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<item><link>http://www.alacrastore.com/storecontent/ccbn/B2455892</link><ccbn:docid xmlns:ccbn="http://www.alacra.com/ccbn">B2455892</ccbn:docid><guid isPermaLink="false">ccbn/B2455892</guid><ccbn:index_mode xmlns:ccbn="http://www.alacra.com/ccbn">norm</ccbn:index_mode><pubDate>29 Oct 2009 04:09:00 EST</pubDate><ccbn:eventid xmlns:ccbn="http://www.alacra.com/ccbn">2455892</ccbn:eventid><ccbn:headline xmlns:ccbn="http://www.alacra.com/ccbn">Edited Brief of AIZ earnings conference call or presentation, 29-Oct-09 8:00am ET</ccbn:headline><ccbn:name xmlns:ccbn="http://www.alacra.com/ccbn">Assurant, Inc.</ccbn:name><ccbn:price xmlns:ccbn="http://www.alacra.com/ccbn">106.0000</ccbn:price><ccbn:revision xmlns:ccbn="http://www.alacra.com/ccbn">Edited</ccbn:revision><ccbn:storetitle xmlns:ccbn="http://www.alacra.com/ccbn">Assurant, Inc. Q3 2009 Earnings Conference Call Summary</ccbn:storetitle><ccbn:ticker xmlns:ccbn="http://www.alacra.com/ccbn">AIZ</ccbn:ticker><ccbn:time xmlns:ccbn="http://www.alacra.com/ccbn">8:00am ET</ccbn:time><title>Assurant, Inc. Q3 2009 Earnings Conference Call Summary</title><ccbn:type xmlns:ccbn="http://www.alacra.com/ccbn">Brief</ccbn:type><description>...Jeff Schuman Keefe, Bruyette &amp; Woods - Analyst Steven Schwartz Raymond James - Analyst Edward Spehar BAS-ML - Analyst Mark Hughes SunTrust Robinson Humphrey - Analyst John Nadel Sterne, Agee &amp; Leach - Analyst Adam Klauber Fox-Pitt Kelton - Analyst...

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I'm pleased to introduce Gene Mergelmeyer, President of Assurant Specialty Property. ... insurance business and was instrumental in the firm's '## acquisition of Safeco's business. We look forward to hearing about Gene's outlook on specialty property business, as well as Assurant as a whole. Please welcome Gene. Thank you. Gene Mergelmeyer - Assurant, Inc. - President Thank you. I see we have standing room only here. That's nice. Well, certainly, let me start off by saying that it's a pleasure to be here and we thank you for your interest in Assurant. This is our Safe Harbor agreement. I'm sure you'll want to take that home and study it intently. I thought I'd start off with just a few headlines. Obviously, the economic downturn has had just unprecedented change on business across...

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(And U.S. Insurance Subsidiaries)</title><description>Fitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. 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(New York, New York)</bir:company><bir:company xmlns:bir="http://www.alacra.com/bir">Fortis Benefits Insurance Co.</bir:company><bir:company xmlns:bir="http://www.alacra.com/bir">Fortis Advisers Inc.</bir:company><bir:company xmlns:bir="http://www.alacra.com/bir">Fortis Family Insurance</bir:company><bir:cou xmlns:bir="http://www.alacra.com/bir">United States</bir:cou><pubDate>27 May 2009 06:19:00 EST</pubDate><bir:descr xmlns:bir="http://www.alacra.com/bir">Assurant Inc. formed in connection with the initial public offering of its common stock, which began trading on the New York Stock Exchange on February 5, 2004. Assurant is a premier provider of specialized insurance products and related services in North</bir:descr><bir:exch xmlns:bir="http://www.alacra.com/bir">NYSE</bir:exch><bir:naics xmlns:bir="http://www.alacra.com/bir">524114</bir:naics><bir:revenue xmlns:bir="http://www.alacra.com/bir">M</bir:revenue><bir:sic xmlns:bir="http://www.alacra.com/bir">6321</bir:sic><bir:size xmlns:bir="http://www.alacra.com/bir">I</bir:size><bir:snaics xmlns:bir="http://www.alacra.com/bir">524113</bir:snaics><bir:snaics xmlns:bir="http://www.alacra.com/bir">524126</bir:snaics><bir:snaics xmlns:bir="http://www.alacra.com/bir">524128</bir:snaics><bir:snaics xmlns:bir="http://www.alacra.com/bir">551112</bir:snaics><bir:ssic xmlns:bir="http://www.alacra.com/bir">6399</bir:ssic><bir:ssic xmlns:bir="http://www.alacra.com/bir">6311</bir:ssic><bir:ssic xmlns:bir="http://www.alacra.com/bir">6351</bir:ssic><bir:ssic xmlns:bir="http://www.alacra.com/bir">6719</bir:ssic><bir:ticker xmlns:bir="http://www.alacra.com/bir">AIZ</bir:ticker><title>Assurant Inc.