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CINCINNATI FINANCIAL CORP FILES (8-K) Disclosing Regulation FD Disclosure, Financial Statements and Exhibits

Edgar Online, Inc.

Item 7.01 Regulation FD Disclosure

On December 3, 2012, Cincinnati Financial Corporation posted presentation slides in PDF format on that will be used in investor presentations beginning December 4, 2012. Exhibit 99.1 is a copy of the slides. The slides are being furnished pursuant to Item 7.01, and the information contained therein shall not be deemed "filed" for the purposes of Section 18 of the Securities Exchange Act of 1934, as amended or otherwise subject to the liabilities of that section. This report should not be deemed an admission as to the materiality of any information contained in the investor presentation slides.

Item 9.01 Financial Statements and Exhibits

(c) Exhibits

Exhibit 99.1 - Investor presentation slides

Safe Harbor Statement

This is our "Safe Harbor" statement under the Private Securities Litigation Reform Act of 1995. Our business is subject to certain risks and uncertainties that may cause actual results to differ materially from those suggested by the forward-looking statements in this report. Some of those risks and uncertainties are discussed in our 2011 Annual Report on Form 10-K, Item 1A, Risk Factors, Page 26.

Factors that could cause or contribute to such differences include, but are not limited to:

· Unusually high levels of catastrophe losses due to risk concentrations, changes

in weather patterns, environmental events, terrorism incidents or other causes

· Increased frequency and/or severity of claims

· Inadequate estimates or assumptions used for critical accounting estimates

· Recession or other economic conditions resulting in lower demand for insurance

products or increased payment delinquencies

· Declines in overall stock market values negatively affecting the company's

equity portfolio and book value

· Events resulting in capital market or credit market uncertainty, followed by

prolonged periods of economic instability or recession, that lead to:

o Significant or prolonged decline in the value of a particular security or group

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of securities and impairment of the asset(s)

o Significant decline in investment income due to reduced or eliminated dividend

payouts from a particular security or group of securities

o Significant rise in losses from surety and director and officer policies

written for financial institutions or other insured entities

· Prolonged low interest rate environment or other factors that limit the

   company's ability to generate growth in investment income or interest rate
   fluctuations that result in declining values of fixed-maturity investments,
   including declines in accounts in which we hold bank-owned life insurance
   contract assets

· Increased competition that could result in a significant reduction in the

company's premium volume

· Delays or performance inadequacies from ongoing development and implementation

   of underwriting and pricing methods or technology projects and enhancements
   expected to increase our pricing accuracy, underwriting profit and

· Changing consumer insurance-buying habits and consolidation of independent

insurance agencies that could alter our competitive advantages

· Inability to obtain adequate reinsurance on acceptable terms, amount of

reinsurance purchased, financial strength of reinsurers and the potential for

non-payment or delay in payment by reinsurers

· Difficulties with technology or data security breaches, including cyber

attacks, that could negatively affect our ability to conduct business and our

relationships with agents, policyholders and others

· Inability to defer policy acquisition costs for any business segment if pricing

and loss trends would lead management to conclude that segment could not

achieve sustainable profitability

· Events or conditions that could weaken or harm the company's relationships with

its independent agencies and hamper opportunities to add new agencies,

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resulting in limitations on the company's opportunities for growth, such as:

o Downgrades of the company's financial strength ratings

o Concerns that doing business with the company is too difficult

o Perceptions that the company's level of service, particularly claims service,

is no longer a distinguishing characteristic in the marketplace

· Actions of insurance departments, state attorneys general or other regulatory

agencies, including a change to a federal system of regulation from a

state-based system, that:

o Impose new obligations on us that increase our expenses or change the

assumptions underlying our critical accounting estimates

o Place the insurance industry under greater regulatory scrutiny or result in new

statutes, rules and regulations

o Restrict our ability to exit or reduce writings of unprofitable coverages or

lines of business

o Add assessments for guaranty funds, other insurance related assessments or

mandatory reinsurance arrangements; or that impair our ability to recover such

assessments through future surcharges or other rate changes

o Increase our provision for federal income taxes due to changes in tax law

o Increase our other expenses

o Limit our ability to set fair, adequate and reasonable rates

o Place us at a disadvantage in the marketplace

o Restrict our ability to execute our business model, including the way we

compensate agents

· Adverse outcomes from litigation or administrative proceedings

· Events or actions, including unauthorized intentional circumvention of

controls, that reduce the company's future ability to maintain effective

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internal control over financial reporting under the Sarbanes-Oxley Act of 2002

· Unforeseen departure of certain executive officers or other key employees due

   to retirement, health or other causes that could interrupt progress toward
   important strategic goals or diminish the effectiveness of certain longstanding
   relationships with insurance agents and others

· Events, such as an epidemic, natural catastrophe or terrorism, that could

hamper our ability to assemble our workforce at our headquarters location

Further, the company's insurance businesses are subject to the effects of changing social, economic and regulatory environments. Public and regulatory initiatives have included efforts to adversely influence and restrict premium rates, restrict the ability to cancel policies, impose underwriting standards and expand overall regulation. The company also is subject to public and regulatory initiatives that can affect the market value for its common stock, such as measures affecting corporate financial reporting and governance. The ultimate changes and eventual effects, if any, of these initiatives are uncertain.

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