a-83c5-698671037e24", "node_type": "4", "metadata": {"page_label": "292", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "503c13101887654716cb45ac86de9d1fc8c8a6329b0cab30b95b4619c2eeed0b", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 14\nforth herein, will not give rise to any due diligence approval or due diligence termination right in favor of Buyer under this Agreement.\n5.2 Due Diligence Requirements. Until the sooner to occur of the Closing or the termination of this Agreement:\n5.2.1Investigative Standards. Buyer shall conduct (and shall cause to be conducted) all Due DiligenceInvestigations in a manner so as not to unreasonably interfere with or disturb any tenant or Seller\u2019s operation of the Property.\n5.2.2Repairs. Buyer shall promptly report to Seller (when known to Buyer), and repair, any damage caused bythe Due Diligence Investigations in a good and workmanlike manner in accordance with applicable Law, and free from defects and liens.\n5.2.3Insurance. Prior to entry upon the Property by any Buyer Related Party, Buyer shall cause each DDContractor to obtain and provide Seller with copies of certificates of insurance (and additional insured endorsements where applicable)evidencing, the commercial general liability and other insurance specified in Schedule 5.2.3, in each case complying with therequirements set forth in Schedule 5.2.3 or as otherwise approved by Seller. Buyer\u2019s obligations under this Section 5.2.3 will not limit itsobligations elsewhere in this Agreement (including Buyer\u2019s indemnification obligations under Section 5.3.1 (Indemnity)).\n5.2.4Consents. Without limiting the foregoing, without Seller\u2019s prior consent, which consent shall not beunreasonably withheld, Buyer may not (and shall ensure that no Buyer Related Party will): (A) conduct any physical testing(environmental, structural or otherwise) at the Property (such as soil borings or water samplings) or take physical samples from theProperty (except for radon testing that does not involve penetration or sampling of soil, landscaping or anything affixed to theImprovements or Land); (B) knowingly contact any consultant or other professional engaged by Seller (in connection with servicesrelated to the Property) other than the Existing Surveyor; (C) contact any tenant of the Property (or its representatives) in connection withits tenancy at the Property (or any counterparty to a Permitted Encumbrance); (D) contact any Governmental Entity having jurisdictionover the Property (in connection with the Property) other than (i) ordinary contact normally associated with routine due diligenceexaminations that does not (except to the extent necessary to request records) involve any discussions with governmental officials and islimited to a review of government records and (ii) communications permitted in accordance with Section 9.4 of this Agreement; or(E) contact any direct or indirect owner or manager in Seller (other than representatives of Seller who have contacted Buyer inconnection with this Agreement) or any lender or servicer with respect to any existing financing of Seller. Consents under clause (B), (C)or (D) above may be given by telephone or email by any Seller Diligence Contact; consents under clause (C) above may not beunreasonably withheld.\n5.2.5Attendance and Schedule. Seller may, at its option, cause a representative of Seller to be present at allinterviews, inspections, reviews and examinations (other than internal document review) conducted as part of the Due DiligenceInvestigations.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3297, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "73ccdfc0-9abb-4a14-8c63-f8551864a1ee": {"__data__": {"id_": "73ccdfc0-9abb-4a14-8c63-f8551864a1ee", "embedding": null, "metadata": {"page_label": "293", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "8ce39e06-ecc1-4f9b-89d5-ee9a1cd74c40", "node_type": "4", "metadata": {"page_label": "293", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b6e81ab1c08aec152f6ad9a22244ccd04760d8822de1635f6f83eaf6e126b76b", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 15\nBuyer shall schedule any entry by any Buyer Related Party onto the Property in advance with Seller, which may be done by email ortelephone with any Seller Diligence Contact. Without limiting the foregoing, at least one (1) Business Day prior to (and as a condition to)entry by any Buyer Related Party onto the Property, Buyer shall identify such entry and the applicable Buyer Related Party by email to aSeller Diligence Contact.\n5.3 Continuing Due Diligence Obligations.\n5.3.1Indemnity. Buyer shall indemnify, defend, and hold harmless each Seller Related Party from and againstany and all Claims incurred by it (or the Property) caused by the Due Diligence Investigations, whether before, on or after the EffectiveDate, except to the extent caused by (A) the mere discovery of existing conditions or any required reporting of such conditions and thenonly to the extent they are not exacerbated by any Buyer Related Party, or (B) subject to the immediately following sentence, thenegligence or willful misconduct of a Seller Related Party. The foregoing indemnity will cover Claims caused by the negligence(including active or sole negligence, but not willful misconduct) of one or more Seller Related Parties but only to the extent such Claimsare covered by Buyer\u2019s insurance or would be covered by the insurance Buyer is required to maintain under Section 5.2.3 (Insurance),with the understanding that a Claim will not be covered by insurance to the extent of the lesser of (1) any permitted deductible or self-insured retention, or (2) any actual deductible or self-insured retention; if the insurance company pays the deductible for a Claim causedby Seller\u2019s negligence and then seeks reimbursement from Buyer, then Seller shall promptly reimburse Buyer for the amount of thedeductible. Notwithstanding anything to the contrary, Buyer shall have no liability or responsibility for (a) any pre-existing conditionsaffecting the Property, except to the extent that the same are exacerbated by the actions of Buyer, or (b) injury or damage to persons orproperty caused by the negligence or willful misconduct of Seller.\n5.3.2Disposal of Waste and Other Materials. Without limitation on Buyer\u2019s obligations under Section 5.2 (DueDiligence Requirements) (including the obligation to obtain Seller\u2019s consent for physical testing or sampling), which will continue aftertermination of this Agreement to apply to Buyer\u2019s activities under this Section 5.3.2 (Disposal of Waste and Other Materials), Buyer shallpromptly dispose of (or cause to be disposed of) at its sole cost in accordance with all applicable Laws any waste, samples, trash, debrisor other physical materials generated at (or near) or removed from the Property by Buyer Related Parties in connection with the DueDiligence Investigations.\n5.3.3Liens. Buyer may not (and shall ensure that no Buyer Related Party will) cause, suffer, allow or permit tobe recorded or enforced against all or any portion of the Property (at any time prior to Closing) any mechanics\u2019, materialmen\u2019s,contractors\u2019 or subcontractors\u2019 liens filed by or on behalf of any Buyer Related Party. If any such liens are recorded against all or anyportion of the Property, Buyer shall (at its sole cost and expense) cause such liens to be removed from title within five (5) Business Daysafter Buyer acquires knowledge of the same (and in any event prior to the foreclosure thereof).", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3417, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "e1bf0521-4846-4c47-b90d-26e2c0ac89eb": {"__data__": {"id_": "e1bf0521-4846-4c47-b90d-26e2c0ac89eb", "embedding": null, "metadata": {"page_label": "294", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d719322d-3355-47d1-a05b-86abdc74bfa1", "node_type": "4", "metadata": {"page_label": "294", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "78126645e4857bcfd51f9770458641952946ed5cbb8f670804d407925e59743b", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 16\n5.3.4Documents Upon Termination. If this Agreement terminates (other than by reason of Seller\u2019s default), then:(A) Buyer shall promptly return or destroy all documents and other materials furnished by Seller hereunder and all copies thereof; and(B) to the extent requested in writing by Seller, Buyer shall promptly deliver to Seller complete copies of the final (or if not finalized,most recent) versions of any written reports relating to the Property prepared for or on behalf of Buyer by any third party, as well as allmeeting notes, reports, approvals, and other documentation obtained by Buyer during the Development Approval Period but Buyer willbe permitted to redact any personal, privileged, confidential, or proprietary information, such as projections. Seller agrees to reimburseBuyer for its out of pocket costs for all third party reports requested in writing by and delivered to Seller.\n5.4 Due Diligence Termination Right. At any time before the expiration of the Due Diligence Period, Buyer may, forany reason or no reason, in Buyer\u2019s sole and absolute discretion, either (A) give written notice to Seller and Escrow Agent electing toterminate this Agreement (a \u201cDDP Termination Notice\u201d) or (B) give written notice to Seller and Escrow Agent electing to waive its rightto terminate under this Section 5.4 (a \u201cDDP Continuation Notice\u201d). If prior to such time, Buyer does not give Seller either such notice,then Buyer will be deemed to have given a DDP Continuation Notice immediately prior to the expiration of the Due Diligence Period.Notwithstanding anything set forth in this Agreement to the contrary, upon the delivery of a DDP Termination Notice before theexpiration of the Due Diligence Period, this Agreement will terminate and the Deposit will be promptly returned to Buyer. If Buyerdelivers or is deemed to deliver a DDP Continuation Notice to Seller prior to the expiration of the Due Diligence Period, then Buyer willhave no further right to terminate this Agreement pursuant to this Section 5.4.\n6. Development Approvals. Within sixty (60) days after the Due Diligence Expiration Date, Buyer shall, at its sole cost andexpense, apply for and diligently pursue, using good faith and commercially reasonable efforts, the Development Approvals, and shallhave until the Development Approvals Expiration Date to obtain such Development Approvals. Buyer\u2019s pursuit of the DevelopmentApprovals shall be at its sole cost and expense and at no expense to Seller whatsoever. In the event that Seller determines, in its sole butreasonable discretion, that Buyer has failed to timely apply for or is not diligently pursuing, using good faith and commerciallyreasonable efforts, the Development Approvals, Seller may deliver written notice to Buyer of such breach that includes curative actionsthat Buyer is required to take (\u201cDiligence Cure Notice\u201d), and Buyer shall have thirty (30) days from receipt of the Diligence Cure Noticeto cure such breach to the reasonable satisfaction of Seller. In the event that, in the reasonable discretion of Seller, Buyer has failed tocure such breach within the foregoing 30-day cure period, Seller may elect to terminate this Agreement by delivering written notice toBuyer and Escrow Agent, in which case, this Agreement will immediately terminate and the Deposit will be promptly delivered to andretained by Seller as full compensation and liquidated damages as set forth in Section 11.2 (Breach by Buyer). For the avoidance ofdoubt, the 30-day cure period set forth in this Section 6 shall constitute the same, and shall not be in addition to, the 30-day cure periodprovided for in Section 11.2.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3658, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "f01e9ec9-1f69-47eb-b9cf-c5e3d0fe0ecf": {"__data__": {"id_": "f01e9ec9-1f69-47eb-b9cf-c5e3d0fe0ecf", "embedding": null, "metadata": {"page_label": "295", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "c9b023dc-f5e0-4cce-be51-fcd9b9c53f81", "node_type": "4", "metadata": {"page_label": "295", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "5d7b17c1bbf6bfb20bd8298ac2ca1bb28c0718330ee61dbe71cd2cabee1b8047", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 17\nIf, prior to the Development Approvals Expiration Date, Buyer receives (i) written correspondence from the applicable Authoritiesdenying the Development Approvals (as defined below) or (ii) written correspondence from Tracy Slavens, Esq. of LSN Law, P.A.(\u201cLSN\u201d) or any successor partner from LSN concluding that Buyer is unlikely to obtain the Development Approvals prior to theDevelopment Approvals Expiration Date and setting forth in sufficient detail the reasons supporting such conclusion (such writtencorrespondence in clauses (i) and (ii) above shall hereinafter be referred to as the \u201cDenial Correspondence\u201d), then Buyer shall promptlyprovide Seller with a copy of such Denial Correspondence from the Authorities or LSN (as applicable), and may either (A) give writtennotice to Seller electing to terminate this Agreement (a \u201cDAP Termination Notice\u201d) or (B) give written notice to Seller electing to waiveits right to terminate under this Section 6 (a \u201cDAP Continuation Notice\u201d). If by the Development Approvals Expiration Date, Buyerdoes not give Seller either a DAP Termination Notice or DAP Continuation Notice, then Buyer will be deemed to have given a DAPContinuation Notice immediately prior to the expiration of the Development Approvals Period. Upon the delivery of a DAP TerminationNotice, this Agreement will terminate and the Deposit will be promptly returned to Buyer. If Buyer delivers or is deemed to deliver aDAP Continuation Notice to Seller prior to the expiration of the Development Approvals Period, then Buyer will have no further right toterminate this Agreement pursuant to this Section 6.\nBuyer shall keep Seller reasonably informed of the status of the Development Approvals throughout the Development Approvals Periodby promptly responding to periodic inquiries from Seller and providing Seller with quarterly status reports in writing setting forth insufficient detail the Buyer\u2019s progress in pursuing the Development Approvals.\n\u201cDevelopment Approvals\u201d means the following non-appealable approvals from the Subject County, the Subject State, and/or any otherapplicable local, state, federal or other governmental authorities (each individually, an \u201cAuthority\u201d, and collectively, the \u201cAuthorities\u201d):\n(A) Approval of a land use classification of the Property allowing for either (i) an industrial use project or (ii) amixed industrial and multi-family use project (the \u201cProposed Use\u201d);\n(B) Approval of a rezoning of the Property allowing for the Proposed Use;\n(C) Approval of a site plan containing the same use and density as shown in either one of the site plan layoutsattached hereto as Exhibits I-1 (\u201cSite Plan 1\u201d) and I-2 (\u201cSite Plan 2\u201d). Buyer shall submit a site plan to the Subject County for approvalthat contains the same use and density in either Site Plan 1 or Site Plan 2 (the \u201cSubmitted Site Plan\u201d), and the Submitted Site Plan shallnot be materially modified except as (and only to the extent) required by the Subject County; provided however, that any non-materialmodification shall be ministerial in nature only and shall not modify the use and density of the Submitted Site Plan. The Submitted SitePlan that is ultimately approved by the Subject County (the \u201cApproved Site Plan\u201d) shall be deemed as being satisfactory for purposes ofthis Agreement provided that the Approved Site Plan does not result in the density being reduced by more than five percent", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3413, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "549f8abf-9588-44da-a453-1cefb70c9e29": {"__data__": {"id_": "549f8abf-9588-44da-a453-1cefb70c9e29", "embedding": null, "metadata": {"page_label": "296", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "095d59f6-507e-4197-a7bf-1463e6c83f43", "node_type": "4", "metadata": {"page_label": "296", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "0ed08b13f3911bc9b7c0392bcd7b4be32d6701b38b5988aa8bdae525c9cc1ce1", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 18\n(5%) relative to the density in the Submitted Site Plan (the \u201cDensity Threshold\u201d). In the event the Approved Site Plan reduces thedensity of the Submitted Site Plan by more than five percent (5%) (i.e., more than the Density Threshold), then Buyer and Seller willwork in good faith to mutually agree to a fair Purchase Price adjustment, with Buyer having the right to terminate this Agreement if suchPurchase Price adjustment cannot be mutually agreed to. If Buyer waives its right to terminate this Agreement pursuant to the precedingsentence, then Buyer shall proceed to Closing without any reduction in the Purchase Price;\n(D) Approval of a tentative plat of the Property;\n(E) Approval of a Community Development District for the Property by the Subject County;\n(F)  Approval of environmental and/or wetland permits from one or more of the following Authorities: (i)Miami-Dade County Department of Environmental Resource Management; (ii) Florida Department of Environmental Protection; (iii)United States Army Corps of Engineers; and/or (iv) South Florida Water Management District.\nNotwithstanding anything to the contrary contained herein, to the extent the applicable Authorities require, as a condition to theDevelopment Approvals, that Buyer construct onsite or offsite improvements not included in the Submitted Site Plan (\u201cOffsiteImprovement Condition\u201d), Buyer shall not be required to accept such Offsite Improvement Condition if and only if the offsiteimprovements would cost more than $500,000.00 to construct. In the event the applicable Authorities impose an Offsite ImprovementCondition that would cost more than $500,000.00 to construct, Buyer shall promptly notify Seller and provide Seller with writtenevidence thereof, and Seller may elect, in its sole discretion, whether to join in with Buyer to fulfill such Offsite Improvement Conditionby contributing any funds in excess of the $500,000.00 that Buyer would be obligated to spend. Such contribution by Seller may be in theform of a credit against the Purchase Price. In the event that Seller elects to join in and make such contribution, Buyer shall have no rightto deliver a DAP Termination Notice as a result of such Offsite Improvement Condition.\nSeller (at no cost to Seller) agrees to cooperate with and to join in any and all applications and consents that may be required to be filedby Buyer in connection with this Agreement. Notwithstanding the foregoing, under no circumstances will Seller be obligated to incur anyexpense hereunder. Seller shall, promptly upon written request from Buyer, execute all agreements, agency forms or other documents thatmay be necessary for such Development Approvals. For purposes of this Agreement, Seller further agrees to execute and join in on anyapplications or other documents requiring Seller\u2019s joinder to the extent required for the Development Approvals within five (5) BusinessDays from written request for same by Buyer, time being of the essence. For each day beyond the five (5) Business Day period in thepreceding sentence that Seller delays in joining in on any applications or other documents requiring Seller\u2019s joinder to the extent requiredfor the Development Approvals, an additional day will be added to the Development Approvals Period.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3280, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "8f2e57ec-af4f-4712-b7c2-0da4e6c4cd66": {"__data__": {"id_": "8f2e57ec-af4f-4712-b7c2-0da4e6c4cd66", "embedding": null, "metadata": {"page_label": "297", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "6b692361-627d-433e-8535-7cc61d67ff4b", "node_type": "4", "metadata": {"page_label": "297", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d80db8422c494ae43f3fce459eb9584a2a6266d931443eb29e6fa63d1b40faa6", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 19\n7. Closing Procedure. The Closing will occur on the Closing Date.\n7.1 Escrow. The Closing will be accomplished through escrow (\u201cEscrow\u201d).\n7.2 Closing Deliveries. The Parties shall deliver the following:\n7.2.1Seller Deliveries. On or prior to the Closing Document Delivery Deadline, Seller shall deliver (or cause tobe delivered) to Escrow Agent the following:\n(A) a duly executed and acknowledged original special warranty deed (\u201cDeed\u201d) in the form ofExhibit B, so as to convey to Buyer good and marketable fee simple title to the Land and Improvements free and clear of all liens,encumbrances and other conditions of title other than the Permitted Exceptions;\n(B) a copy of a duly executed bill of sale, assignment and assumption agreement as to the PersonalProperty (\u201cBill of Sale, Assignment and Assumption\u201d) in the form of Exhibit C;\n(C) a copy of a duly executed certificate of Seller (\u201cSeller Closing Certificate\u201d) in the form ofExhibit D updating the representations and warranties of Seller contained in this Agreement to the Closing Date and noting any materialchanges thereto;\n(D) a copy of a duly executed federal certificate of \u201cnon-foreign\u201d status (\u201cCertificate of Non-ForeignStatus\u201d) in the form of Exhibit E;\n(E) to the extent applicable, duly executed notices to each of the vendors under any Service Contract(\u201cVendor Notices\u201d), such Vendor Notices to be in such form(s) as are reasonably satisfactory to Buyer and Seller, which notices Buyershall deliver to each such vendor (and Buyer shall provide proof of delivery thereof to Seller promptly following the Closing);\n(F) a title certificate (\u201cSeller Title Certificate\u201d) in the form of Exhibit F to facilitate the issuance of anytitle insurance sought by Buyer in connection with the Contemplated Transactions, but Seller is not obligated to provide any additionalcertificate, affidavit or indemnity in connection with such title insurance (subject to Seller\u2019s obligations under Section 4.3 (MandatoryTitle Cure Obligations) or any written agreement by Seller in connection with a Title Cure);\n(G) to the extent applicable, evidence reasonably satisfactory to Buyer and Title Company respectingthe due organization of Seller and the due authorization and execution by Seller of this Agreement and the documents required to bedelivered hereunder by Seller;\n(H) a closing statement (\u201cClosing Statement\u201d) reflecting the Purchase Price, and the adjustments andprorations required hereunder and the allocation of income and expenses required hereby; and", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2524, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "07646af0-5105-4997-9f3f-466a058d8824": {"__data__": {"id_": "07646af0-5105-4997-9f3f-466a058d8824", "embedding": null, "metadata": {"page_label": "298", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "6f18e05f-57e6-43d8-9b6f-6f253779b606", "node_type": "4", "metadata": {"page_label": "298", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "a19c9110ea1974a20355c6fd96b88d97daa58c333e687188e0c12bc7f500cee8", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 20\n(I) to the extent they do not constitute Reserved Seller Assets and are then known by Seller to be in thepossession or reasonable control of Seller and have not theretofore been delivered to Buyer, all keys, garage transponders, and otheraccess control devices, codes and passwords (if any) for the Improvements.\n(J) The Property will be delivered to Buyer free and clear of any tenants or parties in possession.\n7.2.2Buyer Deliveries. On or prior to the Closing Document Delivery Deadline (except as to the ClosingPayment, which Buyer shall deliver no later than the Closing Wire Deadline on the Closing Date), Buyer shall deliver to Escrow Agentthe following:\n(A) the Closing Payment by wire transfer (via Fedwire) of immediately available funds;\n(B) a copy of a duly executed Bill of Sale, Assignment and Assumption;\n(C) a copy of a duly executed certificate of Buyer (\u201cBuyer Closing Certificate\u201d) in the form ofExhibit G updating the representations and warranties of Buyer contained in this Agreement to the Closing Date and noting any materialchanges thereto;\n(D) a Florida Conveyance Affidavit with respect to the Buyer in the form attached hereto as Exhibit H,executed by the applicable Affiliate of the Buyer;\n(E) to the extent applicable, duly executed Vendor Notices;\n(F) the Closing Statement reflecting the Purchase Price, and the adjustments and prorations requiredhereunder and the allocation of income and expenses required hereby; and\n(G) to the extent applicable, evidence reasonably satisfactory to Seller and Title Company respecting thedue formation of Buyer and the due authorization and execution by Buyer of this Agreement and the documents required to be deliveredhereunder.\n7.3 Closing Costs.\n7.3.1Seller Closing Costs. Seller shall pay or cause to be paid (A) the cost of the documentary stamp taxes andsurtax payable in connection with the Deed, (B) fifty percent (50%) of all escrow fees (not to exceed $1,500.00), (C) its own legal fees,and (D) any brokerage fees in connection with Section 12 hereof.