CNO Financial Earnings 2020-03-31

Balance Sheet	Income Statement	Cash Flow
Assets, Equity	Rev, G Profit, Net Income	Ops, Inv, Fin

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Table of Contents

UNITED STATES

SECURITIES AND EXCHANGE COMMISSION

Washington, D.C. 20549

Form 10-Q



☑	QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the quarterly period ended March 31, 2020



☐	TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934

For the transition period from ___ to ___

Commission File Number 001-31792

CNO Financial Group, Inc.



Delaware			75-3108137
State of Incorporation			IRS Employer Identification No.

11825 N. Pennsylvania Street
Carmel,	Indiana	46032	(317)	817-6100
Address of principal executive offices			Telephone

Indicate by check mark whether the Registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act): Yes ☐ No ☒

Securities registered pursuant to Section 12(b) of the Act:



Title of each class	Trading Symbol	Name of each exchange on which registered
Common Stock, par value $0.01 per share	CNO	New York Stock Exchange
Rights to purchase Series D Junior Participating Preferred Stock		New York Stock Exchange

Indicate by check mark whether the Registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days: Yes ☒ No ☐

Indicate by check mark whether the Registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405 of Regulation S-T during the preceding 12 months (or for such shorter period that the registrant was required to submit such files). Yes ☒ No ☐

Indicate by check mark whether the Registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, or an emerging growth company. See the definitions of "large accelerated filer", "accelerated filer", "smaller reporting company", and "emerging growth company" in Rule 12b-2 of the Exchange Act. Large accelerated filer ☒ Accelerated filer ☐ Non-accelerated filer ☐ Smaller reporting company ☐ Emerging growth company ☐

If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with any new or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act. ☐

Indicate by check mark whether the Registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act): Yes ☐ No ☒

Shares of common stock outstanding as of April 28, 2020: 143,617,498

TABLE OF CONTENTS



PART I - FINANCIAL INFORMATION		Page

Item 1.	Financial Statements (unaudited)

	Consolidated Balance Sheet as of March 31, 2020 and December 31, 2019	3
	Consolidated Statement of Operations for the three months ended March 31, 2020 and 2019	5
	Consolidated Statement of Comprehensive Income for the three months ended March 31, 2020 and 2019	6
	Consolidated Statement of Shareholders' Equity for the three months ended March 31, 2020 and 2019	7
	Consolidated Statement of Cash Flows for the three months ended March 31, 2020 and 2019	8
	Notes to Consolidated Financial Statements	9

Item 2.	Management's Discussion and Analysis of Consolidated Financial Condition and Results of Operations	54
	Cautionary Statement Regarding Forward-Looking Statements	54
	Overview	56
	Critical Accounting Policies	60
	Results of Operations	61
	Premium Collections	67
	Liquidity and Capital Resources	69
	Investments	76
	Investments in Variable Interest Entities	83
	New Accounting Standards	85

Item 3.	Quantitative and Qualitative Disclosures About Market Risk	85

Item 4.	Controls and Procedures	86


PART II - OTHER INFORMATION

Item 1.	Legal Proceedings	87

Item 1A.	Risk Factors	87

Item 2.	Unregistered Sales of Equity Securities and Use of Proceeds	89

Item 6.	Exhibits	90

PART I - FINANCIAL INFORMATION

ITEM 1. FINANCIAL STATEMENTS.

