With regard to life insurance and annuities, we are working with our partners, rating agencies and associations to assess how the coronavirus will affect products, including pricing and risk assessment.

Most of the impact depends on how long stock market and interest rate volatility lasts, the ultimate impact on the economy (both domestically and internationally), and any action taken by the federal government. Uncertainty may be the most formidable challenge — the actual impact for companies and policyholders may not be known until the dust settles.