Company: AIZ
Filing Date: 2025-08-15
Form Type: 424B5
Source: 0001193125-25-181851
Chunk: 45

Company: ASSURANT, INC.
Filing Date: 2025-08-15
Form: 424B5
Chunk 45
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 and we are subject to the credit risk 
 of reinsurers.                                                                                                   |

| • |     | Through reinsurance, we have sold or exited businesses that could again become our direct financial and 
 administrative responsibility if the reinsurers become insolvent.                                       |

| • |     | Due to the structure of our commission program, we are exposed to risks related to the creditworthiness and 
 reporting systems of some of our agents, third-party administrators and clients.                            |

| • |     | Our subsidiaries’ inability to pay us sufficient dividends could prevent us from meeting our obligations and 
 paying future stockholder dividends.                                                                         |

| • |     | Our ability to declare and pay dividends on our capital stock may be limited. |

| • |     | Actual results may differ materially from the analytical models we use to assist in our decision-making in key 
 areas such as pricing, catastrophe risks, reserving and capital management.                                    |

Technology, Cybersecurity and Privacy Risks

| • |     | The failure to effectively maintain and modernize our information technology systems and infrastructure and 
 integrate those of acquired businesses could adversely affect our business.                                 |

| • |     | We could incur significant liability if our information technology systems or those of third parties are breached                                                              
 or we or third parties otherwise fail to protect the security of data residing on our respective systems, which could adversely affect our business and results of operations. |

| • |     | The costs of complying with, or our failure to comply with, U.S. and foreign laws related to privacy, data     
 security and data protection could adversely affect our financial condition, operating results and reputation. |

6

Legal and Regulatory Risks

| • |     | We are subject to extensive laws and regulations, which increase our costs and could restrict the conduct of our                                                        
 business, and violations or alleged violations of such laws and regulations could have a material adverse effect on our reputation, business and results of operations. |

| • |     | Changes in tax laws and regulations could have a material adverse impact on our results of operations and 
 financial condition.                                                                                      |

| • |     | Our business is subject to risks related to litigation and regulatory actions. |

| • |     | Our business is subject to risks related to reductions in the insurance premium rates we charge. |

| • |     | Changes in insurance regulation may reduce our profitability and limit our growth. |

General Risk Factors

| • |     | Our common stock may be subject to stock price and trading volume volatility. |