Harbinger Group Inc.
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SEC Filings

HRG GROUP, INC. filed this Form 10-K on 11/23/2016
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consummated or not consummated timely;
the impact of the operating restrictions in the FGL Merger Agreement and their impact on FGL;
litigation arising from the FGL Merger;
the inability of FGL’s and Front Street’s subsidiaries and affiliates to generate sufficient cash to service all of their obligations;
the ability of FGL’s and Front Street’s subsidiaries to pay dividends;
the impact of restrictions in FGL’s debt instruments on its ability to operate its business, finance its capital needs or pursue or expand its business strategies;
the accuracy of FGL’s and Front Street’s assumptions and estimates;
the accuracy of FGL’s and Front Street’s assumptions regarding the fair value and future performance of their investments;
FGL and its insurance subsidiaries’ abilities to maintain or improve their financial strength ratings;
FGL’s and Front Street’s and their insurance subsidiaries’ potential need for additional capital to maintain their financial strength and credit ratings and meet other requirements and obligations;
FGL’s and Front Street’s ability to defend themselves against or respond to, potential litigation (including class action litigation), enforcement investigations or increased regulatory scrutiny;
FGL’s and Front Street’s ability to manage their businesses in a highly-regulated industry, which is subject to numerous legal restrictions and regulations;
regulatory changes or actions, including those relating to regulation of financial services, affecting (among other things) underwriting of insurance products and regulation of the sale, underwriting and pricing of products and minimum capitalization and statutory reserve requirements for insurance companies, or the ability of FGL’s and Front Street’s insurance subsidiaries to make cash distributions to FGL or Front Street, as applicable (including dividends or payments on surplus notes FGL’s subsidiaries issue to FGL);
the impact of the newly finalized Department of Labor “fiduciary” rule on FGL, its products, distribution and business model;
the impact of the anticipated implementation of principle based reserving on FGL’s ability to write certain products, manage risk and deploy capital efficiently;
the impact of FGL’s reinsurers failing to meet or timely meet their assumed obligations, increasing their reinsurance rates, or becoming subject to adverse developments that could materially adversely impact their ability to provide reinsurance to FGL at consistent and economical terms;
restrictions on FGL’s ability to use captive reinsurers;
the impact of interest rate fluctuations on FGL and Front Street and withdrawal demands in excess of FGL’s and Front Street’s assumptions;
the impact of market and credit risks;
equity market volatility;
credit market volatility or disruption;
changes in the federal income tax laws and regulations which may affect the relative income tax advantages of FGL’s products;
increases in FGL’s and Front Street’s valuation allowance against FGL’s and Front Street’s deferred tax assets, and restrictions on FGL’s and Front Street’s ability to fully utilize such assets;
the performance of third-parties, including independent distributors, underwriters, actuarial consultants and other service providers;
interruption or other operational failures in telecommunication, information technology and other operational systems, or a failure to maintain the security, integrity, confidentiality or privacy of sensitive data residing on such systems;
the continued availability of capital required for FGL’s and Front Street’s insurance subsidiaries to grow;
the impact on FGL’s or Front Street’s business of new accounting rules or changes to existing accounting rules;
the risk that FGL’s or Front Street’s exposure to unidentified or unanticipated risk is not adequately addressed by their risk management policies and procedures;
general economic conditions and other factors, including prevailing interest and unemployment rate levels and stock and credit market performance;
FGL’s ability to protect its intellectual property;
difficulties arising from FGL’s and Front Street’s outsourcing relationships;


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