0000021175-21-000113.txt : 20211101 0000021175-21-000113.hdr.sgml : 20211101 20211101085053 ACCESSION NUMBER: 0000021175-21-000113 CONFORMED SUBMISSION TYPE: 8-K PUBLIC DOCUMENT COUNT: 16 CONFORMED PERIOD OF REPORT: 20211101 ITEM INFORMATION: Results of Operations and Financial Condition ITEM INFORMATION: Financial Statements and Exhibits FILED AS OF DATE: 20211101 DATE AS OF CHANGE: 20211101 FILER: COMPANY DATA: COMPANY CONFORMED NAME: CNA FINANCIAL CORP CENTRAL INDEX KEY: 0000021175 STANDARD INDUSTRIAL CLASSIFICATION: FIRE, MARINE & CASUALTY INSURANCE [6331] IRS NUMBER: 366169860 STATE OF INCORPORATION: DE FISCAL YEAR END: 1231 FILING VALUES: FORM TYPE: 8-K SEC ACT: 1934 Act SEC FILE NUMBER: 001-05823 FILM NUMBER: 211365445 BUSINESS ADDRESS: STREET 1: CNA STREET 2: 151 N. FRANKLIN CITY: CHICAGO STATE: IL ZIP: 60606 BUSINESS PHONE: 3128225000 MAIL ADDRESS: STREET 1: CNA STREET 2: 151 N. FRANKLIN CITY: CHICAGO STATE: IL ZIP: 60606 8-K 1 cna-20211101.htm 8-K cna-20211101
0000021175falseCommon Stock, Par value $2.50"CNA"00000211752021-11-012021-11-010000021175exch:XNYS2021-11-012021-11-010000021175exch:XCHI2021-11-012021-11-01

UNITED STATES
SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549
FORM 8-K

CURRENT REPORT
Pursuant to Section 13 or 15(d) of The Securities Exchange Act of 1934

Date of Report (Date of earliest event reported) November 1, 2021

CNA FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)

Delaware1-582336-6169860
(State or other jurisdiction(Commission(IRS Employer
of incorporation)File Number)Identification No.)

151 N. Franklin
Chicago, IL 60606
(Address of principal executive offices) (Zip Code)
(312) 822-5000
(Registrant's telephone number, including area code)

NOT APPLICABLE
(Former name or former address, if changed since last report.)
Check the appropriate box below if the Form 8-K filing is intended to simultaneously satisfy the filing obligation of the registrant under any of the following provisions (see General Instruction A.2. below):
Written communications pursuant to Rule 425 under the Securities Act (17 CFR 230.425)
Soliciting material pursuant to Rule 14a-12 under the Exchange Act (17 CFR 240.14a-12)
Pre-commencement communications pursuant to Rule 14d-2(b) under the Exchange Act (17 CFR 240.14d-2(b))
Pre-commencement communications pursuant to Rule 13e-4(c) under the Exchange Act (17 CFR 240.13e-4(c))

Securities registered pursuant to Section 12(b) of the Act:
Title of each classTrading Symbol(s)Name of each exchange on which registered
Common Stock, Par value $2.50"CNA"New York Stock Exchange
Chicago Stock Exchange
Indicate by check mark whether the registrant is an emerging growth company as defined in Rule 405 of the Securities Act of 1933 (§230.405 of this chapter) or Rule 12b-2 of the Securities Exchange Act of 1934 (§240.12b-2 of this chapter).
Emerging growth company
If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.




ITEM 2.02 RESULTS OF OPERATIONS AND FINANCIAL CONDITION.
On November 1, 2021, the registrant issued a press release and posted on its website (www.cna.com) a financial supplement providing information on its results of operations for the third quarter 2021. The press release is furnished as Exhibit 99.1 and the financial supplement is furnished as Exhibit 99.2 to this Form 8-K.
The information under Item 2.02 and in Exhibits 99.1 and 99.2 in this Current Report is being furnished and shall not be deemed “filed” for the purpose of Section 18 of the Securities Exchange Act of 1934, as amended, or otherwise subject to the liabilities of that Section. The information under Item 2.02 and in Exhibits 99.1 and 99.2 in this Current Report shall not be incorporated by reference into any registration statement or other document pursuant to the Securities Act of 1933, as amended.

ITEM 9.01 FINANCIAL STATEMENTS AND EXHIBITS.
(d) Exhibits:
See Exhibit Index.





EXHIBIT INDEX

Exhibit No.Description
CNA Financial Corporation press release, issued November 1, 2021, providing information on the third quarter 2021 results of operations.
CNA Financial Corporation financial supplement, posted on its website November 1, 2021, providing supplemental financial information on the third quarter 2021.
104Cover Page Interactive Data File (embedded within the Inline XBRL document)




SIGNATURES

Pursuant to the requirements of the Securities Exchange Act of 1934, the registrant has duly caused this report to be signed on its behalf by the undersigned hereunto duly authorized.

CNA Financial Corporation
(Registrant)
Date:  November 1, 2021By/s/ Larry Haefner
(Signature)
Larry Haefner
Interim Chief Financial Officer



EX-99.1 2 a2021q3exhibit991.htm EX-99.1 Document

cnalogoq42019.gif

FOR IMMEDIATE RELEASE

CNA FINANCIAL ANNOUNCES THIRD QUARTER 2021
NET INCOME OF $0.94 PER SHARE AND CORE INCOME OF $0.87 PER SHARE
Net income was $256 million versus $213 million in the prior year quarter; core income was $237 million versus $193 million in the prior year quarter.
The P&C combined ratio was 100.0% compared with 100.9% in the prior year quarter, including 9.2 points of catastrophe loss compared with 8.7 points in the prior year quarter.
Net catastrophe losses were $178 million pretax versus $160 million in the prior year quarter. Net catastrophe losses in the current quarter include $114 million for Hurricane Ida.
The underlying combined ratio was 91.1%, a record low for the third consecutive quarter, compared with 92.6% in the prior year quarter. The underlying loss ratio was 60.2% compared with 60.5% in the prior year quarter and the expense ratio was 30.7% compared with 31.8% in the prior year quarter.
P&C segments, excluding third party captives, generated gross written premium growth of 10% driven by new business growth of 24%. Net written premium growth was 5% in the quarter.
P&C written rate of +8% and earned rate of +11% for the quarter.
Net investment income of $513 million pretax compared with $517 million in the prior year quarter.
In Long Term Care, there was no unlocking event as a result of the Gross Premium Valuation and core income includes a favorable impact of $31 million resulting from the annual claim reserve review.
Book value per share of $46.67; book value per share excluding AOCI of $45.39, an 8% increase from year-end 2020 adjusting for $1.89 of dividends per share.
Board of Directors declares regular quarterly cash dividend of $0.38 per share.
1



