附件99.2投資者副刊2022年第一季度本文所列的簡明綜合財務報表和財務證據未經審計，應與最近的Form 10-K年度報告和Form 10-Q季度報告中包含的合併財務報表及其附註一併閲讀。不應將臨時期間的業務成果視為全年預期成果的指標。這些財務報表和證物中使用的不是基於公認會計原則(“非公認會計原則”)的計量用星號(*)表示。這些計量在“非GAAP計量的定義”中定義，並與本文中最直接可比的公認會計原則(“GAAP”)計量相一致。好事達公司
簡明綜合經營報表1分部業績13收益貢獻2每股普通股賬面價值和債務對資本3分部業績和其他統計數據14強制5分部業績15分部業績6全州保護盈利指標7投資頭寸和結果16淨利率變化對保費的影響8投資頭寸和業績策略17汽車盈利指標9汽車統計10 18，19全州品牌汽車狀態盈利11房主盈利指標12 20非GAAP衡量指標詞彙項目在第一次使用時用脱字符(^)表示。好事達健康和福利投資公司和其他財產責任保護好事達公司投資者補充-2022年第一季度綜合運營保護服務目錄
March 31, 2022 Dec. 31, 2021 Sept. 30, 2021 June 30, 2021 March 31, 2021 10,981$ 10,852$ 10,615$ 10,444$ 10,307$ 469 459 460 447 455 560 587 536 494 555 594 847 764 974 708 (267) 266 105 287 426 12,337 13,011 12,480 12,646 12,451 7,822 7,804 8,264 7,207 6,043 - - - 29 - 269 278 277 252 242 1,612 1,602 1,582 1,545 1,523 1,902 1,956 1,890 1,683 1,731 (247) (240) 40 (134) (310) 12 25 23 71 51 87 109 109 105 53 83 84 69 91 86 11,540 11,618 12,254 10,849 9,419 797 1,393 226 1,797 3,032 151 281 20 362 626 646 1,112 206 1,435 2,406 - (321) 325 196 (3,793) 646 791 531 1,631 (1,387) (10) (26) (7) 6 (6) 656 817 538 1,625 (1,381) 26 27 30 30 27 630$ 790$ 508$ 1,595$ (1,408)$ 2.27$ 3.90$ 0.62$ 4.68$ 7.88$ - (1.13) 1.11 0.66 (12.53) 2.27$ 2.77$ 1.73$ 5.34$ (4.65)$ 2.24$ 3.84$ 0.62$ 4.61$ 7.78$ - (1.11) 1.09 0.65 (12.38) 2.24$ 2.73$ 1.71$ 5.26$ (4.60)$ 278.1 285.0 293.1 298.8 302.5 281.8 289.0 297.9 303.3 306.4 0.85$ 0.81$ 0.81$ 0.81$ 0.81$ Weighted average common shares - Diluted Cash dividends declared per common share Diluted Continuing operations Discontinued operations Total Weighted average common shares - Basic Basic Continuing operations Discontinued operations Total Net income (loss) applicable to common shareholders Earnings per common share Net income (loss) Less: Net income (loss) attributable to noncontrolling interest Net income (loss) attributable to Allstate Less: Preferred stock dividends Income tax expense Net income from continuing operations Income (loss) from discontinued operations, net of tax Interest expense Total costs and expenses Income from operations before income tax expense Operating costs and expenses Pension and other postretirement remeasurement (gains) losses Restructuring and related charges Amortization of purchased intangibles Costs and expenses Property and casualty insurance claims and claims expense Shelter-in-Place Payback expense Accident, health and other policy benefits Amortization of deferred policy acquisition costs Accident and health insurance premiums and contract charges ^ Other revenue ^ Net investment income Net gains (losses) on investments and derivatives Total revenues ($ in millions, except per share data) Revenues Property and casualty insurance premiums ^ The Allstate Corporation Condensed Consolidated Statements of Operations Three months ended The Allstate Corporation 1Q22 Supplement 1
($ in millions, except per share data) March 31, 2022 Dec. 31, 2021 Sept. 30, 2021 June 30, 2021 March 31, 2021 Contribution to income Net income (loss) applicable to common shareholders 630$ 790$ 508$ 1,595$ (1,408)$ Net (gains) losses on investments and derivatives 267 (266) (105) (287) (426) Pension and other postretirement remeasurement (gains) losses (247) (240) 40 (134) (310) Reclassification of periodic settlements and accruals on non-hedge derivative instruments - (1) - - 1 Business combination expenses and the amortization of purchased intangibles 87 109 109 105 75 Business combination fair value adjustment - - - (6) - Loss on disposition of operations 16 - - - - (Income) loss from discontinued operations - 177 (235) (493) 4,163 Income tax expense (benefit) (27) 227 (100) 369 (224) Adjusted net income * 726$ 796$ 217$ 1,149$ 1,871$ Income per common share - Diluted Net income (loss) applicable to common shareholders 2.24$ 2.73$ 1.71$ 5.26$ (4.60)$ Net (gains) losses on investments and derivatives 0.95 (0.92) (0.35) (0.95) (1.39) Pension and other postretirement remeasurement (gains) losses (0.88) (0.83) 0.13 (0.44) (1.01) Reclassification of periodic settlements and accruals on non-hedge derivative instruments - - - - - Business combination expenses and the amortization of purchased intangibles 0.31 0.38 0.37 0.35 0.25 Business combination fair value adjustment - - - (0.02) - Loss on disposition of operations 0.06 - - - - (Income) loss from discontinued operations - 0.61 (0.79) (1.63) 13.59 Income tax expense (benefit) (0.10) 0.78 (0.34) 1.22 (0.73) Adjusted net income * 2.58$ 2.75$ 0.73$ 3.79$ 6.11$ Weighted average common shares - Diluted 281.8 289.0 297.9 303.3 306.4 The Allstate Corporation Contribution to Income Three months ended The Allstate Corporation 1Q22 Supplement 2