CNO FINANCIAL GROUP, INC. AND SUBSIDIARIES

CONSOLIDATED BALANCE SHEET

(Dollars in millions)

(unaudited)

ASSETS



	March 31, 2020		December 31, 2019

Investments:
Fixed maturities, available for sale, at fair value (net of allowance for credit losses of $19.9 at March 31, 2020; amortized cost: March 31, 2020 - $19,420.2; December 31, 2019 - $19,179.5)	$	20,379.1	$	21,295.2
Equity securities at fair value (cost: March 31, 2020 - $65.9; December 31, 2019 - $44.2)	50.1		44.1
Mortgage loans (net of allowance for credit losses of $8.3 at March 31, 2020)	1,484.1		1,566.1
Policy loans	124.7		124.5
Trading securities	227.8		243.9
Investments held by variable interest entities (net of allowance for credit losses of $37.7 at March 31, 2020; amortized cost: March 31, 2020 - $1,216.4; December 31, 2019 - $1,206.3)	1,038.1		1,188.6
Other invested assets	953.3		1,118.5
Total investments	24,257.2		25,580.9
Cash and cash equivalents - unrestricted	482.0		580.0
Cash and cash equivalents held by variable interest entities	68.5		74.7
Accrued investment income	213.0		205.9
Present value of future profits	282.2		275.4
Deferred acquisition costs	1,398.6		1,215.5
Reinsurance receivables (net of allowance for credit losses of $4.0 at March 31, 2020)	4,727.5		4,785.7
Income tax assets, net	703.2		432.6
Assets held in separate accounts	3.2		4.2
Other assets	599.6		476.0
Total assets	$	32,735.0	$	33,630.9

(continued on next page)

The accompanying notes are an integral part

of the consolidated financial statements.

Table of Contents

CNO FINANCIAL GROUP, INC. AND SUBSIDIARIES

CONSOLIDATED BALANCE SHEET, continued

(Dollars in millions)

(unaudited)

LIABILITIES AND SHAREHOLDERS' EQUITY



	March 31, 2020		December 31, 2019

Liabilities:
Liabilities for insurance products:
Policyholder account liabilities	$	12,138.1	$	12,132.3
Future policy benefits	11,429.9		11,498.5
Liability for policy and contract claims	510.7		522.3
Unearned and advanced premiums	251.0		260.5
Liabilities related to separate accounts	3.2		4.2
Other liabilities	850.7		750.2
Investment borrowings	1,643.9		1,644.3
Borrowings related to variable interest entities	1,152.3		1,152.5
Notes payable – direct corporate obligations	989.4		989.1
Total liabilities	28,969.2		28,953.9
Commitments and Contingencies
Shareholders' equity:
Common stock ($0.01 par value, 8,000,000,000 shares authorized, shares issued and outstanding: March 31, 2020 – 143,610,046; December 31, 2019 – 148,084,178)	1.4		1.5
Additional paid-in capital	2,688.5		2,767.3
Accumulated other comprehensive income	595.2		1,372.5
Retained earnings	480.7		535.7
Total shareholders' equity	3,765.8		4,677.0
Total liabilities and shareholders' equity	$	32,735.0	$	33,630.9

The accompanying notes are an integral part

of the consolidated financial statements.

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CNO FINANCIAL GROUP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENT OF OPERATIONS

(Dollars in millions, except per share data)

(unaudited)



	Three months ended
	March 31,
	2020			2019
Revenues:
Insurance policy income	$	628.7		$	619.3
Net investment income:
General account assets	280.3			268.8
Policyholder and other special-purpose portfolios	(110.7		)	87.0
Realized investment gains (losses):
Net realized investment gains (losses)	(60.1		)	18.3
Change in allowance for credit losses and other-than-temporary impairment losses (a)	(55.4		)	(2.2		)
Total realized gains (losses)	(115.5		)	16.1
Fee revenue and other income	34.4			31.8
Total revenues	717.2			1,023.0
Benefits and expenses:
Insurance policy benefits	490.8			623.5
Interest expense	33.4			41.0
Amortization	50.2			58.2
Other operating costs and expenses	213.8			234.7
Total benefits and expenses	788.2			957.4
Income (loss) before income taxes	(71.0		)	65.6
Income tax expense (benefit):
Tax expense (benefit) on period income	(15.8		)	13.8
Valuation allowance for deferred tax assets and other tax items	(34.0		)	—
Net income (loss)	$	(21.2	)	$	51.8
Earnings per common share:
Basic:
Weighted average shares outstanding	145,829,000			160,948,000
Net income (loss)	$	(.15	)	$	.32
Diluted:
Weighted average shares outstanding	145,829,000			162,189,000
Net income (loss)	$	(.15	)	$	.32

______________


(a)	No portion of the other-than-temporary impairments recognized in the 2019 period was included in accumulated other comprehensive income.

