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Fidelity & Guaranty Life  (FGL)
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    Sector  Financial    Industry Life Insurance
   Industry Life Insurance
   Sector  Financial
 

Fidelity & Guaranty Life's Suppliers Performance

FGL's Supply Chain

 
FGL Costs vs Sales of Suppliers Growth Fidelity & Guaranty Life's Suppliers recorded increase in sales by 18.46 % year on year in Q3 2017, sequentially sales grew by 17.51 %, while their net profit margin fell to 14.55 % year on year, compare to previous quarter FGL's Suppliers had lower net margin at 17.51 %,

More on FGL Suppliers




Fidelity & Guaranty Life's Suppliers recorded increase in sales by 18.46 % year on year in Q3 2017, sequentially sales grew by 17.51 %, while their net profit margin fell to 14.55 % year on year, compare to previous quarter FGL's Suppliers had lower net margin at 17.51 %,

More on FGL Suppliers




Fidelity & Guaranty Life's Comment on Supply Chain


We outsource the following functions to third-party service providers:

new business administration;

service of existing policies;

underwriting administration of life insurance applications;

call centers;

information technology development and maintenance;

investment accounting and custody; and

hosting of financial systems.
We closely manage our outsourcing partners and integrate their services into our operations. We believe that outsourcing such functions allows us to focus capital and FGL employees on our core business operations and perform differentiating functions, such as investment, actuarial, product development and risk management functions. In addition, we believe an outsourcing model provides predictable pricing, service levels and volume capabilities and allows us to benefit from technological developments that enhance our customer self-service and sales processes.


We outsource our new business and existing policy administration for annuity and life products to Transaction Applications Group, Inc. Under this arrangement, Transaction Applications Group, Inc. manages all of our call center and processing requirements.


We have partnered with Hooper Holmes, Inc. (“Hooper Holmes”) to implement our life insurance underwriting policies. Under the terms of the arrangement, Hooper Holmes has assigned FGL a dedicated team of underwriters with Fellow Life Management Institute designations. Underwriting guidelines for each product are established by our Chief Underwriting Officer in collaboration with our actuarial department. Our Chief Underwriting Officer and actuarial department work closely with the applicable reinsurance company to establish or change guidelines. Adherence to underwriting guidelines is managed at a case level through daily underwriting audits conducted by our Chief Underwriting Officer as well as the Hooper Holmes lead underwriter. Every three years, underwriting audits are conducted by our reinsurers. We believe that we have a good relationship with our principal outsource service providers.


Fidelity & Guaranty Life's Comment on Supply Chain


We outsource the following functions to third-party service providers:

new business administration;

service of existing policies;

underwriting administration of life insurance applications;

call centers;

information technology development and maintenance;

investment accounting and custody; and

hosting of financial systems.
We closely manage our outsourcing partners and integrate their services into our operations. We believe that outsourcing such functions allows us to focus capital and FGL employees on our core business operations and perform differentiating functions, such as investment, actuarial, product development and risk management functions. In addition, we believe an outsourcing model provides predictable pricing, service levels and volume capabilities and allows us to benefit from technological developments that enhance our customer self-service and sales processes.


We outsource our new business and existing policy administration for annuity and life products to Transaction Applications Group, Inc. Under this arrangement, Transaction Applications Group, Inc. manages all of our call center and processing requirements.


We have partnered with Hooper Holmes, Inc. (“Hooper Holmes”) to implement our life insurance underwriting policies. Under the terms of the arrangement, Hooper Holmes has assigned FGL a dedicated team of underwriters with Fellow Life Management Institute designations. Underwriting guidelines for each product are established by our Chief Underwriting Officer in collaboration with our actuarial department. Our Chief Underwriting Officer and actuarial department work closely with the applicable reinsurance company to establish or change guidelines. Adherence to underwriting guidelines is managed at a case level through daily underwriting audits conducted by our Chief Underwriting Officer as well as the Hooper Holmes lead underwriter. Every three years, underwriting audits are conducted by our reinsurers. We believe that we have a good relationship with our principal outsource service providers.



