Innovative product suite, sophisticated pricing, efficient claims management, and strong brand reputation Dominant presence in homeowners' multiperil and private passenger auto Top management's track record of diligent strategic planning, expertise, and experience, as well as sophisticated financial management Fair diversification in property/casualty (P/C)--93% of gross premiums written--and life products S&P Global Ratings' ratings on Allstate Corp. and its operating subsidiaries reflect the group's leading personal lines presence, robust underwriting and catastrophe management processes, strong brand reputation, and very strong financial position. As a major player in personal lines, Allstate relies on its sophisticated pricing models and reserving processes to identify adverse trends and take swift action, which has enabled it to produce consistent results. We view Allstate's capital adequacy as
