Strong and diverse earnings capacity, with more than 35% of revenue coming from non-insurance operations and unregulated dividends. Conservative debt leverage and very strong fixed-charge coverage ratios. Strong affiliated advisor network distributing a wide variety of proprietary and non-proprietary financial services products. Cash flows from insurance and asset management operations are sensitive to equity market volatility. Company operates in very competitive markets. The counterparty credit rating on Ameriprise Financial Inc. reflects the company's strong balance sheet and strong cash coverage of its stable life insurance and asset management operations, supported by an innovative financial advisory distribution channel. These positive factors are somewhat offset by sensitivity to equity-market volatility and the competitive markets in which the company operates. Ameriprise Financial, Inc.
