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    Consolidating corporation returns

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    All items in the Profits Tax Return must be completed fully and properly.

    For the full year 2016, losses incurred were in 2015.

    The decrease in losses incurred is primarily a result of fewer new delinquency notices received, a lower claim rate on new notices, and favorable reserve development on our prior period primary loss reserves.

    At the holding company we took actions that eliminated 66 million potentially dilutive shares and improved our capital profile." Sinks added, "We expect to write slightly less new insurance in 2017 compared to 2016 reflecting the current market conditions and a smaller origination market, however, when combined with an improvement in annual persistency we expect that our insurance in force portfolio will continue to grow.

    We will continue to focus on maintaining our industry leading expense ratio and further improving our capital structure for the betterment of shareholders.

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