FGL's Suppliers Net profit fell by FGL's Suppliers Net margin fell in Q3 to
-5.37 % 14.55 %


Fidelity & Guaranty Life's Suppliers Sales Growth in Q3 2017 by Industry

Suppliers in Consumer Financial Services Industry      12.2 %
Suppliers in Accident & Health Insurance Industry      15.31 %
Suppliers in Life Insurance Industry      119.5 %
Suppliers in Insurance Brokerage Industry -2.83 %   
Suppliers in Property & Casualty Insurance Industry      9.49 %
Suppliers in Investment Services Industry      9.77 %
Suppliers in Miscellaneous Financial Services Industry      17.69 %
Suppliers in Money Center Banks Industry      3.35 %
Suppliers in Regional Banks Industry      7.73 %
Suppliers in S&Ls Savings Banks Industry      11.96 %
Suppliers in Real Estate Investment Trusts Industry      2.42 %
Suppliers in Personal Services Industry      4.61 %
Suppliers in Professional Services Industry      13.7 %
Suppliers in Software & Programming Industry      5.53 %
     
• FGL Suppliers Valuation • FGL Segment Rev. Growth • FGL Segment Inc. Growth • FGL Suppliers Mgmt. Effect.


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FGL's vs. Suppliers, Data

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



COMPANY NAME TICKER MARKET CAP REVENUES INCOME EMPLOYEES
Fidelity & Guaranty Life FGL 1,813 1,585 243 220
Atlantic American Corp AAME 57 185 2 147
Alliancebernstein Holding L.p. AB 2,996 271 242 3,600
Associated Capital Group, Inc. AC 961 16 -1 72
AMERICAN CAPITAL LTD. ACAS 0 0 0 366
Ace Ltd ACE 0 0 0 20,000
Arch Capital Group Ltd. ACGL 13,299 5,520 873 2,030
American Equity Investment Life Holding Co AEL 3,012 3,237 441 490
American Financial Group Inc AFA 2,299 7,268 718 6,500
Affiliated Managers Group, Inc. AFM 0 2,680 1,025 3,200
Argo Group International Holdings, Ltd. AGII 1,828 1,774 50 1,313
Aspen Insurance Holdings Ltd AHL 2,552 2,532 -146 1,121
American International Group Inc AIG 38,859 47,389 61 65,000
Amerinst Insurance Group Ltd AIGT 0 17 0 22
American National Insurance Co ANAT 4,117 3,732 622 4,736
Aon Plc AON 42,204 10,770 1,174 69,000
Artisan Partners Asset Management Inc. APAM 1,261 840 199 370
Apollo Global Management Llc APO 5,898 2,077 858 945
Ares Management Lp ARES 2,310 1,265 267 870
Asta Funding Inc ASFI 32 24 2 149
Allied World Assurance Co Holdings, Ag AWH 0 0 0 1,433
Axis Capital Holdings Ltd AXS 4,829 5,202 203 1,225
Bank Of America Corp BAC 297,903 90,141 23,703 224,000
Blucora, Inc. BCOR 1,337 533 44 487
Blue Capital Reinsurance Holdings Ltd. BCRH 63 42 -56 1
Franklin Resources Inc BEN 16,472 6,115 1,575 9,300
Bgc Partners, Inc. BGCP 3,062 3,975 230 7,841
Bank Of New York Mellon Corp BK 53,144 16,102 4,565 50,300
Blackrock Inc. BLK 70,558 24,116 5,566 13,000
Bok Financial Corp Et Al BOKF 5,946 1,561 379 4,789
Popular Inc BPOP 5,768 1,974 406 7,810
BERKSHIRE HATHAWAY INC. BRK 0 0 0 316,000
Bear Stearns Companies Inc. BSC 0 0 0 0
Blackstone Group L.p. BX 41,506 8,210 4,105 2,060
Citigroup Inc C 159,604 72,985 -5,091 241,000
Chubb Ltd CB 62,814 33,106 5,140 10,200