2022年3月31日2021年9月31日12月31日2021年6月30日2021年3月31日242$23,209$24,759$26,037$24279.7元284.7 292.6 301.6 304.0 75.95元81.52元84.62元86.33元81.08元21,242元23,209元24,759元26,037元24649$(995)601,830 2,167 1,680 22,237$22,608$22,929$23,870$22，279.7 284.7 292.6 301.6 304.0 79.50$79.41$78.36$79.14$75.56$7,973$7,976$7,980$7,996$7996美元31,185美元33,155美元34,709美元36,203美元34,815美元34.3%31.7%29.9%28.3%29.8%25.6%24.1%23.0%22.1%23.0%(1)(2)截至2022年3月31日和2021年12月31日，債務與所有州股東權益已發行普通股的總資本資源比率分別為275,707,503和280,594,850分別進行了分析。不包括截至2022年3月31日、2021年12月31日和2021年9月30日與優先股相關的19.7億美元股本，以及截至2021年6月30日和2021年3月31日的21.7億美元優先股權益。債務與資本資源的比率分母：普通股流通股和稀釋潛在普通股每股流通股賬面價值，不包括未實現淨資本損益對固定收益證券的影響*總債務分子：全州普通股股東權益減去：固定收益證券未實現淨資本損益調整後全州普通股股東權益每股普通股賬面價值, 不包括未實現的淨資本收益和虧損對固定收益證券的影響好事達公司每股普通股賬面價值和債務與資本分母之比：已發行普通股和稀釋潛在普通股(2)(單位：百萬美元，不包括每股數據)每股普通股賬面價值分子：好事達公司普通股股東權益(1)好事達公司第一季度22補充資料3
March 31, 2022 Dec. 31, 2021 Sept. 30, 2021 June 30, 2021 March 31, 2021 3,523$ 1,485$ 3,293$ 3,911$ 3,540$ 24,649$ 28,247$ 25,293$ 25,016$ 22,203$ 21,242 23,209 24,759 26,037 24,649 22,946$ 25,728$ 25,026$ 25,527$ 23,426$ 15.4 % 5.8 % 13.2 % 15.3 % 15.1 % 2,888$ 4,033$ 4,829$ 5,512$ 5,179$ 24,649$ 28,247$ 25,293$ 25,016$ 22,203$ 1,680 3,180 2,744 2,602 530 22,969 25,067 22,549 22,414 21,673 21,242 23,209 24,759 26,037 24,649 (995) 598 1,828 2,164 1,680 22,237 22,611 22,931 23,873 22,969 22,603$ 23,839$ 22,740$ 23,144$ 22,321$ 12.8 % 16.9 % 21.2 % 23.8 % 23.2 % (1) (2) Beginning Allstate common shareholders' equity Less: Unrealized net capital gains and losses Adjusted beginning Allstate common shareholders' equity Excludes equity related to preferred stock of $1,970 million at March 31, 2022, December 31, 2021 and September 30, 2021 and $2,170 million at June 30, 2021 and March 31, 2021. Net income applicable to common shareholders and adjusted net income reflect a trailing twelve-month period. Ending Allstate common shareholders' equity (2) Less: Unrealized net capital gains and losses Adjusted ending Allstate common shareholders' equity Average adjusted Allstate common shareholders' equity ^ Adjusted net income return on Allstate common shareholders' equity * Numerator: Adjusted net income * (1) Denominator: Return on Allstate common shareholders' equity Adjusted net income return on Allstate common shareholders' equity Beginning Allstate common shareholders' equity Ending Allstate common shareholders' equity (2) Average Allstate common shareholders' equity ^ Numerator: Net income applicable to common shareholders (1) Denominator: ($ in millions) Return on Allstate common shareholders' equity Return on Allstate Common Shareholders' Equity The Allstate Corporation Twelve months ended The Allstate Corporation 1Q22 Supplement 4
2022年3月31日2021年9月31日12月31日2021年6月30日2021年3月31日071 25 916 25 654 25 614 25 4537 165 7 159 7 138 7 111 7 090 4 8944 866 4，848 4、8164、774 312 315 319 322 325 38、442 38、256 37、959 37、863 37、642 21、968 21、972 21、951 21、920 21、824 6、536 6、525 6、4966、459 6、427 4、103 3、944 3、7033、6943、629 629 634 642 652 663 139、992 141、073 141、809 139、453 133、5103、924 3、956 3、980 4、0133,996 518 525 533 539 540 2,949 2,8023,197 3,041 2,702 147,383,356 149，519 147,046 140,748 4,4844,3334,3784,4524,522 190,309 190,945 191,856 189,361 182, 912(1)···保單計數基於項目而不是客户。AllState Health and Benefits反映的是證書計數，而不是團體計數。好事達身份保護反映了身份保護產品的個人客户數量。好事達保護計劃代表了積極的消費者產品保護計劃。好事達經銷商服務反映與汽車貸款和汽車銷售交易一起銷售的服務合同和其他產品，不包括他們的第三方管理人員(“TPA”)，因為客户關係由TPA管理。PIF不反映我們向客户提供的貸方保險產品的銀行關係，包括火災、房屋和洪水產品，以及汽車的抵押品保護保險和擔保資產保護產品。多車客户將生成多個項目(保單)計數，即使所有汽車都在一個保單下投保。共享經濟協議的商業線路PIF反映的是涵蓋多個司機的合同，而不是單個司機的合同。AllState Roadside反映了有效的會員資格，不包括他們的批發合作伙伴，因為客户關係由批發合作伙伴管理。全州身份保護全州健康和福利全州有效保護服務全州保護計劃全州經銷商服務全州路邊房主全國普通汽車業主其他個人專線商業線路全州品牌汽車有效保單統計(以千為單位)(1)全州保護汽車業主全州公司有效政策全州公司1Q22補編5