</title><description>Assurant Inc. formed in connection with the initial public offering of its common stock, which began trading on the New York Stock Exchange on February 5, 2004. Assurant is a premier provider of specialized insurance products and related services in North</description><category>Company Profiles &amp; Financials</category><alacra:ip>Gale Company Profiles</alacra:ip></item><item><link>http://www.alacrastore.com/storecontent/fitch/473958_pr_frame</link><fitch:docid xmlns:fitch="http://www.alacra.com/fitch">473958_pr_frame</fitch:docid><guid isPermaLink="false">fitch/473958_pr_frame</guid><fitch:index_mode xmlns:fitch="http://www.alacra.com/fitch">html</fitch:index_mode><fitch:company xmlns:fitch="http://www.alacra.com/fitch">American Bankers Life Assurance Company of Florida</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">Assurant Inc.</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">American Bankers Life Assurance Company</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">Assurant General Insurance Limited</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">John Alden Life Insurance Company</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">Assurant Life Limited</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">Assurant Argentina Compania de Seguros S.A.</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">Time Insurance Company</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">American Security Insurance Company</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">American Memorial Life Insurance Company</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">Union Security Insurance Company</fitch:company><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">83665065</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80361371</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80361872</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80362418</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80940454</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80940457</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80360387</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80940474</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80940460</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80940469</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80940463</fitch:companyid><pubDate>11 May 2009 02:13:00 EST</pubDate><fitch:industry xmlns:fitch="http://www.alacra.com/fitch">01010300</fitch:industry><fitch:industry xmlns:fitch="http://www.alacra.com/fitch">01010308</fitch:industry><fitch:industry xmlns:fitch="http://www.alacra.com/fitch">01010306</fitch:industry><fitch:price xmlns:fitch="http://www.alacra.com/fitch">85</fitch:price><fitch:report xmlns:fitch="http://www.alacra.com/fitch">Press Release</fitch:report><fitch:ticker xmlns:fitch="http://www.alacra.com/fitch">AIZ</fitch:ticker><title>Fitch Downgrades UK Assurant to 'IFS BBB'; Outlook Negative</title><description>Fitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.</description><category>Credit &amp; Investment Research</category><alacra:ip>Fitch Research</alacra:ip></item><item><link>http://www.alacrastore.com/storecontent/ccbn/B2157116</link><ccbn:docid xmlns:ccbn="http://www.alacra.com/ccbn">B2157116</ccbn:docid><guid isPermaLink="false">ccbn/B2157116</guid><ccbn:index_mode xmlns:ccbn="http://www.alacra.com/ccbn">norm</ccbn:index_mode><pubDate>30 Apr 2009 03:09:00 EST</pubDate><ccbn:eventid xmlns:ccbn="http://www.alacra.com/ccbn">2157116</ccbn:eventid><ccbn:headline xmlns:ccbn="http://www.alacra.com/ccbn">Edited Brief of AIZ earnings conference call or presentation, 30-Apr-09 9:00am ET</ccbn:headline><ccbn:name xmlns:ccbn="http://www.alacra.com/ccbn">Assurant, Inc.</ccbn:name><ccbn:price xmlns:ccbn="http://www.alacra.com/ccbn">54.0000</ccbn:price><ccbn:revision xmlns:ccbn="http://www.alacra.com/ccbn">Edited</ccbn:revision><ccbn:storetitle xmlns:ccbn="http://www.alacra.com/ccbn">Assurant, Inc. Q1 2009 Earnings Conference Call Summary</ccbn:storetitle><ccbn:ticker xmlns:ccbn="http://www.alacra.com/ccbn">AIZ</ccbn:ticker><ccbn:time xmlns:ccbn="http://www.alacra.com/ccbn">9:00am ET</ccbn:time><title>Assurant, Inc. Q1 2009 Earnings Conference Call Summary</title><ccbn:type xmlns:ccbn="http://www.alacra.com/ccbn">Brief</ccbn:type><description>...Melissa Kivett Assurant, Inc. - SVP Investor Relations Robert Pollock Assurant, Inc. - President, CEO Craig Lemasters Assurant Solutions - President, CEO Michael Peninger Assurant, Inc. - CFO Chris Pagano Assurant, Inc. - Chief Investment Officer, Treasurer CONFERENCE CALL PARTICIPANTS...