CHICAGO, November 1, 2021 --- CNA Financial Corporation (NYSE: CNA) today announced third quarter 2021 net income of $256 million, or $0.94 per share, versus $213 million, or $0.79 per share, in the prior year quarter. Core income for the quarter was $237 million, or $0.87 per share, versus $193 million, or $0.71 per share, in the prior year quarter.
Our Property & Casualty segments produced core income of $217 million for the third quarter of 2021, a decrease of $19 million compared to the prior year quarter primarily due to higher net catastrophe losses and lower net investment income partially offset by improved non-catastrophe current accident year underwriting results. The underlying combined ratio of 91.1% for the third quarter 2021 is the third consecutive quarter with a record underlying combined ratio. Property & Casualty segments, excluding third party captives, generated gross written premium growth of 10% and net written premium growth of 5%, led by new business growth of 24% and strong written rate increases of 8%.
Our Life & Group and Corporate & Other segments produced core income (loss) for the third quarter of 2021 of $41 million and $(21) million, respectively. Life & Group results for the third quarter included no unlocking event for active life reserves and a $31 million after-tax benefit due to a reduction in claim reserves from the annual claim reviews.
CNA Financial declared a quarterly dividend of $0.38 per share, payable December 2, 2021 to stockholders of record on November 15, 2021.
Results for the Three Months Ended September 30Results for the Nine Months Ended September 30
($ millions, except per share data)2021202020212020
Net income$256 $213 $936 $303 
Core income (a)
237 193 841 400 
Net income per diluted share$0.94 $0.79 $3.43 $1.11 
Core income per diluted share0.87 0.71 3.08 1.47 
September 30, 2021December 31, 2020
Book value per share$46.67 $46.82 
Book value per share excluding AOCI45.39 43.86 
(a)Management utilizes the core income (loss) financial measure to monitor the Company's operations. Please refer herein to the Reconciliation of GAAP Measures to Non-GAAP Measures section of this press release for further discussion of this non-GAAP measure.
"Our third quarter results were very strong, with core income increasing by 23% despite the elevated catastrophe losses. Our results were highlighted by the third consecutive quarter of record underlying combined ratio of 91.1%, double-digit gross written premium growth across all of our P&C business segments and excellent new business growth of 24%. Additionally, earned rate increase in the quarter was 11%, substantially above long-run loss cost trends, and we continue to achieve strong written rate increases which were 8% in the quarter. We also recorded solid investment income and favorable life and group results. We are well positioned to increasingly capitalize on the favorable market conditions we anticipate into 2022,” said Dino E. Robusto, Chairman & Chief Executive Officer of CNA Financial Corporation.
2


Property & Casualty Operations
Results for the Three Months Ended September 30Results for the Nine Months Ended September 30
($ millions)2021202020212020
Gross written premiums ex. 3rd party captives
$2,224 $2,014 $6,790 $6,253 
GWP ex. 3rd party captives change (% year over year)
10 %%
Net written premiums$1,909 $1,821 $5,755 $5,614 
NWP change (% year over year)%%
Net investment income$271 $292 $872 $713 
Core income217 236 831 482 
Loss ratio excluding catastrophes and development60.2 %60.5 %59.9 %59.9 %
Effect of catastrophe impacts9.2 8.7 6.3 10.1 
Effect of development-related items(0.3)(0.4)(0.4)(0.8)
Loss ratio69.1 %68.8 %65.8 %69.2 %
Expense ratio30.7 %31.8 %31.3 %32.9 %
Combined ratio100.0 %100.9 %97.4 %102.4 %
Combined ratio excluding catastrophes and development91.1 %92.6 %91.5 %93.1 %
The combined ratio excluding catastrophes and development improved 1.5 points as compared with the prior year quarter. The expense ratio improved 1.1 points compared to the prior year quarter driven by net earned premium growth of 6%. The underlying loss ratio improved 0.3 points.
The combined ratio improved 0.9 points as compared with the prior year quarter. Net catastrophe losses were $178 million, or 9.2 points of the loss ratio in the quarter compared with $160 million, or 8.7 points of the loss ratio, for the prior year quarter. Catastrophe losses in the third quarter of 2021 include $114 million for Hurricane Ida. Favorable net prior period development improved the loss ratio by 0.3 points in the current quarter compared with 0.4 points of improvement in the prior year quarter.
P&C segments, excluding third party captives, generated gross written premium growth of 10% and net written premium growth of 5%.
3


Business Operating Highlights
Specialty
Results for the Three Months Ended September 30Results for the Nine Months Ended September 30
($ millions)2021202020212020
Gross written premiums ex. 3rd party captives
$943 $861 $2,656 $2,413 
GWP ex. 3rd party captives change (% year over year)
10 %10 %
Net written premiums$822 $795 $2,350 $2,231 
NWP change (% year over year)%%
Core income$173 $168 $531 $354 
Loss ratio excluding catastrophes and development59.1 %60.0 %59.1 %59.8 %
Effect of catastrophe impacts0.4 1.0 0.4 5.7 
Effect of development-related items(1.8)(2.0)(1.7)(2.1)
Loss ratio57.7 %59.0 %57.8 %63.4 %
Expense ratio30.6 %30.5 %30.4 %31.5 %
Combined ratio88.2 %89.5 %88.3 %95.0 %
Combined ratio excluding catastrophes and development89.6 %90.5 %89.6 %91.4 %
The combined ratio excluding catastrophes and development improved 0.9 points as compared with the prior year quarter largely driven by an improvement in the underlying loss ratio.
The combined ratio improved by 1.3 points as compared with the prior year quarter. Favorable net prior period development improved the loss ratio by 1.8 points in the quarter compared with 2.0 points of improvement in the prior year quarter.
Gross written premiums, excluding third party captives, grew 10% and net written premiums grew 3% for the third quarter of 2021.
4


Commercial
Results for the Three Months Ended September 30Results for the Nine Months Ended September 30
($ millions)2021202020212020
Gross written premiums ex. 3rd party captives
$1,005 $915 $3,176 $3,018 
GWP ex. 3rd party captives change (% year over year)
10 %%
Net written premiums$831 $804 $2,622 $2,703 
NWP change (% year over year)%(3)%
Core income$27 $41 $233 $113 
Loss ratio excluding catastrophes and development61.5 %60.8 %60.8 %60.1 %
Effect of catastrophe impacts18.6 17.0 12.6 14.3 
Effect of development-related items0.5 0.6 0.6 0.1 
Loss ratio80.6 %78.4 %74.0 %74.5 %
Expense ratio30.4 %32.3 %31.4 %33.2 %
Combined ratio111.6 %111.3 %106.0 %108.3 %
Combined ratio excluding catastrophes and development92.5 %93.7 %92.8 %93.9 %
The combined ratio excluding catastrophes and development improved 1.2 points as compared with the prior year quarter. The expense ratio improved 1.9 points driven primarily by net earned premium growth of 4% and lower acquisition costs. This was partially offset by a 0.7 point increase in the underlying loss ratio.
The combined ratio increased 0.3 points as compared with the prior year quarter. Net catastrophe losses were $166 million, or 18.6 points of the loss ratio in the third quarter of 2021 compared with $146 million, or 17.0 points of the loss ratio, for the prior year quarter.
Gross written premiums, excluding third party captives, grew 10% and net written premiums grew 3% for the third quarter of 2021.
5