March 31, 2022 Dec. 31, 2021 Sept. 30, 2021 June 30, 2021 March 31, 2021 10,761$ 10,301$ 10,966$ 10,323$ 9,768$ (258) 121 (672) (312) (280) (5) (32) (135) (2) 408 10,498 10,390 10,159 10,009 9,896 347 366 365 321 385 (7,702) (7,683) (8,145) (7,103) (5,945) - - - (29) - (1,348) (1,345) (1,346) (1,319) (1,303) (1,445) (1,507) (1,477) (1,313) (1,325) (12) (32) (15) (66) (32) (58) (76) (75) (71) (19) 280$ 113$ (534)$ 429$ 1,657$ (462)$ (528)$ (1,269)$ (952)$ (590)$ (621) (642) (563) (558) (553) 73.3 73.9 80.2 71.0 60.1 (4.4) (5.1) (12.5) (9.5) (6.0) (1.5) (1.8) (1.6) 0.2 (0.1) 67.4 67.0 66.1 61.7 54.0 24.0 25.0 25.1 24.7 23.2 (0.5) (0.7) (0.8) (0.7) (0.1) 23.5 24.3 24.3 24.0 23.1 (3.3) (2.9) (3.2) (3.1) (3.2) (0.1) (0.3) (0.1) (0.6) (0.3) - - - (0.2) - 20.1 21.1 21.0 20.1 19.6 5.9 6.2 5.5 5.6 5.6 26.0 27.3 26.5 25.7 25.2 97.3 98.9 105.3 95.7 83.3 (4.4) (5.1) (12.5) (9.5) (6.0) (1.5) (1.8) (1.6) 0.2 (0.1) (0.5) (0.7) (0.8) (0.7) (0.1) 90.9 91.3 90.4 85.7 77.1 - - 1.2 - 0.1 251$ 174$ (311)$ 414$ 1,515$ 29 (62) (112) 15 138 2 3 2 2 7 282 115 (421) 431 1,660 (2) (2) (113) (2) (3) 280$ 113$ (534)$ 429$ 1,657$ 558$ 804$ 710$ 931$ 673$ (175) (195) (26) (283) (475) (10) (27) (7) 6 (6) (58) (76) (75) (71) (19) Net income (loss) attributable to noncontrolling interest, after-tax Amortization of purchased intangibles Run-off Property-Liability Total underwriting income (loss) for Property-Liability Other financial information Net investment income Income tax expense on operations (1) Underwriting income (loss) Allstate brand National General Answer Financial Total underwriting income for Allstate Protection Effect of amortization of purchased intangibles Underlying combined ratio * Effect of Run-off Property-Liability on combined ratio Claims expense ratio excluding catastrophe expense ^ Adjusted expense ratio * Combined ratio Effect of catastrophe losses Effect of prior year non-catastrophe reserve reestimates Underlying expense ratio * Effect of advertising expense Effect of restructuring and related charges Effect of Coronavirus related expenses ^ Adjusted underwriting expense ratio * Underlying loss ratio * Expense ratio ^ Effect of amortization of purchased intangibles Claims expense excluding catastrophe expense ^ Operating ratios and reconciliations to underlying ratios Loss ratio Effect of catastrophe losses Effect of prior year non-catastrophe reserve reestimates Amortization of purchased intangibles Underwriting income (loss) (1) Catastrophe losses Claims and claims expense Shelter-in-Place Payback expense Amortization of deferred policy acquisition costs Operating costs and expenses Restructuring and related charges (Increase) decrease in unearned premiums Other Premiums earned Other revenue ($ in millions, except ratios) Premiums written The Allstate Corporation Property-Liability Results Three months ended The Allstate Corporation 1Q22 Supplement 6
March 31, 2022 Dec. 31, 2021 Sept. 30, 2021 June 30, 2021 March 31, 2021 7,562$ 6,864$ 7,171$ 6,818$ 7,012$ 2,401 2,680 3,004 2,722 2,083 504 517 584 579 476 294 240 207 204 197 10,761$ 10,301$ 10,966$ 10,323$ 9,768$ 7,081$ 7,019$ 6,912$ 6,883$ 6,809$ 2,603 2,602 2,522 2,411 2,392 531 532 521 519 505 283 237 204 196 190 10,498$ 10,390$ 10,159$ 10,009$ 9,896$ (147)$ (300)$ (159)$ 394$ 1,327$ 410 335 (277) (7) 268 18 121 40 39 33 (22) (77) (54) (25) (2) 21 33 27 28 27 2 3 2 2 7 282$ 115$ (421)$ 431$ 1,660$ 619$ 641$ 560$ 556$ 552$ 73.3 73.9 79.0 71.0 60.0 (4.4) (5.1) (12.5) (9.5) (6.0) (1.5) (1.8) (0.4) 0.2 - 67.4 67.0 66.1 61.7 54.0 24.0 25.0 25.1 24.7 23.2 (0.5) (0.7) (0.8) (0.7) (0.1) 23.5 24.3 24.3 24.0 23.1 (3.3) (2.9) (3.2) (3.1) (3.2) (0.1) (0.3) (0.2) (0.6) (0.3) - - - (0.2) - 20.1 21.1 20.9 20.1 19.6 97.3 98.9 104.1 95.7 83.2 90.9 91.3 90.4 85.7 77.1 5.9 6.2 5.5 5.6 5.6 (1) (2) Adjusted underwriting expense ratio * Combined ratio Underlying combined ratio * Claims expense ratio excluding catastrophe expense Effect of amortization of purchased intangibles Underlying expense ratio * Effect of advertising expense Effect of restructuring and related charges Effect of Coronavirus related expenses Effect of catastrophe losses Effect of prior year non-catastrophe reserve reestimates Underlying loss ratio * Expense ratio Homeowners (2) Claims expense excluding catastrophe expense Operating ratios and reconciliations to underlying ratios Loss ratio Other personal lines Commercial lines Other business lines ^ Answer Financial Total Commercial lines Total Underwriting income (loss) Auto (1) 2021 results include certain National General commercial lines insurance products. 2021 results include National General packaged policies, which include auto, and commercial lines insurance products. ($ in millions, except ratios) Premiums written The Allstate Corporation Allstate Protection Profitability Measures Three months ended Auto (1) Homeowners (2) Other personal lines Commercial lines Total Net premiums earned Auto (1) Homeowners (2) Other personal lines The Allstate Corporation 1Q22 Supplement 7
