Earnings: Hartford, Ameriprise, Genworth, Lincoln, Symetra, FBL, RGA, Aflac, Unum, Assurant, Aetna, CIGNA, Health Net, Aon, Towers Watson

NET INCOME: $619 million

REVENUE: $6.7 billion

4Q 2009 Results

NET INCOME: $557 million

REVENUE: $5.2 billion

- In group benefits, "the company is implementing rate changes to address loss cost trends."

- Wealth management net income increased to $375 million for the latest quarter, from $116 million for the fourth quarter of 2009.

- Individual life sales increased 7%, and retirement plan deposits increased 13%.

Ameriprise Financial Inc.., Minneapolis. (NYSE:AMP)

4Q 2010 Results

NET INCOME: $279 million

REVENUE: $2.7 billion

4Q 2009 Results

NET INCOME: $312 million

REVENUE: $2.6 billion

- Adjustments to 2010 net results include $4 million in severance and related expenses associated with a decision to discontinue new sales of RiverSource variable annuities through non-Ameriprise distribution channels.

- Net revenue per advice and wealth management advisor increased 21%.

Lincoln National Corp., Radnor, Pa. (NYSE:LNC)

4Q 2010 Results

NET INCOME: $196 million

REVENUE: $2.7 billion

4Q 2009 Results

NET INCOME: $102 million

REVENUE: $2.4 billion

- Variable annuity deposits increased 7% to $2.2 billion.

- The MoneyGuard product helped increase life sales 6%, to $206 million.

- In group protection, the non-medical loss ratio increased to 76%, from 69% in the fourth quarter of 2009.

Genworth Financial Inc., Richmond, Va. (NYSE:GNW)

4Q 2010 Results

NET INCOME: $126 million loss

REVENUE: $2.6 billion

4Q 2009 Results

NET INCOME: $75 million

REVENUE: $2.5 billion

- Net results included a $352 million net operating loss on U.S. mortgage insurance operations.

- Net operating income at the retirement and protection segment increaed to $117 million for the latest quarter, from $101 million for the fourth quarter of 2009.

- Variable annuity sales increased to $254 million, from $204 million. The company is now discontinuing sales of group and individual variable annuities.

- The long term care insurance unit is reporting $43 million in net operating income and $83 million in sales for the latest quarter, compared with $49 million in net operating income and $63 million in sales for the fourth quarter of 2009. New business has been more profitable than older blocks, and investment yields have been improving, Genworth says.

Symetra Financial Corp., Bellevue, Wash. (NYSE:SYA)

4Q 2010 Results

NET INCOME: $62 million

REVENUE: $495 million

4Q 2009 Results

NET INCOME: $32 million

REVENUE: $440 million

- Income annuity sales fell to $68 million for the quarter, from $84 million in the fourth quarter of 2009.

- Sales of deferred annuities increased to $523 million, from $262 million, because of increased sales of fixed annuities through banks.

FBL Financial Group Inc., West Des Moines, Iowa (NYSE:FFG)

4Q 2010 Results

NET INCOME: $52 million

REVENUE: $344 million

4Q 2009 Results

NET INCOME: $31 million

REVENUE: $279 million

- The Farm Bureau Life distribution channel increased traditional annuity sales 27%, and it increased sales of traditional and universal life insurance 8%.

REINSURANCE

Reinsurance Group of America Inc., Chesterfield, Mo. (NYSE:RGA)

4Q 2010 Results

NET INCOME: $197 million

REVENUE: $2.3 billion

4Q 2009 Results

NET INCOME: $12 million

REVENUE: $1.9 billion

- Current U.S. mortality experience has been better than expected.

DISABILITY/WORKSITE/SPECIALTYHEALTH

Aflac Inc., Columbus, Ga.. (NYSE:AFL)

4Q 2010 Results

NET INCOME: $437 million

REVENUE: $5.3 billion

4Q 2009 Results

NET INCOME: $251 million

REVENUE: $4.6 billion

- In Japan, new sales increased 6.5%, to $448 million.

- In the United States, premium revenue increased 1%, to $1.1 billion, but sales fell 2.3%, to $409 million, and the economic climate continues to be challenging.