\n7.3.2Buyer Closing Costs. Buyer shall pay or cause to be paid (A) the amount of all costs for title examinationsand title insurance premiums for all title insurance policies obtained by Buyer and for all endorsements thereto, (B) the cost for theSurvey, (C) the recording costs of the Deed, (C) the cost of all documentary stamp taxes, intangible taxes, and", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2397, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "c3688982-2b2a-49a4-a62c-2ba4af790ff2": {"__data__": {"id_": "c3688982-2b2a-49a4-a62c-2ba4af790ff2", "embedding": null, "metadata": {"page_label": "299", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "4fccc9c6-6ea2-4aaa-8cc0-6eb37d410840", "node_type": "4", "metadata": {"page_label": "299", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "90c6b326c4070c92b82d7625437f939cd54d84bbc59c8c22ddee1a03f4cda2a4", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 21\nrecording costs or other fees payable in connection with any promissory notes, mortgages, or financing statements, (D) the cost of anyappraisal or other third party reports, (E) all fees, costs or expenses in connection with the Due Diligence Investigations, (F) its own legalfees, and (G) fifty percent (50%) of all escrow fees (not to exceed $1,500.00).\n7.3.3Other Closing Costs. Seller shall pay sale brokerage fees in accordance with Section 12 (Brokers) and shallallocate any other closing costs in accordance with local custom for comparable commercial real estate transactions. Except as otherwiseexpressly provided in this Agreement, each Party shall pay the fees of its own attorneys, accountants and other professionals.\n7.4 Prorations and Other Closing Adjustments. The following prorations and other Closing adjustments will be madebetween Seller and Buyer as of the Closing Date. Except as otherwise provided, such prorations will be made on the basis of the actualnumber of days elapsed over the applicable period, with Buyer being deemed to be the owner of the Property during the entire day on theClosing Date and being entitled to receive all operating income of the Property, and being obligated to pay all operating expenses of theProperty, with respect to the Closing Date. The net amount of such prorations and adjustments under this Section 7.4 will be added to (ifsuch net amount is in Seller\u2019s favor) or deducted from (if such net amount is in Buyer\u2019s favor) the Purchase Price payable at Closing.\n7.4.1Property Taxes. All real estate and personal property taxes and assessments with respect to the Property forthe \u201cCurrent Tax Year\u201d (i.e., the tax year in which the Closing occurs) regardless of whether payable before, during or after the CurrentTax Year. Seller will be responsible for the payment of any real estate and personal property taxes and assessments with respect to theProperty for any period ending prior to the Closing (including any tax year ending prior to the Current Tax Year) and Buyer will beresponsible for any period commencing on or after the Closing Date. In no event will Seller be charged with or be responsible for anyincrease in the taxes on the Property resulting from the Contemplated Sale, any change in use of the Property on or after the ClosingDate, or from any improvements made or leases entered into on or after the Closing Date. If any assessments on the Property are payablein installments, then the installment payable during the current period (in which the Closing occurs) will be prorated (with Buyerassuming the obligation to pay any subsequent installments).\n7.4.2Utilities. As of the Closing Date, Buyer shall transfer all utilities at the Property to its name or establishnew utility accounts, as applicable, and where necessary, post deposits with the utility companies. Seller shall use commerciallyreasonable efforts to cause all utility meters to be read as of the Closing Date. Seller will be entitled to recover any Seller deposits held byany utility company as of the Closing Date and Seller will not be entitled to any credit from Buyer for the same except to the extent thatall or any portion of such deposit is transferred to Buyer in connection with the Closing. All charges for utilities will be prorated outsideof the Escrow within 60 days after the Closing Date.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3357, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "0e4085ff-8bd7-469b-85cc-1234f6b9c62f": {"__data__": {"id_": "0e4085ff-8bd7-469b-85cc-1234f6b9c62f", "embedding": null, "metadata": {"page_label": "300", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "f3fcc73a-383d-49e3-ab38-f9e40e43a815", "node_type": "4", "metadata": {"page_label": "300", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "76531d095bfba0048f3c835eca81aa8e47e0d2fd6a04bea9b3a549dae8ccd055", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 22\n7.4.3Other Operating Income and Expense. Any other items of operating income or operating expense that arecustomarily apportioned between the parties in real estate closings of comparable commercial properties in the metropolitan area wherethe Property is located, as applicable; however, there will be no prorations for debt service or insurance premiums (because Buyer is notacquiring or assuming Seller\u2019s financing or insurance), subject to Section 8.\n7.4.4General Provisions.\n7.4.4.1The prorations and payments to be made on the Closing Date will be set forth in the ClosingStatement. Buyer and Seller shall use commercially reasonable efforts to cause Escrow Agent to deliver to Buyer and Seller an initialproposed draft of the Closing Statement for Buyer\u2019s and Seller\u2019s review and approval prior to the Closing Date.\n7.4.4.2If any prorations made under this Section 7.4 prove to be incorrect for any reason, then any Partywill be entitled to an adjustment to correct the same. Any item that cannot be finally prorated because of the unavailability of informationwill be tentatively prorated on the basis of the best data then available and re-prorated when the information is available.\n7.4.4.3Except as otherwise provided in this Section 7.4, all re-prorations and other post-Closing payments,prorations and adjustments contemplated by this Section 7.4 must be completed no later than (and the corresponding obligations underthis Section 7.4 will continue until) the date that is one (1) year after the Closing Date (subject to extension solely as necessary due to theunavailability of final information, but in no event to exceed 18 months after the Closing Date).\n7.4.4.4As soon as reasonably practicable after the end of the calendar year in which the Closing occurs andat such other times as a Party may reasonably request, the other Party shall deliver such documentation in the possession or reasonablecontrol of such other Party as may be reasonably requested to substantiate the prorations under this Section 7.4, including any year-endreconciliations.\n8. Condemnation of Property. If, after the Effective Date but prior to the Closing, Seller acquires knowledge that any portionof the Property is (or is threatened in writing to be) taken pursuant to eminent domain proceedings, then Seller shall give Buyer promptnotice of the same (a \u201cCondemnation Notice\u201d) prior to Closing, but will have no obligation to replace (or cause to be replaced) any suchtaken property.\n8.1    Closing Credit. Provided this Agreement has not been terminated pursuant to Section 8.2 below, Seller shall, atClosing, provide Buyer with a credit against the Purchase Price equal to the amount of \u201cC/C Proceeds\u201d (i.e., all condemnation proceedson account of such condemnation) actually received by Seller prior to Closing except to the extent of any \u201cPre-Closing C/C Proceeds\u201d(i.e., C/C Proceeds attributable to lost rents or other items applicable to any period prior to the Closing). If as of the Closing, Seller hasnot received all C/C Proceeds", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3045, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "0d581392-4c52-4cc7-aa6c-0a787141cb5b": {"__data__": {"id_": "0d581392-4c52-4cc7-aa6c-0a787141cb5b", "embedding": null, "metadata": {"page_label": "301", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a1b8c2f0-7a25-4de1-8df9-83e60f20d873", "node_type": "4", "metadata": {"page_label": "301", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d80bca1bfb508198302424b73764e0ccc38ffb974972e8894da1bd6841326d71", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 23\nthat may be payable to Seller on account of such condemnation, then Seller shall, upon the Closing, if any requisite consents toassignment are obtained, assign to Buyer (under the Bill of Sale, Assignment and Assumption) any right, title, and interest of Seller tosuch C/C Proceeds, as applicable (except to the extent of any Pre-Closing C/C Proceeds), without any credit or reduction in the PurchasePrice except as set forth in the immediately following sentence; and if any requisite consent to such assignment is not obtained, thenSeller shall turn over such C/C Proceeds as and when received in accordance with clause (B) of Section 8.3 (Cooperation).\n8.2    Material Condemnation. Buyer may, at its option, terminate this Agreement by written notice to Seller, given on orbefore ten (10) Business Days after Buyer\u2019s receipt of the Condemnation Notice (but prior to the Closing) (the \u201cC/C Election Period\u201d),if (A) the condemnation award to the Property exceeds the Condemnation Monetary Materiality Threshold, or (B) the condemnation tothe Property (1) materially and adversely affects access to or parking at the Property, (2) results in the Property violating any Laws orfailing to comply, in any material respect, with zoning or any recorded covenants, conditions or restrictions affecting the Property, or (3)prevents Buyer from developing the Property pursuant to Site Plan 1 or Site Plan 2, or, if the Buyer has submitted a site plan application,the Submitted Site Plan. In the event of such termination, the Deposit will be promptly returned to Buyer. If Buyer has the right toterminate this Agreement pursuant to this Section 8.2, but fails to do so prior to the expiration of the notice period set forth above, thenBuyer will be deemed to have forfeited such termination right and Section 8.1 (Closing Credit) will apply.\n8.3     Casualty. In the event that, during the Escrow Period, any portion of the Property is damaged or destroyed as a resultof a casualty and the cost of repair or restoration of such casualty exceeds the Casualty Monetary Materiality Threshold (a \u201cMaterialCasualty\u201d), and, after Closing, such Material Casualty results in the imposition of any fines as a result of code violations against theProperty due to such Material Casualty, then Seller agrees to indemnify Seller for the cost of any fines resulting from such codeviolations; provided however, that Seller may seek a reduction or mitigation of any such fines prior to Closing or after Closing, andBuyer shall cooperate with Seller with respect to such reduction or mitigation.\n8.4    Cooperation. The Parties shall cooperate with one another in connection with any condemnation of all or a portion ofthe Property. Without limitation on the foregoing, Seller shall use commercially reasonable efforts to: (A) promptly after acquiringknowledge of such condemnation and to the extent reasonably practicable, prior to Closing, (1) cause the C/C Proceeds (other than Pre-Closing CC Proceeds) payable to Seller, but not received prior to Closing, to be assigned to Buyer as of the Closing, and, withoutlimitation on the foregoing, obtain any required consent to such assignment, and (2) in the case of a condemnation, cause Buyer, at orpromptly after the Closing, to be substituted for Seller in any condemnation proceeding to the extent involving the Property.\n9. Representations, Warranties and Covenants.\n9.1 Representations and Warranties of Seller. Seller represents and warrants to Buyer that:", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3496, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "f2103fa3-88b5-4ea9-be9d-3dfe3b262e85": {"__data__": {"id_": "f2103fa3-88b5-4ea9-be9d-3dfe3b262e85", "embedding": null, "metadata": {"page_label": "302", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "0c43f743-aed6-4ce0-935c-9464351b1d55", "node_type": "4", "metadata": {"page_label": "302", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "1069b06dd99592dcf6a03c43146dd85145cb610d113c24529c32eeb4180ee3ea", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 24\n9.1.1Organization, Authority and Enforceability. This Agreement and all agreements, instruments anddocuments herein provided to be executed or to be caused to be executed by Seller are, and on the Closing Date will be, duly authorized,executed and delivered by, and are binding upon, Seller. Seller is a Florida corporation, duly organized and validly existing and in goodstanding under the Laws of Florida, and is duly authorized and qualified to do all things required of it under this Agreement. Seller hasthe capacity and authority to enter into this Agreement and consummate the transactions herein provided without the consent or joinder ofany other Party (except as otherwise may be set forth in this Agreement). This Agreement is, and each other document to be executed anddelivered by Seller hereunder will be, the valid and binding obligation of Seller, enforceable against Seller in accordance with its terms.\n9.1.2No Conflict. To Seller\u2019s knowledge, except as otherwise set forth in this Agreement, neither this Agreementnor any agreement, document or instrument executed or to be executed in connection with the same, nor anything provided in orcontemplated by this Agreement or any such other agreement, document or instrument, does now or will hereafter materially breach,violate, invalidate, cancel, make inoperative or interfere with, or result in the acceleration or maturity of, any agreement, document,instrument, right or interest, or applicable Laws affecting or relating to Seller or the Property.\n9.1.3No Bankruptcy or Dissolution. No Bankruptcy/Dissolution Event has occurred by, against or with respectto Seller.\n9.1.4Leases. There are no leases of space in the Property or other agreements to occupy all or any portion of theProperty that will be in force after the Closing.\n9.1.5Environmental Matters. The Due Diligence Materials include the most recent third party final report inSeller\u2019s possession or reasonable control relating to Hazardous Materials at or near the Property (\u201cEnvironmental Report\u201d).\n9.1.6Litigation Proceedings. There is no active litigation proceeding affecting the Property. Seller shall notifyBuyer in writing of any litigation proceeding instituted against the Property or to Seller\u2019s knowledge threatened in writing against theProperty before Closing.\n9.1.7OFAC. Seller is not a person or entity described by Section 1 of the Executive Order (No. 13,224) BlockingProperty and Prohibiting Transactions with Persons Who Commit, Threaten to Commit, or Support Terrorism, 66 Fed. Reg. 49,079(September 25, 2001), and to Seller\u2019s knowledge does not engage in any dealings or transactions, and is not otherwise associated, withany of those persons or entities.\n9.1.8Violation Notices. To Seller\u2019s Knowledge, Seller has not received any written notice from anyGovernmental Authority (a) with respect to the violation of any Legal Requirement regulating the use of the Property that has not beencured by Seller, or (b) with respect to the presence of Hazardous Materials at or on the Property or of the obligation", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3068, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "2d5e1b90-1d5c-4435-aac1-3214493fb5db": {"__data__": {"id_": "2d5e1b90-1d5c-4435-aac1-3214493fb5db", "embedding": null, "metadata": {"page_label": "303", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "daaea50e-88a0-483b-8271-e2b827693ac5", "node_type": "4", "metadata": {"page_label": "303", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "346f0bea25f2bef8e7b09cea7360a4d3a2c41db1e81b3876b19c8a64da06baf4", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 25\nunder the applicable Legal Requirements to remedy any \u201crecognized environmental condition\u201d at the Property.\n9.1.9Non-Foreign Person. Seller is not a \u201cforeign person\u201d as that term is defined in Section 1445 of the InternalRevenue Code of 1986, as amended and the regulations promulgated pursuant thereto.\n9.1.10Tax Appeals. There are no ongoing proceedings for the reduction of the assessed valuation of the Propertyfor any tax year.\n9.2 Representations and Warranties of Buyer. Buyer represents and warrants to Seller as follows:\n9.2.1Organization, Authority and Enforceability. This Agreement and all agreements, instruments anddocuments herein provided to be executed or to be caused to be executed by Buyer are, and on the Closing Date will be, duly authorized,executed and delivered by, and are binding upon, Buyer. Buyer is a Florida limited liability company, duly organized and validly existingand in good standing under the Laws of such state, and is duly authorized and qualified to do all things required of it under thisAgreement. Buyer has the capacity and authority to enter into this Agreement and consummate the Contemplated Transactions hereinprovided without the consent or joinder of any other Party (except as otherwise may be set forth in this Agreement). This Agreement is,and each other document to be executed and delivered by Buyer hereunder will be, the valid and binding obligation of Buyer, enforceableagainst Buyer in accordance with its terms.\n9.2.2No Conflict. To Buyer\u2019s knowledge, except as otherwise set forth in this Agreement, neither this Agreementnor any agreement, document or instrument executed or to be executed in connection with the same, nor anything provided in orcontemplated by this Agreement or any such other agreement, document or instrument, does now or will hereafter breach, violate,invalidate, cancel, make inoperative or interfere with, or result in the acceleration or maturity of, any agreement, document, instrument,right or interest, or applicable Laws affecting or relating to Buyer.\n9.2.3No Bankruptcy or Dissolution. No Bankruptcy/Dissolution Event has occurred by, against or with respectto Buyer.\n9.2.4Foreign Principal. Buyer is not a \u201cForeign Principal\u201d as defined in Florida Statutes Section 692.201, and assuch is in compliance with the requirements set forth in Sections 692.202 \u2013 692.205, Florida Statutes (the \u201cForeign Ownership Act\u201d).Buyer is not prohibited from acquiring the Property by the provisions of the Foreign Ownership Act.\n9.3 Interim Covenants of Seller. During the Escrow Period:\n9.3.1Insurance. During the Escrow Period, Seller shall maintain its current insurance relating to the Property onsubstantially similar terms (except to the extent they are no longer available at commercially reasonable rates).", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2799, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "2586947f-7033-4d9f-8837-55429b38fee0": {"__data__": {"id_": "2586947f-7033-4d9f-8837-55429b38fee0", "embedding": null, "metadata": {"page_label": "304", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a51a4fd7-2168-4613-8c31-0c37aee10b26", "node_type": "4", "metadata": {"page_label": "304", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "2b1486f696cf193a48cd9e0e5977b737b069aa5931021b7fbffcb44d48a1664c", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 26\n9.3.2Termination of Objectionable Service Contracts. Buyer has a right to object to any Service Contracts bydelivering to Seller a notice of objection to any such Service Contract (an \u201cObjectionable Service Contract\u201d) no later than fifteen (15)days prior to the Due Diligence Expiration Date; provided however, Buyer may not object to any Emergency Contract or any contractthat has been approved or deemed approved by Buyer under this Section 9.3.2. Seller shall notify Buyer within five (5) days of receipt ofsuch written notice whether Seller intends to terminate such Objectionable Service Contract to the extent such contract is terminable as ofor before the Closing. If Seller gives Buyer written notice that it will terminate an Objectionable Service Contract, then Seller shall usecommercially reasonable efforts to cause such Objectionable Service Contract to be terminated effective as of or before the Closing to theextent such contract is terminable as of or before the Closing. If such termination occurs, then such Service Contract will be deemed to bean Excluded Service Contract as of the Closing Date. However, if despite such commercially reasonable efforts, the termination of anyObjectionable Service Contract is not made effective as of or before the Closing, or if Seller gives Buyer written notice that it will notterminate an Objectionable Service Contract, then Seller shall have the option to require Buyer to close on the Contemplated Transactionsand assume such Objectionable Service Contract at Closing, together with all Service Contracts, pursuant to the Bill of Sale, Assignmentand Assumption; provided however, that in such event, Seller shall give the Buyer a credit at Closing equal to the balance of the amountthat would be due under such Objectionable Service Contract through such contract\u2019s expiration date; and further provided, that in suchevent, if Seller does not elect to give Buyer such credit, then Buyer shall have the right to terminate this Agreement and receive the returnof its Deposit, in which event this Agreement shall become null and void and be of no further force or effect (other than any obligationsintended to survive the Closing or earlier termination of this Agreement). If Buyer fails to notify Seller in writing of Buyer\u2019s objection toany Service Contract within the time period set forth in this Section 9.3.2, then Buyer will be deemed to have waived the right to objectunder this Section 9.3.2 and (subject to any approval rights in this Agreement with respect to Service Contracts entered into after theEffective Date) shall assume the same at the Closing pursuant to the Bill of Sale, Assignment and Assumption.\n9.3.2.1Non-Assignable Service Contract. If a Service Contract (whether by reason of the terms of suchService Contract or applicable Law) may not be assigned to and assumed by Buyer, such Service Contract will be deemed to constitute a\u201cNon-Assignable Service Contract\u201d and will thereupon become an Excluded Service Contract.\n9.3.3Leases. There are no Leases affecting the Property and, after the Due Diligence Expiration Date, Seller maynot enter into any Leases.\n9.3.4Encumbrances. After the Due Diligence Expiration Date, Seller may not encumber the Property with anymortgages, deeds of trust or other encumbrances or any agreements which would survive Closing, except as expressly permitted in thisAgreement, without Buyer\u2019s written consent. Seller will not be in violation of this Section 9.3.4 by reason of Seller Mechanics\u2019 Liens thatare addressed as required under Section 4.3 (Mandatory Title Cure Obligations).", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3607, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "6c4dad7f-d1fa-46c5-a5e4-84bb13efef90": {"__data__": {"id_": "6c4dad7f-d1fa-46c5-a5e4-84bb13efef90", "embedding": null, "metadata": {"page_label": "305", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "3ad1bd6b-0db6-4c4a-b306-6943679b572a", "node_type": "4", "metadata": {"page_label": "305", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d8b6eadac374a893db55f890f614b1bd141ff402cc416c3baf4c86ed2554f6e1", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 27\n9.3.5Real Estate Tax Appeal. Seller may initiate, settle, compromise, withdraw or terminate any real estate taxappeal or proceeding affecting the Property.\n9.4 Interim Covenants of Buyer.\n9.4.1Prior to the Due Diligence Expiration Date, Buyer shall submit and present a preliminary land useclassification and rezoning application (or applications), together with one of either Site Plan 1 or Site Plan 2, in a pre-applicationmeeting with the Subject County and shall request formal input from the Subject County regarding which of Site Plan 1 or Site Plan 2would be approved more expeditiously by the Subject County; provided however, Buyer shall not be obligated by the recommendation ofthe Subject County and shall have the right to make changes to either of Site Plan 1 or Site Plan 2, in Buyer\u2019s reasonable discretion,provided that such changes (i) are made prior to the date of the Site Plan Submission (as defined below) and (ii) do not change the useand density in Site Plan 1 or Site Plan 2.\n9.4.2Within sixty (60) days after the Due Diligence Expiration Date, Buyer shall, at its sole cost and expense,and at no expense to Seller whatsoever, apply for and diligently pursue, using good faith and commercially reasonable efforts, theDevelopment Approvals, which shall include submission of an application or applications with the Subject County for land useclassification and rezoning of the Property (collectively, the \u201cLand Use and Rezoning Application\u201d), and simultaneously with thesubmission of and as part of the Land Use and Rezoning Application, submission of a site plan that contains the same use and density ineither Site Plan 1 or Site Plan 2 (the \u201cSite Plan Submission\u201d).\n9.5 Post-Occupancy. In the event that Closing occurs on or prior to [July 15, 2025], Buyer agrees that Seller, in Seller\u2019ssole discretion, may remain in possession of the Property after Closing month-to-month until a date on or before [________, 2025] atterms reasonably agreeable to both parties (the \u201cPost-Occupancy\u201d). The Post-Occupancy shall be at no expense to Seller other than thepayment of monthly base rent mutually agreeable to Seller and Buyer for each month of occupancy and the payment of the operatingexpenses attributable of the portion of the Property occupied by Seller during such period.