Number of locations (1) Total brand (%) (2) (3) Location specific (%) (4) Number of locations Total brand (%) (3) Location specific (%) 28 3.6 9.3 25 2.9 7.1 17 1.4 4.8 11 1.0 6.7 24 1.9 4.6 22 2.4 5.7 4 1.2 8.3 13 1.0 7.1 Number of locations Total brand (%) Location specific (%) Number of locations Total brand (%) Location specific (%) 20 0.3 2.1 9 (0.3) (2.3) 10 0.3 4.2 7 0.5 3.7 13 2.5 5.6 7 0.1 1.6 8 1.1 6.2 7 0.5 7.7 (1) (2) (3) (4) Refers to the number of U.S. states, the District of Columbia or Canadian provinces where rate changes have been implemented. Allstate brand operates in 50 states, the District of Columbia, and 5 Canadian provinces. National General operates in 50 states and the District of Columbia. Auto Homeowners Represents the impact in the locations where rate changes were implemented during the period as a percentage of its respective total prior year-end premiums written in those same locations. Total Allstate brand implemented auto insurance rate increases totaled $862 million in the first quarter of 2022, after implementing $702 million of rate increases in the fourth quarter of 2021. Represents the impact in the locations where rate changes were implemented during the period as a percentage of total brand prior year-end premiums written. Allstate brand Auto Homeowners National General The Allstate Corporation Three months ended December 31, 2021 Three months ended June 30, 2021 Three months ended September 30, 2021 National General Auto Homeowners Allstate brand Auto Homeowners Three months ended March 31, 2022 Allstate Protection Impact of Net Rate Changes Implemented on Premiums Written The Allstate Corporation 1Q22 Supplement 8
March 31, 2022 Dec. 31, 2021 Sept. 30, 2021 June 30, 2021 March 31, 2021 7,562$ 6,864$ 7,171$ 6,818$ 7,012$ 7,081 7,019 6,912 6,883 6,809 (147) (300) (159) 394 1,327 77.6 78.9 76.9 68.7 57.2 (0.6) (1.3) (2.9) (2.2) (0.4) (2.1) (2.1) (1.1) 0.4 0.2 74.9 75.5 72.9 66.9 57.0 24.5 25.4 25.4 25.6 23.3 (0.6) (0.7) (0.7) (0.7) (0.2) 23.9 24.7 24.7 24.9 23.1 102.1 104.3 102.3 94.3 80.5 (0.6) (1.3) (2.9) (2.2) (0.4) (2.1) (2.1) (1.1) 0.4 0.2 (0.6) (0.7) (0.7) (0.7) (0.2) 98.8 100.2 97.6 91.8 80.1 - - - 0.4 - 6,308$ 5,937$ 6,153$ 5,952$ 6,060$ 6,073 6,029 6,009 6,036 6,014 (137) (236) (123) 364 1,203 102.3 103.9 102.0 94.0 80.0 99.3 100.4 97.5 92.0 79.6 1,254$ 927$ 1,018$ 866$ 952$ 1,008 990 903 847 795 (10) (64) (36) 30 124 101.0 106.5 104.0 96.5 84.4 95.4 99.0 97.7 89.8 83.8 (1) Premiums written Net premiums earned Underwriting income (loss) Combined ratio Excludes 3.4 points in the first quarter of 2022 and 4.6 points, 5.0 points, 5.5 points, and 1.1 points in the fourth, third, second, and first quarters of 2021, respectively, related to the effect of amortization of purchased intangibles. Underlying combined ratio * (1) Net premiums earned Underwriting income (loss) Combined ratio Underlying combined ratio * National General Underlying combined ratio * Effect of Shelter-in-Place Payback expense on combined and expense ratios Allstate brand Premiums written Underlying expense ratio * Combined ratio Effect of catastrophe losses Effect of prior year non-catastrophe reserve reestimates Effect of amortization of purchased intangibles Effect of catastrophe losses Effect of prior year non-catastrophe reserve reestimates Underlying loss ratio * Expense ratio Effect of amortization of purchased intangibles Premiums written Net premiums earned Underwriting income (loss) Operating ratios and reconciliations to underlying ratios Loss ratio ($ in millions, except ratios) Allstate Protection The Allstate Corporation Auto Profitability Measures Three months ended The Allstate Corporation 1Q22 Supplement 9
March 31, 2022 Dec. 31, 2021 Sept. 30, 2021 June 30, 2021 March 31, 2021 964 829 932 926 929 718 504 516 495 542 Total 1,682 1,333 1,448 1,421 1,471 599 544 610 620 613 631 436 447 435 455 452 353 391 366 403 Total 1,682 1,333 1,448 1,421 1,471 626 610 604 600 607 87.5 87.2 87.2 87.1 86.7 18.4 21.5 16.6 47.3 (18.8) Property damage gross claim frequency ^ (% change year-over-year) Renewal ratio ^ (%) Exclusive agency channel Direct channel Independent agency channel Allstate Protection by brand Allstate brand National General brand Allstate Protection by channel Average premium - gross written ^ ($) Allstate brand The Allstate Corporation Auto Statistics Three months ended New issued applications (in thousands) ^ The Allstate Corporation 1Q22 Supplement 10