International
Results for the Three Months Ended September 30Results for the Nine Months Ended September 30
($ millions)2021202020212020
Gross written premiums$276 $238 $958 $822 
GWP change (% year over year)16 %17 %
Net written premiums$256 $222 $783 $680 
NWP change (% year over year)15 %15 %
Core income$17 $27 $67 $15 
Loss ratio excluding catastrophes and development58.9 %60.1 %59.2 %60.1 %
Effect of catastrophe impacts3.4 3.0 2.0 8.9 
Effect of development-related items1.1 0.1 0.3 (0.4)
Loss ratio63.4 %63.2 %61.5 %68.6 %
Expense ratio32.1 %34.9 %33.3 %35.6 %
Combined ratio95.5 %98.1 %94.8 %104.2 %
Combined ratio excluding catastrophes and development91.0 %95.0 %92.5 %95.7 %
The combined ratio excluding catastrophes and development improved 4.0 points as compared with the prior year quarter. The expense ratio improved 2.8 points driven by net earned premium growth of 15% and lower acquisition costs. The underlying loss ratio improved 1.2 points.
The combined ratio improved 2.6 points as compared with the prior year quarter. Net catastrophe losses were $9 million, or 3.4 points of the loss ratio in the third quarter of 2021, compared with $7 million, or 3.0 points of the loss ratio, for the prior year quarter. Unfavorable net prior year development increased the loss ratio by 1.1 points in the quarter compared with 0.1 points in the prior year quarter.
Gross written premiums grew 16%, or 11% excluding currency fluctuations, and net written premiums grew 15%, or 10% excluding currency fluctuations, for the third quarter of 2021.
6


Life & Group
Results for the Three Months Ended September 30Results for the Nine Months Ended September 30
($ millions)2021202020212020
Net earned premiums$123 $127 $369 $380 
Net investment income240 208 724 622 
Core income (loss)41 (35)120 (17)
Core results improved $76 million for the third quarter of 2021 as compared with the prior year quarter.
In Long Term Care, there was no unlocking event in the quarter for active life reserves as a result of the Gross Premium Valuation. Core income for the third quarter of 2021 included a $31 million favorable impact from the reduction in long term care claim reserves resulting from the annual claim reserve review. Core loss for the third quarter of 2020 included a $59 million charge related to the recognition of an active life reserve premium deficiency for long term care policies. The results for the third quarter of 2020 also included a $36 million charge related to the increase in the structured settlement claim reserves partially offset by a $30 million impact from the reduction in long term care claim reserves, both resulting from the annual claim reserve reviews.
Corporate & Other
Results for the Three Months Ended September 30Results for the Nine Months Ended September 30
($ millions)2021202020212020
Net investment income$$17 $12 $45 
Interest expense28 32 84 94 
Core loss(21)(8)(110)(65)
Core loss increased $13 million for the third quarter of 2021 as compared with the prior year quarter primarily driven by lower net investment income.
Net Investment Income
Results for the Three Months Ended September 30Results for the Nine Months Ended September 30
2021202020212020
Net investment income$513 $517 $1,608 $1,380 
Net investment income decreased $4 million as compared with the prior year quarter.
7


About the Company
CNA is one of the largest U.S. commercial property and casualty insurance companies. Backed by more than 120 years of experience, CNA provides a broad range of standard and specialized insurance products and services for businesses and professionals in the U.S., Canada and Europe.  For more information, please visit CNA at www.cna.com.
Contact
Media:Analysts:
Chris Stroisch, 309-660-6001Amy C. Adams, 312-822-5533
Conference Call and Webcast/Presentation Information
A conference call for investors and the professional investment community will be held at 8:00 a.m. (CT) today. On the conference call will be Dino E. Robusto, Chairman and Chief Executive Officer of CNA Financial Corporation, Larry Haefner, Interim Chief Financial Officer of CNA Financial Corporation and other members of senior management. Participants can access the call by dialing (800) 289-0571, or for international callers, +1 (720) 543-0206. The call will also be broadcast live on the internet and may be accessed from the Investor Relations page of the CNA website (www.cna.com). A presentation will be posted and available on the CNA website and will provide additional insight into the results.
The call is available to the media, but questions will be restricted to investors and the professional investment community. An online replay will be available on CNA's website following the call. Financial supplement information related to the results is available on the investor relations pages of the CNA website or by contacting investor.relations@cna.com.
Definition of Reported Segments
Specialty provides management and professional liability and other coverages through property and casualty products and services using a network of brokers, independent agencies and managing general underwriters.
Commercial works with a network of brokers and independent agents to market a broad range of property and casualty insurance products and services to small, middle-market and large businesses.
International underwrites property and casualty coverages on a global basis through two insurance companies based in the U.K. and Luxembourg, a branch operation in Canada as well as through our Lloyd's Syndicate.
Life & Group primarily includes the results of the individual and group long term care businesses that are in run off.
Corporate & Other primarily includes certain corporate expenses, including interest on corporate debt, and the results of certain property and casualty business in run-off, including CNA Re, asbestos and environmental pollution (A&EP), excess workers' compensation and legacy mass tort.
Financial Measures
Management utilizes the following metrics in their evaluation of the Property & Casualty Operations. These ratios are calculated using financial results prepared in accordance with accounting principles generally accepted in the United States of America (GAAP).
Loss ratio is the percentage of net incurred claim and claim adjustment expenses to net earned premiums.
Underlying loss ratio represents the loss ratio excluding catastrophes and development.
Expense ratio is the percentage of insurance underwriting and acquisition expenses, including the amortization of deferred acquisition costs, to net earned premiums.
Dividend ratio is the ratio of policyholders' dividends incurred to net earned premiums.
Combined ratio is the sum of the loss, expense and dividend ratios.
Underlying combined ratio is the sum of the underlying loss, expense and dividend ratios.
Renewal premium change represents the estimated change in average premium on policies that renew, including rate and exposure changes.
Rate represents the average change in price on policies that renew excluding exposure change. For certain products within Small Business, where quantifiable, rate includes the influence of new business as well.
Retention represents the percentage of premium dollars renewed in comparison to the expiring premium dollars from policies available to renew.
New business represents premiums from policies written with new customers and additional policies written with existing customers.
Gross written premiums ex. 3rd party captives represents gross written premiums excluding business which is ceded to third party captives, including business related to large warranty programs.
The Company's investment portfolio is monitored by management through analysis of various factors including unrealized gains and losses on securities, portfolio duration and exposure to market and credit risk.
8