</description><category>Credit &amp; Investment Research</category><alacra:ip>Thomson StreetEvents</alacra:ip></item><item><link>http://www.alacrastore.com/storecontent/ccbn/T2157116</link><ccbn:docid xmlns:ccbn="http://www.alacra.com/ccbn">T2157116</ccbn:docid><guid isPermaLink="false">ccbn/T2157116</guid><ccbn:index_mode xmlns:ccbn="http://www.alacra.com/ccbn">norm</ccbn:index_mode><pubDate>30 Apr 2009 10:07:00 EST</pubDate><ccbn:eventid xmlns:ccbn="http://www.alacra.com/ccbn">2157116</ccbn:eventid><ccbn:headline xmlns:ccbn="http://www.alacra.com/ccbn">Final Transcript of AIZ earnings conference call or presentation, 30-Apr-09 9:00am ET</ccbn:headline><ccbn:name xmlns:ccbn="http://www.alacra.com/ccbn">Assurant, Inc.</ccbn:name><ccbn:price xmlns:ccbn="http://www.alacra.com/ccbn">54.0000</ccbn:price><ccbn:revision xmlns:ccbn="http://www.alacra.com/ccbn">Final</ccbn:revision><ccbn:storetitle xmlns:ccbn="http://www.alacra.com/ccbn">Assurant, Inc. Q1 2009 Earnings Conference Call Transcript</ccbn:storetitle><ccbn:ticker xmlns:ccbn="http://www.alacra.com/ccbn">AIZ</ccbn:ticker><ccbn:time xmlns:ccbn="http://www.alacra.com/ccbn">9:00am ET</ccbn:time><title>Assurant, Inc. Q1 2009 Earnings Conference Call Transcript</title><ccbn:type xmlns:ccbn="http://www.alacra.com/ccbn">Transcript</ccbn:type><description>...Melissa Kivett Assurant, Inc. - SVP Investor Relations Robert Pollock Assurant, Inc. - President, CEO Craig Lemasters Assurant Solutions - President, CEO Michael Peninger Assurant, Inc. - CFO Chris Pagano Assurant, Inc. - Chief Investment Officer, Treasurer C O N F E R E N C E C A L L P A R T I C I P A N T S...

