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The Hanover Insurance Group (THG)
SUMMARY
BULLS
BEARS
TOPICS
DATA CENTRAL
STOCK CHART
SEC FILINGS
BALANCE
INCOME
CASH FLOW
Topic Listing for The Hanover Insurance Group
A-controls Procedures
A-quantitative Qualitative Disclosures Market Risk
A-risk Factors
Absence Certain Changes
Accelerated Share Repurchase
Accident Health Assumed Reinsurance Pools Business
Accident Health Coinsurance Agreement
Account
Accounting
Accounting Settlement
Accounting Stock-based Compensation
Acquisition Aix Holdings Inc
Acquisition Proposal
Action
Action Unanimous Consent Directors
Actual Losses Claims Against Life Insurance Subsidiaries Exceed
Actual Losses Claims Against Property Casualty Insurance Subsidiaries
Actuarial Reports
Additionally Past Few Current Plans Continue Make Significant
Address Principal Executive Offices Zip Code
Adjusted Capital
Administration
Administration Eligible Employees
Administration Records Notices
Administrative Agent
Administrative Guidelines
Adopted Pursuant
Adoption Fsp Fas 115-2
Adoption Statement Position 03-1 Accounting Reporting Insurance Enterprises
Adversely Affected Decision Cease Retail Sales Through Broker
Adversely Affected Litigation Regarding Insurers Broker Dealers Sales
Affected Disruptions Caused Introduction New Personal Lines Products
Affiliate
Afims
Afims Shares
After Tax Segment Income 064 Per Share Compared
After Tax Segment Income 110 Per Share Compared
After-tax Segment Income 107 Per Share Compared 054
After-tax Segment Loss 204 Per Share Compared Income
Aggregate Purchase Price Adjustment
Agreement
Ait
Ait Merger Closing
Ait Reorganization Agreement
Aix Holdings
Allmerica Financial Corporation
Allmerica Financial Life Insurance
Although Monitor Financial Soundness Cannot Sure Reinsurers Pay
Amended Employment Continuity Plan
Amended Restated Employment Continuity Plan
Amendment
Amendment Termination
Amendments
Ancillary Agreements
Andrew Robinson
Annual Base Salary
Annual Dividend 010 Per Share 040
Annual Dividend 030 075 Per Share
Annual Dividend 045 Per Share
Annual Meeting
Annual Meeting Shareholders Held 2008
Annual Report Form 10-k
Annual Retainer
Annual Service Period Beginning 2007 Date Meeting Shareholders
Annual Service Period Beginning 2008 Date Meeting Shareholders-
Annual Service Period Beginning 2009 Date Meeting Shareholders-
Appendix
Approval 2006 Long-term Incentive Plan
Approval 2007 Short-term Incentive Compensation Program Awards
Approval 2008 Long-term Incentive Program
Approval 2008 Short-term Incentive Compensation Program
Approval 2008 Short-term Incentive Compensation Program Awards
Approval 2009 Long-term Incentive Program
Approval 2009 Short-term Incentive Compensation Plan
Approval 2009 Short-term Incentive Compensation Program
Approval Base Salary Increases
Arbiter
Asbestos Environmental Reserves
Assets
Assigned Risk Plans
Assumptions
Attachment
Attend Annual Meeting
Attend Meeting
Audit Committee
Audit Committee Report
Authorization Repurchase 100 Shares
Available Information
Awards
Awards Not Requiring Exercise
Awards Requiring Exercise
B-other Information
B-unresolved Staff Comments
Backing Net Reserves Relating Reinsured Liabilities 2008 Been
Balance Sheet
Basic Deferred Amount
Basis Presentation Principles Consolidation
Being Understood
Beneficial Ownership Reporting Compliance
Beneficiary
Beneficiary Designation
Benefit Payments
Benefits Insurance Contracts Underwriting Etc
Bests Ratings
Board Determine Directors Considered Independent
Board Directors Recommends Vote Following Proposals
Board Meeting Fees
Board Recommend Vote
Bonnie Haase
Book Value
Book Value Capital Management
Books Records
Boston
Brokers
Brokers Quote
Bryan Allen
Business
Business Continuity Disaster Recovery Plans Not Sufficiently Address
Business Reinsured
Businesses Heavily Regulated Changes Regulation Reduce Profitability
Buyer Hedging Arrangements
Buyer Indemnified Persons
Buyer Swap Asset
Buyers Plans
Cannot Guarantee Ability Maintain Current Level Reinsurance Coverage
Cannot Sure Reinsurers Pay Timely Fashion
Capitalization
Cash Balance Plan
Cash Equivalents
Cash Flow Hedges
