Company: AIZ
Filing Date: 2025-06-26
Form Type: 11-K
Source: 0001267238-25-000036
Chunk: 5

Company: ASSURANT, INC.
Filing Date: 2025-06-26
Form: 11-K
Chunk 5
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 50% of their vested account balance. Loan terms range from 1 to 5 years or up to 10 years for the purchase of a primary residence. The loans are collateralized by the balance in the participant’s account and bear interest at a rate of 1.0% above the prime rate (as reported by Reuters) in effect when the participant applies for the loan. At December 31, 2024, outstanding participant loans had interest rates ranging from 4.25% to 9.50%. Principal and interest are paid ratably through payroll deductions. Loan origination and annual maintenance fees on loans are paid by the loan participants. The maximum number of loans a participant is permitted to have outstanding at one time is two loans. The Plan was amended in December 2024, where effective January 1, 2025, participants who are on an authorized leave of absence or are disabled shall not be able to request a loan from the Plan while absent.

f. Payment of Benefits . Upon retirement, death or disability, Plan participants or their beneficiaries are entitled to receive the total amount in the participant’s account. Upon termination of employment for other than the aforementioned reasons,

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#### Assurant 401(k) Plan

### Notes to Financial Statements

#### December 31, 2024 and 2023
Plan participants will receive their contributions and their vested share of Employer contributions plus income (loss) accrued thereon, if any.

g. In-Service Withdrawals. Both hardship and non-hardship withdrawals are permitted under a variety of circumstances as approved by the Plan Administrator.

h. Forfeitures . Forfeited balances of terminated participants’ non-vested accounts shall be first applied to restore amounts previously forfeited by non-vested former employees who have been rehired. Thereafter, any remaining forfeited balances can be used to reduce Plan administrative expenses and Employer contributions. For the year ended December 31, 2024, the amount of forfeitures used to reduce administrative expenses and Employer contributions was $1.5 million. As of December 31, 2024, the remaining forfeitures balance was $2.1 million.

#### 2. Significant Accounting Policies
Basis of Accounting

The accompanying financial statements have been prepared in accordance with accounting principles generally accepted in the United States of America (“GAAP”). The financial statements of the Plan have been prepared under the accrual basis of accounting.

Use of Estimates

The preparation of financial