\n9.6 State Required Notices and Other Disclosures. RADON GAS: Radon is a naturally occurring radioactive gas that,when it has accumulated in a building in sufficient quantities, may present health risks to persons who are exposed to it over time. Levelsof radon that exceed federal and state guidelines have been found in buildings in Florida. Additional information regarding radon andradon testing may be obtained from your county health department.\n10. Disclaimer and Release. As an essential inducement to Seller to enter into this Agreement, and as part of the determinationof the Purchase Price, but subject to Section 10.4 (Limitations) below:", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2956, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "2b28007c-7a41-4c71-bd64-e21a45bfc897": {"__data__": {"id_": "2b28007c-7a41-4c71-bd64-e21a45bfc897", "embedding": null, "metadata": {"page_label": "306", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "ed65248d-9892-42f7-93cd-1d938bfb5496", "node_type": "4", "metadata": {"page_label": "306", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d4943331cdf11878b38f9c57c119b45241e794b04b6cbabc84c42fd761c03d89", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 28\n10.1 Disclaimer.\n10.1.1As-Is, Where-Is. The sale of the Property hereunder is and will be made on an \u201cas is, where is\u201d basis. Otherthan as expressly set forth in this Agreement and in any closing documents, Seller has not made, does not make and specifically negatesand disclaims (and Buyer is relying solely upon the Due Diligence Investigations and is not relying upon) any representations, warranties,assurances, statements or guaranties of any kind or character whatsoever, whether express or implied or arising by operation of law,verbal or written, past, present or future of, as to, concerning or with respect to Seller, the Property or any other matter whatsoever inconnection with this Agreement.\n10.1.2Sophistication of Buyer. Buyer is a sophisticated buyer who is familiar with the ownership and operation ofreal estate projects similar to the Property and Buyer has had adequate opportunity or will have adequate opportunity prior to Closing(Buyer\u2019s delivery of the DDP Continuation Notice will constitute an acknowledgment by Buyer that it has had such an opportunity) tocomplete all physical and financial examinations relating to the acquisition of the Property hereunder it deems necessary, and will acquirethe same solely on the basis of and in reliance upon such examinations and the title insurance protection afforded by the Owner\u2019s Policyand not on any information provided or to be provided by Seller.\n10.1.3Due Diligence Materials. Any third-party information provided or to be provided with respect to theProperty (including the Due Diligence Materials) is solely for Buyer\u2019s convenience and was or will be obtained from a variety of sources.Seller has not made any independent investigation or verification of such information and makes no (and expressly disclaims all)representations as to the accuracy or completeness of such information. Seller will not be liable for any mistakes, omissions,misrepresentation, or failure to investigate the Property, nor will Seller be bound in any manner by any verbal or written statements,representations, appraisals, environmental assessment reports, or other information pertaining to the Property or the operation thereof,furnished by any Seller Related Party.\n10.2 Release. Effective as of the Closing, Buyer, on behalf of itself and all persons or entities claiming by, through orunder Buyer, and their respective successors and assigns (a \u201cBuyer Releasing Party\u201d), waives its right to recover from, and foreverreleases and discharges each Seller Related Party from any and all Claims that any Buyer Releasing Party has or may have as of theClosing arising from or related to any matter or thing related to or in connection with the Property including the Due Diligence Materials,any operational issues, any construction defects, violations of Law, errors or omissions in design or construction, and any environmentalor physical conditions, including the presence of any Hazardous Materials, and no Buyer Releasing Party will look to any Seller RelatedParties in connection with the foregoing for any redress or relief. This release will be given full force and effect according to each of itsexpressed terms and provisions, including those relating to unknown and unsuspected claims, damages and causes of action.\n10.3 Certain Property Disclosures. With respect to all of the matters in this Section 10, including any matters identifiedin any other provisions of this Agreement, Buyer", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3463, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "2e870bac-2657-4459-80cc-316a5f462046": {"__data__": {"id_": "2e870bac-2657-4459-80cc-316a5f462046", "embedding": null, "metadata": {"page_label": "307", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "eea0a212-e7ec-4611-9ccf-ce051dc24377", "node_type": "4", "metadata": {"page_label": "307", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "547eecb13c1fd9b7a5595fab0bad0a52868208412907e4c59495749f6cee1c3f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 29\nshall further evaluate such matters prior to the expiration of the Due Diligence Period in accordance with the provisions of thisAgreement. At Closing, Buyer shall assume all responsibility for such matters and may not seek any payment or other action from Seller(and Seller will have no obligation) with respect to such matters; any disclosure of such matters by others will not be a cause forobjection by Buyer; such matters have already been taken into account in calculation of the Purchase Price; and such matters will not bedeemed to expand in any manner the limited representations and warranties of Seller contained herein.\n10.4 Limitations. However, the provisions of this Section 10 will not release or otherwise limit Buyer\u2019s rights or Seller\u2019sliability under this Agreement and the Closing Documents for the breach of the obligations (including any representation or warranty) ofSeller under this Agreement or any of the Closing Documents executed by Seller (but subject to the limitations provided in Sections 15.1(Limitation of Liability), 15.3 (Survival), and 15.4 (Knowledge) of this Agreement).\n10.5 Continued Effectiveness. This Section 10 will continue to have effect after any termination of this Agreement andthe Closing.\n11. Breach; Disposition of Deposit upon Termination.\n11.1 Breach by Seller. If the Closing does not occur by reason of Seller\u2019s material breach of any of its representationsand warranties, Seller\u2019s breach of its covenants or other obligations set forth in Section 4.3 (Mandatory Title Cure Obligations), 6(Development Approvals), 9.3.3 (Leases), or 9.3.4 (Encumbrances), or Seller\u2019s failure to otherwise consummate the ContemplatedTransactions under this Agreement, and Seller fails to cure such breach within thirty (30) days after receipt of written notice of suchbreach, then Buyer may either (A) terminate this Agreement, in which case Buyer will be entitled to obtain a return of the Deposit, andSeller shall reimburse Buyer for Buyer\u2019s reasonable and actual documented out-of-pocket third-party expenses incurred by Buyer inconnection with the Buyer\u2019s negotiation of this Agreement, the Buyer\u2019s due diligence of the Property, the Buyer\u2019s pursuit of theDevelopment Approvals, the Buyer\u2019s acquisition financing, and Closing \u2013 provided, however, that the maximum amount reimbursable bySeller shall not exceed $1,200,000.00 \u2013 but no other action, for damages or otherwise, will be permitted, or (B) specifically enforce thisAgreement, provided that failure to demand specific performance within 120 days after the Closing Date will be deemed an irrevocableelection to terminate this Agreement under clause (A) above, in which event this Agreement will automatically terminate and clause (A)above will apply. Buyer shall choose one but not both of the foregoing alternative remedies, which will be Buyer\u2019s sole remedy, for anybreach by Seller prior to Closing.\n11.2 Breach by Buyer. If the Closing does not occur by reason of Buyer\u2019s material breach of any of its representationsand warranties, Buyer\u2019s breach of its covenants or other obligations set forth in Section 6 (Development Approvals) or 9.4.2 (InterimCovenants of Buyer), or Buyer\u2019s failure to otherwise consummate the Contemplated Transactions under this Agreement, and Buyer failsto cure such breach within thirty (30) days after receipt of written notice of such breach, then Seller may terminate this Agreement;provided however, that there", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3456, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "bee8040e-1df8-472d-ada5-92c25ef1531e": {"__data__": {"id_": "bee8040e-1df8-472d-ada5-92c25ef1531e", "embedding": null, "metadata": {"page_label": "308", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "615233bf-33d7-4ae4-b72a-c5ae3728f9e6", "node_type": "4", "metadata": {"page_label": "308", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "87ee7a2e556371a069c09666e407b821b8d078343d3fa7e0d3a3e8d567a65745", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 30\nshall be no cure period for Buyer\u2019s failure to deliver the Purchase Price on the Closing Date, and further provided that, the foregoing 30-day cure period (to the extent applicable) shall not trump any shorter cure periods provided for in this Agreement. In such event, theDeposit will be delivered to and retained by Seller as full compensation and liquidated damages under this Agreement for such breach.The Parties recognize that (A) Seller will incur expenses in connection with the Contemplated Transactions and that the Property may beremoved from the market, (B) it is extremely difficult and impracticable to ascertain the extent of detriment to Seller caused by suchbreach and the failure of the consummation of the Contemplated Transactions, and (C) the Deposit represents the Parties\u2019 best currentestimate of such detriment. The retention of the Deposit will be Seller\u2019s sole remedy under this Agreement by reason of such breach;provided, however, that Buyer shall remain liable for any indemnification obligations set forth in this Agreement, and further providedthat nothing contained in this Section 11.2 will impair or otherwise limit any of Seller\u2019s rights to seek damages or indemnification fromBuyer for any other breach by Buyer under this Agreement.\n11.3 Intentionally Omitted.\n11.4 Extension of Closing. The Closing Date will be extended as necessary to afford Seller or Buyer the entire cureperiod set forth in Section 11.1 (Breach by Seller) and Section 11.2 (Breach by Buyer).\n12. Brokers.\n12.1 Generally. Except as provided in Section 12.2 (Known Brokers), Seller represents and warrants to Buyer, andBuyer represents and warrants to Seller, that no broker or finder has been engaged by it, respectively, in connection with theContemplated Sale. In the event of a claim for broker\u2019s or finder\u2019s fee or commissions in connection with the Contemplated Sale, Sellershall indemnify, defend and hold harmless each Buyer Related Party from the same if it is based upon any statement or agreement allegedto have been made by or on behalf of Seller, and Buyer shall indemnify, defend and hold harmless each Seller Related Party from thesame if it is based upon any statement or agreement alleged to have been made by or on behalf of Buyer.\n12.2 Known Brokers. If and only if the Contemplated Sale closes, Seller has agreed to pay a brokerage commission toSeller\u2019s Broker, pursuant to a separate written agreement between Seller and Seller\u2019s Broker. Seller shall make the payment required to bemade to Seller\u2019s Broker.\n12.3 Leasing Brokers. This Section 12 does not apply to leasing commissions, which shall be the sole obligation ofSeller (to the extent applicable).\n13. Confidentiality; Press Releases.\n13.1 Confidentiality. Seller and Buyer shall keep the terms of the Contemplated Transactions, including the PurchasePrice and all other economic terms, confidential and may", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2901, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "00cf6e12-3c24-4290-b535-417b3a77cf2a": {"__data__": {"id_": "00cf6e12-3c24-4290-b535-417b3a77cf2a", "embedding": null, "metadata": {"page_label": "309", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "2b5c2e10-3817-495d-a30f-db4001255bc3", "node_type": "4", "metadata": {"page_label": "309", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "82dae18ff4c20fed6711a2a6ce556ad1c832b4bd1bdd9e5fb9f62042865b2e83", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 31\nnot disclose them without the consent of the other except (A) to the Permitted Recipients of such Party, but only to the extent such Partydeems it necessary or appropriate in connection with the Contemplated Transactions (and such Party shall inform each of the foregoingPermitted Recipients of such Party\u2019s obligations under this Section and shall instruct such Permitted Recipients to comply with the termshereof, (B) to the extent required in connection with the delivery and recording of the Deed, (C) disclosures made by a Party or itsAffiliates to comply with the requirements of their auditors or regulators, (D) as otherwise required by Laws (or as required under therules and regulations of a securities exchange), but only if (to the extent reasonably practicable) such Party gives the other Partyreasonable notice and a reasonable opportunity to obtain a restraining order, qualify the disclosure, or take other similar protectiveactions, (E) to the extent required in connection with Buyer\u2019s pursuit of the Development Approvals, or (F) as otherwise required toenforce this Agreement. Unless and until the Closing occurs, Buyer shall also keep confidential all documents, reports and otherinformation concerning the Property obtained from Seller or through the Due Diligence Investigations, except to the extent permitted byclause (A), (B), (C), (D), (E) or (F) above (which will also apply to this sentence as though set forth in full in this sentence), and exceptfor disclosures of information available to Buyer from any other source (except to the extent known by Buyer to have been received as aresult of a breach by such source or any other person of a confidentiality restriction in favor of Seller or its predecessors or any otherSeller Related Party); and Buyer acknowledges that Seller may be irreparably injured by a breach of this restriction and that damageswould be an inadequate remedy. Accordingly, either Party may seek all remedies available at law or in equity in connection with a breachof this Section 13.1, but shall not be entitled to terminate this Agreement. Buyer hereby acknowledges that it has received reasonablenotice from Seller of Seller\u2019s intention to make regulatory disclosures with respect to this Agreement, including, but not limited to, Form8-K, Form 10-Q, and Form 10-K filings.\n13.2 Press Releases. No press release or media release and (except as otherwise expressly permitted under Section 13.1(Confidentiality)) no other public disclosure regarding the terms of this Agreement or the Contemplated Transactions may be madewithout the prior consent of Seller and Buyer.\n14. Anti-Terrorism Laws. Each Party shall take any actions that may be required to comply with the terms of all Anti-Bribery,Anti-Money Laundering and Anti-Terrorism Laws. In addition to the foregoing, each Party makes the following representations andwarranties for the benefit of the other Party:\n14.1 Neither such Party nor, to such Party\u2019s knowledge, its Affiliates, and the respective Constituent Persons of suchParty and its Affiliates (excluding public shareholders), is in violation of, has been charged with or is under indictment for the violationof, or has pled guilty to or been found guilty of the violation of, any Anti-Bribery, Anti-Money Laundering and Anti-Terrorism Laws.\n14.2 None of such Party or, to such Party\u2019s knowledge, its Affiliates and the respective Constituent Persons of suchParty and its Affiliates (excluding public shareholders), is acting, directly or indirectly, on behalf of terrorists, terrorist organizations ornarcotics", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3591, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "a7025c4c-9866-49a1-ac27-6551fbc20465": {"__data__": {"id_": "a7025c4c-9866-49a1-ac27-6551fbc20465", "embedding": null, "metadata": {"page_label": "310", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "2b76db48-89ae-4bc4-8882-9135cda054b9", "node_type": "4", "metadata": {"page_label": "310", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "dd909878d71235f647dfc2c240ae9ea6549673fe316abc03fcfa26f9715df84f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 32\ntraffickers, including those Persons that appear on the Annex to the Executive Order, or are included on any Government List maintainedby the Office of Foreign Assets Control of U.S. Department of Treasury, U.S. Department of State, or other U.S. government agencies, allas may be amended from time to time.\n14.3 Neither such Party, nor any Person controlling or controlled by such Party, is a country, territory, individual orentity named on a Government List, and the monies used in connection with this Agreement and amounts committed with respect thereto,were not and are not derived from any activities that contravene any of the Anti-Bribery, Anti-Money Laundering and Anti-TerrorismLaws or any other applicable anti-money laundering or anti-bribery Laws and regulations (including funds being derived from anyPerson, country or territory on a Government List or engaged in any unlawful activity defined under 18 U.S.C. Section 1956(c)(7)).\n14.4 Such Party is not engaging in the Contemplated Transactions, directly or indirectly, in violation of any Lawsrelating to drug trafficking, money laundering or predicate crimes to money laundering or drug trafficking. None of the funds of suchParty have been or will be derived from any unlawful activity with the result that the investment of direct or indirect equity owners insuch Party is prohibited by Laws or that the Contemplated Transactions or this Agreement is or will be in violation of Laws.\n15. Miscellaneous.\n15.1 Limitations of Liability.\n15.1.1Seller Post-Closing Liability. If the Closing occurs, then: (A) Seller will have no liability to Buyer (andBuyer may make no claim against Seller) for a breach of any representation or warranty or any other obligation of Seller under thisAgreement or any \u201cSeller Certificate\u201d (i.e., any certificate executed by Seller in connection with this Agreement, including the SellerClosing Certificate) until Seller\u2019s liability for all such breaches is determined to exceed, in the aggregate, the Seller Post-ClosingThreshold; (B) if such threshold is exceeded, Seller\u2019s liability will not be limited by the Seller Post-Closing Threshold, but will be subjectto clause (C) below and Section 15.1.2 (Excluded Damages), and thus will start from the first dollar without giving effect to suchthreshold; and (C) the liability of Seller under this Agreement and such certificates may not exceed, in the aggregate, the Seller Post-Closing Cap; and (D) Seller will have no liability to Buyer (and Buyer may make no claim against Seller) after the expiration of thePrimary Survival Period.\n15.1.2Excluded Damages. In no event will any Party be liable under this Agreement for consequential or punitivedamages to the other Party (but the foregoing will not limit a Party\u2019s liability to the other Party under an indemnification in thisAgreement for any such damages claimed by an unrelated third party).\n15.1.3Exculpations of Certain Persons and Entities. No present or future Constituent Person of Buyer or Sellerwill have any personal liability, directly or indirectly, for", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3074, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "e870a376-5c22-4f40-aa3f-2debd6dd9917": {"__data__": {"id_": "e870a376-5c22-4f40-aa3f-2debd6dd9917", "embedding": null, "metadata": {"page_label": "311", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "11398232-eb18-403f-abf7-836d4ec134de", "node_type": "4", "metadata": {"page_label": "311", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "02477817111838ada05d050c374b49ee7ef3b0227bcc8b730e49289f30c8b89b", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 33\nthe obligations under this Agreement or any document executed and delivered in connection with this Agreement, or any amendment oramendments to any of the foregoing made at any time or times, heretofore or hereafter, and each of Buyer and Seller, on its behalf and onbehalf of its respective successors and assigns, shall look solely to Seller or Buyer, respectively, for any payment or performance by theother Party under this Agreement or any of the documents executed and delivered in connection with this Agreement, and Buyer andSeller waive any and all such personal liability. For purposes of this Section 15.1.3, no negative capital account and no contribution orpayment obligation of any partner, member or other owner in Buyer or Seller will constitute an asset of Buyer or Seller, respectively.\n15.2 Continuation of Obligations After Closing or Termination. The obligation under this Agreement to comply with aPost-Closing Obligation or Post-Termination Obligation will continue during the applicable Continuation Period following the Closing ortermination of this Agreement, respectively.\n15.2.1\u201cPost-Closing Obligations\u201d means those obligations under this Agreement that (A) arise upon the Closing,or (B) apply (or continue to apply) to a period after Closing, including the post-Closing proration obligations under Section 7 (ClosingDeliveries), the indemnities in this Agreement, the release and other provisions of Section 10 (Disclaimer and Release), and theobligations under Section 12 (Brokers), Section 13 (Confidentiality; Press Releases), Section 14 (Anti-Terrorism Laws), or Section 15(Miscellaneous).\n15.2.2\u201cPost-Termination Obligations\u201d means those obligations under this Agreement that (A) arise upon atermination of this Agreement, including (1) the obligations under Section 5.3.4 (Documents Upon Termination), (2) the obligation, ifapplicable, to pay the costs of Title Company under Section 6.3 (Termination), and (3) the obligations under Section 11 (Breach;Disposition of Deposit upon Termination) if this Agreement is terminated due to a breach, or (B) apply (or continue to apply) to a periodafter termination of this Agreement, including the obligations under Section 5.3 (Continuing Due Diligence Obligations), the disclaimersand other applicable provisions in Section 10 (Disclaimer and Release), Section 12 (Brokers), Section 13 (Confidentiality; PressReleases), Section 14 (Anti-Terrorism Laws) and Section 15 (Miscellaneous).\n15.2.3The \u201cContinuation Period\u201d for a Post-Closing Obligation or a Post-Termination Obligation means thePrimary Continuation Period following the Closing or termination, as applicable, except that:\n(A) subject to clauses (C) and (D) below, the Continuation Period for the obligations under Section 13(Confidentiality; Press Releases) will continue beyond the Primary Continuation Period for an additional 12 months;\n(B) the Continuation Period for the obligations under Section 10 (Disclaimer and Release) and Section 14(Anti-Terrorism Laws), and the provisions of this Section 15 (Miscellaneous) will be indefinite, to the fullest extent permitted byapplicable Law;", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3139, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "3cdd81b6-65be-481b-a159-39553a81b50c": {"__data__": {"id_": "3cdd81b6-65be-481b-a159-39553a81b50c", "embedding": null, "metadata": {"page_label": "312", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "8fdaed81-cf06-489a-9e16-de85eb4acf84", "node_type": "4", "metadata": {"page_label": "312", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "32c732ebe6ec2b8e17fa48e955a60dd92ccfae07d62f8deb3ac3357d81eb5bbb", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 34\n(C) the Continuation Period for any Post-Closing Obligation or Post-Termination Obligation that is stated tocontinue beyond Closing or termination, respectively, for a specified period of time (including Section 5.3.4 (Documents uponTermination)) will be such specified period; and\n(D) the Continuation Period for any Post-Closing Obligation or Post-Termination Obligation that constitutes anindemnification obligation as to a particular Claim will continue indefinitely beyond the otherwise applicable Continuation Period, to thefullest extent permitted by applicable Law, if a written demand for such indemnification (identifying such Claim in reasonable detail) ismade prior to the expiration of the otherwise applicable Continuation Period.\n15.3 Survival of Liability. Except as provided in this Section 15.3, any liability to a Party (\u201cBenefiting Party\u201d) for abreach by the other Party (\u201cObligated Party\u201d) of this Agreement or of any certificate executed and delivered by a Party under thisAgreement (including a breach of the representations and warranties, covenants, indemnities and all other provisions thereof) will survivethe Closing or termination of this Agreement (or, in the case of a breach of a Post-Closing Obligation or Post-Termination Obligation, theexpiration of the applicable Continuation Period), as applicable, until the expiration of the applicable Survival Period (as defined below).