Cboe Global Markets, Inc. CBOE 10,638 2,642 544 564
Community Choice Financial Inc. CCFI 0 368 -165 3,356
Countrywide Financial Corporation CFC 0 0 0 0
Nuveen Diversified Commodity Fund CFD 0 0 0 1
Citizens Financial Group Inc CFG 17,986 5,695 1,908 17,000
Carlyle Group L.p. CG 2,108 2,795 450 1,700
Cigna Corporation CI 47,173 44,845 2,766 37,200
Citizens Inc CIA 347 246 -61 620
Cifc Llc CIFC 0 0 0 82
Calamos Asset Management, Inc. CLMS 0 0 0 348
Ishares Commodity Optimized Trust CMDT 17 0 1 1
Cme Group Inc. CME 60,189 3,973 4,516 2,680
Connectone Bancorp, Inc. CNBC 0 141 52 166
Cowen Inc. COWN 524 911 -9 769
Credit Suisse Group Ag CS 31,108 20,900 -948 48,200
Nuveen Long CTF 0 0 0 1
China United Insurance Service, Inc. CUII 88 75 9 2,239
Commvault Systems Inc CVLT 3,222 719 -46 2,839
City National Corp CYN 0 0 0 3,570
Invesco Db Agriculture Fund DBA 0 -76 -81 1
Invesco Db Base Metals Fund DBB 0 -29 -30 1
Invesco Db Commodity Index Tracking Fund DBC 0 355 336 1
Invesco Db Energy Fund DBE 0 76 65 1
Invesco Db Precious Metals Fund DBP 0 -12 -12 1
Invesco Db Silver Fund DBS 0 -3 -3 1
Invesco Db Gold Fund DGL 0 0 -2 1
Diamond Hill Investment Group Inc DHIL 550 149 57 126
Encore Capital Group Inc ECPG 992 1,274 82 6,700
Emc Insurance Group Inc. EMCI 695 693 40 1
Endurance Specialty Holdings Ltd. ENH 0 2,539 283 1,154
Enstar Group Ltd ESGR 3,947 968 71 1,327
Essent Group Ltd. ESNT 4,371 719 467 366
Eaton Vance Corp. EV 5,069 1,702 398 1,473
Evercore Inc. EVR 4,237 1,796 200 1,400
East West Bancorp Inc EWBC 8,137 1,490 616 2,833
First Citizens Bancshares Inc FCNCA 5,148 1,581 400 5,734
Factset Research Systems Inc FDS 8,849 1,373 281 9,074
Fbl Financial Group Inc FFG 1,785 743 1 1,637
First Financial Bankshares Inc FFIN 4,329 369 151 1,270
First Interstate Bancsystem Inc FIBK 2,474 550 154 1,742
Fortress Investment Group Llc FIG 3,099 1,172 380 3,325
Federated Investors Inc FII 2,916 1,109 293 1,435
First Midwest Bancorp Inc FMBI 2,415 594 119 1,790
Fnb Corp FNB 4,102 1,140 297 2,747
First Niagara Financial Group Inc FNFG 0 0 0 5,428
Financial Engines, Inc. FNGN 2,900 520 52 527
Futures Portfolio Fund L.p. FPF 2 63 -8 1
Fifth Street Asset Management Inc. FSAM 19 49 -29 70
First Trinity Financial Corp. FTFC 0 38 3 9
Fulton Financial Corp FULT 3,032 774 13 3,460
B. Riley Financial, Inc. GAMR 0 0 0 217
Glacier Bancorp Inc GBCI 3,799 514 147 2,245
Gamco Investors, Inc. Et Al GBL 602 352 107 168
Global Indemnity Ltd GBLI 550 510 -6 460
Wisdomtree Continuous Commodity Index Master Fund GCC 0 -5 -7 1
Spdr Gold Trust GLD 32,560 -131 -657 1
Credit Suisse Ag GLDI 0 0 0 48,200
Greenlight Capital Re, Ltd. GLRE 421 245 -311 30
Genworth Financial Inc GNW 2,285 8,103 889 5,300
U S Global Investors Inc GROW 20 1 -6 40
Goldman Sachs Group Inc GS 76,679 35,918 5,993 34,000
Ishares S&p Gsci Commodity-indexed Trust GSG 1,247 21 262 1
Great Western Bancorp, Inc. GWB 2,154 464 161 1,475
Hancock Holding Co HBHC 4,412 1,032 239 3,921
Hartford Financial Services Group Inc HIG 17,727 16,974 -2,092 17,500