Cash Tender Offer 8207 Series Capital Securities 7625
Casualty Business
Catastrophe Losses Materially Reduce Profitability Cash Flow
Catastrophes
Cautionary Statements
Ceo
Certain Regulatory Industry Developments
Certain Relationships Related Transactions
Certification Adopted Pursuant 302 Sarbanes-oxley Act 2002
Cfo Compensation Arrangements
Change Control
Change Control Arrangements
Change Control Payments
Change Distributions Respect Stock
Change Vote After Return Proxy Card
Change Vote After Submit Proxy
Changes Federal Income Tax Law Make Some Products
Changes Internal Control
Chief Financial Officer Resigns
Cid
Cid Meeting
Claims
Closed Block
Closing
Code Conduct
Combined Deferred Amount
Combined Tax Return
Commercial Lines
Commercial Lines Highlights
Committee
Committee Chair Retainers
Committee Meeting Fees
Common Stock
Common Stock Allmerica Financial Corporation Traded New York
Common Stock Performance Chart
Common Stock Prices
Common Stock Prices Dividends
Common Stock Stockholder Ownership
Companyrdquo Ldquothg
Comparative Peer Data
Compared 2003
Compared 2004
Compared 2005
Compared 2006
Compared 2007
Compared 2008
Compensation Arrangements Associated Change Cfo
Compensation Chief Executive Officer
Compensation Committee
Compensation Committee Report
Compensation Non-employee Directors
Compensation Philosophy
Compensatory Arrangements Certain Officers
Competition
Competition Distribution
Completes Acquisition Aix Holdings Inc
Completion Faflic Sale
Compliance Internal Revenue Code 162
Compliance Laws Orders
Components Compensation
Components Net Periodic Pension Cost
Components Net Periodic Postretirement Benefit Cost
Components Net Periodic Postretirement Benefit Costs
Components Net Realized Investment Gains Losses
Conclusion Regarding Effectiveness Disclosure Controls Procedures
Condensed Income Statements
Conditions Lending
Conduct Afims
Conference Call
Confidentiality Agreement
Connecticut Western Massachusetts
Consent Independent Registered Public Accounting Firm
Consolidated Financial Statements Statement Schedules
Consolidated Income Statements
Consolidated Service Agreement
Consolidated Statements Comprehensive Income
Consolidated Statements Comprehensive Income Loss
Contact Information
Contingencies
Contingencies Certain Regulatory Matters
Contingencies Regulatory Matters
Continuing Operations
Contracts
Contributions
Controls Procedures
Core Administrative Services Agreement
Core Business
Core Coinsurance Agreement
Core Coinsurance Business
Core Coinsurance Closing Adjustment
Corporate Authorization Binding Effect
Corporate Existence Power
Corporate Goal Pbrsus
Corporate Governance
Corrective Losses
Covered Employee
Covered Officers
Create Growth Opportunities Partner Agents-
Credit Quality Fixed Maturities
Critical Accounting Estimates
Critical Accounting Policies
Cumulative Effect
Current Period Other-than-temporary Impairments
Current Report
Dac Tax Asset
David Firstenberg
Debt
Declares Annual Dividend
Decline Increase Volatility Securities Markets Negatively Affect Business
Default Investment
Deferral Conversion
Deferral Conversion Program
Deferral Elections
Deferral Program
Deferred Acquisition Costs
Deferred Acquisition Costs Sales Inducements
Deferred Compensation Plans
Deferred Dividend Equivalent
Deferred Policy Acquisition Costs
Deferred Policy Acquisition Costs Sales Inducements
Defined Benefit Plans
Defined Contribution Plan
Defined Contribution Plans
Defined Terms
Definitions
Departure Directors Principal Officers Election Appointment
Departure Directors Principle Officers Election Appointment Principal
Derivative Instruments
Derivatives Hedging Activities
Description 2006 Long-term Incentive Plan
Description Business Segment
Description Hanover Insurance Group Inc Deferral Conversion Program
Description Life Companies Segment
Description Life Companies Segments
Description Operating Segments
Description Stock Options
Description Time-based Restricted Stock Units
Determination Adjustment
Determination Awards
Direct Indirect Subsidiaries Registrant
Directions Hanover Insurance Group Inc 2008 Annual Meeting
Directions Hanover Insurance Group Inc 2009 Annual Meeting