</description><category>Credit &amp; Investment Research</category><alacra:ip>Thomson StreetEvents</alacra:ip></item><item><link>http://www.alacrastore.com/storecontent/fitch/467085_pr_frame</link><fitch:docid xmlns:fitch="http://www.alacra.com/fitch">467085_pr_frame</fitch:docid><guid isPermaLink="false">fitch/467085_pr_frame</guid><fitch:index_mode xmlns:fitch="http://www.alacra.com/fitch">html</fitch:index_mode><fitch:company xmlns:fitch="http://www.alacra.com/fitch">Union Security Insurance Company</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">American Reliable Insurance Company</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">Assurant Inc.</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">Time Insurance Company</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">American Security Insurance Company</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">John Alden Life Insurance Company</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">American Memorial Life Insurance Company</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">American Bankers Life Assurance Company of Florida</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">Assurant General Insurance Limited</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">Assurant Life Limited</fitch:company><fitch:company xmlns:fitch="http://www.alacra.com/fitch">American Bankers Life Assurance Company</fitch:company><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80361371</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80361872</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80940474</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80940463</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80360387</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80940457</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80940460</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80940469</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80362418</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">87159170</fitch:companyid><fitch:companyid xmlns:fitch="http://www.alacra.com/fitch">80940454</fitch:companyid><pubDate>06 Apr 2009 06:29:00 EST</pubDate><fitch:industry xmlns:fitch="http://www.alacra.com/fitch">01010306</fitch:industry><fitch:industry xmlns:fitch="http://www.alacra.com/fitch">01010308</fitch:industry><fitch:industry xmlns:fitch="http://www.alacra.com/fitch">01010300</fitch:industry><fitch:price xmlns:fitch="http://www.alacra.com/fitch">85</fitch:price><fitch:report xmlns:fitch="http://www.alacra.com/fitch">Press Release</fitch:report><fitch:ticker xmlns:fitch="http://www.alacra.com/fitch">AIZ</fitch:ticker><title>Fitch Affirms Assurant's Ratings; Outlook Stable</title><description>Fitch Ratings is a leading global rating agency committed to providing the world's credit markets with independent, timely and prospective credit opinions. Built on a foundation of organic growth and strategic acquisitions, Fitch Ratings has grown rapidly during the past decade gaining market presence throughout the world and across all fixed income markets.</description><category>Credit &amp; Investment Research</category><alacra:ip>Fitch Research</alacra:ip></item><item><link>http://www.alacrastore.com/storecontent/moodys/COP_806919047</link><guid isPermaLink="false">moodys/COP_806919047</guid><moodys:index_mode xmlns:moodys="http://www.alacra.com/moodys">html</moodys:index_mode><moodys:docid xmlns:moodys="http://www.alacra.com/moodys">COP_806919047</moodys:docid><description>Global Credit Research Credit Opinion ## MAR ####   Credit Opinion: Assurant, Inc. Assurant, Inc. Delaware, United States Ratings Category Moody's Rating Rating Outlook STA Senior Unsecured Baa# Commercial Paper P-# American Bankers...</description><pubDate>26 Mar 2009 09:53:16 EST</pubDate><moodys:format xmlns:moodys="http://www.alacra.com/moodys">html</moodys:format><moodys:issuer xmlns:moodys="http://www.alacra.com/moodys">Assurant, Inc.</moodys:issuer><moodys:issuer_list xmlns:moodys="http://www.alacra.com/moodys">Assurant, Inc.