The accompanying notes are an integral part

of the consolidated financial statements.

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CNO FINANCIAL GROUP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENT OF COMPREHENSIVE INCOME

(Dollars in millions)

(unaudited)



	Three months ended
	March 31,
	2020			2019
Net income (loss)	$	(21.2	)	$	51.8
Other comprehensive income, before tax:
Unrealized gains (losses) on investments:	(1,325.4		)	690.2
Adjustment to present value of future profits and deferred acquisition costs	136.3			(50.5		)
Amount related to premium deficiencies assuming the net unrealized gains (losses) had been realized	135.5			(31.5		)
Reclassification adjustments:
For net realized investment losses included in net income (loss)	65.6			1.1
For amortization of the present value of future profits and deferred acquisition costs related to net realized investment gains (losses) included in net income (loss)	(3.4		)	.2
Other comprehensive income (loss) before tax	(991.4		)	609.5
Income tax (expense) benefit related to items of accumulated other comprehensive income (loss)	214.1			(132.3		)
Other comprehensive income (loss), net of tax	(777.3		)	477.2
Comprehensive income (loss)	$	(798.5	)	$	529.0

The accompanying notes are an integral part

of the consolidated financial statements.

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CNO FINANCIAL GROUP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENT OF SHAREHOLDERS' EQUITY

(Dollars in millions, shares in thousands)

(unaudited)



	Common stock					Additional paid-in			Accumulated other comprehensive			Retained
	Shares		Amount			capital			income			earnings			Total
Balance, December 31, 2018	162,202		$	1.6		$	2,995.0		$	177.7		$	196.6		$	3,370.9
Cumulative effect of accounting change	—		—			—			—			(3.1		)	(3.1		)
Balance, January 1, 2019	162,202		1.6			2,995.0			177.7			193.5			3,367.8
Net income	—		—			—			—			51.8			51.8
Change in unrealized appreciation (depreciation) of investments (net of applicable income tax expense of $132.3)	—		—			—			477.1			—			477.1
Change in noncredit component of impairment losses on fixed maturities, available for sale (net of applicable income tax expense of less than $.1)	—		—			—			.1			—			.1
Common stock repurchased	(2,893	)	—			(47.0		)	—			—			(47.0		)
Dividends on common stock	—		—			—			—			(16.1		)	(16.1		)
Employee benefit plans, net of shares used to pay tax withholdings	646		—			4.2			—			—			4.2
Balance, March 31, 2019	159,955		$	1.6		$	2,952.2		$	654.9		$	229.2		$	3,837.9

Balance, December 31, 2019	148,084		$	1.5		$	2,767.3		$	1,372.5		$	535.7		$	4,677.0
Cumulative effect of accounting change	—		—			—			—			(17.8		)	(17.8		)
Balance, January 1, 2020	148,084		1.5			2,767.3			1,372.5			517.9			4,659.2
Net loss	—		—			—			—			(21.2		)	(21.2		)
Change in unrealized appreciation (depreciation) of investments (net of applicable income tax benefit of $214.1)	—		—			—			(777.3		)	—			(777.3		)
Common stock repurchased	(5,083	)	(.1		)	(82.9		)	—			—			(83.0		)
Dividends on common stock	—		—			—			—			(16.0		)	(16.0		)
Employee benefit plans, net of shares used to pay tax withholdings	609		—			4.1			—			—			4.1
Balance, March 31, 2020	143,610		$	1.4		$	2,688.5		$	595.2		$	480.7		$	3,765.8

The accompanying notes are an integral part

of the consolidated financial statements.

