Company: AIZ
Filing Date: 2025-08-15
Form Type: 424B5
Source: 0001193125-25-181851
Chunk: 63

Company: ASSURANT, INC.
Filing Date: 2025-08-15
Form: 424B5
Chunk 63
---
| • |     | In the case of the subordinated debt securities, the following requirements must also be met: |

| • |     | No event or condition may exist that, under the provisions described under “— Subordination                                                                                                                              
 Provisions” above, would prevent us from making payments of principal, premium or interest on those subordinated debt securities on the date of the deposit referred to above or during the 90 days after that date; and |

| • |     | We must deliver to the trustee an opinion of counsel to the effect that (a) the trust funds will not be 
 subject to any rights of direct holders of senior indebtedness and (b) after the 90-day period          |

20

| referred to above, the trust funds will not be subject to any applicable bankruptcy, insolvency, reorganization or similar laws affecting creditors’ rights generally, except that if a court                                                          
 were to rule under any of those laws in any case or proceeding that the trust funds remained our property, then the relevant trustee and the direct holders of the subordinated debt securities would be entitled to some enumerated rights as secured 
 creditors in the trust funds.                                                                                                                                                                                                                          |

If we ever did accomplish full defeasance, as described above, a holder would have to rely solely on the trust deposit for repayment on the debt securities. In addition, in the case of subordinated debt securities, the provisions described above under “— Subordination Provisions” would not apply. A holder could not look to us for repayment in the unlikely event of any shortfall. Covenant Defeasance Under current U.S. federal tax law, we can make the same type of deposit as described above and we will be released from the restrictive covenants under the debt securities that are described above under “— Restrictive Covenants” and that may be described in the prospectus supplement. This is called covenant defeasance. In that event, the holder would lose the protection of these covenants but would gain the protection of having money and U.S. government or U.S. government agency notes or bonds set aside in trust to repay the debt securities. In order to achieve covenant defeasance, we must do the following:

| • |     | We must deposit in trust for the benefit of all holders of the debt securities a combination of money and notes                                                                                                                                          
 or bonds of the U.S. government or a U.S. government agency or U.S. government sponsored-entity (the obligations of which are backed by the full