Number of States(2) Total brand premium (%) Location specific (%) (3) Number of States Total brand premium (%) Location specific (%) 28 26.8 5.8 26 29.2 5.9 8 10.7 10.0 11 14.9 5.4 15 62.5 10.9 14 55.9 8.2 Number of States Total brand premium (%) Location specific (%) Number of States Total brand premium (%) Location specific (%) 24 27.5 - 44 85.5 (2.3) 13 19.1 0.2 3 10.9 - 14 53.4 4.2 4 3.6 - (1) (2) (3) Represents the impact in the locations where rate changes were implemented during the period as a percentage of its respective total prior year- end premiums written in those same locations. Reflects 50 U.S. states plus District of Columbia. Allstate brand excluding Esurance and Canada. Underlying combined ratio* 100 The Allstate Corporation Three months ended December 31, 2021 Three months ended June 30, 2021 Three months ended September 30, 2021 >100 Underlying combined ratio*
March 31, 2022 Dec. 31, 2021 Sept. 30, 2021 June 30, 2021 March 31, 2021 2,401$ 2,680$ 3,004$ 2,722$ 2,083$ 2,603 2,602 2,522 2,411 2,392 410 335 (277) (7) 268 60.4 61.7 85.9 76.3 64.9 (14.8) (16.6) (38.0) (30.3) (20.7) 0.1 - (0.6) 0.3 (0.2) 45.7 45.1 47.3 46.3 44.0 23.8 25.4 25.1 24.0 23.9 (0.5) (0.9) (0.8) (0.8) (0.2) 23.3 24.5 24.3 23.2 23.7 84.2 87.1 111.0 100.3 88.8 (14.8) (16.6) (38.0) (30.3) (20.7) 0.1 - (0.6) 0.3 (0.2) (0.5) (0.9) (0.8) (0.8) (0.2) 69.0 69.6 71.6 69.5 67.7 235 225 259 258 220 27 25 28 27 22 262 250 287 285 242 201 194 225 226 195 23 22 24 22 16 38 34 38 37 31 262 250 287 285 242 2,020$ 2,225$ 2,452$ 2,313$ 1,727$ 2,210 2,152 2,080 2,032 2,008 368 350 (208) 7 262 83.3 83.7 110.0 99.7 87.0 66.7 65.8 67.5 66.6 63.3 1,554 1,489 1,443 1,404 1,360 86.2 87.0 87.1 87.3 87.0 (4.6) 1.4 3.4 10.4 19.3 25.4 15.0 15.0 8.3 1.4 381$ 455$ 552$ 409$ 356$ 393 450 442 379 384 42 (15) (69) (14) 6 89.3 103.3 115.6 103.7 98.4 81.9 88.0 91.0 84.7 90.6 (1) Paid claim severity ^ (%) Combined ratio National General Excludes 2.8 points in the first quarter of 2022, 4.6 points, 4.1 points, 4.8 points, and 1.0 points in the fourth, third, second, and first quarters of 2021, respectively, related to the effect of amortization of purchased intangibles. Premiums written Net premiums earned Underwriting income (loss) Combined ratio Underlying combined ratio * (1) Underlying combined ratio * Net premiums earned Average premium - gross written ($) Renewal ratio (%) Underwriting income (loss) Gross claim frequency (%) Allstate brand Allstate brand National General brand Premiums written Total Allstate Protection by channel Total Exclusive agency channel Direct channel Independent agency channel Underlying combined ratio * New issued applications (in thousands) Allstate Protection by brand Underlying expense ratio * Combined ratio Effect of catastrophe losses Effect of prior year non-catastrophe reserve reestimates Effect of amortization of purchased intangibles Effect of catastrophe losses Effect of prior year non-catastrophe reserve reestimates Underlying loss ratio * Expense ratio Effect of amortization of purchased intangibles Premiums written Net premiums earned Underwriting income (loss) Operating ratios and reconciliations to underlying ratios Loss ratio ($ in millions, except ratios) Allstate Protection The Allstate Corporation Homeowners Profitability Measures Three months ended The Allstate Corporation 1Q22 Supplement 12
March 31, 2022 Dec. 31, 2021 Sept. 30, 2021 June 30, 2021 March 31, 2021 630$ 716$ 651$ 692$ 583$ 483$ 462$ 456$ 435$ 411$ 94 91 85 88 90 41 42 46 46 41 9 11 10 12 10 (123) (124) (122) (109) (103) (221) (214) (206) (194) (181) (218) (227) (209) (203) (198) - (2) 1 (4) (9) (12) (9) (16) (15) (12) Less: net income attributable to noncontrolling interest - 1 - - - 53 29 45 56 49 6 6 7 7 8 - 2 (1) 4 9 12 9 16 15 12 71$ 46$ 67$ 82$ 78$ 429$ 519$ 439$ 467$ 388$ 313$ 298$ 295$ 279$ 260$ 329 314 311 295 275 (77) (80) (77) (70) (66) (119) (113) (109) (100) (91) (80) (88) (80) (70) (61) - (1) (2) (2) - (10) (8) (11) (11) (12) Less: net income attributable to noncontrolling interest - 1 - - - 43$ 23$ 32$ 42$ 45$ 135$ 135$ 129$ 130$ 123$ 9 9 7 10 8 65$ 61$ 64$ 60$ 59$ 2 - 1 2 4 62$ 62$ 62$ 64$ 64$ (1) (1) 1 1 2 36$ 34$ 31$ 32$ 31$ - (2) 4 1 (10) (1) Revenue Adjusted net income (loss) Other costs and expenses ^ Restructuring and related charges Adjusted net income is the GAAP