Director Chosen Preside Executive Sessions Board
Director Executive Vice President Chief Financial Officer
Director President Chief Executive Officer
Director Qualifications
Director Retirement Policy
Directors Compensated
Directors Continuing Office
Directors Executive Officers Registrant
Directors Expected Attend Annual Meeting
Directors Expected Attend Annual Meetings
Directors Registrant
Disagreements
Disclosure Controls Procedures Evaluation
Disposals Assets Liabilities Related Businesses Not Recorded Balance
Disputed
Disputes Regarding Adjustment Pro Forma Closing Balance Sheet
Distribution
Divided
Dividend Equivalents
Dividend Restrictions
Dividend Schedule
Dividends
Documents Incorporated Reference
Doi
Due Geographical Concentration Property Casualty Business Changes Economic
Durand Litigation
Duration Expiration Automatic Contribution Overriding Election
Duty Cooperation Novation
Earnings Conference Call
Earnings Per Share
Edward Parry
Effect Certain Transactions
Effect Restructuring Efforts Adversely Impact Business Profitability
Effective Date
Effectiveness Licenses Reinsurance Credits
Election Deferral Agreement
Election Director
Election Directors
Elective Deferrals
Eligibility
Eligibility Participants
Eligibility Participation
Eligible Participants
Emerald Litigation
Employee Plans
Employees
Employees Employee Benefit Plans
Entitled Vote Annual Meeting
Entitled Vote Meeting
Entry Material Definitive Agreement
Environmental Laws
Environmental Matters Real Property
Eppinger Offer Letter
Equity Compensation Plan Information
Equity Grant Procedures
Equity Securities
Erisa Affiliate
Erisa Plans
Errors Omissions Connection Administration Products Cause Business Profitability
Errors Omissions Connection Administration Products Including Closed Block
Errors Omissions Connection Administration Products Including Those Previously
Estimated Adjustment
Estimated Purchase Price
Eugene Bullis
Events Default
Exact Name Registrant Specified Charter
Excluded Investment Assets
Executive Compensation
Executive Compensation Philosophy
Executive Compensation Policy Objectives
Executive Officers Registrant
Executive Overview
Executive Positions
Executive Vice President Chief Financial Officer
Executive Vice President Chief Financial Officer Assistant Treasurer
Executive Vice President Property Casualty Companies
Executive Vice President Since 2004
Exhibits
Existing Claims
Experienced Continue Experience Unrealized Losses Investments Especially Period
Explanatory
Faflic
Faflic Dividend Shortfall Amount
Fair Market Value
Fair Plans Other Involuntary Pools
Fair Value
Fair Value Hedges
Federal Income Taxes
Federal Tax Effects
Federal Tax Return
Fees Incurred Afc Pricewaterhousecoopers Llp
Fees Incurred Thg Pricewaterhousecoopers Llp
Fifth Amendment
Final Adjustment
Financial Condition Results Operations
Financial Highlights
Financial Information Operating Segments
Financial Instruments
Financial Statement Disclosure Matters
Financial Statement Schedules
Financial Statements
Financial Statements Exhibits
Financial Statutory Statements Actuarial Information
Financing
Finders Fees
Fixed Maturities
Fluctuations Currency Exchange Rates Adversely Affect Financial Condition
Focuses Exclusively Property Casualty Business-
Following Table Reflects Segment Income Determined Accordance Statement
Form 10-k
Form 10-q
Form 8-k
Former Name Address Changed Since Last Report
Forward-looking Statements
Forward-looking Statements Non-gaap Financial Measures
Frederick Eppinger
Full 2008 Financial Highlights
Full-year Financial Highlights
Funds Business
Further Provisions
Gain Disposal Variable Life Insurance Annuity Business
Gain Loss Sale Afliac Variable Life Insurance Annuity
Gain Retirement Funding Obligations
Gain Sale Financial Profiles
Gary Kusumi
General
General Account Reserves
General Corporation Law State Delaware
General Information Provisions
Gic Derivative Instruments
Glossary Selected Insurance Terms
Gmdb Hedge Program
Goodwill
Governmental Authorization Consents
Governmental Authorizations Consents
Governmental Entity
Grant Date
Grant Plan-based Awards Last
Grants Plan-based Awards Last