\n15.3.1Termination of Liability. Upon the expiration of the applicable Survival Period for a Surviving (Closing)Liability or a Surviving (Termination) Liability or liability for a breach of a Post-Closing Obligation or Post-Termination Obligation,such liability will terminate, except that such liability will continue to survive if (A) before the expiration of the applicable SurvivalPeriod, the Benefiting Party gives the Obligated Party notice, identifying the applicable breach in reasonable detail, and (B) on or beforethe date that is 60 days after the last day of the applicable Survival Period, litigation has been filed by the Benefiting Party and serviceattempted in good faith on the Obligated Party.\n15.3.2Survival Period. \u201cSurvival Period\u201d for a Surviving (Closing) Liability or a Surviving (Termination)Liability, or for liability for a breach of a Post-Closing Obligation or a Post-Termination Obligation, means the Primary Survival Periodfollowing the Closing or termination (or, in the case of a breach of a Post-Closing Obligation or Post-Termination Obligation, theexpiration of the applicable Continuation Period), as applicable, except as provided below in this Section 15.3.2.\n15.3.2.1 Survival After Closing. If the Closing occurs, then (A) the Survival Period for a Surviving(Closing) Liability that is stated to survive the Closing for a specified period of time will be such specified period, and (B) the SurvivalPeriod for liability for a breach of a Post-Closing Obligation will be the period comprising the applicable Continuation Period together (ifsuch Continuation Period expires) with an additional period (commencing immediately after such expiration) of the same duration as thePrimary Survival Period (and if the applicable Continuation Period is indefinite, then the Survival Period will be indefinite to the fullestextent permitted by applicable Law).", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3308, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "8dca4c4b-2d12-40a2-ad46-c82a72a92591": {"__data__": {"id_": "8dca4c4b-2d12-40a2-ad46-c82a72a92591", "embedding": null, "metadata": {"page_label": "313", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "debdaa30-2df9-49b0-a38f-d9a463379213", "node_type": "4", "metadata": {"page_label": "313", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "0c040d63045d1c00f14c8f69d3e4cca05382aeeb6365ab78baa9caf765dc9a2f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 35\n15.3.2.2 Survival After Termination. If this Agreement terminates, then (A) the Survival Period for aSurviving (Termination) Liability that is stated to survive such termination for a specified period of time will be such specified period,(B) liability on account of any breach of this Agreement occurring prior to termination of this Agreement that is not a Surviving(Termination) Liability will not survive such termination (i.e., there will be no liability for such breach if this Agreement terminates), and(C) the Survival Period for liability on account of a breach of a Post-Termination Obligation will be the period comprising the applicableContinuation Period together (if such Continuation Period expires) with an additional period (commencing immediately after suchexpiration) of the same duration as the Primary Survival Period (and if the applicable Continuation Period is indefinite, then the SurvivalPeriod will be indefinite to the fullest extent permitted by applicable Law).\n15.3.3Definitions.\n15.3.3.1 \u201cSurviving (Closing) Liability\u201d of a Party means liability for a breach (other than a breachas to which Section 15.4 (Knowledge) precludes recourse) by such Party of (A) this Agreement occurring prior to the Closing (excludinga Title Breach), or (B) a certificate executed and delivered by such Party under this Agreement.\n15.3.3.2 \u201cSurviving (Termination) Liability\u201d of a Party means liability for a breach by such Partyof a provision in this Agreement (occurring prior to the termination of this Agreement) that either (A) specifies that liability for a breachof such provision survives such termination, or (B) is part of Section 5.2 (Due Diligence Requirements), Section 5.3 (Continuing DueDiligence Obligations), Section 9.2 (Representations and Warranties of Buyer), Section 10 (Disclaimer and Release), Section 12(Brokers), Section 13 (Confidentiality; Press Releases), Section 14 (Anti-Terrorism Laws) or Section 15 (Miscellaneous).\n15.4 Knowledge.\n15.4.1Definition. When a representation and warranty, or other statement, is made under this Agreement or anyClosing Document to the \u201cknowledge\u201d or \u201cactual knowledge\u201d of a Party (or other similar phrase), it means that none of the DesignatedRepresentatives of such Party has any actual (rather than imputed or constructive) knowledge (without further investigation) of any factsindicating that such statement is not true, and when a matter or information is qualified or otherwise limited (under this Agreement or anyClosing Document) to what is \u201cactually known\u201d or \u201cknown\u201d (or other similar phrase) by a Party, then such matter or information will belimited to the extent that any one or more Designated Representatives of such Party have actual (rather than imputed or constructive)knowledge (without further investigation) of such matter or information. None of the Designated Representatives will have any liabilityunder this Agreement.\n15.4.2Designated Representatives. Each Party represents and warrants to the other Party that each of itsDesignated Representatives is an individual affiliated with, or employed by, such Party or one of its Affiliates. Seller represents andwarrants to Buyer that one", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3191, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "8cb184d4-a8ef-48ba-9cce-116cbe6e2f7f": {"__data__": {"id_": "8cb184d4-a8ef-48ba-9cce-116cbe6e2f7f", "embedding": null, "metadata": {"page_label": "314", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "981b1756-9de6-4920-9a72-75eedf6756e8", "node_type": "4", "metadata": {"page_label": "314", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "96ec1c4d4302f495a2ec1c32a08dbe03139bc52322cda2c992e0ceed1449aa8a", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 36\nof Seller\u2019s Designated Representatives has been primarily and directly involved in the asset management or property management of theProperty for a period of at least 12 months before the Effective Date. Buyer represents and warrants to Seller that one of Buyer\u2019sDesignated Representatives has been primarily and directly involved in the acquisition of the Property.\n15.4.3Knowledge as Defense. Seller will have no liability, and Buyer may make no Claim against Seller, for (andBuyer will be deemed to have waived any failure of any conditions hereunder by reason of) a failure of any condition in favor of Buyer,or breach of the representations and warranties of Seller under this Agreement (including for this purpose any matter that would haveconstituted a breach of Seller\u2019s representations and warranties had they been made as of the Closing Date) if (A) such failure of conditionor breach is known to Buyer as of the Effective Date, or (B) such failure of condition or breach is known to Buyer prior to Closing andBuyer proceeds with the Closing. However, in no event will a Party\u2019s proceeding with the Closing with knowledge of a breach by theother Party under this Agreement waive such breach if such breach is (a) a breach of a covenant, or (b) a breach of the representationsand warranties of Seller or Buyer under this Agreement or the Seller or Buyer Closing Certificate.\n15.5 Successors and Assigns. A transfer of direct or indirect interests in Buyer shall not be permitted without the priorconsent of Seller, and neither Party may assign or transfer its rights (or any right to damages arising from a breach), or delegate itsobligations, under this Agreement, either directly or indirectly (whether by outright transfer, transfer of ownership interests or otherwise)without the prior consent of the other Party (which consent shall not be unreasonably withheld), except that:\n(A)    the following transfers by or in Buyer will be permitted without the consent of Seller: (1) an assignment byBuyer of all of its right, title, and interest in this Agreement on or before the Closing Date to an Entity (a \u201cBuyer\u2019s Assignee\u201d) that is aBuyer Permitted Entity so long as (a) Buyer gives Seller at least five (5) Business Days\u2019 advance notice thereof (including the name,entity type, and signature block of Buyer\u2019s Assignee), and (b) Buyer and Buyer\u2019s Assignee execute and deliver to Seller an assignmentand assumption agreement in form and substance reasonably satisfactory to Seller, under which Buyer\u2019s Assignee assumes in writing allof Buyer\u2019s obligations and liabilities hereunder, whenever arising, whether before or after such assumption; and (2) transfers of direct orindirect interests in Buyer but only if Buyer remains a Buyer Permitted Entity;\n(B)    transfers of direct or indirect interests in Seller will be permitted without the consent of Buyer, provided thatthis Agreement is assumed and the obligations of Seller under this Agreement are acknowledged in writing by the transferee; and\n(C)    without the consent of the other Party, either Party may assign this Agreement to a third party intermediaryfacilitator in connection with a tax-free exchange (and the other Party shall cooperate with any such exchange but the other Party may notbe required to take title to other property or incur more than de minimis expenses or liabilities and the Closing Date may not be delayed,and the exchanging Party shall defend, indemnify, and hold harmless each Related Party of the other Party from any Claims resultingfrom such exchange).", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3562, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "fd895607-148f-4149-a53d-83b726568c4e": {"__data__": {"id_": "fd895607-148f-4149-a53d-83b726568c4e", "embedding": null, "metadata": {"page_label": "315", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "f556ef73-f1db-4e95-aad7-fc43e06974d9", "node_type": "4", "metadata": {"page_label": "315", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "604b200b00896640069a50779b3891da84f51ef15614d56f21d864e4efc32ec8", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 37\nNotwithstanding anything to the contrary contained in this Agreement, in the event of a transfer by Buyer or Seller of this Agreement, thetransferor will not be released from its obligations arising before or after the assignment hereunder (and waives all suretyship orguarantor defenses that might otherwise apply), and the transferor shall be jointly and severally liable with the transferee for anyobligations or liabilities that arise in connection with this Agreement, whether before or after any such assignment. No consent given by aParty to any transfer or assignment of the other Party\u2019s rights or obligations hereunder will be construed as a consent to any other transferor assignment of such Party\u2019s rights or obligations hereunder. No transfer or assignment in violation of the provisions hereof will be validor enforceable. Subject to the foregoing, this Agreement and the terms and provisions hereof will inure to the benefit of and be bindingupon the successors and assigns of the Parties.\n15.6 Notices. Except as otherwise expressly provided in this Agreement, any notice, request, direction, demand,consent, waiver, approval, or other communication required (or otherwise contemplated to be given or that purports to affect the rights orobligations of a Party) under this Agreement by one Party to the other Party (each, a \u201cNotice\u201d) will not be effective unless it is in writingand complies with this Section 15.6. The purpose of this Section 15.6 is to ensure prompt and accurate communication. If circumstanceschange, then each Party shall consider, in good faith, requests by the other Party for reasonable modification of this Section 15.6 thatwould better accomplish the purpose of this Section 15.6.\n15.6.1Addresses and Addressees. Each Notice must be addressed and delivered (A) in the case of a hard copyNotice, to each of the Notice Addresses for the receiving Party (and a Notice in the form of a PDF attachment to an email must beaddressed to each such Notice Address), and (B) in the case of an email (i.e., electronic mail), in accordance with Section 15.6.4(Emails).\n15.6.2Method of Delivery. Each Notice must be delivered as follows: (A) personally by an independent thirdparty; (B) by United States registered or certified mail, return receipt requested and postage prepaid; (C) by FedEx Express or otherreputable courier service regularly providing evidence of delivery (with charges paid by the Party sending such Notice); (D) by email inaccordance with Section 15.6.4 (Emails); or (E) if delivery by the alternative means described above is not reasonable at the time inquestion, by any other reasonable means under the circumstances.\n15.6.3Timing and Evidence of Delivery. A Notice will be deemed delivered at the time of receipt by each of therequired recipients (whether accepted or refused) (A) as confirmed in writing by the person delivering such Notice if deliveredpersonally, (B) as shown by the addressee\u2019s return receipt if delivered by registered or certified mail, (C) as confirmed in writing by thecourier service if delivered by courier, (D) at the time it enters the email system (whether a cloud-based system such as Office 365 orGmail or a local mail server, or any associated email filtering service provider, such as Mimecast) for each of the Designated EmailAddresses of the receiving Party, regardless of any non-delivery message received in response, unless the email is rejected or quarantinedby such email system and the sending Party or anyone affiliated with the sending Party is responsible for such rejection or quarantine(e.g.,", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3600, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "76c0c226-b996-4e31-bd24-a3b0e6dfbf10": {"__data__": {"id_": "76c0c226-b996-4e31-bd24-a3b0e6dfbf10", "embedding": null, "metadata": {"page_label": "316", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a1fbba90-5ca2-4a47-8e65-8bd2683697b3", "node_type": "4", "metadata": {"page_label": "316", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "1f955f1c941a494d1b003efe3e8872cf47ed5052e0b8f035af34642a4e99a2a8", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 38\nbecause the email is infected with a virus), and (E) otherwise, upon the date the sending Party proves receipt occurred. However, (1) ifdelivery of a Notice otherwise in accordance with this Section 15.6 occurs after 6:00 p.m. (Local Time where received) or on a non-Business Day, then such Notice will be deemed delivered on the first Business Day after the day of actual delivery, (2) if a Notice to bedelivered by email pursuant to Section 15.6.4 (Emails) cannot be delivered because of a problem affecting the email system for one of theDesignated Email Addresses of the receiving Party (including the failure to maintain a domain name included in any such DesignatedEmail Address), then the deadline for receiving such Notice will be extended until the sooner to occur of actual delivery or the firstBusiness Day after the sending Party has knowledge that such Notice was not delivered and that such problem has been fixed, and (3) ifthe sending Party receives immediate notification that an email Notice is rejected because the attachments to an email are too large (butnot because the recipient\u2019s email box has insufficient capacity), then such email delivery will occur when an email with a link or otherappropriate instructions (which give the receiving Party access to such attachments) is (or multiple emails with such attachments that donot generate such rejection message are) delivered in accordance with Section 15.6.4 (Emails).\n15.6.4Emails. A Notice delivered by email will be effective only if: (A) it is addressed and delivered to all theDesignated Email Addresses of the receiving Party; and (B) in the case of a notice of default, a DDP Continuation Notice, a DDPTermination Notice or other notice of termination, such Notice is delivered by PDF attachment to an email Notice. However, therequirements of clauses (A) and (B) above will be waived as to any email Notice if the sending Party proves the email Notice was timelyreceived and read by a Designated Representative of the receiving Party.\n15.6.5Notice by Counsel. Counsel to a Party may provide a Notice and receive a Notice on behalf of such Partythat complies with this Section 15.6.\n15.7 Intentionally Omitted.\n15.8 Force Majeure. In case by reason of Force Majeure, as such term is hereinafter defined, either the banks, therecorder\u2019s office (for land records) located in the Subject County or the applicable governmental agencies are closed or not fullyoperational and, with respect to the applicable governmental agencies, are unable to process approval of Buyer\u2019s site plan pursuant toSections 6 and 9.4 hereof, then either Party shall give notice and full particulars of such Force Majeure, in writing, to the other Party,within a reasonable time promptly after occurrence of such event, and the Development Approvals Period shall be tolled for the lesser of(i) the period of such delay or (ii) ninety (90) days, and the notice Party shall endeavor to remove or overcome such inability with allreasonable dispatch. The term \u201cForce Majeure\u201d as employed herein shall mean acts of God, strikes, pandemics, lockouts or otherindustrial disturbances, acts of the public enemy, orders of any kind of the Government of the United States, or of the state or any civil ormilitary authority, insurrections, riots, occurrence of any war, armed conflict, civil unrest, terrorism, or other social or political instability(whether domestic or international) landslides, lighting, earthquakes, fire, hurricanes, storm, floods, washouts, droughts, explosions,partial or entire failure of utilities, shortages of labor, material,", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3606, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "98353a56-98c2-4d89-8d3b-2db56f5360e9": {"__data__": {"id_": "98353a56-98c2-4d89-8d3b-2db56f5360e9", "embedding": null, "metadata": {"page_label": "317", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "fdd69fe6-c2dd-4101-86b9-c85c7eb82f1f", "node_type": "4", "metadata": {"page_label": "317", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "50ae6baafab47456cc5873193769a363b2b247a53727f0433380e15026ae9018", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 39\nsupplies, any sanctions, embargoes, or government orders that directly impact the Contemplated Transactions or Property or any othersimilar or different cause not reasonably within the control of the Party claiming such inability.\n15.9    Legal Costs. If either Party brings any suit, action, or other proceeding with respect to the subject matter or theenforcement of this Agreement, the prevailing Party (as determined by the court, agency, or other authority before which such suit orproceeding is commenced), in addition to such other relief as may be awarded, will be entitled to recover reasonable attorneys\u2019 andexperts\u2019 fees, court costs, and expenses of investigation actually incurred. The foregoing includes attorneys\u2019 and experts\u2019 fees, andexpenses of investigation (including those incurred in appellate proceedings), and expenses incurred in establishing the right toindemnification, and all of the foregoing in any action or participation in, or in connection with, any case or proceeding under Chapter 7,11 or 13 of the Bankruptcy Code (11 U.S.C. \u00a7\u00a7 101 et seq.), or any successor statutes.\n15.10    Recordation. Neither this Agreement nor any memorandum or notice of this Agreement may be recorded by anyParty without the prior consent of the other Party hereto.\n15.11    Governing Law; Submission to Jurisdiction.\n15.11.1 Choice of Law. This Agreement, and all claims or causes of action (whether in contract, tort or statute) thatmay be based upon, arise out of or relate to this Agreement, or the negotiation, execution or performance of this Agreement (includingany claim or cause of action based upon, arising out of or related to any representation or warranty made in or in connection with thisAgreement or as an inducement to enter into this Agreement), will be governed by, and enforced in accordance with, the internal laws ofthe Subject State, including its statutes of limitations and repose (subject to the limitations herein contained), but without regard to anyborrowing statute that would result in the application of the statute of limitations or repose of any other jurisdiction.\n15.11.2 Choice of Venue. (A) Each of Buyer and Seller irrevocably and unconditionally submits (and may notobject) to the exclusive and mandatory jurisdiction of (1) the Subject State court in the Subject County, and (2) the United States DistrictCourt with jurisdiction in the Subject County for the purposes of any suit, action or other proceeding arising out of this Agreement or anyContemplated Transactions; (B) no Party may (1) plead or claim in any such court that any such action, suit or proceeding brought in anysuch court has been brought in an inconvenient forum or (2) bring any action, suit or proceeding in connection with this Agreement inany other forum. However, this Section will not preclude the enforcement by Buyer or Seller of any judgment obtained in accordancewith this Agreement or the taking by Buyer or Seller of any action to enforce the same in any other appropriate jurisdiction, and each ofBuyer and Seller waives any right to collaterally attack any such judgment or action.\n15.12    Jury Trial. Each Party waives trial by jury in any action, proceeding, claim or counterclaim brought by either Partyin connection with any matter arising out of or in any way connected with any one or more of this Agreement, the Closing Documents,the relationship", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3401, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "3b350920-ff9e-4371-a1f9-59cbe27b0501": {"__data__": {"id_": "3b350920-ff9e-4371-a1f9-59cbe27b0501", "embedding": null, "metadata": {"page_label": "318", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "f9dfe3cd-db3c-4a04-939b-c4a84d16dcaa", "node_type": "4", "metadata": {"page_label": "318", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "059c2c55397674514ebade66f97f725942a268380c8da7cba24ca62f0d196328", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 40\nof Seller and Buyer hereunder, Seller\u2019s or Buyer\u2019s ownership or use of the Property, and any claims of injury or damage related to theProperty.\n15.13    Time of the Essence; Non-Business Days. Time is of the essence in the occurrence of all events, the satisfaction ofall conditions, and the performance of all obligations hereunder. However, whenever action must be taken (including the giving of noticeor the delivery of documents) under this Agreement during a certain period of time (or by a particular date) that ends (or occurs) on anon-Business Day, then such period (or date) will be extended until the immediately following Business Day. Unless expressly indicatedotherwise, (A) all references to time in this Agreement will be deemed to refer to Local Time, and (B) all time periods provided for underthis Agreement will expire at 5:00 p.m. on the last day of such period.\n15.14    No Waiver. No waiver by a Party of any breach of this Agreement by the other Party will be deemed to be awaiver of any other breach by such other Party (whether preceding or succeeding and whether or not of the same or similar nature). Thefailure of a Party to insist in one or more instances upon strict performance of any provision, term or condition of this Agreement or toexercise any right that is contained herein or provided by law, whether intentional or unintentional, will not adversely affect that Party\u2019sright in the future to insist upon the strict performance of such provision, term or condition or to exercise any of its other legal rightsunder this Agreement. Such a failure to insist upon strict performance in one or more instances will not, under any circumstances,constitute a legally enforceable \u201ccourse of performance\u201d or \u201ccourse of dealing\u201d between the Parties. Closing will constitute a waiver ofany condition to Closing, but (except as otherwise expressly provided in this Agreement) will not constitute a waiver of liability for abreach occurring prior to Closing.\n15.15    Schedules; Exhibits; Entire Agreement; Modification. All schedules and exhibits attached and referred to in thisAgreement are incorporated herein as if fully set forth in (and will be deemed to be a material part of) this Agreement. This Agreementcontains the entire agreement between the Parties respecting the matters herein set forth and supersedes all prior agreements between theParties hereto respecting such matters. No extrinsic evidence whatsoever may be introduced in any judicial, arbitral or other proceedingto interpret this Agreement. This Agreement may not be modified or amended except by written agreement signed and delivered by bothParties.\n15.16    Interpretation.\n15.16.1 Section Headings. Section headings may not be used in construing this Agreement or any ClosingDocument.\n15.16.2 Rules of Construction. Each Party acknowledges that such Party and its counsel, after negotiation andconsultation, have reviewed and revised this Agreement and the form of each Closing Document. As such, the terms of this Agreementand each Closing Document will be fairly construed and the usual rule of construction, to the effect that any ambiguities herein should beresolved against the drafting Party, may not be employed in the interpretation of this Agreement.