segment measure. Income tax expense on operations Adjusted net income Allstate Dealer Services Revenue Adjusted net income Allstate Roadside Revenue Adjusted net income Arity Revenue Adjusted net income (loss) Allstate Identity Protection Net premiums written Net premiums earned Revenue ^ Claims and claims expense Amortization of deferred policy acquisition costs Depreciation Restructuring and related charges Income tax expense on operations Adjusted earnings before taxes, depreciation and restructuring * Allstate Protection Plans Amortization of deferred policy acquisition costs Operating costs and expenses Restructuring and related charges Income tax expense on operations Adjusted net income (1) Net premiums earned Other revenue Intersegment insurance premiums and service fees Net investment income Claims and claims expense ($ in millions) Protection Services Net premiums written The Allstate Corporation Protection Services Segment Results Three months ended The Allstate Corporation 1Q22 Supplement 13
March 31, 2022 Dec. 31, 2021 Sept. 30, 2021 June 30, 2021 March 31, 2021 438$ 429$ 436$ 421$ 428$ 31 30 24 26 27 95 111 85 83 80 17 18 18 19 19 (269) (278) (277) (252) (242) (43) (43) (30) (32) (39) (202) (205) (206) (186) (190) - - (8) (1) - (14) (14) (9) (16) (18) 53$ 48$ 33$ 62$ 65$ (8) (9) (8) (8) (9) 55.7 % 58.6 % 58.5 % 54.6 % 51.2 % 266$ 262$ 251$ 255$ 263$ 94 90 90 87 83 109 107 119 105 109 469$ 459$ 460$ 447$ 455$ (1) Group health ^ Individual health ^ Total Reflects commission revenue, administrative fees, agency fees and technology fees from the group health and individual health business. Interest credited to contractholder funds Benefit ratio ^ Premiums and contract charges Employer voluntary benefits ^ Amortization of deferred policy acquisition costs Operating costs and expenses Restructuring and related charges Income tax expense on operations Adjusted net income ^ Premiums Contract charges Other revenue (1) Net investment income Accident, health and other policy benefits ($ in millions) Allstate Health and Benefits The Allstate Corporation Allstate Health and Benefits Segment Results and Other Statistics Three months ended The Allstate Corporation 1Q22 Supplement 14
March 31, 2022 Dec. 31, 2021 Sept. 30, 2021 June 30, 2021 March 31, 2021 24$ 19$ 1$ 2$ -$ 10 14 26 12 6 (59) (57) (41) (28) (32) - 9 (1) - (10) (83) (83) (69) (91) (86) 23 22 19 23 26 (26) (27) (30) (30) (27) (111)$ (103)$ (95)$ (112)$ (123)$ Preferred stock dividends Adjusted net loss ^ Net investment income Operating costs and expenses Restructuring and related charges Interest expense Income tax benefit on operations ($ in millions) Other revenue The Allstate Corporation Corporate and Other Segment Results Three months ended The Allstate Corporation 1Q22 Supplement 15
March 31, 2022 Dec. 31, 2021 Sept. 30, 2021 June 30, 2021 March 31, 2021 40,745$ 42,136$ 39,989$ 42,825$ 40,594$ 5,315 7,061 3,807 3,059 3,154 855 821 752 786 902 7,977 8,018 7,578 7,073 6,367 4,344 4,009 6,428 5,516 6,017 2,532 2,656 3,286 3,311 3,042 61,768$ 64,701$ 61,840$ 62,570$ 60,076$ 267$ 278$ 279$ 290$ 301$ 36 49 24 13 14 8 12 9 12 10 292 506 438 651 378 2 2 1 1 1 40 56 50 48 41 645 903 801 1,015 745 (51) (56) (37) (41) (37) 594$ 847$ 764$ 974$ 708$ 2.6 % 2.8 % 2.8 % 2.9 % 3.1 % (127)$ 137$ 80$ 115$ 246$ (11) (44) (12) 12 2 (447) 178 (9) 163 167 318 (5) 46 (3) 11 (267)$ 266$ 105$ 287$ 426$ 0.9 % 1.3 % 1.2 % 1.6 % 1.2 % (3.1) (0.5) (0.2) 0.7 (1.8) (0.6) 0.3 - 0.3 0.4 (2.8) % 1.1 % 1.0 % 2.6 % (0.2) % 3.8 4.2 4.8 4.6 4.8 3.1 3.8 4.6 4.6 4.9 Valuation-interest bearing Valuation-equity investments Total Fixed income securities portfolio duration ^ (in years) Valuation change and settlements of derivatives Total Total return on investment portfolio ^ Net investment income Net gains (losses) on investments and derivatives, pre-tax by transaction type Sales Short-term investments Other investments Investment income, before expense Less: Investment expense Net investment income Investment Position and Results The Allstate Corporation Pre-tax yields on fixed income securities ^ Net investment income Fixed income securities Fixed income securities portfolio duration including interest rate derivative positions (in years) ($ in millions) Investment position Fixed income securities, at fair value As of or for the three months ended Equity securities ^ Equity securities Mortgage loans Limited partnership interests Mortgage loans, net Limited partnership interests ^ Short-term, at fair value Other investments, net Total Credit losses Valuation change of equity investments The Allstate Corporation 1Q22 Supplement 16