Gregory Tranter
Gsvit Funds
Guaranteed Minimum Death Benefits
Guaranteed Minimum Income Benefit
Hanover
Hanover Insurance Group Acquire Aix Holdings
Hanover Insurance Group Announces 100 Increase Share Repurchase
Hanover Insurance Group Inc
Hanover Insurance Group Inc Amended Restated Employment Continuity
Hanover Insurance Group Inc Announces Reserve Increases Related
Hanover Insurance Group Inc Estimates Impact Elevated Weather-related
Hanover Insurance Group Inc Estimates Impact Hurricane Activity
Hanover Insurance Group Inc Meeting Shareholders Held 2009
Held 2005
Held 2006
Held 2007
Held 2008
Held 2009
Holding Rely Insurance Subsidiaries Cash Flow Not Able
Householding Information
Hurricane Katrina Also Contributed Uncertainty Regarding Reinsurance Marketplace
Hurricane Katrina Litigation
Idc
Important Factors Regarding Forward-looking Statements
Incentive Compensation Deferral Conversion Program
Income Taxes
Increase Volatility Decline Securities Markets Negatively Affect Business
Increases Interest Rates Cause Increased Surrenders Withdrawal Insurance
Incur Financial Losses Resulting Participation Shared Market Mechanisms
Incur Financial Losses Resulting Previous Participation Assumed Accident
Indemnification
Index
Index Peer Group
Individual Goal Pbrsus
Individual Grants
Industry Ratings 2005
Industry Ratings 2006
Industry Ratings 2007
Industry Ratings 2008
Industry Ratings 2009
Inquiries
Insolvency
Inspections Other Representations
Insurance
Insurance Composite Peer Group
Insurance Contracts
Insurance Laws
Insurance Premiums Contributions 401 Non-qualified Retirement Savings Plan
Insurance Regulators
Intellectual Property
Intellectual Property Contracts
Intellectual Property Information Technology
Intense Competition Negatively Affect Ability Maintain Increase Profitability
Interacted
Intercompany Accounts
Interest
Interest Rate
Interest Rate Fluctuations Negatively Affect Profitability
Interest Rate Sensitivity
Interested Persons
Internal Control Over Financial Reporting
Internal Controls Over Financial Reporting
Internal Revenue Code
Introduction
Investment Advisory Services
Investment Assets
Investment Assets Backing Reserves
Investment Assets Backing Surplus
Investment Contracts Without Mortality Features
Investment Management Activities
Investment Portfolio
Investment Results
Investor Information Line
Issuer Purchases Equity Securities
James Hyatt
John Kavanaugh
John Leahy Chief Financial Officer
John Roche
Junior Subordinated Debentures
Keep Certificate Safe Place Lost Stolen Destroyed Corporation
Kendall Huber
Labor
Largest Owners Stock
Law
Leahy Offer Letter
Lease Commitments
Legal Conditions Delivery Stock
Legal Indemnities
Legal Proceedings
Lehman
Liabilities
Libor
License Agreement
Licensed Intellectual Property
Licenses
Lien
Life Companies
Life Companies Highlights
Life Companies Segment Income Excluding Certain Non-cash
Life Segment
Limitations Effectiveness Controls
Limits Awards Plan
Lincoln Street Worcester
Lincoln Street Worcester Massachusetts 01653
Lines Business
Links Internal Web Page Information Set Forth Below-
Liquidity Capital Resources
Litigation
Litigation Certain Regulatory Matters
Litigation Durand
London Banking
Long-term Awards
Long-term Incentive Compensation
Loss Disposal Variable Life Insurance Annuity Business
Loss Faflic Assets Held-for-sale
Loss Gain Disposal Variable Life Insurance Annuity Business
Loss Income Operations Faflic Business
Loss Sale Afliac Variable Annuity Life Business
Loss Sale Afliac Variable Life Insurance Annuity Business
Losses
Ltd Status
Ltd Vesting Extension Period
Ltip
Lump Sum Salary Continuance Payment Election Form
Maintenance Deferral Accounts
Managements Discussion Analysis
Managements Report Internal Control Over Financial Reporting
Managements Review Judgments Key Assumptions
Managements Review Judgments Uncertainties Key Assumptions
Manner Payment
Marita Zuraitis
Market Dividend Information
Market Registrants Common Equity Related Stockholder Matters Issuer
Market Risk
Marketing Distribution
Markets
Material Adverse Effect
Material Contracts
Material Modification Rights Security Holders
Material Regulatory Effect