Reconciliation of GAAP Measures to Non-GAAP Measures
This press release also contains financial measures that are not in accordance with GAAP.  Management utilizes these financial measures to monitor the Company's insurance operations and investment portfolio. The Company believes the presentation of these measures provides investors with a better understanding of the significant factors that comprise the Company's operating performance. Reconciliations of these measures to the most comparable GAAP measures follow below.
Reconciliation of Net Income (Loss) to Core Income (Loss)
Core income (loss) is calculated by excluding from net income (loss) the after-tax effects of net investment gains or losses and any cumulative effects of changes in accounting guidance. The calculation of core income (loss) excludes net investment gains or losses because net investment gains or losses are generally driven by economic factors that are not necessarily reflective of our primary operations. Management monitors core income (loss) for each business segment to assess segment performance. Presentation of consolidated core income (loss) is deemed to be a non-GAAP financial measure.
Results for the Three Months Ended September 30Results for the Nine Months Ended September 30
($ millions)2021202020212020
Net income$256 $213 $936 $303 
Less: Net investment gains (losses)19 20 95 (97)
Core income$237 $193 $841 $400 
Reconciliation of Net Income (Loss) per Diluted Share to Core Income (Loss) per Diluted Share
Core income (loss) per diluted share provides management and investors with a valuable measure of the Company's operating performance for the same reasons applicable to its underlying measure, core income (loss). Core income (loss) per diluted share is core income (loss) on a per diluted share basis.
Results for the Three Months Ended September 30Results for the Nine Months Ended September 30
2021202020212020
Net income per diluted share$0.94 $0.79 $3.43 $1.11 
Less: Net investment gains (losses)0.07 0.08 0.35 (0.36)
Core income per diluted share$0.87 $0.71 $3.08 $1.47 
Reconciliation of Book Value per Share to Book Value per Share Excluding AOCI
Book value per share excluding AOCI allows management and investors to analyze the amount of the Company's net worth primarily attributable to the Company's business operations. The Company believes this measurement is useful as it reduces the effect of items that can fluctuate significantly from period to period, primarily based on changes in interest rates.
September 30, 2021December 31, 2020
Book value per share$46.67 $46.82 
Less: Per share impact of AOCI1.28 2.96 
Book value per share excluding AOCI$45.39 $43.86 
9


Calculation of Return on Equity and Core Return on Equity
Core return on equity provides management and investors with a measure of how effectively the Company is investing the portion of the Company's net worth that is primarily attributable to its business operations.
Results for the Three Months Ended September 30Results for the Nine Months Ended September 30
($ millions)2021202020212020
Annualized net income$1,022 $855 $1,248 $405 
Average stockholders' equity including AOCI (a)
12,666 11,833 12,686 12,118 
Return on equity8.1 %7.2 %9.8 %3.3 %
Annualized core income$948 $772 $1,122 $533 
Average stockholders' equity excluding AOCI (a)
12,238 11,550 12,111 11,887 
Core return on equity7.7 %6.7 %9.3 %4.5 %
(a)Average stockholders' equity is calculated using a simple average of the beginning and ending balances for the period.
For additional information, please refer to CNA's most recent 10-K on file with the Securities and Exchange Commission, as well as the financial supplement, available at www.cna.com.
Forward-Looking Statements
This press release includes statements that relate to anticipated future events (forward-looking statements) rather than actual present conditions or historical events. These statements are made pursuant to the safe harbor provisions of the Private Securities Litigation Reform Act of 1995 and generally include words such as “believes,” “expects,” “intends,” “anticipates,” “estimates” and similar expressions. Forward-looking statements, by their nature, are subject to a variety of inherent risks and uncertainties that could cause actual results to differ materially from the results projected. Many of these risks and uncertainties cannot be controlled by CNA. For a detailed description of these risks and uncertainties please refer to CNA’s filings with the Securities and Exchange Commission, available at www.cna.com.
Any forward-looking statements made in this press release are made by CNA as of the date of this press release. Further, CNA does not have any obligation to update or revise any forward-looking statement contained in this press release, even if CNA’s expectations or any related events, conditions or circumstances change.
Any descriptions of coverage under CNA policies or programs in this press release are provided for convenience only and are not to be relied upon with respect to questions of coverage, exclusions or limitations. With regard to all such matters, the terms and provisions of relevant insurance policies are primary and controlling. In addition, please note that all coverages may not be available in all states.
“CNA" is a registered trademark of CNA Financial Corporation. Certain CNA Financial Corporation subsidiaries use the "CNA" trademark in connection with insurance underwriting and claims activities. Copyright © 2021 CNA. All rights reserved.

# # #
10
EX-99.2 3 a2021q3exhibit992.htm EX-99.2 Document



cnalogoq42019.gif




CNA Financial Corporation
Supplemental Financial Information


September 30, 2021



This report is for informational purposes only and includes consolidated financial statements and financial exhibits that are unaudited. This report should be read in conjunction with documents filed with the U.S. Securities and Exchange Commission, including the most recent Annual Report on Form 10-K.



Table of Contents




Statements of Operations
Periods ended September 30Three MonthsNine Months
(In millions)20212020Change20212020Change
Revenues:
Net earned premiums$2,059$1,953%$6,056$5,672%
Net investment income513517(1)1,6081,38017 
Net investment gains (losses)2227117(120)
Non-insurance warranty revenue3573171,054926
Other revenues86

1919

Total revenues2,959 2,820 8,854 7,877 12 
Claims, Benefits and Expenses:
Insurance claims and policyholders' benefits1,6321,6164,6844,683
Amortization of deferred acquisition costs3683601,0841,046
Non-insurance warranty expense330293973859
Other operating expenses287269874852
Interest28328594
Total claims, benefits and expenses2,645 2,570 (3)7,700 7,534 (2)
Income (loss) before income tax314 250 1,154 343 
Income tax (expense) benefit(58)(37)(218)(40)
Net income (loss)$256 $213 20 %$936 $303 N/M%
1




Components of Income (Loss), Per Share Data and Return on Equity
Periods ended September 30Three MonthsNine Months
(In millions, except per share data)2021202020212020
Components of Income (Loss)
Core income (loss)$237 $193 $841 $400 
Net investment gains (losses)19 20 95 (97)
Net income (loss)$256 $213 $936 $303 
Diluted Earnings (Loss) Per Common Share
Core income (loss)$0.87 $0.71 $3.08 $1.47 
Net investment gains (losses)0.07 0.08 0.35 (0.36)
Diluted earnings (loss) per share$0.94 $0.79 $3.43 $1.11 
Weighted Average Outstanding Common Stock and Common Stock Equivalents
Basic271.7 271.7 271.8 271.6 
Diluted272.7 272.3 272.8 272.3 
Return on Equity
Net income (loss) (1)
8.1 %7.2 %9.8 %3.3 %
Core income (loss) (2)
7.7 6.7 9.3 4.5 
(1) Annualized net income (loss) divided by the average stockholders' equity including accumulated other comprehensive income (loss) (AOCI) for the period. Average equity including AOCI is calculated using a simple average of the beginning and ending balances for the period.
(2) Annualized core income (loss) divided by the average stockholders' equity excluding AOCI for the period. Average equity excluding AOCI is calculated using a simple average of the beginning and ending balances for the period.