March 31, 2022 Dec. 31, 2021 Sept. 30, 2021 June 30, 2021 March 31, 2021 47,480$ 48,589$ 49,386$ 51,367$ 49,422$ 4,915 6,689 3,455 2,676 2,787 548 805 486 317 298 52,943$ 56,083$ 53,327$ 54,360$ 52,507$ 6,943$ 6,726$ 6,589$ 6,327$ 5,702$ 1,882 1,892 1,924 1,883 1,867 8,825$ 8,618$ 8,513$ 8,210$ 7,569$ 296$ 316$ 319$ 330$ 331$ 26 45 17 17 15 3 4 17 9 9 325 365 353 356 355 (2) (2) (1) (1) (1) 323$ 363$ 352$ 355$ 354$ 2.4 % 2.7 % 2.7 % 2.7 % 2.8 % 248$ 378$ 400$ 552$ 330$ 72 160 48 107 60 320 538 448 659 390 (14) (22) (11) (10) (12) 306$ 516$ 437$ 649$ 378$ 14.1 % 24.2 % 21.0 % 33.0 % 20.7 % (3.8) % 0.4 % 0.3 % 1.7 % (1.1) % 4.0 6.1 5.7 8.6 6.3 13.0 % 12.9 % 12.4 % 12.1 % 11.7 % 13.9 13.9 13.2 12.1 10.8 15.0 14.0 12.4 10.7 8.5 27.7 32.6 31.4 27.3 11.1 (1) Calculations are based on consolidated results including 2021 held for sale investments. Investment income, before expense Investee level expenses Income for yield calculation Pre-tax yield Total return on investments portfolio Market-based Performance-based Internal rate of return (1) ^ Performance-based 10 year 5 year 3 year 1 year Private equity Real estate Investment Position and Results by Strategy The Allstate Corporation Income for yield calculation Pre-tax yield Performance-based Interest-bearing investments Equity securities LP and other alternative investments Investment income, before expense Investee level expenses Real estate Total Investment income Market-based Equity securities LP and other alternative investments ^ Total Performance-based ^ Private equity ($ in millions) Investment Position Market-based ^ As of or for the three months ended Interest-bearing investments ^ The Allstate Corporation 1Q22 Supplement 17
·投資和衍生品的淨損益·養老金和其他退休後重新計量損益·企業合併費用和所購無形資產的攤銷或減值·非持續業務的收入或損失·業務處置的損益·對其他重要的非經常性、不常見或非常項目的調整，在以下情況下：(A)費用或收益的性質使得在兩年內不太可能再次發生，或(B)在前兩年內沒有類似的費用或收益·這些項目的相關所得税支出或收益基礎費用比率是非公認會計準則比率，其計算方法為費用比率與購入無形資產攤銷或減值對費用比率的影響之間的差額。我們認為，該指標為投資者提供了持續業績的寶貴衡量標準，因為它揭示了可能被所購無形資產的攤銷或減值所掩蓋的趨勢。購入無形資產的攤銷或減值不包括在內，因為它與收購收購價格有關，並不代表我們的業務結果或趨勢。我們相信，在評估我們的承保業績時，投資者單獨和整體評估這些組成部分是有用的。GAAP最直接的可比性指標是費用比率。基礎費用比率不應被視為費用比率的替代品，也不能反映我們業務的整體費用比率。附表“財產負債結果”、“全州保護盈利能力衡量標準”、“汽車盈利能力衡量標準”和“房主盈利衡量標準”提供了基本費用比率的對賬。調整後的承保費用比率是非公認會計準則比率, 按費用比率與廣告費用、重組及相關費用、所購無形資產攤銷或減值及冠狀病毒相關開支對費用比率的影響之間的差額計算。我們認為，這一指標為投資者提供了持續業績的寶貴衡量標準，因為它揭示了可能被廣告費用、重組和相關費用、所購無形資產的攤銷或減值以及與冠狀病毒相關的費用所掩蓋的趨勢。廣告費用不包括在內，因為根據商業決策和競爭地位，廣告費用可能在不同時期有很大差異。重組和相關費用不包括在內，因為這些項目並不代表我們的業務結果或趨勢。與冠狀病毒相關的費用不包括在內，因為這些項目與在大流行高峯期提供的不再可用的方案有關。購入無形資產的攤銷或減值不包括在內，因為它與收購收購價有關。這些並不代表我們的業務結果或趨勢。費用的減少可以實現投資靈活性，從而推動增長。我們相信，在評估我們的承保業績時，投資者單獨和整體評估這些組成部分是有用的。GAAP最直接的可比性指標是費用比率。調整後的承保費用比率不應被視為費用比率的替代品，也不能反映我們業務的整體費用比率。調整後的費用比率是非公認會計原則比率, 其計算方法為調整後的承保費用比率與不包括巨災費用的索賠費用比率的組合。我們認為，投資者評估這一比率是有用的，這與到2024年的長期費用比率改善承諾有關。GAAP最直接的可比性指標是費用比率。調整後的費用比率不應被視為費用比率的替代品，也不能反映我們業務的整體費用比率。基礎綜合比率是非公認會計準則比率，即基礎虧損比率和基礎費用比率之和。我們相信，這一比率對投資者是有用的，管理層利用它來揭示我們的財產負債業務的趨勢，這些趨勢可能被巨災損失、上一年準備金重估以及所購無形資產的攤銷或減值所掩蓋。我們相信，在評估我們的承保業績時，投資者單獨和整體評估這些組成部分是有用的。GAAP最直接的可比性指標是合併比率。基礎綜合比率不應被視為綜合比率的替代品，也不能反映我們業務的整體承保盈利能力。附表“財產負債結果”、“汽車盈利能力指標”和“房主盈利能力指標”提供了基礎綜合比率與綜合比率的對賬。非GAAP衡量標準的定義我們認為，通過我們披露以下非GAAP衡量標準，投資者對好事達業績的瞭解得到了加強。我們計算這些指標的方法可能與其他公司使用的不同，因此可比性可能會受到限制。調整後淨收益為適用於普通股股東的淨收益(虧損), 不包括：適用於普通股股東的淨收入(虧損)是與調整後的淨收入最直接可比的公認會計準則。我們將調整後的淨收入作為評估我們經營業績的重要指標。我們認為，這一指標為投資者提供了對公司持續業績的有價值的衡量，因為它揭示了我們保險和金融服務業務的趨勢，這些趨勢可能被投資和衍生品、養老金和其他退休後重新計量損益、業務合併費用和所購無形資產的攤銷或減值、非持續業務的收益或損失、業務處置的收益或虧損、其他重要的非經常性、罕見或不尋常項目的調整以及這些項目的相關税收支出或收益的淨影響所掩蓋。投資及衍生工具的淨損益，以及退休金及其他退休後重估損益，在不同期間可能有重大差異，一般受業務決定及外部經濟發展(例如資本市場狀況)所驅動，而其時間安排與保險承保程序無關。業務合併費用、非持續業務的收入或虧損以及處置業務的收益或虧損不包括在內，因為它們是非經常性的，不包括所購無形資產的攤銷或減值，因為它與收購收購價格有關，不能反映我們的基本業務結果或趨勢。非經常性項目被排除在外，因為從它們的性質來看，它們不能代表我們的業務或經濟趨勢。相應地，, 調整後的淨收入剔除了不同時期高度可變的項目的影響，並突出了持續運營的結果和我們業務的潛在盈利能力。排除這些項目以確定調整後淨收入的一個副產品是透明度和對其對淨收入變異性和盈利能力的重要性的瞭解，同時確認這些或類似項目可能在以後的期間重複出現。調整後的淨收入與適用於普通股股東的淨收入(虧損)的其他組成部分一起被管理層用來評估我們的業績。我們在激勵性薪酬中使用調整後的淨收益的調整措施。因此，我們認為，投資者在回顧和評估我們的業績時，單獨和總體評估適用於普通股股東的淨收益(虧損)、調整後的淨收益及其組成部分是有用的。我們注意到，投資者、金融分析師、金融和商業媒體組織和評級機構利用調整後的淨收入結果來評估我們和我們行業的財務業績，並在他們的投資決策、建議和溝通中使用調整後的淨收入結果，因為它代表了對行業、公司和管理層業績的可靠、代表性和一致性的衡量。我們注意到，保險投資者通常使用的前瞻性估值技術市盈率以調整後的淨收益為分母。調整後的淨收入不應被視為適用於普通股股東的淨收益(虧損)的替代品，也不反映我們業務的整體盈利能力。適用於普通股股東的調整後淨收益與淨收益(虧損)的對賬載於附表“對收入的貢獻”。基礎損失率是非公認會計準則比率。, 這是指三個GAAP營運比率之間的差額：損失率、災難對合並比率的影響，以及上一年非巨災準備金重估對合並比率的影響。我們相信，這一比率對投資者是有用的，管理層用它來揭示可能被巨災損失和前一年儲量重估所掩蓋的趨勢。巨災損失導致我們的損失趨勢在不同時期之間有很大的不同，因為它們的發生率和規模，並可能對綜合比率產生重大影響。上一年度儲量重估是由於歷史儲量的意外損失發展造成的。我們相信，在評估我們的承保業績時，投資者單獨和整體評估這些組成部分是有用的。GAAP最直接的可比性指標是損失率。基礎損失率不應被視為損失率的替代品，也不能反映我們業務的整體損失率。附表“財產負債結果”、“全州保護盈利能力衡量標準”、“汽車盈利能力衡量標準”和“房主盈利能力衡量標準”提供了基礎損失率的對賬。好事達公司第一季度第22期增刊第18期