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3272, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "9ebc4f33-7370-42ad-b08c-59ecfa8a6acf": {"__data__": {"id_": "9ebc4f33-7370-42ad-b08c-59ecfa8a6acf", "embedding": null, "metadata": {"page_label": "319", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "57625869-8ce9-476c-a53a-fb009aae3cb0", "node_type": "4", "metadata": {"page_label": "319", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "5f8227beb541c479d0d35b4f53cac88d377ca6c065f995a0d8e4fc1aa5b9af4a", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 41\n15.16.3 Words. Except as otherwise indicated: (A) as used in this Agreement, the words \u201cherein,\u201d \u201chereof,\u201d\u201chereunder,\u201d and \u201chereby\u201d will be construed to mean \u201cin this Agreement,\u201d \u201cof this Agreement,\u201d \u201cunder this Agreement,\u201d and \u201cby thisAgreement,\u201d respectively, and references to \u201cthis Agreement\u201d will include this Agreement and all amendments and supplements hereto;and (B) as used in this Agreement or any Closing Document: (1) the words \u201cincluding,\u201d \u201cinclude\u201d or \u201cincludes\u201d will be interpreted in anon-exclusive manner without limiting the generality of the preceding subject matter; (2) \u201cgood faith\u201d means \u201chonesty in fact\u201d as suchphrase is used in the Uniform Commercial Code, as adopted in the Subject State as of the Effective Date; (3) the word \u201cshall\u201d is intendedto indicate a command as though the words \u201cis obligated to\u201d or \u201care obligated to,\u201d as applicable, were used instead; (4) \u201ccommerciallyreasonable efforts\u201d will not include any obligation to institute or threaten legal proceedings, to declare or threaten to declare any personin default, to incur any liabilities, to expend any monies (other than customary telephone, printing, copying, delivery and similarexpenses), or to cause any other person to do any of the foregoing; (5) the two words in each of the following pairs of words (whetherused in the singular or the plural) will be deemed to have the same meanings, each of which will encompass any meaning attributable toeither word: \u201capproval\u201d and \u201cconsent\u201d; \u201cbreach\u201d and \u201cdefault\u201d; \u201ccost\u201d and \u201cexpense\u201d; and \u201ctrue\u201d and \u201ccorrect\u201d; and (6) all Schedule,Exhibit and Section references in this Agreement will be deemed to refer to the Schedules, Exhibits and Sections in this Agreement.\n15.16.4 Gender and Number. Words of any gender used in this Agreement or any Closing Document will beconstrued to include any other gender unless the context requires otherwise. When a singular defined term is used in the plural or a pluraldefined term is used in the singular, it will have a corresponding meaning (e.g., if \u201cBox\u201d were a defined term, then \u201cBoxes\u201d would meanall of the same, collectively, and if \u201cBoxes\u201d were a defined term, then \u201cBox\u201d would mean any one of them, individually).\n15.16.5 Consents. Except as otherwise expressly provided herein, any consent provided to be given by a Partyunder this Agreement or any Closing Document must be in writing to be effective and, except as expressly provided in this Agreement,may be given or withheld in the sole and absolute discretion of such Party for any reason or no reason. If a consent may not be\u201cunreasonably withheld\u201d under this Agreement or any Closing Document, it will mean that it may not be \u201cunreasonably withheld,conditioned or delayed.\u201d\n15.17    Third Parties. Except as provided in Sections 10 (Disclaimer and Release), 15.1.3 (Exculpations of CertainPersons and Entities), and 15.22 (Indemnification Procedures; Beneficiaries of Indemnification), nothing in this Agreement, whetherexpressed or implied, is intended to or will: (A) confer any rights or remedies under or by reason of this Agreement on any person otherthan the Parties hereto and their respective successors and assigns; (B) relieve or discharge the obligation or liability of any third personsto any Party; or (C) give any third parties any right of subrogation or action over or against any Party. Without limiting the foregoing, nobroker will have any rights by reason of Section 12.2 (Known Brokers).\n15.18    Further Assurances. Each Party shall, whenever and as often as it is reasonably requested so to do by the other,promptly cause to be executed, acknowledged or", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3632, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "fbad23bb-fa0d-4130-90ac-7e4bbec81735": {"__data__": {"id_": "fbad23bb-fa0d-4130-90ac-7e4bbec81735", "embedding": null, "metadata": {"page_label": "320", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "39d43761-cd32-4c63-84f2-13c4c3846cbe", "node_type": "4", "metadata": {"page_label": "320", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "0912524115b80c8a767893c13941b746c483a5df4b70e7ac03f565bd089bed4e", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 42\ndelivered any and all such further instruments and documents as may be necessary or proper to carry out the intent and purpose of thisAgreement (but only if the same do not increase in any material respect the expenses, liabilities, or obligations of, such Party in a mannernot otherwise provided for herein).\n15.19    Severability. If any term or provision of this Agreement or the application thereof to any Person or circumstancewill, to any extent, be invalid or unenforceable, the remainder of this Agreement, or the application of such term or provision to Personsor circumstances other than those as to which it is held invalid or unenforceable, will not be affected thereby, and each such term andprovision of this Agreement will be valid and be enforced to the fullest extent permitted by Laws.\n15.20    Counterparts; Delivery. This Agreement may be executed in two or more counterparts, each of which will bedeemed an original, but all of which together will constitute one and the same instrument. Counterparts may be delivered via electronicmail (including pdf or other electronic format attached to an email delivered in accordance with Section 15.6 (Notices) or any electronicsignature process complying with the U.S. federal ESIGN Act of 2000) (or to the extent such statute has been modified or superseded bya statute in the Subject State, then such latter statute) delivered by any transmission method permitted under Section 15.6 (Notices), andany counterpart so delivered will be deemed to have been duly and validly delivered and be valid and effective for all purposes.Electronic signatures will be deemed original signatures for purposes of this Agreement and all matters related thereto (including theClosing Documents other than the Deed), with such electronic signatures having the same legal effect as original signatures. Each Partywaives any defenses based upon the absence of manually executed original counterparts of this Agreement (or the Closing Documents,other than the Deed).\n15.21    Effectiveness. In no event will any draft of this Agreement (or any emails or other communications regarding thestatus of this Agreement short of delivery of executed counterparts) create any obligation or liability, it being understood that thisAgreement will be effective and binding only when a counterpart hereof has been executed and delivered by each Party.\n15.22    Indemnification Procedures; Beneficiaries of Indemnification. Each indemnity under this Agreement will besubject to the indemnification provisions (\u201cGeneral Indemnification Provisions\u201d) set forth on Exhibit J attached hereto with respect toany \u201cThird Party Claims\u201d (as defined below). The indemnification obligations under this Agreement will also benefit any present orfuture Constituent Person of each stated indemnitee. Seller shall have no liability for any claim for indemnification made after theexpiration of the Primary Survival Period.\n16. Exclusive Negotiations. Unless this Agreement has been terminated without the Property having been conveyed to Buyer:(A) Seller may not make, accept or solicit offers or enter into or continue negotiations with a third party related to the sale of the Propertyto such third party (or an Affiliate), and (B) without limitation on the generality of the foregoing, Seller", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3318, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "b73cfe87-d0c9-4e46-9557-7f3a3c457bb6": {"__data__": {"id_": "b73cfe87-d0c9-4e46-9557-7f3a3c457bb6", "embedding": null, "metadata": {"page_label": "321", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "04aa3632-3066-4cd9-8075-96f696c34ec8", "node_type": "4", "metadata": {"page_label": "321", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "cd6e9c8d44b8dfa309251866f8ce23c389595e5b13a90f7b9f4311961d71b657", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 43\nmay not enter into any letter of intent, term sheet, or contract with a third party for the sale of the Property.\n17. Certain Defined Terms. As used herein:\n17.1 \u201cAffiliate\u201d of a Person (as defined below) means any other Person that directly or indirectly through one or moreintermediaries, controls, is controlled by or is under common control. \u201cControl\u201d of a Person means the possession, direct or indirect, ofthe power to decide, affirmatively (by direction) or negatively (by veto), the management and policies of such Person, whether throughthe ownership of voting interests, by contract or otherwise, and will in any event include the ownership or power to vote the AffiliateControl Percentage or more of the outstanding equity or voting interests of such Person. A requirement that one or more other partiesagree to or approve a set of decisions (e.g., \u201cmajor decisions\u201d) does not deprive a Person of \u201ccontrol.\u201d\n17.2 \u201cAnti-Bribery, Anti-Money Laundering and Anti-Terrorism Laws\u201d means Laws relating to anti-corruption,anti-bribery, terrorism, counter terrorist financing, anti-money laundering, drug trafficking or the Uniting and Strengthening America byProviding Appropriate Tools Required to Intercept and Obstruct Terrorism Action of 2001, Public Law 107-56, as amended, ExecutiveOrder No. 13224 (Blocking Property and Prohibiting Transactions with Persons Who Commit, Threaten to Commit, or SupportTerrorism) (\u201cExecutive Order\u201d), and the Anti-Money Laundering Act of 2020, as amended, any regulations promulgated under theforegoing Laws, any sanctions program administered by the U.S. Department of Treasury\u2019s Office of Foreign Assets Control or FinancialCrimes Enforcement Network, or any other Laws, regulations or executive orders designed to combat corruption, bribery, terrorism,drug-trafficking, money laundering, or terrorist financing.\n17.3 \u201cBankruptcy/Dissolution Event\u201d with respect to a Person means the commencement or occurrence of any of thefollowing (whether voluntary or involuntary) with respect to such Person: (A) a case under Title 11 of the U.S. Code, as now constitutedor hereafter amended, or under any other applicable federal or state bankruptcy law or other similar law; (B) the appointment of (or aproceeding to appoint) a trustee or receiver of any property interest; (C) an attachment, execution or other judicial seizure of (or aproceeding to attach, execute or seize) a substantial property interest; (D) an assignment, offer of settlement or composition to itscreditors generally; (E) the taking of, failure to take, or submission to any action indicating (after reasonable investigation) an inability tomeet its financial obligations as they accrue; or (F) insolvency, dissolution, division or liquidation.\n17.4 \u201cBusiness Day\u201d means any day other than a Saturday, Sunday or federal or Subject State holiday on which banksor the recorder\u2019s office (for land records) located in the Subject County are closed.\n17.5 \u201cBuyer Conduct\u201d means acts of one or more Buyer Related Parties.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3029, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "ba56bb81-1a68-427a-b03a-323ecaa2f042": {"__data__": {"id_": "ba56bb81-1a68-427a-b03a-323ecaa2f042", "embedding": null, "metadata": {"page_label": "322", "file_name": "AIZ 10K - 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Where any Laws define any of these terms more broadly than another, the broaderdefinition will apply. However, the term \u201cHazardous Material\u201d will not include (A) motor oil and gasoline contained in vehicles locatedon or about the Land not used primarily for the transport of motor oil or gasoline, or (B) de minimis cleaning solvents, copy machinetoner, typewriter correction fluid and other such similar general office supplies that are stored, used, held, and disposed of in compliancewith all applicable environmental Laws.\n17.18\u201cInternal Revenue Code\u201d means the Internal Revenue Code of 1986, as amended from time to time, and anycorresponding provisions of succeeding Laws and any regulations, rulings and guidance issued by the Internal Revenue Service.\n17.19\u201cLaws\u201d means any federal, state or local laws, statutes, ordinances, rules, resolutions, regulations, codes,advisories, executive orders or judicial judgments or orders, enacted, issued, adopted, promulgated, applied, or hereafter imposed by anyGovernmental Entity, including building, zoning and environmental protection.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3134, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "b9c48bc7-c73c-4db6-9b16-c898abf22f6c": {"__data__": {"id_": "b9c48bc7-c73c-4db6-9b16-c898abf22f6c", "embedding": null, "metadata": {"page_label": "324", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "ae8de1f2-bac0-4aef-b0f7-357e6bb9600c", "node_type": "4", "metadata": {"page_label": "324", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "66778ea930a3d6314f7d1a845642433337b626fb19014fb832c0d640539c82fd", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 46\n17.20\u201cParty\u201d means Seller or Buyer.\n17.21\u201cPermitted Recipients\u201d means the Constituent Persons of such Party and legal counsel, accountants, actual andprospective investors and lenders, engineers, architects, contractors, brokers, potential tenants, leasing brokers, contractors (in connectionwith the marketing of the Property), financial advisors and similar professionals and consultants of such Party or its Constituent Persons.\n17.22\u201cPerson\u201d means an individual, estate, or Entity.\n17.23\u201cRelated Party\u201d of a Person means such Person, its Affiliates and the Constituent Persons of such Person and ofeach such Affiliate and their respective real estate brokers, agents, attorneys, lenders, title companies, surveyors, consultants, architects,engineers, contractors, appraisers, representatives, advisors, and other Persons acting on behalf of such Person or at the request of suchPerson. A \u201cSeller Related Party\u201d means a Related Party of Seller and a \u201cBuyer Related Party\u201d means a Related Party of Buyer, and inaddition, potential lenders and potential investors in connection with Buyer\u2019s investment in the Property.\n18. Escrow Provisions. The Deposit shall be held by Escrow Agent, in trust, and disposed of only in accordance with the termsand conditions of this Agreement. Escrow Agent shall invest the Deposit in interest-bearing instruments satisfactory to Buyer, shall notcommingle the Deposit with any funds of Escrow Agent or others, and shall promptly provide Buyer and Seller with confirmation of theinvestments made. If either Buyer or Seller shall terminate this Agreement pursuant to a right of termination specifically provided in thisAgreement, Escrow Agent shall deliver the Deposit to the party entitled to receive it pursuant to this Agreement. In all events EscrowAgent shall deliver the Deposit to Seller or Buyer, as applicable, only upon receipt of a written demand therefor from such party, afterwhich Escrow Agent shall give written notice to the other party of such demand. Thereafter, (a) if Escrow Agent does not receive awritten objection from the other party to the proposed payment within five (5) days after the giving of such notice, then Escrow Agent ishereby authorized to make such payment, but (b) if Escrow Agent does receive such written objection within such period, Escrow Agentshall continue to hold such amount until otherwise directed by written instructions signed by Seller and Buyer or a final judgment of acourt. Notwithstanding the above, in the event of a termination of this Agreement by Buyer pursuant to the timely exercise of thetermination right set forth in Section 5.4 hereof, notice to and response from Seller will not be required for a release of the Deposit toBuyer. The parties acknowledge that Escrow Agent is acting solely as a stakeholder at their request and for their convenience, thatEscrow Agent shall not be deemed to be the agent of either of the parties, and that Escrow Agent shall not be liable to either of the partiesfor any action or omission on its part taken or made in good faith, but shall be liable for its grossly negligent acts or willful misconduct.Seller and Buyer shall jointly and severally indemnify and hold Escrow Agent harmless from and against all liabilities (includingreasonable attorneys\u2019 fees, expenses and disbursements) incurred in connection with the performance of Escrow Agent\u2019s dutieshereunder, except with respect to actions or omissions taken or made by Escrow Agent involving gross negligence or willful misconducton the part of Escrow Agent. Escrow Agent has executed this Agreement in order to confirm that Escrow", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3631, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "17b5b601-f992-4c26-b915-c62209c8a107": {"__data__": {"id_": "17b5b601-f992-4c26-b915-c62209c8a107", "embedding": null, "metadata": {"page_label": "325", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "80230b06-f0e6-4d54-b6df-4f1fa7593b4f", "node_type": "4", "metadata": {"page_label": "325", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e6d21e07e62a7b2822da107bb3ea70981fe9cf68241b96d090064e4712f92509", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 47\nAgent shall hold the Deposit, in escrow, and shall disburse the Deposit pursuant to the provisions of this Agreement. Seller and Buyermutually agree that in the event of any controversy regarding the Deposit, Escrow Agent may interplead all parties and deposit theDeposit with a court of competent jurisdiction in which event Escrow Agent may recover all of its court costs and reasonable attorneys\u2019fees. Seller or Buyer, whichever loses in any such interpleader action, shall be solely obligated to pay such costs and fees of EscrowAgent, as well as the reasonable attorneys\u2019 fees of the prevailing party in accordance with the other provisions of this Agreement. ThisSection 18 shall survive the termination of this Agreement.\n[signature page attached]", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 762, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "42b70c71-3571-41f9-a91d-b28f4821a6d5": {"__data__": {"id_": "42b70c71-3571-41f9-a91d-b28f4821a6d5", "embedding": null, "metadata": {"page_label": "326", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "781742de-bf8d-4f7c-a530-1658b6db5ff7", "node_type": "4", "metadata": {"page_label": "326", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "0e4a6ff1a9eeaab45112979a0ff2b63d08b4016ed55d74414df871d3ebc25fe7", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 48\nIN WITNESS WHEREOF, the Parties hereto have executed this Agreement as of the date first above written.\nSELLER:\nAMERICAN BANKERS LIFE ASSURANCE COMPANY OF FLORIDA,a Florida corporation\nBy:        Name:    [***]Title:    General Counsel and Assistant Secretary\nBUYER:\nGPC MIAMI BUSINESS PARK, LLC,a Florida limited liability company \nBy:        Name:        Title:", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 371, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "7a1859a1-5087-47d8-afab-822f6b7cadb6": {"__data__": {"id_": "7a1859a1-5087-47d8-afab-822f6b7cadb6", "embedding": null, "metadata": {"page_label": "327", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "ad6995cb-e9a6-49ce-8cc0-c319fb46640f", "node_type": "4", "metadata": {"page_label": "327", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e2717b99195958d6badf6a962367ceba346e2e4293237cd28afe8e1383be29cc", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 49\nJOINDER BY ESCROW AGENT\nBy execution hereof, the Escrow Agent hereby: (a) agrees to act as Escrow Agent under the Agreement; (b) agrees to hold anddisburse the Deposit in accordance with the provisions of this Agreement; and (c) covenants and agrees to be bound by the terms of thisAgreement.\nFIDELITY NATIONAL TITLE INSURANCE COMPANY\nBy:                    Name: [***]Title: Vice President,Florida Commercial Services Manager", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 434, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "ae7d18a9-7f10-4fc3-96b0-52426ce502ab": {"__data__": {"id_": "ae7d18a9-7f10-4fc3-96b0-52426ce502ab", "embedding": null, "metadata": {"page_label": "328", "file_name": "AIZ 10K - 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2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "e8857ea5-62fd-4bf0-b888-d3f8151dc282", "node_type": "4", "metadata": {"page_label": "329", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "1b3d85a096183e861708749f45bfc000771f306eed2e63fb3aa9a156f789e3db", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 51\nSCHEDULE 2.3.1.1\nLEASE SCHEDULE\nNone.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 45, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "ec6e0edd-3052-41e9-80f1-7e1f7e02f999": {"__data__": {"id_": "ec6e0edd-3052-41e9-80f1-7e1f7e02f999", "embedding": null, "metadata": {"page_label": "330", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d9a59310-366d-4d80-af32-c52bd4e4ac6c", "node_type": "4", "metadata": {"page_label": "330", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "32192fc81c2600f777f3ffeebec83109b3ee2792555d036f0f705c622a386b16", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 52\nSCHEDULE 2.3.2\nEXCLUDED PERSONAL PROPERTY\n1. One (1) 500 KW Kohler Power Systems Generator (No. 1);\n2. One (1) Time Capsule;\n3. All art work within the interior of the buildings; and\n4. All proprietary information of Seller and other personal property related to Seller\u2019s business that do not constitute furniture orfixtures.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 333, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "503dbf0d-6fff-40eb-80eb-361f3d7eed72": {"__data__": {"id_": "503dbf0d-6fff-40eb-80eb-361f3d7eed72", "embedding": null, "metadata": {"page_label": "331", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "038d1f5b-b760-4ada-8df0-5dd703a2db50", "node_type": "4", "metadata": {"page_label": "331", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e78bfe319d3cb6f6cc8d04a717d60ba4daa5b5d1c1997f46393053207a6d8c12", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 53\nSCHEDULE 2.3.3\nSERVICE CONTRACT SCHEDULE\n1. Statement of Services #3, dated December 2, 2024, between Assurant, Inc. on behalf of itself, its subsidiaries and affiliates, andProsegur Security USA, Inc.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 209, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "b76ab55a-6d46-4f2a-9a13-67dd80bfa8f6": {"__data__": {"id_": "b76ab55a-6d46-4f2a-9a13-67dd80bfa8f6", "embedding": null, "metadata": {"page_label": "332", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "ccf7d06a-ab5f-4598-a038-4f1af4dd2a3f", "node_type": "4", "metadata": {"page_label": "332", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "a46a778c18d58b0a55bd14cedec7068f9d8f87fdfa8b67d412a0c18ef2049fb0", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 54\nSCHEDULE 5.2.3\nDUE DILIGENCE INSURANCE REQUIREMENTS\nThis Schedule sets forth the insurance requirements that Buyer must satisfy by causing each DD Contractor (each, an \u201cInsured Party\u201d)to satisfy under Section 5.2.3 of the purchase and sale agreement (the \u201cPurchase and Sale Agreement\u201d) to which this Schedule isattached and of which this Schedule forms a part. Except as otherwise indicated in this Schedule, each capitalized term used herein willhave the meaning given to the same elsewhere in the Purchase and Sale Agreement.\nA.    General Liability. Commercial general liability insurance for bodily injury and property damage, including contractual liabilityarising out of Due Diligence Investigations at or near the Property, issued on an occurrence basis using the \u201cRequired CGLForm\u201d (i.e., the most recent commercially available ISO form CG 00 01), and meeting at least the following specifications:\n(1)    Minimum Limits: The policy must have limits of not less than $1,000,000 per occurrence and $2,000,000 general aggregateon an annual basis; and\n(2)    Prohibited Exclusions and Limitations: Without limitation on the foregoing, the policy may not have (a) any endorsementmodifying the employer\u2019s liability exclusion, or (b) any \u201cinsured vs. insured\u201d exclusion (other than named insured vs.named insured).\nB.    Business Auto Liability. Business auto liability insurance with a limit of not less than $1,000,000 per accident, for bodily injury andproperty damage arising out of vehicles used by the Insured Party in connection with Due Diligence Investigations at or near theProperty, and including owned, leased, non-owned and hired vehicles. If a contractor does not have company vehicles, thisrequirement can be satisfied by adding Hired Non-Owned Auto on such contractor\u2019s General Liability.\nC.    