Matters Intended Acted Meeting Listed Below
Maximum Term Awards Requiring Exercise Not Exceed Date
Meeting
Members Compensation Committee
Minus
Miscellaneous
Moodys Ratings
Mortgage Loans
Mortgage Loans Real Estate
Much Stock Directors Executive Officers Own
Multiplied
Mutatis Mutandis
Name Person Filing Proxy Statement Other Registrant
Name Purpose
Name Purpose Effective Date
Named Executive Officers
Negative Changes Level Statutory Surplus Adversely Affect Ratings
Net Income 065 Per Share Compared Loss 1051
Net Income 075 Per Share Compared 086 Last
Net Income 088 Per Share Compared 219 Prior
Net Income 099 Per Share Compared 134 Last
Net Income 103 Per Share Compared 065 Last
Net Income 114 Per Share Compared 099 Last
Net Income 122 Per Share Compared 075 Last
Net Income 211 Per Share Compared 118 Last
Net Investment Income
Net Realized Investment Gains Losses
New Accounting Pronouncements
New Claims
New Hampshire Northeastern Massachusetts
New Long-term Incentive Plan Benefits
New Plan Benefits
New York Stock Exchange Rule 303 A12
New York Stock Exchange Rule 303a12
Nominating Corporate Governance Committee
Nominees Director
Non-alienability Non-transferability
Non-core Administrative Services Agreement
Non-core Business
Non-core Business Agreement
Non-core Coinsurance Agreement
Non-core Insurance Contracts
Non-employee Director Compensation Table
Non-employee Director Deferral Plan
Non-employee Director Stock Ownership Guidelines
Non-gaap Financial Measures
Non-hire Solicitation Confidentialit
Non-hire Solicitation Confidentiality
Non-qualified Retirement Savings Plan
Non-solicitation Agreements
Noncontravention
Not Able Grow Quickly Intend Important Current Strategy
Not Voted Via Internet Ortelephone Fold Along Perforation
Notes Consolidated Financial Statements
Notes Pro Forma Condensed Consolidated Financial Information
Notice Requirements
Number 1-13754
Nyse
Obligation Funded Status
Obligations Funded Status
Off-balance Sheet Arrangements
Offer Also Contingent Satisfactory Reference Background Check Standard
Offer Letter Bullis
Offer Letter Leahy
Often Did Board Meet 2004
Often Did Board Meet 2005
Often Did Board Meet 2006
Often Did Board Meet 2007
Often Did Board Meet 2008
Online Also Help Environment Consenting Receive Electronic Delivery
Opportunity
Option Exercise Stock Vested Table
Option Grants Last
Optional Payments Buyer
Order
Organization
Organizational Documents
Other
Other Benefits
Other Compensation Arrangements
Other Comprehensive Income
Other Comprehensive Income Reconciliation
Other Comprehensive Loss Income Reconciliation
Other Considerations
Other Definitional Interpretative Provisions
Other Events
Other Information
Other Involuntary Pools
Other Market Fluctuations General Economic Political Conditions Also
Other Matters
Other Operating Expenses
Other Postretirement Benefit Plans
Other Property Casualty
Other Regulatory Matters
Other Significant Transactions
Other-than-temporary Impairments
Outside Compensation Consultants Committee
Outstanding Equity Awards Year-end
Oversight Internal Audit Function
Oversight Relationship Independent Auditor
Overview
Overview Loss Reserve Estimation Process
Owned Core Business Intellectual Property
Ownership Shares
Page
Park
Parry Retention Separation Agreement
Part
Participants Employees 401 Retirement Savings Plan Agents Vote
Participants Employees 401 Retirement Savings Plan Vote Shares
Participation
Party Reinsurance
Party Representation Claim
Party Rights
Payment Adjustment
Payment Date
Payments
Pbrsus
Pension Benefit Obligations
Pension Plan
Pension Plans
Pension Retirement Benefits
Performance Criteria
Performance Criteria Goals
Performance-based Restricted Stock Units
Permitted Liens
Perquisites
Person
Personal Automobile Bodily Injury
Personal Lines
Personal Lines Highlights
Plan
Plan Assets
Plan Term
Plan Term Amendment
Plus
Policy Liabilities Accruals
Policy Loans
Post Closing Excess Capital
Post-closing Administrator
Post-closing Tpa
Potential Award
Potential Payments Termination Change Control
Power Attorney
Pre-approval Policy
Pre-closing Hedging Program
Pre-closing Tax Period
Premium