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CNO FINANCIAL GROUP, INC. AND SUBSIDIARIES

CONSOLIDATED STATEMENT OF CASH FLOWS

(Dollars in millions)

(unaudited)



	Three months ended
	March 31,
	2020			2019
Cash flows from operating activities:
Insurance policy income	$	575.3		$	581.2
Net investment income	285.7			272.3
Fee revenue and other income	34.4			31.8
Insurance policy benefits	(429.2		)	(407.7		)
Interest expense	(20.3		)	(28.9		)
Deferrable policy acquisition costs	(68.2		)	(69.6		)
Other operating costs	(250.1		)	(241.8		)
Income taxes	(1.9		)	5.0
Net cash from operating activities	125.7			142.3
Cash flows from investing activities:
Sales of investments	417.9			1,775.5
Maturities and redemptions of investments	595.7			516.2
Purchases of investments	(1,178.2		)	(2,406.5		)
Net purchases of trading securities	(6.3		)	(.7		)
Other	(7.3		)	(10.6		)
Net cash used by investing activities	(178.2		)	(126.1		)
Cash flows from financing activities:
Issuance of common stock	2.7			2.8
Payments to repurchase common stock	(88.0		)	(44.0		)
Common stock dividends paid	(16.2		)	(16.4		)
Amounts received for deposit products	404.8			420.1
Withdrawals from deposit products	(354.0		)	(342.8		)
Issuance of investment borrowings:
Federal Home Loan Bank	—			50.0
Payments on investment borrowings:
Federal Home Loan Bank	(.5		)	(50.3		)
Related to variable interest entities	(.5		)	(.9		)
Net cash provided (used) by financing activities	(51.7		)	18.5
Net increase (decrease) in cash and cash equivalents	(104.2		)	34.7
Cash and cash equivalents - unrestricted and held by variable interest entities, beginning of period	654.7			656.6
Cash and cash equivalents - unrestricted and held by variable interest entities, end of period	$	550.5		$	691.3

The accompanying notes are an integral part

of the consolidated financial statements.

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CNO FINANCIAL GROUP, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements

(unaudited)

___________________

BUSINESS AND BASIS OF PRESENTATION

The following notes should be read together with the notes to the consolidated financial statements included in our 2019 Annual Report on Form 10-K.

CNO Financial Group, Inc., a Delaware corporation ("CNO"), is a holding company for a group of insurance companies operating throughout the United States that develop, market and administer health insurance, annuity, individual life insurance and other insurance products. The terms "CNO Financial Group, Inc.", "CNO", the "Company", "we", "us", and "our" as used in these financial statements refer to CNO and its subsidiaries. Such terms, when used to describe insurance business and products, refer to the insurance business and products of CNO's insurance subsidiaries.

We focus on serving middle-income pre-retiree and retired Americans, which we believe are attractive, underserved, high growth markets. We sell our products through three distribution channels: career agents, independent producers (some of whom sell one or more of our product lines exclusively) and direct marketing.

Our unaudited consolidated financial statements reflect normal recurring adjustments that, in the opinion of management, are necessary for a fair statement of our financial position, results of operations and cash flows for the periods presented. As permitted by rules and regulations of the Securities and Exchange Commission (the "SEC") applicable to quarterly reports on Form 10-Q, we have condensed or omitted certain information and disclosures normally included in financial statements prepared in accordance with accounting principles generally accepted in the United States of America ("GAAP"). We have reclassified certain amounts from the prior periods to conform to the 2020 presentation. These reclassifications have no effect on net income or shareholders' equity. Results for interim periods are not necessarily indicative of the results that may be expected for a full year, especially when considering the risks and uncertainties associated with the novel coronavirus ("COVID-19") and the impact it may have on our business, results of operations and financial condition. The COVID-19 pandemic has negatively impacted the U.S. and global economies, lowered equity market valuations, created significant volatility and disruption in the capital markets, dramatically increased unemployment levels and has fueled concerns that it will lead to a global recession. Depending on the duration and severity of the pandemic, we foresee the potential for adverse impacts related to, among other things: (i) sales results; (ii) insurance product margin; (iii) net investment income; (iv) invested assets; (v) regulatory capital; (vi) liabilities for insurance products; (vii) deferred acquisition costs; (viii) the present value of future profits; and (ix) income tax assets. The full extent to which COVID-19 will impact our business, results of operations and financial condition remains uncertain.