</moodys:issuer_list><moodys:org_id xmlns:moodys="http://www.alacra.com/moodys">806919047</moodys:org_id><moodys:price xmlns:moodys="http://www.alacra.com/moodys">150.0000</moodys:price><moodys:report_class xmlns:moodys="http://www.alacra.com/moodys">News</moodys:report_class><moodys:report_type xmlns:moodys="http://www.alacra.com/moodys">Credit Opinion</moodys:report_type><title>Assurant, Inc.</title><category>Credit &amp; Investment Research</category><alacra:ip>Moody's Global Credit Research</alacra:ip></item><item><link>http://www.alacrastore.com/storecontent/moodys/LRA_806919047</link><moodys:docid xmlns:moodys="http://www.alacra.com/moodys">LRA_806919047</moodys:docid><guid isPermaLink="false">moodys/LRA_806919047</guid><moodys:index_mode xmlns:moodys="http://www.alacra.com/moodys">html</moodys:index_mode><pubDate>25 Mar 2009 08:46:00 EST</pubDate><moodys:format xmlns:moodys="http://www.alacra.com/moodys">html</moodys:format><moodys:issuer xmlns:moodys="http://www.alacra.com/moodys">Assurant, Inc.</moodys:issuer><moodys:issuer_list xmlns:moodys="http://www.alacra.com/moodys">Assurant, Inc.</moodys:issuer_list><moodys:org_id xmlns:moodys="http://www.alacra.com/moodys">806919047</moodys:org_id><moodys:price xmlns:moodys="http://www.alacra.com/moodys">300.0000</moodys:price><moodys:printdate xmlns:moodys="http://www.alacra.com/moodys">20 Sep 2009</moodys:printdate><moodys:report_class xmlns:moodys="http://www.alacra.com/moodys">Analysis</moodys:report_class><moodys:report_type xmlns:moodys="http://www.alacra.com/moodys">Liquidity Risk Assessment</moodys:report_type><moodys:sector xmlns:moodys="http://www.alacra.com/moodys">C</moodys:sector><title>Assurant, Inc.</title><description>Global Credit Research Liquidity Risk Assessment ## SEP ####   Liquidity Risk Assessment: Assurant, Inc. Assurant, Inc. Delaware, United States Broad Industry: Insurance Specific Industry: Insurance: Multi Line Short Term Rating: P-#...</description><category>Credit &amp; Investment Research</category><alacra:ip>Moody's Global Credit Research</alacra:ip></item><item><link>http://www.alacrastore.com/storecontent/ccbn/T2109682</link><guid isPermaLink="false">ccbn/T2109682</guid><ccbn:index_mode xmlns:ccbn="http://www.alacra.com/ccbn">norm</ccbn:index_mode><ccbn:docid xmlns:ccbn="http://www.alacra.com/ccbn">T2109682</ccbn:docid><description>...Good afternoon everyone and thanks for coming out to the group benefits breakout session here. I think we have got a great lineup of companies with Assurant and (inaudible) I just want to thank all the companies for coming out to AIFA and agreeing to present here in this breakout session. We have got a good lineup. Starting it off is Assurant with John Roberts. He is the President and CEO of Assurant Employee Benefits. That division represented ##% of Assurant's operating income in ####. They had more than $# billion of premiums in #### and they have really focused on the small case markets, so companies with less than ### employees. With that, let me turn it over to John. ...

</description><pubDate>02 Mar 2009 08:05:00 EST</pubDate><ccbn:name xmlns:ccbn="http://www.alacra.com/ccbn">Assurant, Inc.</ccbn:name><ccbn:price xmlns:ccbn="http://www.alacra.com/ccbn">54.0000</ccbn:price><ccbn:revision xmlns:ccbn="http://www.alacra.com/ccbn">Final</ccbn:revision><ccbn:storetitle xmlns:ccbn="http://www.alacra.com/ccbn">Assurant, Inc. at AIFA Conference Transcript</ccbn:storetitle><ccbn:ticker xmlns:ccbn="http://www.alacra.com/ccbn">AIZ</ccbn:ticker><ccbn:time xmlns:ccbn="http://www.alacra.com/ccbn">4:00pm ET</ccbn:time><title>Assurant, Inc. at AIFA Conference Transcript</title><ccbn:type xmlns:ccbn="http://www.alacra.com/ccbn">Transcript</ccbn:type><category>Credit &amp; Investment Research</category><alacra:ip>Thomson StreetEvents</alacra:ip></item><item><link>http://www.alacrastore.com/storecontent/ccbn/T2099222</link><guid isPermaLink="false">ccbn/T2099222</guid><ccbn:index_mode xmlns:ccbn="http://www.alacra.com/ccbn">norm</ccbn:index_mode><ccbn:docid xmlns:ccbn="http://www.alacra.com/ccbn">T2099222</ccbn:docid><description>... - Merrill Lynch -  Analyst-- and then lastly, there are some terminals outside as well. To kick off the conference, let me turn it over to Ed Spehar.  ...