2




Selected Balance Sheet Data and Statement of Cash Flows Data
(In millions, except per share data)September 30, 2021December 31, 2020
Total investments$50,236 $50,293 
Reinsurance receivables, net of allowance for uncollectible receivables5,328 4,457 
Total assets66,522 64,026 
Insurance reserves42,607 41,143 
Debt2,778 2,776 
Total liabilities53,858 51,319 
Accumulated other comprehensive income (loss) (1)
346 803 
Total stockholders' equity12,664 12,707 
Book value per common share$46.67 $46.82 
Book value per common share excluding AOCI$45.39 $43.86 
Outstanding shares of common stock (in millions of shares)271.4 271.4 
Statutory capital and surplus - Combined Continental Casualty Companies (2)
$11,098 $10,708 
Three Months Ended September 3020212020
Net cash flows provided (used) by operating activities$669 $758 
Net cash flows provided (used) by investing activities(395)(882)
Net cash flows provided (used) by financing activities(104)(25)
Net cash flows provided (used) by operating, investing and financing activities$170 $(149)
Nine Months Ended September 3020212020
Net cash flows provided (used) by operating activities$1,354 $1,408 
Net cash flows provided (used) by investing activities(597)(407)
Net cash flows provided (used) by financing activities(545)(801)
Net cash flows provided (used) by operating, investing and financing activities$212 $200 
(1) As of September 30, 2021 and December 31, 2020, the net unrealized gains on investments included in AOCI were net of after-tax Shadow Adjustments of $2,481 million and $2,773 million. To the extent that unrealized gains on fixed income securities supporting certain products within the Life & Group segment would result in a premium deficiency if realized, an increase in Insurance reserves are recorded, net of tax, as a reduction of net unrealized gains through Other comprehensive income (loss) (Shadow Adjustments).
(2) Statutory capital and surplus as of September 30, 2021 is preliminary.
3




Property & Casualty - Results of Operations
Periods ended September 30Three MonthsNine Months
(In millions)20212020Change20212020Change
Gross written premiums$3,239 $3,008 %$9,892 $9,256 %
Gross written premiums ex. 3rd party captives
2,224 2,014 10 6,790 6,253 
Net written premiums1,909 1,821 5,755 5,614 
Net earned premiums1,937 1,827 5,688 5,293 
Net investment income271 292 872 713 
Non-insurance warranty revenue357 317 1,054 926 
Other revenues19 19 
Total operating revenues2,573 2,441 7,633 6,951 10 
Insurance claims and policyholders' benefits1,342 1,259 3,762 3,683 
Amortization of deferred acquisition costs368 360 1,084 1,046 
Non-insurance warranty expense330 293 973 859 
Other insurance related expenses228 225 694 693 
Other expenses25 13 60 65 
Total claims, benefits and expenses2,293 2,150 (7)6,573 6,346 (4)
Core income (loss) before income tax280 291 1,060 605 
Income tax (expense) benefit on core income (loss)(63)(55)(229)(123)
Core income (loss)$217 $236 (8)%$831 $482 72 %
Other Performance Metrics
Underwriting gain (loss)$(1)$(17)94 %$148 $(129)N/M%
Loss & LAE ratio69.1 %68.8 %(0.3)pts65.8 %69.2 %3.4 pts
Expense ratio30.7 31.8 1.1 31.3 32.9 1.6 
Dividend ratio0.2 0.3 0.1 0.3 0.3 — 
Combined ratio100.0 %100.9 %0.9 pts97.4 %102.4 %5.0 pts
Combined ratio excluding catastrophes and development91.1 %92.6 %1.5 pts91.5 %93.1 %1.6 pts
Net accident year catastrophe losses incurred$178 $160 $357 $536 
Effect on loss & LAE ratio9.2 %8.7 %(0.5)pts6.3 %10.1 %3.8 pts
Net prior year development and other: (favorable) / unfavorable$(5)$(8)$(17)$(44)
Effect on loss & LAE ratio(0.3)%(0.4)%(0.1)pts(0.4)%(0.8)%(0.4)pts
Rate%12 %(4)pts10 %11 %(1)pts
Renewal premium change%12 %(3)pts10 %11 %(1)pts
Retention81 %82 %(1)pts82 %83 %(1)pts
New business $405 $327 24 %$1,189 $1,023 16 %
        

4




Specialty - Results of Operations
Periods ended September 30Three MonthsNine Months
(In millions)20212020Change20212020Change
Gross written premiums$1,953 $1,855 %$5,650 $5,331 %
Gross written premiums ex. 3rd party captives
943 861 10 2,656 2,413 10 
Net written premiums822 795 2,350 2,231 
Net earned premiums773 734 2,270 2,124 
Net investment income116 126 367 315 
Non-insurance warranty revenue357 317 1,054 926 
Other revenues— 
Total operating revenues1,247 1,177 3,692 3,366 10 
Insurance claims and policyholders' benefits446 433 1,314 1,348 
Amortization of deferred acquisition costs165 158 478 462 
Non-insurance warranty expense330 293 973 859 
Other insurance related expenses71 66 212 208 
Other expenses13 14 36 37 
Total claims, benefits and expenses1,025 964 (6)3,013 2,914 (3)
Core income (loss) before income tax222 213 679 452 
Income tax (expense) benefit on core income (loss)(49)(45)(148)(98)
Core income (loss)$173 $168 %$531 $354 50 %
Other Performance Metrics
Underwriting gain (loss)$91 $77 18 %$266 $106 151 %
Loss & LAE ratio57.7 %59.0 %1.3 pts57.8 %63.4 %5.6 pts
Expense ratio30.6 30.5 (0.1)30.4 31.5 1.1 
Dividend ratio(0.1)— 0.1 0.1 0.1 — 
Combined ratio88.2 %89.5 %1.3 pts88.3 %95.0 %6.7 pts
Combined ratio excluding catastrophes and development89.6 %90.5 %0.9 pts89.6 %91.4 %1.8 pts
Net accident year catastrophe losses incurred$$$$120 
Effect on loss & LAE ratio0.4 %1.0 %0.6 pts0.4 %5.7 %5.3 pts
Net prior year development and other: (favorable) / unfavorable$(13)$(14)$(38)$(45)
Effect on loss & LAE ratio(1.8)%(2.0)%(0.2)pts(1.7)%(2.1)%(0.4)pts
Rate%13 %(4)pts10 %12 %(2)pts
Renewal premium change%15 %(7)pts10 %13 %(3)pts
Retention80 %87 %(7)pts84 %86 %(2)pts
New business$147 $105 40 %$370 $275 35 %
5