The balance sheet at December 31, 2019, presented herein, has been derived from the audited financial statements at that date but does not include all of the information and footnotes required by GAAP for complete financial statements.

When we prepare financial statements in conformity with GAAP, we are required to make estimates and assumptions that significantly affect reported amounts of various assets and liabilities and the disclosure of contingent assets and liabilities at the date of the financial statements and revenues and expenses during the reporting periods. For example, we use significant estimates and assumptions to calculate values for deferred acquisition costs, the present value of future profits, fair value measurements of certain investments (including derivatives), other-than-temporary impairments of investments, assets and liabilities related to income taxes, liabilities for insurance products, liabilities related to litigation and guaranty fund assessment accruals. If our future experience differs from these estimates and assumptions, our financial statements would be materially affected.

The accompanying financial statements include the accounts of the Company and its subsidiaries. Our consolidated financial statements exclude transactions between us and our consolidated affiliates, or among our consolidated affiliates.

INVESTMENTS

We classify our fixed maturity securities into one of two categories: (i) "available for sale" (which we carry at estimated fair value with any unrealized gain or loss, net of tax and related adjustments, recorded as a component of shareholders' equity); or (ii) "trading" (which we carry at estimated fair value with changes in such value recognized as either net investment income (classified as investment income from policyholder and other special-purpose portfolios) or realized investment gains (losses)).

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CNO FINANCIAL GROUP, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements

(unaudited)

___________________

Trading securities include: (i) investments purchased with the intent of selling in the near term to generate income; (ii) investments supporting certain insurance liabilities; and (iii) certain fixed maturity securities containing embedded derivatives for which we have elected the fair value option. The change in fair value of the income generating investments and investments supporting insurance liabilities and reinsurance agreements is recognized in income from policyholder and other special-purpose portfolios (a component of net investment income). The change in fair value of securities with embedded derivatives is recognized in realized investment gains (losses). Investment income related to investments supporting certain insurance liabilities is substantially offset by the change in insurance policy benefits related to certain products.

When an available for sale fixed maturity security's fair value is below the amortized cost, the security is considered impaired. If a portion of the decline is due to credit-related factors, we separate the credit loss component of the impairment from the amount related to all other factors and report the credit loss component in net realized investment gains (losses) limited to the difference between estimated fair value and amortized cost. The impairment related to all other factors (non-credit factors) is reported in accumulated other comprehensive income along with unrealized gains related to fixed maturity investments, available for sale, net of tax and related adjustments. The allowance is adjusted for any additional credit losses and subsequent recoveries. When recognizing an allowance associated with a credit loss, the cost basis is not adjusted. When we determine a security is uncollectable, the remaining amortized cost will be written off.

In determining the credit loss component, we discount the estimated cash flows on a security by security basis. We consider the impact of macroeconomic conditions on inputs used to measure the amount of credit loss. For most structured securities, cash flow estimates are based on bond-specific facts and circumstances that may include collateral characteristics, expectations of delinquency and default rates, loss severity, prepayment speeds and structural support, including overcollateralization, excess spread, subordination and guarantees. For corporate bonds, cash flow estimates are derived by considering asset type, rating, time to maturity, and applying an expected loss rate.

If we intend to sell an impaired fixed maturity security, available for sale, or identify an impaired fixed maturity security, available for sale, for which is it more likely than not we will be required to sell before anticipated recovery, the difference between the fair value and the amortized cost is included in net realized investment gains (losses) and the fair value becomes the new amortized cost. The new cost basis is not adjusted for any subsequent recoveries in fair value.