Workers Compensation and Employer\u2019s Liability. Workers compensation insurance with statutory limits and employer\u2019s liabilityinsurance with limits of not less than $1,000,000 per accident, $1,000,000 per employee for disease and $1,000,000 in theaggregate for disease, covering each individual employed in connection with the Due Diligence Investigations (whether employedby Buyer, by an Entity affiliated with Buyer, by a DD Contractor, or otherwise) at or near the Property on behalf of the applicableInsured Party.\nD.    Excess or Umbrella. Commercial excess or umbrella liability insurance with respect to the general liability, business auto andemployer\u2019s liability insurance required in this Schedule on a follow form (and no less broad than primary) basis and with a limitof not less than $5,000,000 each occurrence and general aggregate (except that, if approved by", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2693, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "6937c889-63fb-4b25-be42-d1cd1ceea8e7": {"__data__": {"id_": "6937c889-63fb-4b25-be42-d1cd1ceea8e7", "embedding": null, "metadata": {"page_label": "333", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "48454533-3c32-4bd6-bc85-e2015cde9d88", "node_type": "4", "metadata": {"page_label": "333", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "dfc305fda688575818bfef15b0ecffc67024c70606a5041f7cdfcdb1c7a8cf04", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 55\nSeller, such amount may be less in the case of insurance to be carried by DD Contractors).\nE.    General Requirements.\n(1)    Insurance Company: The insurance company must have a rating of at least A-VII in Best\u2019s Key Rating Guide and beauthorized (or in the case of non-admitted insurers, authorized) to do business in the State in which the Property is located.\n(2)    Additional Insureds: With the exception of workers compensation and employer\u2019s liability coverage, each of the policiesidentified above must include Buyer, Seller, Seller\u2019s property manager (if any), Seller\u2019s mortgage lender(s), if any, eachother Seller Related Party, and each other Person designated by Seller, as additional insureds (collectively, the \u201cAdditionalInsureds\u201d). The commercial general liability insurance policy will be endorsed by the most recent commercially availableISO form CG 20 26, and must specify the Additional Insureds and provide them with coverage at least as broad as thatprovided to the first named insured. If the Insured Party\u2019s CGL or excess or umbrella liability policies limit the AdditionalInsureds\u2019 coverage to the limits specified in a written agreement, then the minimum limits required under this Agreementfor such insurance are the greater of the applicable limits specified in this Schedule or the limits actually carried by theInsured Party.\n(3)    Primary Coverage: The commercial general liability coverage and business auto liability coverage in favor of AdditionalInsureds required above will be primary and non-contributory; and the commercial general liability insurance policy willbe endorsed by the most recent commercially available ISO form CG 20 01.\n(4)    Waiver of Subrogation: A waiver of subrogation in favor of the Additional Insureds will be provided for coverages requiredunder this Schedule (except as may be prohibited by state workers compensation laws). Without limitation on Buyer\u2019sindemnification obligations (or any waiver that may have been provided in a prior access agreement), Buyer herebywaives (and shall require each other Insured Party to waive) all rights against the Additional Insureds for bodily injury orproperty damage arising out of Due Diligence Investigations at or near the Property to the extent such bodily injury orproperty damage is covered by any insurance required to be or actually maintained by or on behalf of Buyer (or such otherInsured Party) under the Purchase and Sale Agreement, with the understanding that it would not be covered to the extentof the lesser of (a) any permitted deductible or self-insured retention permitted under this Exhibit, or (b) any actualdeductible or self-insured retention under such insurance.\n(5)    Evidence of Coverage: In addition to the certificates of insurance and additional insured endorsements required to bedelivered under Section 5.2.3, Buyer shall upon Seller\u2019s request promptly deliver to Seller copies of each of the", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2939, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "2c025e25-0b68-410a-945f-ee392982f60b": {"__data__": {"id_": "2c025e25-0b68-410a-945f-ee392982f60b", "embedding": null, "metadata": {"page_label": "334", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "f3cfcd1a-1116-4ba1-ae33-6f963b1d98d4", "node_type": "4", "metadata": {"page_label": "334", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "4a6e5f513cb44f41138299bbf7a9c7f8547712ff145495f90067e913cc8ed7e9", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 56\nendorsements required in this Schedule. Neither Seller\u2019s failure to require evidence that the requirements of this Schedulehave been met, nor Seller\u2019s failure to object to evidence indicating that the requirements of this Schedule have not beenmet, will constitute a waiver of such requirements.\n(6)    Deductibles and Self-Insured Retentions: Except with Seller\u2019s approval, not to be unreasonably withheld, no Insured Partymay maintain a deductible or self-insured retention, or both, with respect to any of the insurance required by this Schedulethat exceeds $50,000. No Insured Party may otherwise self-insure any insurance required by this Schedule.\n(7)    Approval of Minor Deviations: Seller may not unreasonably withhold its approval to (a) alternative insurance proposed byBuyer that provides substantially equivalent coverage to the coverage required under this Schedule (but not less than thespecified amounts or such other amounts as may be approved by Seller), and (b) excess or umbrella liability limits lessthan $5,000,000 for small but reputable DD Contractors that maintain lower limits of excess or umbrella liabilitycoverage.\nF.    Blanket Policies. Any of the policy requirements in this Schedule may be satisfied through a blanket policy of insurance maintainedby an Insured Party or its affiliate so long as the Insured Party is a named insured and such blanket policy complies with therequirements in this Schedule insofar as the Property is concerned.\n* * *", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1488, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "ded48a96-f7bc-47f7-9d62-af48f901dffd": {"__data__": {"id_": "ded48a96-f7bc-47f7-9d62-af48f901dffd", "embedding": null, "metadata": {"page_label": "335", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "cef075ff-5d6b-4880-b461-20cb1a52853b", "node_type": "4", "metadata": {"page_label": "335", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "2ac8d77f7344198501f0230fa2bf951d7185e39f161355d85fc4f4dd69fdd55a", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 57\nEXHIBIT A\nLEGAL DESCRIPTION OF LAND\nThat certain land situated in the County of Miami-Dade, State of Florida, and described as follows:\nTracts A, B and C of American Bankers Office Park, according to the plat thereof, as recorded in Plat Book 120, Page 19, of the PublicRecords of Miami-Dade County, Florida.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 316, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "b641b731-658b-4f68-9b9f-1e13561ab24c": {"__data__": {"id_": "b641b731-658b-4f68-9b9f-1e13561ab24c", "embedding": null, "metadata": {"page_label": "336", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "0de6f27b-07ce-4277-b8f2-9501bb02f36b", "node_type": "4", "metadata": {"page_label": "336", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "cbccd566b880d053c96f003482368ba2068ef38d61e1741926bf5021728cc8de", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 58\nEXHIBIT B\nFORM OFDEED\nThis Instrument Prepared by and Return to:\n____________________________________________________________\nFolio No.: ____________________        \n__________SPACE ABOVE THIS LINE FOR RECORDING DATA__________\nSPECIAL WARRANTY DEED\n    THIS SPECIAL WARRANTY DEED, is made this _____ day of ____________, 20___, by AMERICAN BANKERS LIFEASSURANCE COMPANY OF FLORIDA, a Florida corporation (\u201cGrantor\u201d), having an address at 11222 Quail Roost Drive, Miami,Florida 33157, in favor of ___________________________, a ____________________________ (\u201cGrantee\u201d), having an address at_______________________________________.\nWITNESSETH: That the Grantor, for and in consideration of the sum of Ten and No/100 Dollars ($10.00) and other good andvaluable consideration, receipt whereof is hereby acknowledged, hereby grants, bargains, sells, aliens, remises, releases, conveys andconfirms unto the Grantee, its successors and assigns, all that certain land situate, lying and being in __________ County, State ofFlorida, more particularly described as follows:\nSEE EXHIBIT \u201cA\u201d ATTACHED HERETO\nTOGETHER, with all easements, tenements, hereditaments and appurtenances thereto belonging to the land; and\nTOGETHER, with all buildings and other improvements now or in the future located on the land; and\nTOGETHER, with all of Grantor\u2019s right, title, and interest, if any, in and to the streets, avenues, roads, ways, alleys, waterways,and canals, open and proposed, in front of or adjoining the land;\n    TO HAVE AND TO HOLD, the same in fee simple forever.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1563, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "66ea68e3-5593-4bb8-8270-188b1f3d01d8": {"__data__": {"id_": "66ea68e3-5593-4bb8-8270-188b1f3d01d8", "embedding": null, "metadata": {"page_label": "337", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "f1146486-2ed3-4733-bc0b-46111d2799e2", "node_type": "4", "metadata": {"page_label": "337", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ccf592c20cc675c06b5cf8019a21d67475c761bdee6b4395b6ad35ba4abd072a", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 59\nThis conveyance is made subject to:\n(a)    Real estate taxes for the year 20___ and subsequent years;(b)    Zoning and other government regulations; and(c)    Conditions, restrictions, reservations, limitations, and easements of record, which are not reimposed by this deed.\nAND Grantor hereby covenants with Grantee that Grantor is lawfully seized of said land in fee simple, that Grantor has goodright and lawful authority to sell and convey said land, and Grantor specially warrants the title to the Property and will defend the sameagainst the lawful claims (excluding those arising out of the encumbrances described above) of all persons claiming by, through andunder Grantor, but none others.\n[Remainder of Page Intentionally Blank]", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 746, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "a3312eba-7911-4806-8bb9-d136440d4ef3": {"__data__": {"id_": "a3312eba-7911-4806-8bb9-d136440d4ef3", "embedding": null, "metadata": {"page_label": "338", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "b9a69e8f-55d6-43c9-bbfa-b601687cea31", "node_type": "4", "metadata": {"page_label": "338", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "42e480d88fe2e07e471d3788f45adffb08ed6cc6434ea44ddda64191e8bd8646", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 60\nIn Witness Whereof, Grantor has set its hand and seal as of the date first set forth above.\nSigned, sealed and deliveredin the presence of:\n__________________________Print Name:_______________Address:\n__________________________Print Name:_______________Address:\nAMERICAN BANKERS LIFE ASSURANCE COMPANY OFFLORIDA,a Florida corporation\nBy: _________________________Name: _______________________Title: _______________________\n                STATE OF ____________________\nCOUNTY OF ___________________\n    The foregoing instrument was acknowledged before me by means of [__] physical presence or [__] online notarization this ___ day of_______, 202__, by __________________, as ______________ of AMERICAN BANKERS LIFE ASSURANCE COMPANY OFFLORIDA, a Florida corporation, on behalf of such corporation. Such person is personally known to me or has produced__________________________ as identification.                                 \n                                            (SEAL)\n                        _____________________________________\n                        Printed Name of Notary: ______________\n                        Commission Number:________________\nNotary Public-State of _________________", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1213, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "806cebb2-4784-4a69-a6e8-e10f7689790e": {"__data__": {"id_": "806cebb2-4784-4a69-a6e8-e10f7689790e", "embedding": null, "metadata": {"page_label": "339", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "843c28c7-1739-4e3c-a864-765fcd7412a4", "node_type": "4", "metadata": {"page_label": "339", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "8b55f2511edf0058e9ed59b203e1243c8e8c1885c2b0ff21ff67aa18290d20f2", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 61\nEXHIBIT C\nFORM OFBILL OF SALE, ASSIGNMENT AND ASSUMPTION\nTHIS BILL OF SALE, ASSIGNMENT AND ASSUMPTION (this \u201cAssignment\u201d) is dated as of _____________ __, 20__, and isbetween AMERICAN BANKERS LIFE ASSURANCE COMPANY OF FLORIDA, a Florida corporation (\u201cSeller\u201d), and ____________,a ____________ (\u201cBuyer\u201d), who agree as follows:\n1.    Purchase and Sale Agreement. This Assignment is given pursuant to that certain Purchase and Sale Agreement (\u201cPurchaseAgreement\u201d) captioned \u201cPURCHASE AND SALE AGREEMENT\u201d dated as of __________, between Seller and Buyer, providing forthe sale of the \u201cProperty\u201d (as defined below). As used herein, the \u201cIntangible Property,\u201d \u201cLeases,\u201d \u201cLeasing Costs,\u201d \u201cPersonalProperty,\u201d \u201cProperty,\u201d and \u201cService Contracts\u201d will have the respective meanings set forth for the same in the Purchase Agreement.\n2.    Assignment. Seller hereby sells, transfers, assigns and conveys to Buyer all right, title and interest of Seller in and to thefollowing:\n(A)    the Personal Property;\n(B)    the Service Contracts identified on Schedule A; and\n(C)    any other Intangible Property.\nExcept as may be expressly provided in the Purchase Agreement, such property is conveyed \u201cas is\u201d without warranty orrepresentation. The covenants, agreements, and limitations (including, without limitation, the limitations provided in Sections 10, 15.1,and 15.4 of the Purchase Agreement) provided in the Purchase Agreement with respect to the property conveyed hereunder areincorporated herein by this reference as if herein set out in full.\n3.    Acceptance and Assumption. Buyer accepts the foregoing assignment and agrees to assume and discharge, in accordance withthe terms thereof, (A) all of the obligations of Seller under any assumed Service Contracts, to the extent the same accrue on or after thedate hereof, and (B) the obligation to pay all unpaid payments that are credited to Buyer under the proration provisions of the PurchaseAgreement.\n4.    Successors and Assigns. This Assignment will inure to the benefit of and will be binding upon Seller and Buyer, and theirrespective successors and assigns. This Assignment may be executed in two or more counterparts, each of which will be deemed anoriginal, but all of which together will constitute one and the same instrument. Counterparts may be delivered via facsimile, electronicmail (including pdf or any electronic signature process complying with the U.S. federal ESIGN Act of 2000) or other transmissionmethod and any counterpart so delivered will be deemed to have been duly and validly delivered and be valid and effective for allpurposes. Electronic signatures will be deemed original signatures for purposes of this", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2687, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "15c4dd47-7466-4b35-9c3c-e58289397c0c": {"__data__": {"id_": "15c4dd47-7466-4b35-9c3c-e58289397c0c", "embedding": null, "metadata": {"page_label": "340", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "f26eec29-fbbf-45b4-a905-9b20a0d191ef", "node_type": "4", "metadata": {"page_label": "340", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "63c6bd2102be2b22e3d491c0eb620c5c0c914ae1acde7702034291e3b1672405", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 62\nAssignment and all matters related thereto, with such electronic signatures having the same legal effect as original signatures.\nDATED: As of __________, 20__\nSELLER:\n[**Seller Signature Block**]\nBUYER:\n[**Buyer Signature Block**]", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 238, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "4581de9a-69b9-48b6-81c1-5e47d7913a2d": {"__data__": {"id_": "4581de9a-69b9-48b6-81c1-5e47d7913a2d", "embedding": null, "metadata": {"page_label": "341", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "7127e327-0a8a-4dfc-bf8e-e2e5b2d89b41", "node_type": "4", "metadata": {"page_label": "341", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ff57f45aac483c43385a6fbf73d30a12737d8bb6ec4a407f60309737395c4fcc", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 63\nSCHEDULE A\nService Contracts", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 36, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "6b6e40cd-de27-4b20-9f6f-7366e5835fe6": {"__data__": {"id_": "6b6e40cd-de27-4b20-9f6f-7366e5835fe6", "embedding": null, "metadata": {"page_label": "342", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "99997c5e-c3ad-4955-b4e4-527d3fc7564d", "node_type": "4", "metadata": {"page_label": "342", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e7fba51d796f2790805c72f96577006aac87be1e033cccab58974f1e64bfa775", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 64\nEXHIBIT D\nFORM OFSELLER CLOSING CERTIFICATE\nTHIS SELLER CLOSING CERTIFICATE (this \u201cClosing Certificate\u201d) is made as of the ____ day of ___________, 20__, byAMERICAN BANKERS LIFE ASSURANCE COMPANY OF FLORIDA, a Florida corporation (\u201cSeller\u201d), to ____________, a____________ (\u201cBuyer\u201d).\nR E C I T A L S:\nA.    Pursuant to that certain agreement captioned \u201cPURCHASE AND SALE AGREEMENT\u201d dated as of __________ betweenSeller and Buyer (as amended, the \u201cPurchase Agreement\u201d), Seller has agreed to sell to Buyer certain real property located in the Countyof Miami-Dade, State of Florida.\nB.    The Purchase Agreement requires the delivery of this Closing Certificate.\nNOW, THEREFORE, pursuant to the Purchase Agreement, Seller represents and warrants to Buyer that, except as specifically setforth in Schedule A attached hereto, each of the representations and warranties of Seller contained in the Purchase Agreement is true andcorrect, in all material respects, as of the date hereof as if made on and as of the date hereof.\nThis Certificate is subject to the terms and conditions of the Purchase Agreement (including the limitations set forth in Sections 9.3, 15.1,15.3 and 15.4).\nIN WITNESS WHEREOF, the undersigned has executed this Closing Certificate as of the day and year first above written.\nSELLER:\n[**Seller Signature Block**]", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1338, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "1ce288cd-2893-4b20-b8fb-376b693ee487": {"__data__": {"id_": "1ce288cd-2893-4b20-b8fb-376b693ee487", "embedding": null, "metadata": {"page_label": "343", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "d694d697-9ad0-4af2-ac7d-294a2f99ae76", "node_type": "4", "metadata": {"page_label": "343", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "d757c1790a3c5c0ded7bfcc5d0871125252f4c8c242e16ad15659e65d4eb5ba1", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 65\nSchedule A\nEXCEPTIONS TO SELLER\u2019S REPRESENTATIONS AND WARRANTIES\n[**NTD: Add exceptions at Closing, including attaching updatedExhibits and Schedules, as needed.**]", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 172, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "f15dc724-3eac-4a6a-8345-22f3096dbb6e": {"__data__": {"id_": "f15dc724-3eac-4a6a-8345-22f3096dbb6e", "embedding": null, "metadata": {"page_label": "344", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "08ff94be-2817-4f97-867a-6a9ec61dde97", "node_type": "4", "metadata": {"page_label": "344", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "56426aacd0268d5d769ab0912920aaacd77e5714077169a10c576fdc08feb33e", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 66\nEXHIBIT E\nFORM OFCERTIFICATE OF NON-FOREIGN STATUS\nSection 1445 of the Internal Revenue Code provides that a transferee (buyer) of a U. S. real property interest must withhold tax ifthe transferor (seller) is a foreign person. For U.S. tax purposes (including Section 1445), the owner of a disregarded entity (which haslegal title to a U.S. real property interest under local law) will be the transferor of the property and not the disregarded entity. To informthe transferee (buyer) that withholding of tax is not required upon the disposition of a U.S. real property interest in that certain propertylocated at _________________, __________ (\u201cProperty\u201d) by ____________, a ____________  (\u201cTransferor\u201d), Transferor certifies thefollowing:\n1.    Transferor is not a foreign corporation, foreign partnership, foreign trust, or foreign estate (as those terms are defined in theInternal Revenue Code and Income Tax Regulations).\n2.    [Transferor is the sole member of ________________________, a Delaware limited liability company, which is the solemember of _______________________, a Delaware limited liability company, the record title holder of the Property.**] / [**Transferoris the record title holder of the Property.**]\n3.    Transferor\u2019s U.S. employer identification number is [**SELLER FEDERAL ID NUMBER**].\n4.    Transferor\u2019s office address is:\nc/o [**Seller\u2019s Address**]\n5.    Transferor is not a disregarded entity as defined in Section 1.1445-2(b)(2)(iii) of the Income Tax Regulations.\n6.    Transferor understands that this certification may be disclosed to the Internal Revenue Service by the transferee (buyer) andthat any false statement contained herein could be punished by fine, imprisonment, or both.\nUnder penalties of perjury, Transferor declares that it has examined this certification and to the best of its knowledge and belief itis true, correct and complete, and further declares that it has the authority to sign this document.\nExecuted as of the ___ day of _________, 20__, at _____________, _________________.\n If Seller is disregarded for federal income tax purposes, then Transferor should be parent taxpayer and signature block should be modified accordingly.\n1\n1", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2205, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "0a85b799-2b8b-4332-b2c0-4f9a4cd9ceb3": {"__data__": {"id_": "0a85b799-2b8b-4332-b2c0-4f9a4cd9ceb3", "embedding": null, "metadata": {"page_label": "345", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "4877e883-d597-430f-9693-57fca01d2cc9", "node_type": "4", "metadata": {"page_label": "345", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "2dd70e67cdd5e7412c1c84fda8b8c8ee7a2191edc9edce51f360a435024a4373", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 67\nTRANSFEROR:\n[**Signature Block**]", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 41, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "bd8f2fe6-4cac-42da-9183-a355517d6fbd": {"__data__": {"id_": "bd8f2fe6-4cac-42da-9183-a355517d6fbd", "embedding": null, "metadata": {"page_label": "346", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "8d5f240c-389d-4842-9851-b2eadf1a8c8f", "node_type": "4", "metadata": {"page_label": "346", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "524b511d1b7d88860b3cc62e57c03678ecc3072f296e99c8592c15417818f819", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 68\nEXHIBIT F\nFORM OFSELLER TITLE CERTIFICATE\nOWNER\u2019S AFFIDAVIT\nThe undersigned Affiants (defined herein), being first duly sworn, hereby makes the following affidavit to[____________________] (\u201cTitle Company\u201d) in connection with the transaction identified as follows:\nAFFIANT:        __________________________________________________\n ROPERTY:    __________________________________________________\n OMMITMENT:     [____________________] Title Commitment No. ____________________, bearing a commitment date of_________________.\n1. Affiant is the __________________ of ____________________________, a _______________________ (the \u201cOwner\u201d), and as the______________ of the Owner, has full knowledge of the matters set forth herein.\n2. Owner is owner in fee simple of the Property and there are no other parties who are in possession, or who have or claim a right to bein possession, of any part of Property, except as may be set forth on Exhibit [___] attached hereto, and Owner has no knowledge ofany unrecorded easements.\n3. No person has furnished any labor, services, or materials in connection with the construction or repair of any buildings orimprovements on any of the Property within the last ninety (90) days; there are no unpaid amounts due for any labor, material, orservices in connection with the construction or repair of any improvements on any of the Property, or with respect to the Propertyitself, that could form the basis of a lien thereon; and Owner has not received any notice of intention to file or record a lien inconnection with any of the Property.\n4. As an inducement to the Title Company, to insure over any matters attaching or created during the \u201cgap\u201d in time between theCommitment date and the recording of the appropriate deed with respect to the Property, Owner has not and will not execute andinstruments that would adversely affect the interest to be insured.