Horace Mann Educators Corp HMN 1,672 1,153 64 1,350
Hilltop Holdings Inc. HTH 1,844 1,454 126 5,300
Ishares Gold Trust IAU 11,415 30 -916 1
Iberiabank Corp IBKC 4,467 1,149 250 3,084
Intercontinental Exchange, Inc. ICE 42,901 6,007 2,020 2,902
Independence Bancshares, Inc. IEBS 3 3 -2 30
Institutional Financial Markets, Inc. IFMI 32 54 4 87
Emergent Capital, Inc.. IFT 0 23 -24 32
Indo Global Exchange(s) Pte, Ltd. IGEX 0 0 0 1
First Internet Bancorp INBK 229 67 21 152
Independent Bank Corp. INDB 2,333 368 114 1,051
Intl Fcstone Inc. INTL 820 19,704 62 1,231
Iron Mountain Inc IRM 0 0 0 20,000
J.g. Wentworth Co JGW 0 654 -211 700
Jmp Group Llc JMP 95 136 -2 247
Jones Financial Companies Lllp JNFC 0 9,462 806 41,000
Janus Capital Group Inc JNS 0 0 0 1,209
Jpmorgan Chase & Co JPM 362,258 100,004 26,155 241,359
Kansas City Life Insurance Co KCLI 0 0 0 436
Kkr Financial Holdings Llc KFH 0 230 218 1
Kkr & Co. Inc. KKR 11,931 2,396 2,451 1,196
Loews Corp L 14,944 14,066 706 17,510
Lazard Ltd LAZ 4,785 2,873 336 2,610
Lehman Brothers Holdings Inc. LEH 0 0 0 0
Legg Mason, Inc. LM 125 2,996 351 2,979
Lincoln National Corp LNC 13,638 16,424 1,641 9,627
Ladenburg Thalmann Financial Services Inc. LTS 629 1,380 31 1,307
Lazard Group Llc LZD 0 2,885 601 2,610
Mbia Inc MBI 887 441 -326 252
Moodys Corp MCO 33,182 4,548 1,095 9,900
Medley Management Inc. MDLY 23 62 -7 80
Mellon Financial Corporation MEL 0 0 0 0
Merrill Lynch & Co., Inc. MER 0 0 0 0
S&p Global Inc. MHFI 0 6,258 2,121 17,000
Maiden Holdings, Ltd. MHLD 123 2,856 -155 204
MCGRAW-HILL COMPANIES, INC. MHP 0 0 0 0
MARSHALL & ILSLEY CORPORATION MI 0 0 0 0
Midwest Holding Inc. MIDH 0 3 -4 19
Markel Corp MKL 14,516 7,461 1,062 10,600
Marketaxess Holdings Inc MKTX 8,839 442 173 342
Mma Capital Management, Llc MMAC 173 40 24 55
Marsh & Mclennan Companies, Inc. MMC 46,966 14,921 1,541 57,000
Manning & Napier, Inc. MN 163 170 24 474
Morningstar, Inc. MORN 5,421 1,000 180 3,930
Morgan Stanley MS 72,465 39,646 7,312 55,802
Nbt Bancorp Inc NBTB 1,731 402 103 1,721
Nasdaq, Inc. NDAQ 14,799 4,167 749 3,687
Noah Holdings Ltd NOAH 0 0 0 2,688
National Penn Bancshares Inc NPBC 0 0 0 1,606
National Security Group Inc NSEC 32 65 3 1
National Western Life Group, Inc. NWLI 1,101 757 135 261
NEWS CORPORATION NWSA 0 0 0 0
Nyse Euronext NYX 0 0 0 0
Oaktree Capital Group, Llc OAK 3,047 1,076 444 924
Ofg Bancorp OFG 1,089 310 77 1,466
Brightsphere Investment Group Plc OMAM 1,635 963 65 1,163
Oxbridge Re Holdings Ltd OXBR 6 2 1 2
Och-ziff Capital Management Group Llc OZM 2,574 770 41 659
Bank Of The Ozarks Inc OZRK 5,039 765 308 1,642
Peoples United Financial, Inc. PBCT 6,067 1,533 441 4,856
Principal Financial Group Inc PFG 14,894 14,237 1,554 14,873
Prime Global Capital Group Inc PGCG 52 2 1 13
Piper Jaffray Companies PJC 997 815 -9 1,192
Protective Life Corporation PL 0 4,899 1,130 2,541
Pnc Financial Services Group, Inc. PNC 58,333 17,052 6,086 53,587
Phoenix Companies Inc PNX 0 0 0 630
Partnerre Ltd. PRE 0 5,675 264 1,035