Commercial - Results of Operations
Periods ended September 30Three MonthsNine Months
(In millions)20212020Change20212020Change
Gross written premiums$1,010 $915 10 %$3,284 $3,103 %
Gross written premiums ex. 3rd party captives
1,005 915 10 3,176 3,018 
Net written premiums831 804 2,622 2,703 (3)
Net earned premiums893 857 2,629 2,470 
Net investment income141 151 463 354 
Other revenues17 18 
Total operating revenues1,041 1,013 3,109 2,842 
Insurance claims and policyholders' benefits725 676 1,963 1,855 
Amortization of deferred acquisition costs148 150 449 441 
Other insurance related expenses125 128 376 379 
Other expenses28 25 
Total claims, benefits and expenses1,006 961 (5)2,816 2,700 (4)
Core income (loss) before income tax35 52 293 142 
Income tax (expense) benefit on core income (loss)(8)(11)(60)(29)
Core income (loss)$27 $41 (34)%$233 $113 106 %
Other Performance Metrics
Underwriting gain (loss)$(105)$(97)(8)%$(159)$(205)22 %
Loss & LAE ratio80.6 %78.4 %(2.2)pts74.0 %74.5 %0.5 pts
Expense ratio30.4 32.3 1.9 31.4 33.2 1.8 
Dividend ratio0.6 0.6 — 0.6 0.6 — 
Combined ratio111.6 %111.3 %(0.3)pts106.0 %108.3 %2.3 pts
Combined ratio excluding catastrophes and development 92.5 %93.7 %1.2 pts92.8 %93.9 %1.1 pts
Net accident year catastrophe losses incurred$166 $146 $332 $354 
Effect on loss & LAE ratio18.6 %17.0 %(1.6)pts12.6 %14.3 %1.7 pts
Net prior year development and other: (favorable) / unfavorable$$$19 $
Effect on loss & LAE ratio0.5 %0.6 %0.1 pts0.6 %0.1 %(0.5)pts
Rate%11 %(5)pts%10 %(2)pts
Renewal premium change%%(1)pts%%— pts
Retention83 %82 %pts82 %84 %(2)pts
New business$204 $168 21 %$615 $564 %
6




International - Results of Operations
Periods ended September 30Three MonthsNine Months
(In millions)20212020Change20212020Change
Gross written premiums$276 $238 16 %$958 $822 17 %
Net written premiums256 222 15 783 680 15 
Net earned premiums271 236 15 789 699 13 
Net investment income14 15 42 44 
Other revenues— — — 
Total operating revenues285 251 14 832 743 12 
Insurance claims and policyholders' benefits171 150 485 480 
Amortization of deferred acquisition costs55 52 157 143 
Other insurance related expenses32 31 106 106 
Other expenses(8)(4)
Total claims, benefits and expenses262 225 (16)744 732 (2)
Core income (loss) before income tax23 26 88 11 
Income tax (expense) benefit on core income (loss)(6)(21)
Core income (loss)$17 $27 (37)%$67 $15 N/M%
Other Performance Metrics
Underwriting gain (loss)$13 $N/M%$41 $(30)N/M%
Loss & LAE ratio63.4 %63.2 %(0.2)pts61.5 %68.6 %7.1 pts
Expense ratio32.1 34.9 2.8 33.3 35.6 2.3 
Dividend ratio— — — — — — 
Combined ratio95.5 %98.1 %2.6 pts94.8 %104.2 %9.4 pts
Combined ratio excluding catastrophes and development91.0 %95.0 %4.0 pts92.5 %95.7 %3.2 pts
Net accident year catastrophe losses incurred$$$16 $62 
Effect on loss & LAE ratio3.4 %3.0 %(0.4)pts2.0 %8.9 %6.9 pts
Net prior year development and other: (favorable) / unfavorable$$— $$(3)
Effect on loss & LAE ratio1.1 %0.1 %(1.0)pts0.3 %(0.4)%(0.7)pts
Rate13 %17 %(4)pts13 %13 %— pts
Renewal premium change12 %15 %(3)pts12 %11 %pts
Retention79 %69 %10 pts76 %71 %pts
New business $54 $54 — %$204 $184 11 %
7




Life & Group - Results of Operations
Periods ended September 30Three MonthsNine Months
(In millions)2021202020212020
Net earned premiums$123 $127 $369 $380 
Net investment income240 208 724 622 
Other revenues(1)— (1)— 
Total operating revenues362 335 1,092 1,002 
Insurance claims and policyholders' benefits296 363 899 983 
Other insurance related expenses27 28 77 79 
Other expenses
Total claims, benefits and expenses324 394 981 1,068 
Core income (loss) before income tax38 (59)111 (66)
Income tax (expense) benefit on core income (loss)24 49 
Core income (loss)$41 $(35)$120 $(17)

8




Corporate & Other - Results of Operations
Periods ended September 30Three MonthsNine Months
(In millions)2021202020212020
Net earned premiums$(1)$(1)$(1)$(1)
Net investment income17 12 45 
Other revenues— 
Total operating revenues17 12 44 
Insurance claims and policyholders' benefits(6)(6)23 17 
Other insurance related expenses(2)(2)(3)
Other expenses36 34 115 106 
Total claims, benefits and expenses28 26 146 120 
Core income (loss) before income tax(26)(9)(134)(76)
Income tax (expense) benefit on core income (loss)24 11 
Core income (loss)$(21)$(8)$(110)$(65)

9




Investment Summary - Consolidated
September 30, 2021June 30, 2021December 31, 2020
(In millions)Carrying ValueNet Unrealized Gains (Losses)Carrying ValueNet Unrealized Gains (Losses)Carrying ValueNet Unrealized Gains (Losses)
Fixed maturity securities:
Corporate and other bonds$24,532 $2,925 $24,392 $3,118 $24,352 $3,556 
States, municipalities and political subdivisions:
Tax-exempt7,9531,1178,2851,2218,4991,311
Taxable4,0264783,5815203,093552
Total states, municipalities and political subdivisions11,979 1,595 11,866 1,741 11,592 1,863 
Asset-backed:
RMBS3,259 83 3,426 89 3,587 145 
CMBS2,116 69 2,135 84 1,967 51 
Other ABS2,497 72 2,415 81 2,251 72 
Total asset-backed7,872 224 7,976 254 7,805 268 
U.S. Treasury and obligations of government-sponsored enterprises136 (3)137 (5)338 (1)
Foreign government538 17 539 21 544 32 
Redeemable preferred stock12 — — — — — 
Total fixed maturity securities45,069 4,758 44,910 5,129 44,631 5,718 
Equities:
Common stock228 — 214 — 195 — 
Non-redeemable preferred stock817 — 819 — 797 — 
Total equities1,045 — 1,033 — 992 — 
Limited partnership investments1,874 — 1,781 — 1,619 — 
Other invested assets82 — 70 — 76 — 
Mortgage loans1,031 — 1,006 — 1,068 — 
Short term investments1,135 1,465 — 1,907 — 
Total investments$50,236 $4,759 $50,265 $5,129 $50,293 $5,718 
Net receivable/(payable) on investment activity$(70)$(103)$22 
Effective duration (in years)6.76.66.3
Weighted average rating AAA
RMBS - Residential mortgage-backed securities
CMBS - Commercial mortgage-backed securities
Other ABS - Other asset-backed securities
10