</description><pubDate>24 Feb 2009 01:06:00 EST</pubDate><ccbn:name xmlns:ccbn="http://www.alacra.com/ccbn">Assurant, Inc.</ccbn:name><ccbn:price xmlns:ccbn="http://www.alacra.com/ccbn">54.0000</ccbn:price><ccbn:revision xmlns:ccbn="http://www.alacra.com/ccbn">Final</ccbn:revision><ccbn:storetitle xmlns:ccbn="http://www.alacra.com/ccbn">Assurant, Inc. at Merrill Lynch Insurance Investor Conference Transcript</ccbn:storetitle><ccbn:ticker xmlns:ccbn="http://www.alacra.com/ccbn">AIZ</ccbn:ticker><ccbn:time xmlns:ccbn="http://www.alacra.com/ccbn">8:00am ET</ccbn:time><title>Assurant, Inc. at Merrill Lynch Insurance Investor Conference Transcript</title><ccbn:type xmlns:ccbn="http://www.alacra.com/ccbn">Transcript</ccbn:type><category>Credit &amp; Investment Research</category><alacra:ip>Thomson StreetEvents</alacra:ip></item><item><link>http://www.alacrastore.com/storecontent/spcred/628152</link><guid isPermaLink="false">spcred/628152</guid><spcred:index_mode xmlns:spcred="http://www.alacra.com/spcred">norm</spcred:index_mode><spcred:docid xmlns:spcred="http://www.alacra.com/spcred">628152</spcred:docid><description>The latest Full Report from S&amp;P</description><spcred:dataset xmlns:spcred="http://www.alacra.com/spcred">global</spcred:dataset><pubDate>19 Feb 2009 03:04:26 EST</pubDate><spcred:price xmlns:spcred="http://www.alacra.com/spcred">400</spcred:price><title>Assurant Inc.</title><spcred:type xmlns:spcred="http://www.alacra.com/spcred">Full Report</spcred:type><spcred:index_entry_dispcountry xmlns:spcred="http://www.alacra.com/spcred">United States</spcred:index_entry_dispcountry><spcred:index_entry_dispgics xmlns:spcred="http://www.alacra.com/spcred">Multi-line Insurance</spcred:index_entry_dispgics><spcred:index_entry_dispregion xmlns:spcred="http://www.alacra.com/spcred">United States</spcred:index_entry_dispregion><spcred:index_entry_dispsector xmlns:spcred="http://www.alacra.com/spcred">Global Issuers</spcred:index_entry_dispsector><spcred:index_entry_dispsector xmlns:spcred="http://www.alacra.com/spcred">Insurance</spcred:index_entry_dispsector><spcred:index_entry_disptype xmlns:spcred="http://www.alacra.com/spcred">Full Report</spcred:index_entry_disptype><spcred:index_entry_excerpt xmlns:spcred="http://www.alacra.com/spcred">Multiple leading specialty competitive positions in underserved markets. Strong consolidated operating performance, with disciplined focus on profitable segments. Stable, diverse earnings sources through multiple legal entities, large distribution partners, and fee-based businesses. Very good financial flexibility. Potential risks of international expansion. Uncertainties related to unresolved SEC investigations and instability in senior management. Weak enterprise risk management (ERM) processes. The counterparty credit rating on Assurant Inc. reflects the company's very strong consolidated operating performance, very good financial flexibility, and strong competitive positions in diverse specialty markets. The company benefits from the scale and consolidated corporate functions of the organization as a whole, yet the distinct businesses operate mainly independently. Despite this autonomy, each is considered strategically important to the overall organization.</spcred:index_entry_excerpt><spcred:index_entry_primcountry xmlns:spcred="http://www.alacra.com/spcred">USA</spcred:index_entry_primcountry><spcred:index_entry_primcusip xmlns:spcred="http://www.alacra.com/spcred">04621X</spcred:index_entry_primcusip><spcred:index_entry_primgics xmlns:spcred="http://www.alacra.com/spcred">40301030 403010 4030 40</spcred:index_entry_primgics><spcred:index_entry_primissuer xmlns:spcred="http://www.alacra.com/spcred">Assurant Inc.