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Cno Financial Group Inc.  (CNO)
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Cno Financial Group's Customers Performance

CNO

 
CNO's Source of Revenues Cno Financial Group's Customers have recorded an increase in their cost of revenue by 12.13 % in the 2 quarter 2022 year on year, sequentially costs of revenue grew by 6 %, for the same period Cno Financial Group Inc. revnue deteriorated by -20.32 % year on year, sequentially revenue grew by 1.44 %.

List of CNO Customers




Cno Financial Group's Customers have recorded an increase in their cost of revenue by 12.13 % in the 2 quarter 2022 year on year, sequentially costs of revenue grew by 6 %, for the same period Cno Financial Group Inc. revnue deteriorated by -20.32 % year on year, sequentially revenue grew by 1.44 %.

List of CNO Customers


   
Customers Net Income fell in Q2 by Customers Net margin fell to %
-0.47 % 4.34 %



Cno Financial Group's Customers, Q2 2022 Revenue Growth By Industry
Customers in Life Insurance Industry      2.14 %
Customers in Insurance Brokerage Industry      7.28 %
Customers in Property & Casualty Insurance Industry -34.6 %   
Customers in Money Center Banks Industry      102.24 %
Customers in Regional Banks Industry      1.21 %
Customers in Commercial Banks Industry -8.74 %   
Customers in Healthcare Facilities Industry -3.88 %   
Customers in Department & Discount Retail Industry      6.57 %
Customers in Pharmacy Services & Retail Drugstore Industry      11.65 %
     
• Customers Valuation • Segment Rev. Growth • Segment Inc. Growth • Customers Mgmt. Effect.


Cno Financial Group's Comment on Sales, Marketing and Customers



Our insurance subsidiaries develop, market and administer health insurance, annuity, individual life insurance and other insurance products. We sell these products through three primary distribution channels: career agents, independent producers (some of whom sell one or more of our product lines exclusively) and direct marketing. We had premium collections, excluding premium collections related to CLIC prior to being sold, of $3.4 billion, $3.4 billion and $3.3 billion in 2015, 2014 and 2013, respectively.

Our insurance subsidiaries collectively hold licenses to market our insurance products in all fifty states, the District of Columbia, and certain protectorates of the United States.

We believe that most purchases of life insurance, accident and health insurance and annuity products occur only after individuals are contacted and solicited by an insurance agent. Accordingly, the success of our distribution system is largely dependent on our ability to attract and retain experienced and highly motivated agents. A description of our primary distribution channels is as follows:

Career Agents. The products of the Bankers Life segment are sold through a career agency force of over 4,500 producing agents working from over 300 Bankers Life branch offices and satellites. These agents establish one-on-one contact with potential policyholders and promote strong personal relationships with existing policyholders. The career agents sell primarily Medicare supplement and long-term care insurance policies, life insurance and annuities. These agents sell Bankers Life policies, as well as Medicare Advantage plans primarily through distribution arrangements with Humana, Inc. ("Humana") and United HealthCare, and typically visit the prospective policyholder's home to conduct personalized "kitchen-table" sales presentations. After the sale of an insurance policy, the agent serves as a contact person for policyholder questions, claims assistance and additional insurance needs.

Independent Producers. The products of the Washington National segment are primarily sold through our wholly-owned marketing organization, PMA. In addition, Washington National's products are sold through a diverse network of independent agents, insurance brokers and marketing organizations. The general agency and insurance brokerage distribution system is comprised of independent licensed agents doing business in all fifty states, the District of Columbia, and certain protectorates of the United States. In 2015, this distribution channel accounted for $649.7 million, or 19 percent, of our total collected premiums.

Marketing organizations typically recruit agents by advertising our products and commission structure through direct mail advertising or through seminars for agents and brokers. These organizations bear most of the costs incurred in marketing our products. We compensate the marketing organizations by paying them a percentage of the commissions earned on new sales generated by agents recruited by such organizations. Certain of these marketing organizations are specialty organizations that have a marketing expertise or a distribution system related to a particular product or market, such as worksite and individual health products.

Direct Marketing. This distribution channel is engaged primarily in the sale of graded benefit life insurance policies through Colonial Penn.


Cno Financial Group's Comment on Sales, Marketing and Customers


Our insurance subsidiaries develop, market and administer health insurance, annuity, individual life insurance and other insurance products. We sell these products through three primary distribution channels: career agents, independent producers (some of whom sell one or more of our product lines exclusively) and direct marketing. We had premium collections, excluding premium collections related to CLIC prior to being sold, of $3.4 billion, $3.4 billion and $3.3 billion in 2015, 2014 and 2013, respectively.

Our insurance subsidiaries collectively hold licenses to market our insurance products in all fifty states, the District of Columbia, and certain protectorates of the United States.