Investment Summary - Property & Casualty and Corporate & Other
September 30, 2021June 30, 2021December 31, 2020
(In millions)Carrying ValueNet Unrealized Gains (Losses)Carrying ValueNet Unrealized Gains (Losses)Carrying ValueNet Unrealized Gains (Losses)
Fixed maturity securities:
Corporate and other bonds$15,377 $924 $15,349 $1,048 $15,560 $1,348 
States, municipalities and political subdivisions:
Tax-exempt1,625831,6961061,711114
Taxable2,225731,761991,286110
Total states, municipalities and political subdivisions3,850 156 3,457 205 2,997 224 
Asset-backed:
RMBS3,198 80 3,361 86 3,507 140 
CMBS2,013 66 2,056 80 1,879 46 
Other ABS2,259 55 2,200 64 2,056 52 
Total asset-backed7,470 201 7,617 230 7,442 238 
U.S. Treasury and obligations of government-sponsored enterprises116 (2)116 (4)327 (1)
Foreign government510 16 525 19 529 29 
Redeemable preferred stock12 — — — — — 
Total fixed maturity securities27,335 1,295 27,064 1,498 26,855 1,838 
Equities:
Common stock228 — 214 — 195 — 
Non-redeemable preferred stock179 — 172 — 202 — 
Total equities407 — 386 — 397 — 
Limited partnership investments1,037 — 986 — 896 — 
Other invested assets82 — 70 — 76 — 
Mortgage loans785 — 759 — 782 — 
Short term investments1,112 1,392 — 1,772 — 
Total investments$30,758 $1,296 $30,657 $1,498 $30,778 $1,838 
Net receivable/(payable) on investment activity$(106)$(88)$10 
Effective duration (in years)5.14.94.5
Weighted average ratingA-A-A
11




Investment Summary - Life & Group
September 30, 2021June 30, 2021December 31, 2020
(In millions)Carrying ValueNet Unrealized Gains (Losses)Carrying ValueNet Unrealized Gains (Losses)Carrying ValueNet Unrealized Gains (Losses)
Fixed maturity securities:
Corporate and other bonds$9,155 $2,001 $9,043 $2,070 $8,792 $2,208 
States, municipalities and political subdivisions:
Tax-exempt6,3281,0346,5891,1156,7881,197
Taxable1,8014051,8204211,807442
Total states, municipalities and political subdivisions8,129 1,439 8,409 1,536 8,595 1,639 
Asset-backed:
RMBS61 65 80 
CMBS103 79 88 
Other ABS238 17 215 17 195 20 
Total asset-backed402 23 359 24 363 30 
U.S. Treasury and obligations of government-sponsored enterprises20 (1)21 (1)11 — 
Foreign government28 14 15 
Redeemable preferred stock— — — — — — 
Total fixed maturity securities17,734 3,463 17,846 3,631 17,776 3,880 
Equities:
Common stock— — — — — — 
Non-redeemable preferred stock638 — 647 — 595 — 
Total equities638 — 647 — 595 — 
Limited partnership investments837 — 795 — 723 — 
Other invested assets— — — — — — 
Mortgage loans246 — 247 — 286 — 
Short term investments23 — 73 — 135 — 
Total investments$19,478 $3,463 $19,608 $3,631 $19,515 $3,880 
Net receivable/(payable) on investment activity$36 $(15)$12 
Effective duration (in years)9.39.39.2
Weighted average ratingAAA
12




Investments - Fixed Maturity Securities by Credit Rating
September 30, 2021U.S. Government, Government agencies and Government-sponsored enterprisesAAAAAABBBNon-investment gradeTotal
(In millions)Fair ValueNet Unrealized Gains (Losses)Fair ValueNet Unrealized Gains (Losses)Fair ValueNet Unrealized Gains (Losses)Fair ValueNet Unrealized Gains (Losses)Fair ValueNet Unrealized Gains (Losses)Fair ValueNet Unrealized Gains (Losses)Fair ValueNet Unrealized Gains (Losses)
Corporate and other bonds$— $— $34 $$501 $42 $5,416 $671 $16,372 $2,107 $2,209 $104 $24,532 $2,925 
States, municipalities and political subdivisions— — 2,873 348 5,945 742 2,658 449 490 55 13 11,979 1,595 
Asset-backed:
RMBS2,800 60 264 (1)— 48 — 132 17 3,259 83 
CMBS— 342 18 907 42 272 446 147 — 2,116 69 
Other ABS— — 109 124 1,041 19 1,163 50 60 2,497 72 
Total asset-backed2,802 60 715 18 1,040 43 1,361 34 1,615 51 339 18 7,872 224 
U.S. Treasury and obligations of government-sponsored enterprises136 (3)— — — — — — — — — — 136 (3)
Foreign government— — 156 251 103 28 — — 538 17 
Redeemable preferred stock— — — — — — — — — — 12 — 12 — 
Total fixed maturity securities$2,938 $57 $3,778 $371 $7,737 $833 $9,538 $1,159 $18,505 $2,215 $2,573 $123 $45,069 $4,758 
Percentage of total fixed maturity securities%%17 %21 %41 %%100 %
13




Components of Net Investment Income
Periods ended September 30Consolidated
Three MonthsNine Months
(In millions)2021202020212020
Taxable fixed income securities$360 $363 $1,075 $1,094 
Tax-exempt fixed income securities77 80 236 238 
Total fixed income securities 437 443 1,311 1,332 
Limited partnership and common stock investments77 71 294 30 
Other, net of investment expense(1)18 
Net investment income$513 $517 $1,608 $1,380 
Effective income yield for fixed income securities portfolio4.3 %4.5 %4.3 %4.6 %
Limited partnership and common stock return3.8 4.1 16.4 1.7 
Property & Casualty and Corporate & Other
Periods ended September 30
Three MonthsNine Months
(In millions)2021202020212020
Taxable fixed income securities$221 $224 $666 $683 
Tax-exempt fixed income securities12 37 22 
Total fixed income securities 233 233 703 705 
Limited partnership and common stock investments39 71 172 30 
Other, net of investment expense23 
Net investment income$273 $309 $884 $758 
Effective income yield for fixed income securities portfolio3.6 %3.8 %3.7 %3.9 %
Periods ended September 30Life & Group
Three MonthsNine Months
(In millions)2021202020212020
Taxable fixed income securities$139 $139 $409 $411 
Tax-exempt fixed income securities65 71 199 216 
Total fixed income securities 204 210 608 627 
Limited partnership and common stock investments38 — 122 — 
Other, net of investment expense(2)(2)(6)(5)
Net investment income$240 $208 $724 $622 
Effective income yield for fixed income securities portfolio5.5 %5.6 %5.5 %5.6 %
14




Claim & Claim Adjustment Expense Reserve Rollforward
Three months ended September 30, 2021
(In millions)

Specialty

Commercial
InternationalP&C OperationsLife & Group Corporate & Other Total Operations
Claim & claim adjustment expense reserves, beginning of period
Gross$6,178 $8,533 $2,225 $16,936 $3,754 $2,790 $23,480 
Ceded1,056 727 319 2,102 123 2,510 4,735 
Net5,122 7,806 1,906 14,834 3,631 280 18,745 
Net incurred claim & claim adjustment expenses446 720 171 1,337 194 1,534 
Net claim & claim adjustment expense payments(366)(513)(119)(998)(236)(3)(1,237)
Foreign currency translation adjustment and other— — (38)(38)(7)(1)(46)
Claim & claim adjustment expense reserves, end of period
Net5,202 8,013 1,920 15,135 3,582 279 18,996 
Ceded1,091 843 331 2,265 121 2,450 4,836 
Gross$6,293 $8,856 $2,251 $17,400 $3,703 $2,729 $23,832 
Nine months ended September 30, 2021
(In millions)