\n5. There are no open mortgages filed of record wherein the Property is being used as collateral that are not being satisfied at closing.\n6. This Affidavit is given with the understanding and intention that the Title Company shall rely thereon in issuing the title insurancepolicy which is based on the Commitment.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2213, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "5aecbc6d-0951-4b02-9257-ddf0acabfaaf": {"__data__": {"id_": "5aecbc6d-0951-4b02-9257-ddf0acabfaaf", "embedding": null, "metadata": {"page_label": "347", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "f15bcbf1-3bff-46dd-a465-2a348e0745eb", "node_type": "4", "metadata": {"page_label": "347", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "791f7fc7b8e1cc05f594342616f61eb9a1032235faa30a9975037e3697f61f39", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 69\n[Signature appears on following page]", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 45, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "ab90472d-d8c4-44f5-b634-18e102546a7c": {"__data__": {"id_": "ab90472d-d8c4-44f5-b634-18e102546a7c", "embedding": null, "metadata": {"page_label": "348", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "782d4c1e-5edf-4686-a5e2-601dc4bac956", "node_type": "4", "metadata": {"page_label": "348", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f031016725e1a0b0c1164cc43c4be99123861ad2499be75a8da1dacfb7e8e190", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 70\n                            AFFIANT:\n_________________________________________________\nSTATE OF FLORIDACOUNTY OF _________________\nThe foregoing instrument was sworn to and subscribed before me by means of \u2610  physical presence or \u2610  online notarization this_____ day of ______, 2024, by _______________________ who is personally known to me or who have produced____________________________ as identification.\n[NOTARIAL SEAL]    Print Name:____________________________Notary Public, State of FloridaCommission# __________________________My Commission Expires: _________________", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 584, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "75e963d3-c811-418c-b4e9-e02ff9158bdc": {"__data__": {"id_": "75e963d3-c811-418c-b4e9-e02ff9158bdc", "embedding": null, "metadata": {"page_label": "349", "file_name": "AIZ 10K - 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Pursuant to that certain agreement captioned \u201cPURCHASE AND SALE AGREEMENT\u201d dated as of __________, betweenSeller and Buyer (as amended, the \u201cPurchase Agreement\u201d), Seller has agreed to sell to Buyer certain improved real property located inthe County of Miami-Dade, State of Florida. Except as otherwise indicated, each capitalized term used herein will have the meaning setforth for the same in the Purchase Agreement.\nB.    The Purchase Agreement requires the delivery of this Closing Certificate.\nNOW, THEREFORE, pursuant to the Purchase Agreement, Buyer agrees as follows:\n1.    Except as specifically set forth in Schedule A attached, Buyer represents and warrants to Seller that each of therepresentations and warranties of Buyer contained in the Purchase Agreement is true and correct, in all material respects, as of the datehereof as if made on and as of the date hereof.\n2.    Buyer acknowledges that:\n(a)    Except for the representations and warranties of Seller set forth in the Purchase Agreement and the ClosingDocuments, as updated and qualified by the Seller Closing Certificate, Buyer has not relied and is not relying upon any representations orwarranties by any Seller Related Party, of any kind or character whatsoever, whether express or implied, oral or written, of, as to,concerning or with respect to Seller, the Property or any other matter whatsoever in connection with the Purchase Agreement or theClosing Documents.\n(b)    Seller advised Buyer to retain an attorney to review the Purchase Agreement, all related writings and closingdocuments, and all due diligence matters accessible to Buyer; and Buyer and its attorneys have had the opportunity to review all suchmatters.\n3.    Buyer reaffirms and confirms the provisions of Section 10 of the Purchase Agreement (and, without limitation, releases andwaives the matters set forth in Section 10.2 of", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2205, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "b33108ba-24c4-4a2a-8635-72361571859d": {"__data__": {"id_": "b33108ba-24c4-4a2a-8635-72361571859d", "embedding": null, "metadata": {"page_label": "350", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "c564ba84-8079-4e71-bd49-751dee2a1fce", "node_type": "4", "metadata": {"page_label": "350", "file_name": "AIZ 10K - 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2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "a1568327-12f7-4f40-be0a-f55109adf739", "node_type": "4", "metadata": {"page_label": "352", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "ba8c5614e207662a3f35f665e3b87022e2507e4827e2295d8045ffe4ff140c61", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 74\nEXHIBIT H\nFORM OFFLORIDA CONVEYANCE AFFIDAVIT\nAFFIDAVIT OF COMPLIANCEWITH FLORIDA\u2019S CONVEYANCES TO FOREIGN ENTITIES ACT\nBefore me, a notary public, appeared ____________________ (\u201cAffiant\u201d), who deposes and states under penalties of perjurythat:\n1. Affiant is providing this affidavit in connection with the purchase by ____________________, a ____________________ (the\u201cBuyer\u201d) of the real property described on Exhibit A attached hereto and made apart hereof (the \u201cProperty\u201d).\n2.    Affiant has been given the opportunity to read the Notice Regarding Florida\u2019s Conveyances to Foreign Entities Act (the \u201cAct\u201d) and toconsult with an attorney.\n3.     The Buyer is in compliance with the Act because Buyer is [Check the applicable box]:\n[___] Not a Foreign Principal as defined in section 692.201, Florida Statutes;\nOR\n[___] A Foreign Principal as defined in section 692.201, Florida Statutes, and is in compliance with the requirements set out insection 692.202-205, Florida Statutes.\n4.     Affiant acknowledges that acquisition of the Property in violation of the Act may result in forfeiture of the Property to the State ofFlorida and criminal penalties.\n[SIGNATURE APPEARS ON THE FOLLOWING PAGE]", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1205, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "07d285c0-f73f-4688-b618-0e2570c243f5": {"__data__": {"id_": "07d285c0-f73f-4688-b618-0e2570c243f5", "embedding": null, "metadata": {"page_label": "353", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "4188dcee-53b4-4a9d-8240-f00532f92666", "node_type": "4", "metadata": {"page_label": "353", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "fd7786034e8f81cab96cda31550a177af050e1cf352bc81aa3cbca1ec58cd5c0", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 75\nFURTHER AFFIANT SAYETH NAUGHT.\n                                                                                [__________]\nSTATE OF FLORIDA        )                    ) ss:COUNTY OF ______________    )\n    The foregoing instrument was sworn to and subscribed before me by means of [ ] physical presence or [ ] online notarization, this________ day of ____________________, [2024], by ____________________, who is personally known to me or has provided_______________________ as identification (if left blank, then personally known to me).\n                        (Signature of Notary Public)                        (Typed name of Notary Public)Notary Public, State of             Commission No.:                My Commission Expires:", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 743, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "4970c868-044a-4ee2-8b9d-9ffbec407181": {"__data__": {"id_": "4970c868-044a-4ee2-8b9d-9ffbec407181", "embedding": null, "metadata": {"page_label": "354", "file_name": "AIZ 10K - 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2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "40827b36-73f2-4c26-9df8-051731d51035", "node_type": "4", "metadata": {"page_label": "355", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "4345adbc42ebfdd1e445ca4a397e9fe0942f5dfdc5f37b353740f50e4284a114", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 77\nEXHIBIT I-2\nSITE PLAN 2\n(see attached)", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 46, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "d0b36068-7136-4698-a4e4-08eef108042b": {"__data__": {"id_": "d0b36068-7136-4698-a4e4-08eef108042b", "embedding": null, "metadata": {"page_label": "356", "file_name": "AIZ 10K - 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Within fifteen (15) days after receipt by the indemnitee (\u201cIndemnitee\u201d) of notice of the Third Party Claim, Indemnitee shall, if ademand for indemnification is to be made against the indemnitor (\u201cIndemnitor\u201d) under this Agreement, give notice to Indemnitorof the same, describing with reasonable detail the material facts known to the Indemnitor relating to the Third Party Claim.However, the failure to so notify Indemnitor will not relieve Indemnitor of its obligation to indemnify Indemnitee, except to theextent that Indemnitor is prejudiced by such failure. To be entitled to indemnification under this Agreement, the demand forindemnification must be made prior to the expiration of the applicable Continuation Period.\n2.    Indemnitor shall defend the Third Party Claim with counsel reasonably satisfactory to Indemnitee (unless selected by Indemnitor\u2019sinsurance company). If Indemnitee fails to issue its disapproval to proposed counsel, or issues a disapproval without specifyingreasons therefor, within ten (10) days from Indemnitor\u2019s request for approval, then Indemnitee is deemed to have approvedproposed counsel.\n3.    Indemnitee may employ its own counsel, but the fees and expenses of such counsel will be at the expense of Indemnitee unless:(a) the employment of such counsel at Indemnitor\u2019s expense is approved by Indemnitor; or (b) Indemnitor fails to give notice toIndemnitee that Indemnitor will discharge or undertake to defend Indemnitee against the Third Party Claim within 15 days afterIndemnitee gives Indemnitor written notice of the same (in which case Indemnitor will not have the right to direct the defense ofthe Third Party Claim or of Indemnitee and Indemnitee may undertake its own defense of the matter); in either event, such feesand expenses will be borne by Indemnitor to the extent that such fees and expenses are reasonably incurred in connection with theThird Party Claim.\n4.    If at any time (a) the counsel selected by Indemnitor and accepted by Indemnitee is not defending the Third Party Claim, inaccordance with the applicable rules of professional conduct and utilizing the skills and professional judgment that arecustomarily employed in the Subject City by reputable legal counsel who are experienced in the defense of matters similar to theThird Party Claim, (b) there may be legal defenses available to Indemnitee that are different from or in addition to those availableto any Person being concurrently represented by such counsel selected by Indemnitor and accepted by Indemnitee and such legalcounsel is not timely asserting such legal defenses on behalf of Indemnitee, (c) such counsel selected by Indemnitor and acceptedby Indemnitee has a conflict of interest that would be unreasonable to waive, or (d) there is a conflict of", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3103, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "41a45410-277a-4af7-b41e-280a91764c92": {"__data__": {"id_": "41a45410-277a-4af7-b41e-280a91764c92", "embedding": null, "metadata": {"page_label": "357", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "e5c01661-6403-4031-b0fd-9b4943255545", "node_type": "4", "metadata": {"page_label": "357", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e71128949376b2c3e22c39424240e5c876cd14edcf82994a395b75c43e1a7329", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Page 79\ninterest that is not unreasonable to waive and Indemnitor or such counsel is not willing to execute and deliver a conflict waiver inform and substance reasonably satisfactory to Indemnitee, then Indemnitee may notify Indemnitor and such counsel of such fact.If, within ten (10) days after such notice is delivered, the performance of such counsel does not conform to the above standards(with respect to subparagraph (a)), or the perceived defense or conflict of interest issue is not resolved to the reasonablesatisfaction of such counsel and Indemnitee (with respect to subparagraphs (b) (c) and (d)), then within 15 days after such ten-dayperiod, Indemnitee may (x) engage new legal counsel (reasonably acceptable to Indemnitor) to undertake defense of the ThirdParty Claim, and (y) cause such new legal counsel to notify Indemnitor that it has been so engaged and that it has read and agreesto abide by the provisions of this Agreement applicable to the defense of Indemnitee. In such event, the fees and expenses of suchnew legal counsel will be borne by Indemnitor to the extent that such fees and expenses are reasonably incurred in connectionwith the Third Party Claim.\n5.    Indemnitor and Indemnitee shall reasonably cooperate (a) in the defense or prosecution of the Third Party Claim and shall (subject toconfidentiality arrangements reasonably satisfactory to each of the Parties) furnish such records, information and testimony, andattend such conferences, discovery proceedings, hearings, trials and appeals, as may be reasonably requested in connectiontherewith, and (b) so that Indemnitor, to the extent possible without negating the other provisions in this Exhibit, is not required topay for more than one counsel to represent all Indemnitees in connection with the Third Party Claim.\n6.    The Third Party Claim may not be settled without the approval of both Indemnitor and Indemnitee, which approval may not beunreasonably withheld.\n* * *\nINDEX OF DEFINED TERMS\nactual knowledge    34actually known    34Additional Deposit    1Additional Deposit Default Notice    8Additional Lien    11Additional Title Objection Notice    10Additional Title/Survey Matters    9Affiliate    41Affiliate Control Percentage    5Agreement    1Anti-Bribery, Anti-Money Laundering and Anti-Terrorism Laws    41Appurtenances    6", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2335, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "1ee71177-650e-44a7-ace1-950390062ec4": {"__data__": {"id_": "1ee71177-650e-44a7-ace1-950390062ec4", "embedding": null, "metadata": {"page_label": "358", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "fb4ce7e6-e6ed-4b50-a3a6-c35e4ef063ac", "node_type": "4", "metadata": {"page_label": "358", "file_name": "AIZ 10K - 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Redacted information is indicated with brackets and asterisks ([***]).\nInsider Trading Policy\nLast Revision Date: December 2024Policy Owner: [***}Policy Approver: [***]Geographic Scope: Global", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 383, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "8eb21de2-f279-4de2-9260-983ac3481755": {"__data__": {"id_": "8eb21de2-f279-4de2-9260-983ac3481755", "embedding": null, "metadata": {"page_label": "362", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "827acdfa-6bd2-48da-8a7b-19bc94663568", "node_type": "4", "metadata": {"page_label": "362", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "8bd488df32115f3b01793f7ca8228ca9c4d2fbafdee76bcf6d523c2c38af88dd", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "This Insider Trading Policy, including the Addendum (collectively, this \u201cPolicy\u201d), applies to (i) all directors of Assurant, Inc. (\u201cAssurant\u201d) and (ii) allemployees, consultants and independent contractors of Assurant or its subsidiaries (collectively, the \u201cCompany\u201d; all such persons, collectively,\u201cCompany Insiders\u201d). Assurant will comply with all applicable rules and regulations with respect to trading in its own securities.\nThis Policy has been updated as of December 2024 and supersedes all previous policies of the Company concerning insider trading.\nIt is your obligation to read, understand and comply with this Policy.\nOur Policy\nPolicy Statement\nNo Company Insider who is aware of material nonpublic information relating to the Company or its securities may, directly or indirectly, includingthrough family members or other persons or entities as described below:\n\u2022 buy, sell, gift or engage in any other transaction involving Company securities, or\n\u2022 recommend the purchase or sale of Company securities based on that information, share that information with others or otherwise \u201ctip\u201d othersbased on that information.\nThis prohibition does not apply to transactions pursuant to a pre-approved Rule 10b5-1 Plan (as defined and described below).\nNo Mitigating Circumstances\nTransactions that may appear necessary or justifiable for independent reasons (such as the need to raise money for a personal financial emergency),or small transactions, are not exempt from this Policy.\nApplication to Family Members, Households and Controlled Entities\nReferences in this Policy to \u201cCompany Insiders\u201d and \u201ccovered persons\u201d include anyone who lives in your household, as well as any family membersor entities whose transactions in Company securities are directed by you or are subject to your influence or control. You are responsible for makingsure that these other persons and entities comply with this Policy.\nApplication to Information of Another Company\nWhen you have material nonpublic information about another company or its securities learned through your employment or position with theCompany (such as a customer or supplier of the Company or a company that is negotiating a major transaction with the Company), or when you havematerial\n Transfers of Company securities from one account to another, each owned and controlled solely by the same Company Insider, are exempt fromthis Policy.\n1\n1\n2", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2405, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "bb3aa0af-2408-4e0b-8af5-0ea144c0ec66": {"__data__": {"id_": "bb3aa0af-2408-4e0b-8af5-0ea144c0ec66", "embedding": null, "metadata": {"page_label": "363", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "0ec0a473-28bf-49b7-af5e-88913f49a179", "node_type": "4", "metadata": {"page_label": "363", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "73a6202c838595d86e5f6ac8b04e4f433398d533ef11dd33592dbf035476c4bf", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "nonpublic information about the Company that could reasonably be expected to affect the securities of another, unrelated company, you may nottrade in the securities of that other company.\nUnauthorized Disclosure\nYou should treat all information that you receive about the Company as confidential and proprietary to the Company, unless the disclosure is (i)authorized by the Company, (ii) required by law or an order of a court or other regulatory or governmental body or (iii) voluntarily shared with the U.S.Securities and Exchange Commission (the \u201cSEC\u201d) concerning possible securities laws violations. In addition, you are prohibited from disclosing anyCompany-related nonpublic information via social media. Only authorized individuals may respond to inquiries by the media, investment analysts orothers in the financial community.\nDefinition of Material Nonpublic Information\nMaterial Information\nIn general, information is material if there is a substantial likelihood that a reasonable investor would consider it important in making a decision to buy,hold, sell or gift a security. Any information, whether positive or negative, that could reasonably be expected to affect the Company\u2019s stock priceshould be considered material. Some examples of information that would ordinarily be regarded as material are:\n\u2022 Earnings guidance or key earnings metrics, including changes in previously released earnings guidance or metrics;\u2022 Earnings that are inconsistent with analysts\u2019 consensus expectations;\u2022 A pending or proposed merger, acquisition, tender offer, acquisition or disposition of significant assets, or offering of additional securities;\u2022 Important business developments, such as the development of a significant new product or service, the gain or loss of a significant contract,customer or supplier, a cybersecurity incident or breach, or the impact of a major reportable catastrophe;\u2022 Actual or threatened major litigation, or the resolution of such litigation;\u2022 Significant reputational, regulatory or legislative developments affecting the Company;\u2022 A change in or other significant development regarding executive management, in particular the CEO;\u2022 A significant change in capital deployment priorities, including share repurchases and dividends; and\u2022 The existence of financial liquidity problems or impending bankruptcy.\nWhen Information is Public\nInformation is considered to be available to the public only after (1) it has been released broadly to the marketplace (such as by press release,webcast conference or a filing with the SEC and (2) the investing public has had time to absorb the information fully, which generally means one totwo business days after the information has been released.\n Regulators have prosecuted insider trading violations where an employee or insider has traded in the stock of another related company based on materialnonpublic information learned in connection with their employment or role as an insider.\n2\n2\n3", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2964, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "8d5baabe-df6b-4d35-8f7c-f41043adba72": {"__data__": {"id_": "8d5baabe-df6b-4d35-8f7c-f41043adba72", "embedding": null, "metadata": {"page_label": "364", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "76243119-80aa-42ab-9939-c04e41429c1a", "node_type": "4", "metadata": {"page_label": "364", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "2d966941fc7de1e15ca95437886654428ae23af8829abd57a4aec0413310a838", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Definition of Securities of the Company\nReferences to securities of the Company include the common stock of Assurant and any other securities issued by Assurant or its subsidiaries (suchas debt securities), as well as derivative securities relating to Assurant.\nRule 10b5-1 Plans\nIn general, Rule 10b5-1 provides an affirmative defense to insider trading for transactions executed in accordance with a trading plan (a \u201cRule 10b5-1Plan\u201d) entered into when the Company Insider does not have material nonpublic information about the Company or its securities. Rule 10b5-1 Plansmust comply with applicable rules and regulations in order to benefit from the defense, including the waiting period between entry into the plan andthe first trade under such plan.Rule 10b5-1 Plans entered into, modified or terminated by certain Company Insiders, along with the underlying transactions, must be publiclydisclosed.\nPre-approval Procedures for Rule 10b5-1 Plans\nThe Company requires that all Company Insiders entering into, modifying or terminating a Rule 10b5-1 Plan receive pre-approval of such plan from aSecurities Officer (as defined below).\nAt least five business days prior to the proposed entry into, modification or termination of a Rule 10b5-1 Plan, you must submit a request for pre-approval to [***]. The request must include: (1) a copy of the proposed Rule 10b5-1 Plan, modification or termination details, and (2) confirmation thatyou do not possess any material nonpublic information about the Company or its securities. Assurant\u2019s Law Department will conduct an analysis andseek any necessary internal approvals. A Securities Officer (or his or her designee) will contact you to confirm or deny the request for pre-approval.\nThe Securities Officers are under no obligation to pre-approve any trading plan and may determine not to pre-approve such plan. If pre-approved,Assurant\u2019s Law Department will work with your broker to complete any required documentation from the Company.\nAdditional Guidance\nBefore engaging in any transaction, you should carefully consider how enforcement authorities and others might view the transaction in hindsight andconsult with a Securities Officer if you have any questions.\n\u2022 Long-Term Equity Incentive Plan\no This Policy does apply to any sale of the underlying stock.o This Policy does not apply to the exercise of a tax withholding right pursuant to which you elect to have the Company withhold stock tosatisfy tax withholding requirements.\n\u2022 401(k) Plan\no This Policy does apply to certain elections you may make under your 401(k) plan, including to (1) increase or decrease your payrolldeduction or the percentage of your or the Company\u2019s contributions that will be allocated to the Assurant stock fund and (2) borrow\n4", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2764, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "a5d12462-ea25-4a7d-ba62-4504e489431f": {"__data__": {"id_": "a5d12462-ea25-4a7d-ba62-4504e489431f", "embedding": null, "metadata": {"page_label": "365", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "9e3d17db-4e9a-45a1-b3fa-b00474634f6b", "node_type": "4", "metadata": {"page_label": "365", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "731679fefe24076a76e114b728de7b3e96cc7ef43e707c59de02d9ee51c94540", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "money against your 401(k) plan account if the loan will result in a liquidation of some or all of your Assurant stock fund balance.o This Policy does not apply to purchases of Company securities in your 401(k) plan resulting from your periodic contribution pursuant toyour payroll deduction election.