Premium Fee Revenue Related Expenses
Premium Financing Services
President Commercial Lines
President Personal Lines
Pricing Competition
Prime Rate
Principal Accountant Fees Services
Principal Accounting Fees Services
Principal Components Executive Compensation
Prior Development Line Business
Prior Plan Long-term Award Pay-outs
Pro Forma Balance Sheet
Pro Forma Closing Balance Sheet
Proceeds Voluntary Sales
Producer Agreements
Products
Profitability Adversely Affected Periodic Changes Relationships Agencies
Program
Projected Proceeds Faflic Transaction
Projected Proceeds Variable Life Insurance Annuity Transaction
Properties
Property Casualty
Property Casualty Highlights
Property Casualty Insurance Loss Reserves
Property Casualty Insurance Recoverables
Property Casualty Insurance Reserves
Property Casualty Reinsurance Recoverables
Property Casualty Segment Results
Property Equipment Capitalized Software
Proposed Pro Forma Closing Balance Sheet
Protected Termination Benefits Payments
Provided
Provided Further
Proxy Statement
Ptce 84-14
Purchase Investment
Purchase Price
Purchase Price Adjustment
Purchase Sale
Purchase Verlan Holdings Inc
Purpose
Qualified Automatic Contribution Arrangement
Quantitative Qualitative Disclosures Market Risk
Quarterly Period 2009
Rate Increase Commercial Lines Represents Average Change Premium
Rated Several Rating Agencies Ratings Adversely Affect Operations
Rati Agency Actions
Ratification Independent Public Accountants
Ratification Independent Registered Public Accounting Firm
Rating Agencies
Rating Agency Actions
Ready Access Program
Realized Gains Losses
Realized Gains Losses Related Continuing Operations
Recent Developments
Recently Adopted Standards
Recently Implemented Standards
Recently Issued Standards
Recitals
Reclassifications
Recommendation Compensation Discussion Analysis Included 2007 Proxy Statement
Recommendation Compensation Discussion Analysis Included 2008 Proxy Statement
Recommendation Compensation Discussion Analysis Included 2009 Proxy Statement
Recommendation Financial Statements Included Annual Report
Register Approvals Amendments
Registered Fund Financial Statements
Registered Funds
Registrants Telephone Number Including Area Code
Registrants Telephone Number Including Area Code 508 855-1000
Regulation Disclosure
Regulation Life Insurance Broker Dealer Subsidiaries
Regulation Life Insurance Broker-dealer Subsidiaries
Regulation Life Insurance Subsidiary
Regulatory Compliance
Regulatory Industry Developments
Reinsurance
Reinsurance Agreements
Reinsurance Facilities Pools
Reinsurance Receivables
Reinsurance Recoverables
Relating Director Independence Standards
Remainder Page Intentionally Left Blank
Remaining Run-off Life Insurance Business
Replacement Securities
Report Independent Registered Public Accounting Firm
Reports Results
Representations Warranties
Representatives
Reserve Losses Loss Adjustment Expenses
Reserve Unpaid Losses Loss Adjustment Expenses
Reserves
Residual Markets
Residual Markets Pooling Arrangements
Restatement Generally Effective 2005
Restricted Shares
Restricted Stock
Restricted Stock Units
Results
Results Fluctuate Result Cyclical Changes Property Casualty Insurance
Results Operations Financial Condition
Retention Separation Agreement Parry
Retire
Retirement Products
Returns
Review Audited Financial Statements Management
Review Compensation Discussion Analysis Management
Review Financial Statements Other Matters Independent Auditors
Right Inspection
Risk Factors
Risk Relating Business Generally
Risks
Risks Forward Looking Statements
Risks Forward-looking Statements
Risks Relating Business Generally
Risks Relating Life Companies
Risks Relating Life Insurance Business
Risks Relating Property Casualty Insurance Business
Role Executive Officers Compensation Decisions
Role Executive Officers Compensation Decisions Ceo Performance Review
Rsus
Rules Applicable Awards
Sale Amgro Inc
Sale Universal Life Insurance Business
Sale Variable Life Insurance Annuity Business
Sales Inducements
Sap
Sarbanes-oxley Act 2002
Schedule
Schedules
Securities Authorized Issuance Equity Compensation Plans
Securities Law Matters
Securities Registered Pursuant Act
