Company: AHL
Filing Date: 2025-06-09
Form Type: 424B5
Source: 0001628280-25-030114
Chunk: 83

Company: ASPEN INSURANCE HOLDINGS LTD
Filing Date: 2025-06-09
Form: 424B5
Chunk 83
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, sub-sovereign and corporate defaults;

• the Russian invasion of Ukraine;

• the coronavirus pandemic and the responses thereto;

• emerging claim and coverage issues in our business and social inflation;

• cyclical changes in the insurance and reinsurance industries;

• the reliance on third parties for the assessment and pricing of individual risks;

• the failure of any risk management and loss limitation methods we employ;

• the reinsurance that we purchase may not always be available on favorable terms or we may choose to retain a higher proportion of particular risks compared to previous years;

• actual claims exceeding our loss reserves

• economic inflation and social inflation;

• credit risk, interest rate risk, real estate related risks, market risk, servicing risk, loss from catastrophic events and other risks, which could diminish the value that we obtain from such investments;

• adverse developments affecting the financial services industry and the potential contagion impact to, and resulting stress on, the financial services sector generally;

• the discontinuation of LIBOR;

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• failing to realize profits from or losing some or all of the principal amount of our invested assets if we are required to sell our invested assets at a loss to meet our insurance, reinsurance or other obligations;

• volatility and uncertainty in general economic conditions and in financial and mortgage markets;

• the determination of the amount of allowances and impairments taken on our investments;

• currency fluctuations that we may not be effective at mitigating;

• the failure of policyholders, brokers or other intermediaries or reinsurers to honor their payment obligations;

• competition and consolidation in the (re)insurance industry;

• decline in ratings of our operating subsidiaries could adversely affect our standing among brokers and customers and cause our premiums and earnings to decrease;

• third-party outsourced service providers failing to satisfactorily perform certain technology and business process functions;

• increasing scrutiny and evolving expectations from investors, customers, regulators, policymakers and other stakeholders regarding environmental, social and governance matters;

• future acquisitions, growth of our operations through the addition of new lines of (re)insurance business, expansion into new geographic regions and/or joint ventures or partnerships;

• the loss of business provided by brokers that account for a large portion of our insurance and reinsurance revenues;

• our management of alternative reinsurance platforms on behalf of investors in any entities Aspen Capital Markets manages or could manage in the future;

• the inability to obtain additional capital or to only obtain capital on unfavorable terms;

• our debt, credit and International Swaps and Derivatives Association agreements