The Company reports investment income accrued separately from fixed maturities, available for sale, and has elected not to measure an allowance for credit losses for investment income accrued. Investment income accrued is written off through net investment income at the time the issuer of the bond defaults or is expected to default on payments.

Accumulated other comprehensive income is primarily comprised of the net effect of unrealized appreciation (depreciation) on our investments. These amounts, included in shareholders' equity as of March 31, 2020 and December 31, 2019, were as follows (dollars in millions):



	March 31, 2020			December 31, 2019
Net unrealized appreciation (depreciation) on fixed maturity securities, available for sale, on which an other-than-temporary impairment loss has been recognized	$	—		$	1.1
Net unrealized gains on all other fixed maturity securities, available for sale	—			2,095.3
Net unrealized gains on investments having no allowance for credit losses	957.4			—
Unrealized losses on investments with an allowance for credit losses	(120.8		)	—
Adjustment to present value of future profits (a)	(3.9		)	(18.9		)
Adjustment to deferred acquisition costs	(71.0		)	(227.9		)
Adjustment to insurance liabilities	—			(96.5		)
Deferred income tax liabilities	(166.5		)	(380.6		)
Accumulated other comprehensive income	$	595.2		$	1,372.5

________


(a)	The present value of future profits is the value assigned to the right to receive future cash flows from contracts existing at September 10, 2003, the date Conseco, Inc., an Indiana corporation, emerged from bankruptcy.

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CNO FINANCIAL GROUP, INC. AND SUBSIDIARIES

Notes to Consolidated Financial Statements

(unaudited)

___________________

At March 31, 2020, the amortized cost, gross unrealized gains, gross unrealized losses, allowance for credit losses and estimated fair value of fixed maturities, available for sale, were as follows (dollars in millions):



	Amortized cost		Gross unrealized gains		Gross unrealized losses			Allowance for credit losses			Estimated fair value
Corporate securities	$	11,740.8	$	1,207.8	$	(313.1	)	$	(18.2	)	$	12,617.3
United States Treasury securities and obligations of United States government corporations and agencies	150.5		82.1		—			—			232.6
States and political subdivisions	1,970.6		254.7		(3.3		)	(.6		)	2,221.4
Foreign governments	88.1		6.2		(.7		)	(.1		)	93.5
Asset-backed securities	1,272.4		14.4		(81.1		)	—			1,205.7
Agency residential mortgage-backed securities	72.7		7.6		—			—			80.3
Non-agency residential mortgage-backed securities	1,854.2		48.4		(76.5		)	(1.0		)	1,825.1
Commercial mortgage-backed securities	1,812.5		14.9		(123.1		)	—			1,704.3
Collateralized loan obligations	458.4		—		(59.5		)	—			398.9
Total fixed maturities, available for sale	$	19,420.2	$	1,636.1	$	(657.3	)	$	(19.9	)	$	20,379.1

At December 31, 2019, the amortized cost, gross unrealized gains and losses, estimated fair value and other-than-temporary impairments in accumulated other comprehensive income of fixed maturities, available for sale, were as follows (dollars in millions):



	Amortized cost		Gross unrealized gains		Gross unrealized losses			Estimated fair value		Other-than-temporary impairments included in accumulated other comprehensive income
Corporate securities	$	11,403.5	$	1,544.1	$	(12.3	)	$	12,935.3	$	—
United States Treasury securities and obligations of United States government corporations and agencies	161.4		43.3		(.1		)	204.6		—
States and political subdivisions	2,002.1		246.1		(1.5		)	2,246.7		—
Foreign governments	82.6		13.0		—			95.6		—
Asset-backed securities	1,352.9		36.8		(1.8		)	1,387.9		—
Agency residential mortgage-backed securities	89.2		5.8		—			95.0		—
Non-agency residential mortgage-backed securities	1,871.0		172.3

