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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 Customers of Cno Financial Group, Inc. saw their costs of revenue decrease by -2.82 % in Q2 compare to a year ago, sequentially costs of revenue were trimmed by -0.82 %, for the same period Cno Financial Group, Inc. revnue deteriorated by -6.36 % year on year, sequentially revnue fell by -4.22 %.

List of CNO Customers




Customers of Cno Financial Group, Inc. saw their costs of revenue decrease by -2.82 % in Q2 compare to a year ago, sequentially costs of revenue were trimmed by -0.82 %, for the same period Cno Financial Group, Inc. revnue deteriorated by -6.36 % year on year, sequentially revnue fell by -4.22 %.

List of CNO Customers


   
Customers Net Income grew in Q2 by Customers Net margin grew to
722.13 % 3.62 %



Cno Financial Group's Customers, Q2 2019 Revenue Growth By Industry
Customers in Life Insurance Industry      7.47 %
Customers in Insurance Brokerage Industry      8.08 %
Customers in Property & Casualty Insurance Industry      7.99 %
Customers in Money Center Banks Industry      4.59 %
Customers in Regional Banks Industry      36.35 %
Customers in Commercial Banks Industry      4.96 %
Customers in Healthcare Facilities Industry      0.13 %
Customers in Department & Discount Retail Industry      2.47 %
Customers in Pharmacy Services & Retail Drugstore Industry      20.95 %
     
• 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 TICKER MARKET CAP REVENUES INCOME EMPLOYEES
Cno Financial Group, Inc. CNO 3,006 4,262 -412 3,500
HEALTH MANAGEMENT ASSOCIATES, INC. HMA 0 0 0 0
Hi-crush Inc. HCR 70 3,063 -5 0
Tenet Healthcare Corp THC 3,874 18,213 344 108,000
Davita Inc. DVA 12,128 8,638 318 57,400
Amerisourcebergen Corp ABC 17,790 179,589 854 14,000
Cvs Health Corp CVS 95,814 227,255 4,327 217,800
Express Scripts Holding Co. ESRX 52,360 100,179 4,607 29,500
MEDCO HEALTH SOLUTIONS, INC. MHS 0 0 0 0
SAFEWAY INC. SWY 0 0 0 137,000
WALGREEN CO. WAG 0 0 0 251,000
Dollar General Corporation DG 39,848 27,040 1,609 0
Family Dollar Stores Inc FDO 0 0 0 55,000
Big Lots Inc BIG 1,045 5,296 123 36,100
Cullen CFR 6,133 1,329 459 4,211
Old National Bancorp ONB 3,131 788 232 2,652
Univest Financial Corporation UVSP 788 225 69 717
Summit Financial Group Inc SMMF 338 93 31 231
First Mid Bancshares, Inc. FMBH 592 168 44 513
Marsh & Mclennan Companies, Inc. MMC 56,486 16,181 1,536 57,000
Capital Financial Holdings, Inc. CPFH 1 15 0 20
Bb&t Corporation BBT 42,079 11,293 3,316 33,400
Gwg Holdings, Inc. GWGH 328 11 -156 50
Primerica, Inc. PRI 5,820 1,972 348 1,764
Ladenburg Thalmann Financial Services Inc. LTS 515 1,442 38 1,307
Sundance Strategies, Inc. SUND 64 0 -3 3
Arthur j. Gallagher & Co. AJG 18,046 15,930 738 21,500
Brown & Brown, Inc. BRO 10,948 2,322 395 7,807
Crawford & Co CRDA 363 1,065 31 8,941
Erie Indemnity Company ERIE 8,832 2,498 320 4,800
Corvel Corp CRVL 1,555 594 48 3,508
Amerisafe Inc AMSF 1,294 373 77 449
Employers Holdings, Inc. EIG 1,406 805 151 716
Assured Guaranty Ltd AGO 5,126 949 445 300
West End Indiana Bancshares, Inc. WEIN 35 12 1 70
SUBTOTAL 386,810 627,337 20,299 1,055,759


             
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