We believe that most purchases of life insurance, accident and health insurance and annuity products occur only after individuals are contacted and solicited by an insurance agent. Accordingly, the success of our distribution system is largely dependent on our ability to attract and retain experienced and highly motivated agents. A description of our primary distribution channels is as follows:

Career Agents. The products of the Bankers Life segment are sold through a career agency force of over 4,500 producing agents working from over 300 Bankers Life branch offices and satellites. These agents establish one-on-one contact with potential policyholders and promote strong personal relationships with existing policyholders. The career agents sell primarily Medicare supplement and long-term care insurance policies, life insurance and annuities. These agents sell Bankers Life policies, as well as Medicare Advantage plans primarily through distribution arrangements with Humana, Inc. ("Humana") and United HealthCare, and typically visit the prospective policyholder's home to conduct personalized "kitchen-table" sales presentations. After the sale of an insurance policy, the agent serves as a contact person for policyholder questions, claims assistance and additional insurance needs.

Independent Producers. The products of the Washington National segment are primarily sold through our wholly-owned marketing organization, PMA. In addition, Washington National's products are sold through a diverse network of independent agents, insurance brokers and marketing organizations. The general agency and insurance brokerage distribution system is comprised of independent licensed agents doing business in all fifty states, the District of Columbia, and certain protectorates of the United States. In 2015, this distribution channel accounted for $649.7 million, or 19 percent, of our total collected premiums.

Marketing organizations typically recruit agents by advertising our products and commission structure through direct mail advertising or through seminars for agents and brokers. These organizations bear most of the costs incurred in marketing our products. We compensate the marketing organizations by paying them a percentage of the commissions earned on new sales generated by agents recruited by such organizations. Certain of these marketing organizations are specialty organizations that have a marketing expertise or a distribution system related to a particular product or market, such as worksite and individual health products.

Direct Marketing. This distribution channel is engaged primarily in the sale of graded benefit life insurance policies through Colonial Penn.








CNO's vs. Customers, Data

(Revenue and Income for Trailing 12 Months, in Millions of $, except Employees)



COMPANY NAME MARKET CAP REVENUES INCOME EMPLOYEES
Cno Financial Group Inc. 2,265.97 3,741.00 464.00 3,500
Heartland Media Acquisition Corp. 191.70 0.00 -82.35 0
Hi crush Inc 16.24 622.87 -554.27 0
Tenet Healthcare Corp 6,013.88 19,133.00 1,456.00 108,000
Davita Inc. 8,634.25 11,626.60 1,059.52 67,000
Amerisourcebergen Corp 30,083.74 236,325.28 1,804.31 22,000
Cvs Health Corporation 132,311.36 307,860.00 8,157.00 290,000
Express Scripts Holding Co. 52,360.34 100,179.10 4,607.30 29,500
Dollar General Corporation 55,751.74 35,346.35 2,315.15 143,000
Big Lots Inc. 520.25 5,788.61 -49.72 36,100
Cullen 9,139.30 1,425.67 427.21 4,211
Old National Bancorp 5,169.21 1,018.68 215.33 2,652
Univest Financial Corporation 719.45 269.12 71.81 717
Summit Financial Group Inc. 359.82 130.86 48.53 231
First Mid Bancshares Inc. 694.83 244.54 69.53 513
Marsh and Mclennan Companies Inc. 80,438.82 20,710.00 3,413.00 76,000
Capital Financial Holdings, Inc. 0.34 14.56 -0.41 20
Truist Financial Corporation 62,337.51 22,495.00 6,254.00 59,000
Gwg Holdings Inc 60.00 30.77 -315.84 50
Primerica Inc. 5,116.40 2,777.24 330.27 1,764
Ladenburg Thalmann Financial Services Inc 501.31 1,469.30 22.73 1,307
Sundance Strategies Inc. 72.46 0.00 -2.97 3
Arthur J. Gallagher and Co. 38,465.29 17,049.10 1,083.70 32,401
Brown and Brown Inc. 18,021.88 3,253.17 613.57 7,807
Crawford and Co 227.62 1,191.97 23.70 8,941
Erie Indemnity Company 12,248.78 2,746.25 292.91 4,800
Corvel Corporation 2,593.90 669.92 66.26 3,508
Amerisafe Inc. 914.02 295.02 46.14 449
Employers Holdings Inc. 977.23 655.40 51.90 716
Assured Guaranty ltd. 3,272.85 865.00 352.00 300
West End Indiana Bancshares, Inc. 37.19 11.81 1.35 70
Fresenius Medical Care Ag and Co Kgaa 4,350.23 19,732.93 1,365.31 0
SUBTOTAL 531,601.95 813,938.12 33,142.98 901,060
       
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