Price	16.07	EPS	1
Shares	159	P/E	16
MCap	2,556	P/FCF	5
Net Debt	178	EBIT	309
TEV	2,734	TEV/EBIT	9
TTM 2019-09-30, in MM, except price, ratios

10-Q	2020-03-31	Filed 2020-05-11
10-K	2019-12-31	Filed 2020-02-25
10-Q	2019-09-30	Filed 2019-11-06
10-Q	2019-06-30	Filed 2019-08-06
10-Q	2019-03-31	Filed 2019-05-03
10-K	2018-12-31	Filed 2019-02-26
10-Q	2018-09-30	Filed 2018-11-05
10-Q	2018-06-30	Filed 2018-08-03
10-Q	2018-03-31	Filed 2018-05-02
10-K	2017-12-31	Filed 2018-02-23
10-Q	2017-09-30	Filed 2017-11-01
10-Q	2017-06-30	Filed 2017-08-04
10-Q	2017-03-31	Filed 2017-05-03
10-K	2016-12-31	Filed 2017-02-21
10-Q	2016-09-30	Filed 2016-11-07
10-Q	2016-06-30	Filed 2016-08-02
10-Q	2016-03-31	Filed 2016-05-04
10-K	2015-12-31	Filed 2016-02-19
10-Q	2015-09-30	Filed 2015-11-03
10-Q	2015-06-30	Filed 2015-08-03
10-Q	2015-03-31	Filed 2015-05-05
10-K	2014-12-31	Filed 2015-02-20
10-Q	2014-09-30	Filed 2014-11-06
10-Q	2014-06-30	Filed 2014-08-05
10-Q	2014-03-31	Filed 2014-05-06
10-K	2013-12-31	Filed 2014-02-24
10-Q	2013-09-30	Filed 2013-11-01
10-Q	2013-06-30	Filed 2013-08-02
10-K	2012-12-31	Filed 2013-02-19
10-Q	2012-09-30	Filed 2012-11-01
10-Q	2012-06-30	Filed 2012-07-27
10-Q	2012-03-31	Filed 2012-05-04
10-K	2011-12-31	Filed 2012-02-27
10-Q	2011-09-30	Filed 2011-10-31
10-Q	2011-06-30	Filed 2011-08-01
10-Q	2011-03-31	Filed 2011-05-05
10-K	2010-12-31	Filed 2011-02-24
10-Q	2010-09-30	Filed 2010-11-08
10-Q	2010-06-30	Filed 2010-08-06
10-Q	2010-03-31	Filed 2010-05-10
10-K	2009-12-31	Filed 2010-03-04

8-K	2020-05-08
8-K	2020-05-05
8-K	2020-02-26
8-K	2020-02-19
8-K	2020-02-11
8-K	2020-01-14
8-K	2019-11-19
8-K	2019-11-14
8-K	2019-11-05
8-K	2019-09-05
8-K	2019-08-06
8-K	2019-07-30
8-K	2019-06-12
8-K	2019-05-29
8-K	2019-05-28
8-K	2019-05-28
8-K	2019-05-10
8-K	2019-04-30
8-K	2019-04-29
8-K	2019-03-18
8-K	2019-03-04
8-K	2019-02-13
8-K	2019-02-12
8-K	2018-11-01
8-K	2018-10-31
8-K	2018-10-25
8-K	2018-09-27
8-K	2018-08-02
8-K	2018-08-01
8-K	2018-08-01
8-K	2018-05-09
8-K	2018-04-26
8-K	2018-04-25
8-K	2018-02-14
8-K	2018-02-13

EX-10.1	cno03312020ex101.htm
EX-10.2	cno03312020ex102.htm
EX-10.3	cno03312020ex103.htm
EX-10.4	cno03312020ex104.htm
EX-31.1	cno03312020ex311.htm
EX-31.2	cno03312020ex312.htm
EX-32.1	cno03312020ex321.htm
EX-32.2	cno03312020ex322.htm

CNO 10Q Quarterly Report

CNO Financial Earnings 2020-03-31