非GAAP衡量標準的定義(續)保護服務税項、折舊和重組前的調整後收益是一種非GAAP衡量標準，其計算方式為調整後淨收益(虧損)，不包括税項、折舊和重組。調整後淨收益(虧損)是公認會計準則中與調整後的税前、折舊和重組前收益最直接可比的指標。我們使用調整後的税前、折舊和重組前收益作為評估保護服務公司經營業績的重要指標。我們認為，這一措施為投資者提供了保護服務公司持續業績的寶貴衡量標準，因為它揭示了可能被税收、折舊和重組費用掩蓋的趨勢。税項、折舊和重組不包括在內，因為這些不能直接歸因於保護服務部門的基本經營業績。調整後的税前、折舊和重組前收益突出了持續運營的結果和我們業務的基本盈利能力，管理層將其與調整後淨收益(虧損)的其他組成部分一起用於評估我們的業績。我們認為，在審查和評估保護服務部門的業績時，投資者單獨和整體評估調整後淨收益(虧損)、調整後税前、折舊和重組前收益及其組成部分是有用的。調整後的税前、折舊和重組前收益不應被視為調整後淨收益(虧損)的替代品，也不能反映我們業務的整體盈利能力。附表中提供了調整後淨收益(虧損)與調整後税項、折舊和重組前收益的對賬。, “保護服務細分結果”。好事達普通股股東權益的調整後淨收益回報率是使用非公認會計準則衡量的比率。它的計算方法是，在剔除未實現淨資本收益和虧損的影響後，將12個月滾動調整後的淨收入除以12個月初和12個月末好事達普通股股東權益的平均值。好事達普通股股東權益回報率是公認會計準則中最直接的可比性指標。我們使用調整後的淨收入作為分子，原因與我們使用調整後的淨收入相同，如前所述。我們使用平均好事達普通股股東權益(不包括未實現淨資本收益和虧損的影響)作為分母，作為普通股股東權益的代表，主要適用於好事達的盈利和已實現業務運營，因為它消除了未實現項目的影響，這些項目因外部經濟發展(如股權價格和利率的變化)而在不同時期發生重大變化，其金額和時間與保險承保過程無關。我們使用它來補充我們對適用於普通股股東的淨收益(虧損)和好事達普通股股東權益回報率的評估，因為它排除了各個時期往往高度可變的項目的影響。我們認為，這一措施對投資者是有用的，當與好事達普通股股東權益回報率一起考慮時，它為投資者提供了一個有價值的工具，因為它消除了已實現和未實現淨資本收益和虧損的税後影響，這些淨資本收益和虧損可能會在不同時期大幅波動，並受到經濟發展的推動，其規模和時機通常不受管理層的影響。此外, 它消除了非經常性項目，這些項目不能表明我們正在進行的業務或經濟趨勢。排除上述項目以確定好事達普通股股東權益的調整後淨收益回報與好事達普通股股東權益報酬率的副產品是透明和了解它們對普通股股東權益報酬率、變異性和盈利能力的重要性，同時確認這些或類似的項目可能在隨後的時期重複出現。我們在激勵性薪酬中使用調整後的好事達普通股股東權益淨收益回報率的衡量標準。因此，我們認為，投資者在評估我們的業績時，調整好事達普通股股東權益的淨收入回報率和好事達普通股股東權益回報率是有用的。我們注意到，投資者、金融分析師、金融和商業媒體組織和評級機構利用調整後的普通股股東權益淨收益回報來評估我們和我們行業的財務表現，並在他們的投資決策、建議和溝通中使用，因為它代表了對行業、公司和管理層資本利用的可靠、代表性和一致性的衡量。好事達普通股股東權益的調整後淨收益回報不應被視為好事達普通股股東權益回報的替代品，也不能反映我們業務的整體盈利能力。好事達普通股股東權益報酬率和調整後的好事達普通股股東權益淨收益報酬率可以在“好事達普通股股東權益報酬表”中找到。普通股每股賬面價值，不包括未實現淨資本收益和虧損對固定收益證券的影響, 是使用非GAAP衡量標準的比率。其計算方法是，剔除未實現淨資本收益和虧損對固定收益證券和相關DAC的影響後，用已發行普通股總數加上稀釋潛在已發行普通股除以好事達普通股股東權益。我們使用普通股每股賬面價值的趨勢，不包括未實現淨資本收益和虧損對固定收益證券的影響，結合每股普通股賬面價值來識別和分析適用於管理工作的淨值在不同時期的變化。我們認為非GAAP比率對投資者是有用的，因為它消除了可能在不同時期大幅波動並通常受經濟發展(主要是資本市場狀況)推動的項目的影響，資本市場狀況的規模和時機通常不受管理層的影響，我們認為它通過突出潛在的業務活動和盈利驅動因素增強了對業績的理解和可比性。我們注意到，普通股每股賬面價值，不包括未實現淨資本收益和虧損對固定收益證券的影響，是保險投資者常用的一種估值方法。普通股每股賬面價值是公認會計準則中最直接的可比性指標。普通股每股賬面價值，不包括未實現淨資本收益和虧損對固定收益證券的影響，不應被視為每股普通股賬面價值的替代品，也不反映我們業務的記錄淨值。每股普通股賬面價值(不包括未實現淨資本收益對固定收益證券的影響)和每股普通股賬面價值的對賬可在附表“普通股每股賬面價值和債務與資本之比”中找到。好事達公司第一季度第22期增刊第19期
綜合業務事故和健康保險費和合同費用在好事達健康和福利部分報告，包括僱主自願福利、團體健康和個人健康產品。調整後的淨收入是用於保護服務、全州健康和福利以及公司和其他部門的GAAP部門衡量標準。平均好事達普通股股東權益和平均調整後好事達普通股股東權益採用兩個點的平均值，分別以12個月期間的期初和期末好事達普通股股東權益和好事達調整後普通股股東權益為數據點。其他收入主要是從投保人收取的與保費分期付款、銷售非專有產品的佣金、身份保護服務的銷售、收費服務和其他收入交易有關的費用。財產和意外傷害保險費在好事達保護和保護服務部門報告，包括汽車、房主、其他個人保險和商業保險產品，以及消費者產品保護計劃、路邊援助和金融和保險產品。財產負債平均保費-毛保費：毛保費除以已發行項目數量。毛保費包括折扣、附加費和分出的再保險保費的影響，但不包括中期保費調整和保費退款應計項目的影響。平均保費代表每一項保險的適當保期，一般汽車保費為6個月，房主保費為12個月。不包括巨災費用的索賠費用比率：已發生的損失調整費用，再保險淨額, 不包括與災難有關的費用。這些費用包含在損失率內。與冠狀病毒相關的費用包括就地安置還款和特別付款計劃壞賬費用。費用比率：在費用比率計算中，從其他成本和費用中減去其他收入。總索賠頻率的計算方法是，期間收到的年度通知計數(不包括與巨災事件有關的計數)除以該期間有效保單的平均值和適用的保險範圍。它包括所有實際通知計數，而不考慮它們的當前狀態(打開或關閉)或最終處置(付款關閉或關閉不付款)。總索賠頻率變化百分比的計算方法是本期總索賠頻率與上一年同期相比的增減額除以上一年的總索賠頻率。新發出的申請：在此期間發出的汽車或房主保險申請的項目計數，無論客户之前是否由其他好事達保險品牌投保。好事達品牌包括現有客户在超過保單允許的數量(目前為10輛)時添加的汽車。其他業務主要是iVantage和非專有人壽和年金產品的佣金收入和其他成本和支出。已支付索賠嚴重程度的計算方法是將已支付損失和損失費用之和除以在該期間內已結清的索賠。已支付索賠嚴重程度的變化百分比是根據本期已支付索賠嚴重程度與上一年同期相比增加或減少的金額計算的, 除以上一年支付的索賠嚴重程度。續約率：根據合同生效日期，在此期間發出的續簽保單項目數量除以通常提前6個月(對於汽車)或12個月(對於房主)發佈的總保單項目數量。好事達健康和福利投資期限衡量資產和負債對利率變化的價格敏感度。股票證券包括以固定收益證券為標的的交易所交易基金和共同基金的投資。計息投資包括固定收益證券、抵押貸款、短期投資和其他投資，包括銀行貸款和衍生品。內部收益率是我們用來評估這些投資表現的指標之一。內部回報率是指計入已支付及收到的現金流的投資回報率，以及在投資完全清盤前的估計期結束時投資持有量的估計價值。任何計量期間的計算內部收益率受投資組合在期初和期末的價值影響很大，這些價值反映了截至該日期投資的估計公允價值。因此，根據宏觀經濟或其他影響估計開始或結束投資組合價值的事件，內部收益率在不同的計量期間可能會有很大差異。, 比如全球金融危機。我們的內部回報率計算方法可能與其他投資者使用的方法不同。在財務報表中確認收入的時間可能與這些投資的現金分配和價值變化有很大不同。有限合夥利益：由於可獲得被投資方的財務報表，有限責任公司的權益會計方法的收入一般延遲三個月確認。有限責任公司和其他投資包括有限合夥權益和其他另類投資，包括歸類為其他投資的房地產投資。基於市場的投資包括被歸類為有限合夥企業的公開交易的股權證券。基於市場的戰略尋求提供符合業務需求的可預測收益，並主要通過公共和私人固定收益投資和公共股本證券利用短期機會。基於業績的戰略尋求提供有吸引力的風險調整後回報，並以特殊風險補充市場風險，主要是通過投資於私人股本和房地產，其中大部分是有限合夥企業。税前收益：季度税前收益的計算方法是投資支出前的年化季度投資收入除以本季度和上一季度期末投資餘額的平均值。年初至今税前收益率的計算方法為年化年初至今投資收益，再除以年初和年內每個季度末的平均投資餘額。就税前收益計算而言, 直接持有的房地產和其他投資的收入是被投資方水平的費用(在投資費用中報告的資產水平的運營費用)的淨值。固定收益證券投資餘額不包括未實現資本損益。權益類證券投資餘額的計算採用成本法。投資組合的總回報是根據公認會計原則的結果計算的，包括淨投資收入、投資和衍生工具的淨收益和損失、未實現淨資本損益的變化，以及抵押貸款和銀行貸款的公允價值與賬面價值之差除以平均公允價值餘額的變化。僱主自願福利包括通過工作場所登記提供的補充生活和健康產品。團體健康包括銷售給僱主的保健品和行政服務。個人健康包括直接銷售給個人的短期醫療和其他保健品。保護服務其他成本和支出可能包括遞延保單收購成本、運營成本和支出以及重組和相關費用的攤銷。收入可能包括淨保費、部門間保險費和服務費、其他收入、從外部客户獲得的收入和淨投資收入。福利比率是意外、健康和其他政策福利減去記入合同持有人基金的利息，除以保費和合同費用。好事達公司第一季度第22期增刊第20期