\n\u2022 Employee Stock Purchase Plan\no This Policy does apply to any investment decision in the plan (including initial enrollments, withdrawals and changes in contributions) andto your sales of Company securities purchased under the plan.o This Policy does not apply to automatic re-enrollments and to purchases of Company securities in the employee stock purchase planresulting from your periodic or lump sum contribution of money to the plan pursuant to the election you made at the time of yourenrollment in the plan.\n\u2022 Dividend Reinvestment Plan\no This Policy does apply to voluntary purchases of Company securities resulting from additional contributions you make to a dividendreinvestment plan and to your election to participate or increase participation in the plan. In addition, this Policy does apply to your sale ofany Company securities purchased pursuant to the plan.o This Policy does not apply to purchases of Assurant stock under a dividend reinvestment plan resulting from your reinvestment ofdividends paid on such stock.\nHedges, Pledges, Margin Accounts and Other Speculative Trading Activities\nYou are prohibited from engaging in hedging transactions involving Company securities, holding Company securities in a margin account or pledgingCompany securities as collateral for a loan. In addition, you may not engage in short-term or speculative transactions in the Company\u2019s securities,including buying or selling put or call options, or selling Company stock short.\nPost-Termination Transactions\nIf you are in possession of material nonpublic information about the Company or its securities when your employment with or service to the Companyterminates, you may not trade in Company securities until that information has become public or is no longer material.\nThe Consequences of an Insider Trading Violation\nThe SEC, the Department of Justice and the New York Stock Exchange each investigate and prosecute insider trading. Cases have beensuccessfully prosecuted against trading by Company Insiders including through foreign accounts, trading by family members and friends, and tradinginvolving only a small number of securities.\nThe consequences of an insider trading violation can be severe:\n\u2022 Traders and Tippers: Company Insiders who engage in insider trading or tipping can be liable for significant criminal and civil penalties,including (1) a jail term, (2) criminal fines (no matter how small the profit), (3) civil penalties and (4) disgorgement of profits.\n\u2022 Controlling Person Liability: If the Company, or its directors, officers and other supervisory personnel, fail to take appropriate steps toprevent illegal insider trading, they can be liable\n5", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2979, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "d21ac4d5-cab7-4dbd-91b2-121774c99746": {"__data__": {"id_": "d21ac4d5-cab7-4dbd-91b2-121774c99746", "embedding": null, "metadata": {"page_label": "366", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "ebaf2675-6b2b-46ce-a3ee-284221621794", "node_type": "4", "metadata": {"page_label": "366", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "2df388b8ef5b615b399deec425b2772468223d5111098b20585437fbcc64e1a9", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "for significant penalties, including (1) a civil penalty and (2) a criminal penalty for individuals and for the Company.\n\u2022 Company-Imposed Sanctions: Failure to comply with this Policy may also subject Company Insiders to Company-imposed sanctions,including dismissal for cause, whether or not the failure to comply results in a violation of law.\n\u2022 Reputation: An insider trading violation, or even an investigation that does not result in prosecution, can tarnish one's reputation andirreparably damage a career.\nContact Us\nAnyone who has a question about this Policy or its application to any proposed transaction may obtain additional guidance from [***], [***] [***] and/or[***], [***] [***] (each, a \u201cSecurities Officer\u201d). You may also email [***].\nThe Securities Officers are authorized to deviate from the procedures set forth in this Policy (including the Addendum) so long as those deviations donot contravene the general purpose of this Policy and applicable securities laws. Waivers or exceptions to this Policy may be granted by theSecurities Officers only under exceptional circumstances and following the necessary internal approvals.\nWhile the Company has adopted this Policy to help Company Insiders avoid the severe consequences associated with violations of insider tradinglaws, you are ultimately responsible for your own trading and disclosure of information relating to the Company.\nCertification or Acknowledgement of this Policy\nIn addition to completing insider trading training programs periodically administered by the Company, all Company Insiders (or, in the case of aconsultant or other independent contractor, an authorized representative from such consultant or contractor) must certify or acknowledge theirunderstanding of and intent to comply with the Insider Trading Policy, including the pre-clearance procedures and blackout period restrictions asapplicable.\n6", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1896, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "6b3d1497-123b-489a-9f65-9df13304c3aa": {"__data__": {"id_": "6b3d1497-123b-489a-9f65-9df13304c3aa", "embedding": null, "metadata": {"page_label": "367", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "577ef024-d224-48b8-b0c7-58f0bdb64454", "node_type": "4", "metadata": {"page_label": "367", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "0b58b1e459454efff79bb5746b6d8b11a3a90b7d95c3235b4844242516c5ef15", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "ADDENDUM TO INSIDER TRADING POLICY\nPre-clearance Procedures andBlackout Period Restrictions\nTo help prevent inadvertent violations of insider trading laws and to avoid the appearance of transacting on the basis of material nonpublicinformation, this Addendum contains additional procedures and restrictions applicable to all Company Insiders that are listed on a separate Scheduleof Covered Persons (\u201ccovered persons\u201d). The Schedule of Covered Persons shall not be deemed to be a part of this Policy.\nThe Schedule of Covered Persons shall be maintained by Assurant\u2019s Law Department, who will review the list periodically and amend it from time totime as appropriate.\nPre-clearance Procedures\nIf you are a covered person, you may not engage in any transaction (including gifts) involving the Company's securities at any time without firstobtaining pre-clearance from a Securities Officer.\nPre-clearance Procedures for All Covered Persons\nAt least three business days prior to the proposed transaction date, you must submit a request for pre-clearance by email to [***]. The request mustinclude: (1) the type and number of Company securities subject to the proposed transaction, (2) the proposed transaction date, (3) your broker\u2019scontact information and (4) confirmation that you do not possess any material nonpublic information about the Company or its securities. Assurant\u2019sLaw Department will conduct any necessary analysis and seek any necessary internal approvals. A Securities Officer (or his or her designee) willcontact you to confirm or deny the request for pre-clearance.\nAdditional Guidance\n\u2022 No Obligation to Pre-clear. The Securities Officers are under no obligation to pre-clear a proposed transaction. If pre-clearance is denied, theSecurities Officers are not obligated to provide a reason for the denial, and you must refrain from initiating the proposed transaction and maynot inform any other person of the denial.\n\u2022 Effectiveness. Any pre-clearance that is granted will generally be effective for three business days, during which the transaction may takeplace, unless you become aware of material nonpublic information during this time. Transactions not effected within the pre-clearance periodare again subject to pre-clearance procedures.\n\u2022 Withdrawal of Pre-clearance Approval. A Securities Officer may withdraw a pre-clearance approval upon the occurrence of a material event ordevelopment, with such withdrawal being effective immediately.\nIndividual Responsibility. Pre-clearance is not a defense to an insider trading violation, it is not legal advice and it in no way relieves you of yourown legal obligation to refrain from transacting in the\n7", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2674, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "dfb17f90-95c3-41ee-9707-3d1c4e79a4dc": {"__data__": {"id_": "dfb17f90-95c3-41ee-9707-3d1c4e79a4dc", "embedding": null, "metadata": {"page_label": "368", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "20883027-cf2b-4219-a718-c21152c056c9", "node_type": "4", "metadata": {"page_label": "368", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "b64ea1b449921974511ac0f72d86793220c7914e85aef18d29c8d4360c1b9211", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Company\u2019s securities while in possession of material nonpublic information. You are ultimately responsible for your own trading.\nBlackout Period Restrictions\nBlackout Period Restrictions\n\u2022 Quarterly Blackout Periods. All covered persons are prohibited from transacting in the Company's securities during the period generallybeginning one week prior to the end of Assurant\u2019s fiscal quarter or fiscal year and generally ending after the second full business dayfollowing Assurant\u2019s issuance of its quarterly earnings release.\n\u2022 Event-specific Blackout Periods. From time to time, an event may occur that is material to the Company and is known by only a few CompanyInsiders, including the issuance of interim earnings guidance. So long as the event remains material and nonpublic, Company Insiders whoare aware of the event may not transact in the Company's securities. An event-specific blackout may last for a long time.\no The existence of an event-specific blackout will not be announced, other than to those who are aware of the event giving rise to theblackout. Any Company Insider made aware of the existence of an event-specific blackout may not disclose this information to any otherperson. The failure of the Securities Officers to designate a person as being subject to an event-specific blackout will not relieve thatperson of the obligation not to trade while aware of material nonpublic information.\nAdditional Guidance\nYou will be notified of the start and end of the blackout period. If you are subject to blackout period restrictions when your employment with or serviceto the Company terminates, you may not trade in Company securities until the expiration of such blackout period.\nException for Pre-Approved Rule 10b5-1 Plans\nInformation on the pre-approval procedures for entry into a Rule 10b5-1 Plan are set forth above in this Policy. Trades by Company Insiders in theCompany\u2019s securities that are executed pursuant to an approved Rule 10b5-1 Plan are not subject to additional pre-clearance procedures or blackoutperiod restrictions set forth above.", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 2070, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "05d3eaaf-f91f-4823-8908-36ba76748817": {"__data__": {"id_": "05d3eaaf-f91f-4823-8908-36ba76748817", "embedding": null, "metadata": {"page_label": "369", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "f56c0af1-2ea8-4f85-99c8-4090aa67d7ed", "node_type": "4", "metadata": {"page_label": "369", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "5fafdc1fe2306b61aaef4bd0817a77bb2ceaa0b4edc36006b7e59e9f605c1b8a", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Exhibit 21 \nAssurant, Inc. Subsidiaries as of December 31, 2024\nSubsidiary Name Jurisdiction ofOrganization D/B/A (if applicable)\nABI International Cayman Islands\nABIG Holding de Espana, S.L. Spain\nACAP Delaware Insurance Company Delaware\nAIM Acquisitions, LLC Delaware\nAIM Alexander Crossing Apartments, LLC Delaware\nAIM AWP Atlanta Apartments, LLC Delaware\nAIM Black, LLC Delaware\nAIM Blue, LLC Delaware\nAIM Glendale, LLC Delaware\nAIM Gold, LLC Delaware\nAIM Green, LLC Delaware\nAIM Haverhill Industrial, LLC Delaware\nAIM Mount Pleasant Apartments, LLC Delaware\nAIM Orange, LLC Delaware\nAIM Orchard Springs Apartments, LLC Delaware\nAIM Palm Harbor Apartments, LLC Delaware\nAIM Purple, LLC Delaware\nAIM Red, LLC Delaware\nAIM Silver, LLC Delaware\nAIM White, LLC Delaware\n8", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 771, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "bccbe810-e882-4f8b-aab3-24c13c597569": {"__data__": {"id_": "bccbe810-e882-4f8b-aab3-24c13c597569", "embedding": null, "metadata": {"page_label": "370", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "fa2e2c8c-c228-43dc-b329-34faa68cc669", "node_type": "4", "metadata": {"page_label": "370", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "76f12e5a8552e5fad9f909c06fa0a20f7f026654fc2364b13e9ac21d0ff052ac", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "AIM Yellow, LLC Delaware\nAlegre Pty Ltd Australia\nAmerican Bankers General Agency, Inc. 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Colombia\nAssurant Commercial Mortgage Depositor, LLC Delaware\nAssurant Da\u00f1os Mexico S.A. Mexico", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1089, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "04b3cd49-fd23-4af5-9d2b-a864fd71b861": {"__data__": {"id_": "04b3cd49-fd23-4af5-9d2b-a864fd71b861", "embedding": null, "metadata": {"page_label": "371", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "29f3c57f-1e69-4869-9911-cc6849c137e3", "node_type": "4", "metadata": {"page_label": "371", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "856ab2be8c6aa9ab947a71a6f83ec4eeecea639d1ac359830cd26b3d7ae9c7f4", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Assurant Dealer Services, Inc. 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Italy\nAssurant Japan KK Japan", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 939, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "27ecdbb7-9bef-4f2a-b4e9-e5ac32082b85": {"__data__": {"id_": "27ecdbb7-9bef-4f2a-b4e9-e5ac32082b85", "embedding": null, "metadata": {"page_label": "372", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "4e2d3913-aed8-44f4-b86d-a35374110c35", "node_type": "4", "metadata": {"page_label": "372", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "82b668259c2df4e38d8c7419a7f9df3c3c8b0a5b83a31559dcb63f8f8a08822f", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Assurant Korea, Inc. South Korea\nAssurant, S.A. de C.V. Mexico\nAssurant Seguradora S.A. Brazil\nAssurant Service Protection, Inc. Oklahoma\nAssurant Services Argentina, S.A. Argentina\nAssurant Services Australia Pty Limited Australia\nAssurant Services Canada Inc./Services Assurant Canada Inc. Ontario, Canada\nAssurant Services Colombia S.A. Colombia\nAssurant Services de Chile, SpA Chile\nAssurant Services Hong Kong Limited Hong Kong\nAssurant Services Italia s.r.l. Italy\nAssurant Services Japan GK Japan\nAssurant Services of Puerto Rico, Inc. Puerto Rico\nAssurant Solutions Comercio e Servicos de Equipamentos Electronicos Ltda. Brazil\nAssurant Solutions Holding Puerto Rico, Inc. Puerto Rico\nAssurant Solutions Spain, S.A. Spain\nAssurant Vida Mexico S.A. Mexico\nAssurant Warranty Solutions (India) Private Limited India\nAutomotive Insurance Purchasing Group, Inc. Texas\nAutomotive Warranty Services of Florida, Inc. Florida\nAutomotive Warranty Services, Inc. Delaware Alabama Warranty Services, Inc.;West Virginia Warranty Services, Inc.\nAWS Warranty Service of Quebec, Inc. Ontario, Canada", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1091, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "6aeb7146-7c81-482f-9b28-18e76549e275": {"__data__": {"id_": "6aeb7146-7c81-482f-9b28-18e76549e275", "embedding": null, "metadata": {"page_label": "373", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "58ba4cd0-9928-40cb-b48e-08744d980af7", "node_type": "4", "metadata": {"page_label": "373", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "e930f8d06e7e4853f8fd3048ac18e4192695f5e1de2fe372f1c52da126188426", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "AWS Warranty Services of Canada, Inc. 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Rosen Non-Executive Board Chair and DirectorElaine D. Rosen\n/s/ Rajiv Basu DirectorRajiv Basu\n/s/ J. Braxton Carter DirectorJ. Braxton Carter\n/s/ Harriet Edelman DirectorHarriet Edelman\n/s/ Sari Granat DirectorSari Granat\n/s/ Lawrence V. Jackson DirectorLawrence V. Jackson\n/s/ Debra J. Perry DirectorDebra J. Perry\n/s/ Ognjen Redzic DirectorOgnjen Redzic\n/s/ Paul J. Reilly DirectorPaul J. Reilly\n/s/ Kevin Warren DirectorKevin Warren", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 1909, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "b8e50f8d-dbfe-4b5f-a403-3a5c02acfa15": {"__data__": {"id_": "b8e50f8d-dbfe-4b5f-a403-3a5c02acfa15", "embedding": null, "metadata": {"page_label": "380", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "36a5db0c-4f3e-487b-9359-e5410b5cb9a9", "node_type": "4", "metadata": {"page_label": "380", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "f8b57f078b8e1b0259dec5cbf34d53cd034e4aa74f86a1c414eb290367db30a9", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Exhibit 31.1\n \nCERTIFICATIONS\n \nI, Keith W. Demmings, certify that:\n \n1. I have reviewed this annual report on Form 10-K of Assurant, Inc. for the period ended December 31, 2024;\n \n2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statementsmade, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;\n \n3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financialcondition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;\n \n4. The registrant\u2019s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange ActRules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:\n \n(a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure thatmaterial information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly duringthe period in which this report is being prepared;\n \n(b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, toprovide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance withgenerally accepted accounting principles;\n \n(c) Evaluated the effectiveness of the registrant\u2019s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of thedisclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and\n \n(d) Disclosed in this report any change in the registrant\u2019s internal control over financial reporting that occurred during the registrant\u2019s most recent fiscal quarter(the registrant\u2019s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant\u2019sinternal control over financial reporting; and\n \n5. The registrant\u2019s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant\u2019sauditors and the audit committee of the registrant\u2019s board of directors (or persons performing the equivalent functions):\n \n(a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely toadversely affect the registrant\u2019s ability to record, process, summarize and report financial information; and\n \n(b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant\u2019s internal control overfinancial reporting.\n \nDate: February 20, 2025\n/s/ Keith W. Demmings\nKeith W. 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Meier, certify that:\n \n1. I have reviewed this annual report on Form 10-K of Assurant, Inc. for the period ended December 31, 2024;\n \n2. Based on my knowledge, this report does not contain any untrue statement of a material fact or omit to state a material fact necessary to make the statementsmade, in light of the circumstances under which such statements were made, not misleading with respect to the period covered by this report;\n \n3. Based on my knowledge, the financial statements, and other financial information included in this report, fairly present in all material respects the financialcondition, results of operations and cash flows of the registrant as of, and for, the periods presented in this report;\n \n4. The registrant\u2019s other certifying officer(s) and I are responsible for establishing and maintaining disclosure controls and procedures (as defined in Exchange ActRules 13a-15(e) and 15d-15(e)) and internal control over financial reporting (as defined in Exchange Act Rules 13a-15(f) and 15d-15(f)) for the registrant and have:\n \n(a) Designed such disclosure controls and procedures, or caused such disclosure controls and procedures to be designed under our supervision, to ensure thatmaterial information relating to the registrant, including its consolidated subsidiaries, is made known to us by others within those entities, particularly duringthe period in which this report is being prepared;\n \n(b) Designed such internal control over financial reporting, or caused such internal control over financial reporting to be designed under our supervision, toprovide reasonable assurance regarding the reliability of financial reporting and the preparation of financial statements for external purposes in accordance withgenerally accepted accounting principles;\n \n(c) Evaluated the effectiveness of the registrant\u2019s disclosure controls and procedures and presented in this report our conclusions about the effectiveness of thedisclosure controls and procedures, as of the end of the period covered by this report based on such evaluation; and\n \n(d) Disclosed in this report any change in the registrant\u2019s internal control over financial reporting that occurred during the registrant\u2019s most recent fiscal quarter(the registrant\u2019s fourth fiscal quarter in the case of an annual report) that has materially affected, or is reasonably likely to materially affect, the registrant\u2019sinternal control over financial reporting; and\n \n5. The registrant\u2019s other certifying officer(s) and I have disclosed, based on our most recent evaluation of internal control over financial reporting, to the registrant\u2019sauditors and the audit committee of the registrant\u2019s board of directors (or persons performing the equivalent functions):\n \n(a) All significant deficiencies and material weaknesses in the design or operation of internal control over financial reporting which are reasonably likely toadversely affect the registrant\u2019s ability to record, process, summarize and report financial information; and\n \n(b) Any fraud, whether or not material, that involves management or other employees who have a significant role in the registrant\u2019s internal control overfinancial reporting.\n \nDate: February 20, 2025\n/s/ Keith R. Meier\nKeith R. MeierExecutive Vice President and Chief Financial Officer (Principal FinancialOfficer)", "mimetype": "text/plain", "start_char_idx": 0, "end_char_idx": 3372, "metadata_seperator": "\n", "text_template": "{metadata_str}\n\n{content}", "class_name": "TextNode"}, "__type__": "1"}, "d0672384-b90c-4073-a469-f5b130ceb36d": {"__data__": {"id_": "d0672384-b90c-4073-a469-f5b130ceb36d", "embedding": null, "metadata": {"page_label": "382", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "excluded_embed_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "excluded_llm_metadata_keys": ["file_name", "file_type", "file_size", "creation_date", "last_modified_date", "last_accessed_date"], "relationships": {"1": {"node_id": "7c3eb4d9-a994-4cb6-8608-d9e2dd5ce2ca", "node_type": "4", "metadata": {"page_label": "382", "file_name": "AIZ 10K - 2024.pdf", "file_path": "/Users/camyoung/Documents/Projects/sample-apps/assurant-chatbot/data/AIZ 10K - 2024.pdf", "file_type": "application/pdf", "file_size": 2648554, "creation_date": "2025-04-04", "last_modified_date": "2025-04-04"}, "hash": "c8384af06c82f0190381756fb4e1c240a4664c844bbea896ed8721e2cc1800b6", "class_name": "RelatedNodeInfo"}}, "metadata_template": "{key}: {value}", "metadata_separator": "\n", "text": "Exhibit 32.1 \nCERTIFICATION OF CHIEF EXECUTIVE OFFICER OFASSURANT, INC.PURSUANT TO 18 U.S.C. SECTION 1350,AS ADOPTED PURSUANT TO\u00a7 906 OF THE SARBANES-OXLEY ACT OF 2002\n \nIn connection with the annual report of Assurant, Inc. (the \u201cCompany\u201d) on Form 10-K for the period ended December 31, 2024 as filed with the Securities andExchange Commission on the date hereof (the \u201cReport\u201d), I, Keith W. Demmings, President, Chief Executive Officer and Director (Principal Executive Officer) ofthe Company, certify, pursuant to 18 U.S.C. \u00a7 1350, as adopted pursuant to \u00a7 906 of the Sarbanes-Oxley Act of 2002, that, based on my knowledge:\n1.    The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended; and\n2.    The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.\n \nDate: February 20, 2025\n \n/s/ Keith W. Demmings\nKeith W. 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SECTION 1350,AS ADOPTED PURSUANT TO\u00a7 906 OF THE SARBANES-OXLEY ACT OF 2002\nIn connection with the annual report of Assurant, Inc. (the \u201cCompany\u201d) on Form 10-K for the period ended December 31, 2024 as filed with the Securities andExchange Commission on the date hereof (the \u201cReport\u201d), I, Keith R. Meier, Executive Vice President and Chief Financial Officer (Principal Financial Officer) of theCompany, certify, pursuant to 18 U.S.C. \u00a7 1350, as adopted pursuant to \u00a7 906 of the Sarbanes-Oxley Act of 2002, that, based on my knowledge:\n1. The Report fully complies with the requirements of Section 13(a) or 15(d) of the Securities Exchange Act of 1934, as amended; and\n2. The information contained in the Report fairly presents, in all material respects, the financial condition and results of operations of the Company.\nDate: February 20, 2025\n/s/ Keith R. Meier\nKeith R. 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