Specialty

Commercial
InternationalP&C OperationsLife & Group Corporate & Other Total Operations
Claim & claim adjustment expense reserves, beginning of period
Gross$5,748 $8,250 $2,091 $16,089 $3,743 $2,874 $22,706 
Ceded850 775 269 1,894 128 1,983 4,005 
Net4,898 7,475 1,822 14,195 3,615 891 18,701 
Reduction of net reserves due to Excess Workers' Compensation Loss Portfolio Transfer— — — — — (632)(632)
Net incurred claim & claim adjustment expenses1,312 1,948 485 3,745 690 46 4,481 
Net claim & claim adjustment expense payments(1,008)(1,410)(350)(2,768)(709)(26)(3,503)
Foreign currency translation adjustment and other— — (37)(37)(14)— (51)
Claim & claim adjustment expense reserves, end of period
Net5,202 8,013 1,920 15,135 3,582 279 18,996 
Ceded1,091 843 331 2,265 121 2,450 4,836 
Gross$6,293 $8,856 $2,251 $17,400 $3,703 $2,729 $23,832 
15




Life & Group Policyholder Reserves
September 30, 2021
(In millions)Claim and claim adjustment expensesFuture policy benefitsTotal
Long term care$2,839 $9,971 $12,810 
Structured settlement annuities and other540— 540 
Total 3,379 9,971 13,350 
Shadow adjustments2032,938 3,141 
Ceded reserves121289 410 
Total gross reserves$3,703 $13,198 $16,901 
December 31, 2020
(In millions)Claim and claim adjustment expensesFuture policy benefitsTotal
Long term care$2,844 $9,762 $12,606 
Structured settlement annuities and other553— 553 
Total 3,397 9,762 13,159 
Shadow adjustments 2183,293 3,511 
Ceded reserves128263 391 
Total gross reserves$3,743 $13,318 $17,061 
16




Definitions and Presentation
Collectively, CNA Financial Corporation (CNAF) and its subsidiaries are referred to as CNA or the Company.
P&C Operations includes Specialty, Commercial and International.
Life & Group segment primarily includes the results of long term care businesses that are in run-off.
Corporate & Other segment primarily includes certain corporate expenses including interest on corporate debt and the results of certain property and casualty business in run-off, including CNA Re, asbestos and environmental pollution, excess workers' compensation and legacy mass tort. Intersegment eliminations are also included in this segment.
Management uses the core income (loss) financial measure to monitor the Company’s operations. Please refer to Note O to the Consolidated Financial Statements within the December 31, 2020 Form 10-K for further discussion of this non-GAAP financial measure.
Management uses underwriting results to monitor insurance operations. Underwriting results are pretax and are calculated as net earned premiums less total insurance expenses, which includes insurance claims and policyholders' benefits, amortization of deferred acquisition costs and other insurance related expenses.
In the evaluation of the results of Specialty, Commercial and International, management uses the loss ratio, the expense ratio, the dividend ratio and the combined ratio. These ratios are calculated using financial results prepared in accordance with accounting principles generally accepted in the United States of America. The loss ratio is the percentage of net incurred claim and claim adjustment expenses to net earned premiums. The expense ratio is the percentage of insurance underwriting and acquisition expenses, including the amortization of deferred acquisition costs, to net earned premiums. The dividend ratio is the ratio of policyholders' dividends incurred to net earned premiums. The combined ratio is the sum of the loss, expense and dividend ratios. In addition, management also utilizes renewal premium change, rate, retention and new business in evaluating operating trends. Renewal premium change represents the estimated change in average premium on policies that renew, including rate and exposure changes. Rate represents the average change in price on policies that renew excluding exposure change. For certain products within Small Business, where quantifiable, rate includes the influence of new business as well. Exposure represents the measure of risk used in the pricing of the insurance product. Retention represents the percentage of premium dollars renewed in comparison to the expiring premium dollars from policies available to renew. Rate, renewal premium change and retention presented for the prior year is updated to reflect subsequent activity on policies written in the period. New business represents premiums from policies written with new customers and additional policies written with existing customers.
This financial supplement may also reference or contain financial measures that are not in accordance with GAAP. Management utilizes these financial measures to monitor the Company's insurance operations and investment portfolio. Core income, which is derived from certain income statement amounts, is used by management to monitor performance of the Company's insurance operations. The Company's investment portfolio is monitored by management through analysis of various factors including unrealized gains and losses on securities, portfolio duration and exposure to market and credit risk.
17




Core income (loss) is calculated by excluding from net income (loss) the after-tax effects of net investment gains or losses and any cumulative effects of changes in accounting guidance. The calculation of core income (loss) excludes net investment gains or losses because net investment gains or losses are generally driven by economic factors that are not necessarily reflective of our primary operations. Management monitors core income (loss) for each business segment to assess segment performance. Presentation of consolidated core income (loss) is deemed to be a non-GAAP financial measure. For reconciliations of non-GAAP measures to the most comparable GAAP measures and other information, please refer herein and/or to CNA's most recent 10-K on file with the Securities and Exchange Commission, as well as the press release, available at www.cna.com.
Gross written premiums ex. 3rd party captives represents gross written premiums excluding business which is ceded to third party captives, including business related to large warranty programs.
Pretax net prior year development and other includes the effects of interest accretion and change in allowance for uncollectible reinsurance and deductible amounts.
Net investment income from fixed income securities, as presented, includes both fixed maturity securities and non-redeemable preferred stock.
Certain immaterial differences are due to rounding.
N/M = Not Meaningful

18


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Cover Page Cover Page
Nov. 01, 2021
Entity Information [Line Items]  
Document Type 8-K
Document Period End Date Nov. 01, 2021
Entity Registrant Name CNA FINANCIAL CORPORATION
Entity Incorporation, State or Country Code DE
Entity File Number 1-5823
Entity Tax Identification Number 36-6169860
Entity Address, Address Line One 151 N. Franklin
Entity Address, City or Town Chicago
Entity Address, State or Province IL
Entity Address, Postal Zip Code 60606
City Area Code 312
Local Phone Number 822-5000
Written Communications false
Soliciting Material false
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Pre-commencement Issuer Tender Offer false
Entity Emerging Growth Company false
Entity Central Index Key 0000021175
Amendment Flag false
New York Stock Exchange  
Entity Information [Line Items]  
Title of 12(b) Security Common Stock, Par value $2.50
Trading Symbol "CNA"
Security Exchange Name NYSE
Chicago Stock Exchange  
Entity Information [Line Items]  
Title of 12(b) Security Common Stock, Par value $2.50
Trading Symbol "CNA"
Security Exchange Name CHX
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