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I find that almost all agents and a high proportion of insurance carrier employees possess inadequate knowledge of insurance carrier surplus. Also, many

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Cautionary Note Regarding Forward-Looking Statements. Additionally, numerous other important factors could also cause results and events to differ materially from those expressed or implied by forward-looking statements, including, without limitation: adverse changes in mortality, morbidity, lapsation or claims experience, inadequate risk analysis...

The following discussion and analysis of financial condition and results of operations of MBIA Inc. should be read in conjunction with the other sections of this Form 10- K. In addition, this discussion and analysis of financial condition and results of operations includes statements of the opinion of MBIA Inc.' s management which may be forward-looking...

The objectives of our Management's Discussion and Analysis of Financial Condition and Results of Operations are to provide users of our consolidated financial statements with the following:. The following discussion should be read in conjunction with our consolidated financial statements in Item 8 of this Report and the matters described under Item 1 A....