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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 -3.41 % in Q2 compare to a year ago, sequentially costs of revenue were trimmed by -6.21 %, 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 -3.41 % in Q2 compare to a year ago, sequentially costs of revenue were trimmed by -6.21 %, 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
2460.23 % 3.54 %



Cno Financial Group's Customers, Q2 2019 Revenue Growth By Industry
Customers in Life Insurance Industry      7.93 %
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 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 2,391 4,262 -412 3,500
HEALTH MANAGEMENT ASSOCIATES, INC. HMA 0 0 0 0
Hi-crush Inc. HCR 186 3,063 -5 0
Tenet Healthcare Corp THC 2,128 18,213 344 108,000
Davita Inc. DVA 9,644 8,638 318 57,400
Amerisourcebergen Corp ABC 18,443 177,248 916 14,000
Cvs Health Corp CVS 78,485 227,255 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 Corp DG 36,087 25,105 1,818 0
Family Dollar Stores Inc FDO 0 0 0 55,000
Big Lots Inc BIG 818 5,266 141 36,100
Cullen CFR 5,398 1,321 465 4,211
Old National Bancorp ONB 2,949 761 206 2,652
Univest Financial Corporation UVSP 763 220 66 717
Summit Financial Group Inc SMMF 324 91 30 231
First Mid Bancshares, Inc. FMBH 537 160 43 513
Marsh & Mclennan Companies, Inc. MMC 50,063 15,656 1,509 57,000
Capital Financial Holdings, Inc. CPFH 1 15 0 20
Bb&t Corporation BBT 36,058 11,198 3,327 33,400
Gwg Holdings, Inc. GWGH 327 10 -125 50
Primerica, Inc. PRI 4,925 1,972 348 1,764
Ladenburg Thalmann Financial Services Inc. LTS 361 1,425 36 1,307
Sundance Strategies, Inc. SUND 117 0 -25 3
Gallagher Arthur J & Co AJG 17,031 15,834 739 21,500
Brown & Brown, Inc. BRO 10,124 2,234 386 7,807
Cninsure Inc. CISG 0 0 0 4,288
Crawford & Co CRDA 313 1,064 28 8,941
Erie Indemnity Company ERIE 11,590 2,470 306 4,800
Willis Towers Watson Plc. WSH 0 8,175 461 23,700
Corvel Corp CRVL 1,594 595 48 3,508
Amerisafe Inc AMSF 1,329 375 76 449
Employers Holdings, Inc. EIG 1,401 833 166 716
Assured Guaranty Ltd AGO 4,540 949 445 300
West End Indiana Bancshares, Inc. WEIN 34 12 1 70
SUBTOTAL 347,931 630,337 21,003 1,083,747


             
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