Unum Group Corp., Chattanooga, Tenn. (NYSE:UNM)

4Q 2010 Results

NET INCOME: $226 million

REVENUE: $2.6 billion

4Q 2009 Results

NET INCOME: $199 million

REVENUE: $2.5 billion

- The U.S. group disability business is reporting $77 million in operating income for the latest quarter on $514 million in premium revenue, compared with $73 million in operating income on $536 million in premium revenue for the fourth quarter of 2009. "Ongoing price competition, along with challenging economic conditions which negatively impact employment levels and the company's continued commitment to disciplined pricing, renewals, and risk selection were contributing factors to the decline in premium income," the company says.

- U.S. sales of fully insured group short-term disability increased 7.5%, to $37 million.

- The U.S. group disability claim ratio improved to 84.2%, from 84.6%; recoveries improved, but group long-term disability and short-term disability claim incidence rate increased.

- Colonial Life worksite unit sales increased 1.3%, to $121 million.

- The Colonial Life benefit ratio increased to 53.4%, from 48.5%, as use of coverage increased.

Assurant Inc., New York. (NYSE:AIZ)

4Q 2010 Results

NET INCOME: $184 million loss

REVENUE: $2.1 billion

4Q 2009 Results

NET INCOME: $12 million

REVENUE: $2.2 billion

- Net results for the latest quarter include a $306 million goodwill write-off.

- Assurant Employee Benefits is reporting $18 million in net operating income for the latest quarter on $269 million in earned premiums, up from $12 million in net operating income on $270 million in net earned premiums for the fourth quarter of 2009.

- Employee benefits disability and life mortality results were favorable.

- Assurant Health is reporting $15 million in net operating income for the latest quarter on $461 million in net earned premiums, compared with a $30 million net operating loss on $468 million in net earned premiums for the fourth quarter of 2009.

- Pricing and plan design changed helped improve health loss ratios.

MANAGED CARE

Aetna Inc., Hartford (NYSE:AET)

4Q 2010 Results

NET INCOME: $216 million

HEALTH PLAN MEMBERS: 18 million

REVENUE: $8.5 billion

4Q 2009 Results

NET INCOME: $166 million

HEALTH PLAN MEMBERS: 18 million

REVENUE: $8.8 billion

- Commercial medical plan enrollment held steady at about 17 million;

- Excluding "prior-period reserve development," the member benefit ratio fell to 82.3%, from 86.1% in the fourth quarter of 2009.

CIGNA Corp., Philadelphia (NYSE:CI)

4Q 2010 Results

NET INCOME: $440 million

HEALTH PLAN MEMBERS: 11 million

REVENUE: $5.4 billion

4Q 2009 Results

NET INCOME: $332 million

HEALTH PLAN MEMBERS: 11 million

REVENUE: $4.6 billion

- Earnings at the disability and life unit increased to $72 million for the latest quarter on $693 million in premium and fees, from $66 million on $647 million in premiums and fees.

Health Net Inc., Woodland Hills, Calif. (NYSE:HNT)

4Q 2010 Results

NET INCOME: $80 million

HEALTH PLAN MEMBERS: 2.9 million

REVENUE: $3.4 billion

4Q 2009 Results

NET INCOME: $45 million loss

HEALTH PLAN MEMBERS: 3 million

REVENUE: 3.8 billion

- The medical ratio for commercial plans in the Western region fell to 85.5%, from 86.4%.

DISTRIBUTION/CONSULTING

Aon Corp., Chicago (NYSE:AON)

4Q 2010 Results

NET INCOME: $241 million

REVENUE: $2.9 billion

4Q 2009 Results

NET INCOME: $218 million

REVENUE: $2.1 billion

- Weak economic conditions hurt retirement consulting.

- Benefits administration operations faced price compression and a drop in project-related revenue.

Towers Watson & Company, New York (NYSE:TW)

4Q 2010 Results

NET INCOME: $49 million

REVENUE: $791 million

4Q 2009 Results

NET INCOME: 24 million

REVENUE: $433 million

- Towers Watson has a fiscal year that ends June 30. The fourth quarter in calendar year 2010 was the second quarter in Tower Watson's 2011 fiscal year.

- The benefits operation had a 30% net operating income margin.

- At the benefits operation, on a "pro forma, constant currency basis, revenues were down 5%" from the total for the fourth quarter in calendar year 2009, the company says.