Park National Corp PRK 1,610 352 107 1,793
Prudential Financial Inc PRU 40,093 62,992 4,088 48,331
Privatebancorp, Inc. PVTB 4,957 720 217 1,219
Pzena Investment Management, Inc. PZN 672 156 70 88
Everest Reinsurance Holdings Inc RE 9,079 2,440 137 1,207
Regions Financial Corp RF 17,794 5,640 1,560 23,723
Reinsurance Group Of America Inc RGA 9,297 12,830 1,823 2,201
B. Riley Financial, Inc. RILY 440 432 20 217
Raymond James Financial Inc RJD 0 7,714 979 11,000
Rli Corp RLI 3,220 854 142 902
Renaissancere Holdings Ltd. RNR 5,999 1,931 975 376
Renasant Corp RNST 2,038 506 119 1,996
Safeco Corporation SAFC 0 0 0 0
Silvercrest Asset Management Group Inc. SAMG 122 98 14 109
Seneca Global Fund, L.p. SENE 0 0 0 1
Stifel Financial Corp SF 4,429 3,195 394 7,100
Safeguard Scientifics Inc SFE 211 18 -18 30
Simmons First National Corp SFNC 2,571 649 423 1,946
Svb Financial Group SIVB 13,515 2,387 861 2,089
Ishares Silver Trust SLV 5,272 -99 -837 1
Santander Holdings Usa, Inc. SOVxC 0 7,108 1,141 15,150
Source Financial, Inc. SRCF 0 0 0 18
South State Corp SSB 2,594 637 132 2,058
S&t Bancorp Inc STBA 1,465 270 88 1,067
Suntrust Banks Inc STI 30,941 6,826 2,865 26,281
State Street Corp STT 27,384 11,712 2,371 29,970
Swk Holdings Corporation SWKH 135 31 -7 3
Symetra Financial Corporation SYA 0 0 0 1,400
Triumph Bancorp, Inc. TBK 916 234 52 500
Tcf Financial Corp TCB 0 1,383 318 6,755
Tidelands Bancshares Inc TDBK 0 0 0 79
Wisdomtree Coal Fund TONS 0 0 0 1
Third Point Reinsurance Ltd. TPRE 1,087 634 26 26
Price T Rowe Group Inc TROW 24,335 10,015 1,751 5,870
Union Bankshares Inc UBSH 161 -113 -23 188
United Bankshares Inc UBSI 4,023 705 210 1,701
United Community Banks Inc UCBI 2,348 505 108 1,883
United Fire Group Inc UFCS 1,269 1,009 74 1,057
Umb Financial Corp UMBF 3,465 966 218 3,830
Unum Group UNM 8,050 11,599 523 9,500
Us Bancorp De USB 83,365 21,057 6,835 66,750
United States Commodity Index Funds Trust USCI 662 31 25 1
United States 12 Month Oil Fund, Lp USL 65 35 34 1
United States Oil Fund, Lp USO 1,285 812 798 1
Utg Inc UTGN 100 61 30 42
Value Line Inc VALU 191 36 18 178
Proshares Trust Ii VIXY 0 -1,596 -1,571 1
Valley National Bancorp VLY 3,563 907 210 2,929
Voya Financial, Inc. VOYA 8,190 7,598 -2,248 7,000
Validus Holdings Ltd VR 5,415 2,881 -636 876
Virtus Investment Partners, Inc. VRTS 867 610 81 426
Westamerica Bancorporation WABC 1,722 192 55 813
Western Alliance Bancorporation WAL 4,971 909 412 1,446
Webster Financial Corporation WBS 0 0 0 2,946
Waddell & Reed Financial Inc WDR 1,441 1,183 184 1,691
Wisdomtree Investments, Inc. WETF 1,200 268 48 177
Wells Fargo & Company WFC 239,038 85,846 22,166 264,900
Westwood Holdings Group Inc WHG 335 131 24 168
Wright Investors Service Holdings, Inc. WISH 8 3 -1 28
Wesbanco Inc WSBC 2,161 419 124 1,633
Wintrust Financial Corp WTFC 4,333 1,260 332 3,770
Xl Group Ltd XL 15,194 11,595 -367 4,663
Alleghany Corp Y 9,669 6,887 55 3,135
SUBTOTAL 2,611,149 1,135,003 172,247 2,541,366


     
       
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