2011 annual report

Read highlights and analysis of our financial and operating results reported on an annual basis.

Changing Landscapes

The insurance industry's landscape is changing dramatically. In the past few years alone, we've seen a considerable consolidation in the industry. We're seeing significant change in distribution with the emergence of more direct writers and multi-channel distributors. With many people literally having access to the Internet in the palm of their hand, more and more insurers are serving customers online.

Full report (pdf, 2.73 mb)

2011 annual report by section:

Letters and Messages (pdf, 523 kb)
Corporate Social Responsibility (pdf, 813 kb)
Five-Year Review (pdf, 464 kb)
Management's Discussion and Analysis (pdf, 719 kb)
Financial Statements (pdf, 757 kb)
Corporate Governance (pdf, 759 kb)
In Memoriam (pdf, 435 kb)
Glossary of Terms (pdf, 452 kb)