Security Ownership Certain Beneficial Owners Management Related Stockholder
Segment Income
Segment Income Excluding Certain Non-cash
Segment Results
Seller Group
Seller Indemnified Persons
Seller Swap Asset
Sellers Knowledge
Senior Vice President Chief Information Officer
Senior Vice President Corporate Development Strategy
Senior Vice President General Counsel Assistant Secretary
Separate Account Assets
Separate Account Assets Reserves
Separate Accounts
Separate Accounts Credited Interest Guarantees
Series Capital Securities 7625 Senior Debentures Due
Series Capital Securities 7625 Senior Debentures Due 2025
Setting Executive Compensation
Severance Change Control
Severance Non-solicitation Agreements
Shared Losses
Shareholder Approval 2006 Long-term Incentive Plan
Shareholder Nominees
Shareholder Proposals
Shareholders Communicate Board
Shareholders Other Interested Parties Communicate Board
Shares
Shares Entitled Vote Annual Meeting
Shares Entitled Vote Meeting
Shares Present Hold Annual Meeting
Short-term Incentive Compensation
Signature Page Follows
Signatures
Significant Transaction
Significant Transactions
Solicited Behalf Board Directors
Solicited Employee
Soliciting Vote
Stable Value Products
Standard Poors Ratings
State Regulation
Statistical Supplement
Statutory Adjusted Capital
Statutory Capital Insurance Subsidiaries
Statutory Financial Information
Statutory Statements
Stic Plan
Stock Options
Stock Ownership Guidelines
Stock Ownership Requirements
Stock Plans
Stock Trade New York Exchange Thg
Stock-based Compensation
Stock-based Compensation Plans
Subject Additional Losses Related Sale Variable Life Insurance
Subject Mandatory Assessments State Guaranty Funds Increase Adversely
Submission Matters Vote Security Holders
Subsequent Events
Subsidiaries
Subsidiary
Sufficiency Assets
Summary Significant Accounting Policies
Table Conte Nts
Table Contents
Taken Group Hanover Ranks Among Top Property Casualty
Target Closing Capital Amount
Tax
Tax Asset
Tax Basis
Tax Implications
Tax Return
Tax Sharing Agreement
Tax Withholding
Taxation
Taxation Benefits Payments
Taxes
Taxing Authority
Telerate Page 3750
Termination Other Result Change Control
Territory Term
Terrorism
Terrorism Coverage
Time-based Rsus
Time-based Vesting Date
Trade Secrets
Trading Activities
Traditional Products
Transaction Focuses Resources Property Casualty Business
Transactions
Transamerica Reinsurance Agreements
Transfers Certain Investment Assets
Transition Services Agreement
Trust Instruments Supported Funding Obligations
Two-year Vesting Date
Type Automatic Contribution Arrangement
Unable Attract Retain Qualified Personnel Experience Loss Retirement
Underwriting
Undisclosed Material Liabilities
Unfunded Status Plan
United States
Unregistered Sales Equity Securities Proceeds
Valuation Investments
Variable Interest Entity
Variable Products
Variable Products Deferred Policy Acquisition Costs Sales Inducements
Veravest
Vesting Date
Vesting Period
Vice President Chief Human Resources Officer
Vice President Chief Human Resources Officer Since 2004
Vice President Chief Information Officer
Vice President Chief Information Officer Since 2000
Vice President Chief Investment Officer Since 1996
Vice President Field Operations
Vice President Field Operations Marketing Distribution
Vice President General Counsel Since 2000
Vice President Secretary
Voluntary Pools
Vote
Vote Proxy
Votes Present Hold Annual Meeting
Votes Present Hold Meeting
Vul Purchase Price Adjustment
Waiver General Release
Waiver Jury Trial
Waiver Release
Warranty Breach
What Committees Board Established
What Included Proxy Materials
What Procedure Approving Related-person Transactions
What Process Consideration Director Nominees
What Purpose Annual Meeting
What Vote Required Approve Each
What Voting Rights Holders Allmerica Financial Corporation Common
What Voting Rights Holders Common Stock
Witnesseth
Worcester Massachusetts 01653
Workers Compensation Indemnity
Workers Compensation Medical
Wwwenvisionreportscom Thg
Year-end 2004 Option Value Table
Year-end 2005 Option Value Table
Zip Code
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