美国地契保险行业 - 美国地契保险行业总体运营收入从2017年的约156亿美元增长至2021年的276亿美元，增长69亿美元[29] - 美国地契保险行业主要由少数几家公司集中，前四家地契保险集团在2021年占据了净保费收入的79%[30] - 直接运营和代理运营分别贡献了2022年地契保险总保费的41.8%和58.2%[38] 再保险和合同再保险 - 公司通过再保险和合同再保险来限制最大损失风险[40] - 公司的再保险合同分为四个，总共提供了10亿2千万美元的最大覆盖额[40] - 公司在商业地产领域使用合同再保险来提供超过个体承担能力的覆盖额[40] 监管和合规 - 公司的保险子公司受到适用州法律的广泛监管，包括监管机构对发放和撤销执照、监管交易行为、批准政策形式和会计和财务实践等方面的监管[41] - 公司的保险子公司必须根据各州的法定会计要求，将一部分保费作为未赚保费储备，以保护保单持有人，并必须保持符合法定要求的合格资产[42] - 公司的保险子公司必须定期接受监管机构的财务审查[42] 投资组合 - 我们Title部门的总投资金额在2022年底约为32亿美元，较2021年底的37亿美元有所下降[47] - 2022年底固定收益证券和优先股组合中，Aaa/AAA评级占比23.4%，Aa/AA评级占比6.0%，A评级占比26.6%，Baa/BBB评级占比34.4%[47] 产品销售 - F&G通过各种固定年金、即期年金、指数通用寿险等产品服务中等收入美国人，2022年销售中，固定指数年金占40%，其余主要销售来自资金协议(13%)、固定利率年金(33%)、PRT销售(13%)和IUL(1%)[50] - 我们的FIAs允许合同持有人通过与特定市场指数（主要是标普500指数）的表现挂钩来获得回报，同时提供本金保护[51] 再保险协议 - FGL Insurance与Wilton Re签订了100%配额份额再保险协议，涉及FGL Insurance的寿险保单[61] - FGL Insurance与Kubera签订了再保险协议，涉及MYGA和延期年金GAAP和法定准备金[61] - FGL Insurance与Aspida Re签订了再保险协议，涉及MYGA业务[61]

Fidelity National Financial, Inc. (NYSE:FNF) Q4 2022 Earnings Conference Call February 23, 2023 11:00 AM ET Company Participants Lisa Foxworthy-Parker - Investor Relations Mike Nolan - Chief Executive Officer Tony Park - Chief Financial Officer Chris Blunt - Chief Executive Officer, F&G Wendy Young - Chief Financial Officer, F&G Conference Call Participants Bose George - KBW Mark DeVries - Barclays Andrew Kligerman - Credit Suisse John Campbell - Stephens Inc. Mark Hughes - Truist Operator Ladies and gentle ...

Fidelity National Financial, Inc. (NYSE:FNF) Q3 2022 Earnings Conference Call November 9, 2022 11:00 AM ET Company Participants Lisa Foxworthy-Parker - Senior Vice President Investor & External Relations Mike Nolan - Chief Executive Officer Chris Blunt - Chief Executive Officer, F&G Wendy Young - Chief Financial Officer, F&G Tony Park - Chief Financial Officer Conference Call Participants Mark DeVries - Barclays Mark Hughes - Truist Securities Bose George - KBW Andrew Kligerman - Credit Suisse John Campbell ...

Fidelity National Financial, Inc. (NYSE:FNF) Q2 2022 Earnings Conference Call August 3, 2022 11:00 AM ET Company Participants Lisa Foxworthy-Parker - Senior Vice President Investor & External Relations Mike Nolan - Chief Executive Officer Chris Blunt - Chief Executive Officer, F&G Tony Park - Chief Financial Officer Conference Call Participants Mark DeVries - Barclays Mark Hughes - Truist Securities Bose George - KBW John Campbell - Stephens Inc. Andrew Kligerman - Credit Suisse Ryan Gilbert - BTIG Geoffrey ...

Fidelity National Financial, Inc (NYSE:FNF) Q1 2022 Earnings Conference Call May 11, 2022 11:00 AM ET Company Participants Lisa Foxworthy-Parker - Senior Vice President Investor & External Relations Mike Nolan - Chief Executive Officer Chris Blunt - Chief Executive Officer, F&G Tony Park - Chief Financial Officer Conference Call Participants Mark Hughes - Truist Andrew Kligerman - Credit Suisse John Campbell - Stephens Bose George - KBW Ryan Gilbert - BTIG Operator Good morning and welcome to FNF's First Qu ...

Fidelity National Financial, Inc (NYSE:FNF) Q4 2021 Earnings Conference Call February 24, 2022 10:00 AM ET Company Participants Lisa Foxworthy-Parker - SVP, Investor, and External Relations Mike Nolan - CEO Tony Park - CFO Chris Blunt - CEO, F&G Conference Call Participants Andrew Kligerman - Credit Suisse Mark DeVries - Barclays Bose George - KBW Mark Hughes - Truist Securities John Campbell - Stephens Ryan Gilbert - BTIG Geoffrey Dunn - Dowling & Partners Operator Good morning, and welcome to FNF Fourth Q ...

Fidelity National Financial, Inc. (NYSE:FNF) Q3 2021 Results Conference Call November 3, 2021 12:00 PM ET Company Participants Jamie Lillis - IR Randy Quirk - CEO Mike Nolan - President Tony Park - CFO Chris Blunt - President, CEO of F&G Conference Call Participants Mark DeVries - Barclays Bose George - KBW Andrew Kligerman - Credit Suisse John Campbell - Stephens Mark Hughes - Truist Operator Good morning, ladies and gentlemen, and welcome to the FNF 2021 Third Quarter Earnings Call. [Operator Instructions ...

Fidelity National Financial, Inc. (NYSE:FNF) Q2 2021 Earnings Conference Call August 4, 2021 12:00 PM ET Company Participants Jamie Lillis - IR Randy Quirk - CEO Mike Nolan - President Tony Park - CFO Chris Blunt - F&G's CEO Conference Call Participants James Hawley - Stephens Mark DeVries - Barclays Andrew Kligerman - Credit Suisse Mark Hughes - Truist Bose George - KBW Operator Good morning, ladies and gentlemen, and welcome to the FNF 2021 Second Quarter Earnings Call. During today's presentation, all pa ...

Fidelity National Financial, Inc. (NYSE:FNF) Q1 2021 Results Earnings Conference Call May 7, 2021 12:00 PM ET Company Participants Jamie Lillis - Investor Relations Randy Quirk - Chief Executive Officer Mike Nolan - President Tony Park - Chief Financial Officer Chris Blunt – Chief Executive Officer, F&G Conference Call Participants John Campbell - Stephens Mark DeVries - Barclays Bose George - KBW Operator Good morning, ladies and gentlemen, and welcome to the FNF 2021 First Quarter Earnings Call. During to ...

Fidelity National Financial, Inc. (NYSE:FNF) Q4 2020 Results Earnings Conference Call February 25, 2021 12:00 PM ET Company Participants Jamie Lillis - Investor Relations Randy Quirk - Chief Executive Officer Mike Nolan - President Tony Park - Chief Financial Officer Chris Blunt – Chief Executive Officer, F&G Conference Call Participants Jack Micenko - SIG John Campbell - Stephens Mark DeVries - Barclays Bose George - KBW Operator Good morning, ladies and gentlemen, and welcome to the FNF 2020 Fourth Quarte ...