</spcred:index_entry_primissuer><spcred:index_entry_primissuerid xmlns:spcred="http://www.alacra.com/spcred">118858</spcred:index_entry_primissuerid><spcred:index_entry_primreg xmlns:spcred="http://www.alacra.com/spcred">USA</spcred:index_entry_primreg><spcred:index_entry_primticker xmlns:spcred="http://www.alacra.com/spcred">AIZ</spcred:index_entry_primticker><spcred:index_entry_reporttype xmlns:spcred="http://www.alacra.com/spcred">FULL</spcred:index_entry_reporttype><spcred:index_entry_sector xmlns:spcred="http://www.alacra.com/spcred">GLOBISS</spcred:index_entry_sector><spcred:index_entry_sector xmlns:spcred="http://www.alacra.com/spcred">INS</spcred:index_entry_sector><category>Credit &amp; Investment Research</category><alacra:ip>S&amp;P Credit Research</alacra:ip></item><item><link>http://www.alacrastore.com/storecontent/spcred/628155</link><guid isPermaLink="false">spcred/628155</guid><spcred:index_mode xmlns:spcred="http://www.alacra.com/spcred">norm</spcred:index_mode><spcred:docid xmlns:spcred="http://www.alacra.com/spcred">628155</spcred:docid><description>The latest Summary from S&amp;P</description><spcred:dataset xmlns:spcred="http://www.alacra.com/spcred">global</spcred:dataset><pubDate>19 Feb 2009 03:04:26 EST</pubDate><spcred:price xmlns:spcred="http://www.alacra.com/spcred">175</spcred:price><title>Summary: Assurant Inc.</title><spcred:type xmlns:spcred="http://www.alacra.com/spcred">Summary</spcred:type><spcred:index_entry_dispcountry xmlns:spcred="http://www.alacra.com/spcred">United States</spcred:index_entry_dispcountry><spcred:index_entry_dispgics xmlns:spcred="http://www.alacra.com/spcred">Multi-line Insurance</spcred:index_entry_dispgics><spcred:index_entry_dispregion xmlns:spcred="http://www.alacra.com/spcred">United States</spcred:index_entry_dispregion><spcred:index_entry_dispsector xmlns:spcred="http://www.alacra.com/spcred">Global Issuers</spcred:index_entry_dispsector><spcred:index_entry_dispsector xmlns:spcred="http://www.alacra.com/spcred">Insurance</spcred:index_entry_dispsector><spcred:index_entry_disptype xmlns:spcred="http://www.alacra.com/spcred">Summary</spcred:index_entry_disptype><spcred:index_entry_excerpt xmlns:spcred="http://www.alacra.com/spcred">The counterparty credit rating on Assurant Inc. reflects the company's very strong consolidated operating performance, very good financial flexibility, and strong competitive positions in diverse specialty markets. The company benefits from the scale and consolidated corporate functions of the organization as a whole, yet the distinct businesses operate mainly independently. Despite this autonomy, each is considered strategically important to the overall organization. Offsetting these strengths are current management instability and weak ERM practices, as well as regulatory and litigation risks inherent in two of its business lines and potential risks of international expansion. Assurant's four distinct business segments are all profitable and make significant contributions to the consolidated organization. Consolidated pretax income was $814.1 million in the first nine months</spcred:index_entry_excerpt><spcred:index_entry_primcountry xmlns:spcred="http://www.alacra.com/spcred">USA</spcred:index_entry_primcountry><spcred:index_entry_primcusip xmlns:spcred="http://www.alacra.com/spcred">04621X</spcred:index_entry_primcusip><spcred:index_entry_primgics xmlns:spcred="http://www.alacra.com/spcred">40301030 403010 4030 40</spcred:index_entry_primgics><spcred:index_entry_primissuer xmlns:spcred="http://www.alacra.com/spcred">Assurant Inc.</spcred:index_entry_primissuer><spcred:index_entry_primissuerid xmlns:spcred="http://www.alacra.com/spcred">118858</spcred:index_entry_primissuerid><spcred:index_entry_primreg xmlns:spcred="http://www.alacra.com/spcred">USA</spcred:index_entry_primreg><spcred:index_entry_primticker xmlns:spcred="http://www.alacra.com/spcred">AIZ</spcred:index_entry_primticker><spcred:index_entry_reporttype xmlns:spcred="http://www.alacra.com/spcred">SUMMARY</spcred:index_entry_reporttype><spcred:index_entry_sector xmlns:spcred="http://www.alacra.com/spcred">GLOBISS</spcred:index_entry_sector><spcred:index_entry_sector xmlns:spcred="http://www.alacra.com/spcred">INS</spcred:index_entry_sector><category>Credit &amp; Investment Research</category><alacra:ip>S&amp;P Credit Research</alacra:ip></item></channel></rss>