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Cna Financial Corp – ‘10-K/A’ for 12/31/99

On: Tuesday, 4/18/00, at 4:20pm ET · For: 12/31/99 · Accession #: 950137-0-1742 · File #: 1-05823

  As Of                Filer                Filing    For·On·As Docs:Size              Issuer               Agent

 4/18/00  Cna Financial Corp                10-K/A     12/31/99    1:25K                                    Bowne Boc/FA

Amendment to Annual Report — Form 10-K
Filing Table of Contents

Document/Exhibit                   Description                      Pages   Size 

 1: 10-K/A      Amendment to Form 10-K                                10     43K

Document Table of Contents

Page	(sequential)	\|	(alphabetic)	Top
			Alternative Formats (Word, et al.) Business
1	1st Page - Filing Submission
3	Item 1. Business

10-K/A 1st Page of 10 TOC ↑Top Previous Next ↓Bottom Just 1st
 
================================================================================

SECURITIES AND EXCHANGE COMMISSION
Washington, D.C. 20549

--------------

 FORM 10-K/A

 AMENDMENT NO.1 TO FORM 10-K

 ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d)
OF THE SECURITIES EXCHANGE ACT OF 1934
FOR THE YEAR ENDED DECEMBER 31, 1999               COMMISSION FILE NUMBER 1-5823

--------------

 CNA FINANCIAL CORPORATION
(Exact name of registrant as specified in its charter)

        DELAWARE                                      36-6169860
(State or other jurisdiction of                        (I.R.S. Employer 
  incorporation or organization)                       Identification No.)

CNA PLAZA                                       
   CHICAGO, ILLINOIS                                     60685
(Address of principal executive offices)                      (Zip Code)      

(312) 822-5000
(REGISTRANT'S TELEPHONE NUMBER, INCLUDING AREA CODE)
 SECURITIES REGISTERED PURSUANT TO SECTION 12(B) OF THE ACT:

 THE REGISTRANT HEREBY AMENDS THE FOLLOWING ITEMS, FINANCIAL STATEMENTS,
  EXHIBITS OR OTHER PORTIONS OF ITS ANNUAL REPORT ON FORM 10-K, AS AMENDED
 FOR THE YEAR ENDED DECEMBER 31, 1999 AS SET FORTH IN THE PAGES ATTACHED
HERETO.                                                               

PART I:   ITEM 1.  BUSINESS.                                          

                      (TO CORRECT SCHEDULE OF PROPERTY/CASUALTY LOSS RESERVE
DEVELOPMENT ON PAGE 8)          

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 CNA FINANCIAL CORPORATION

INDEX TO AMENDMENT NO. 1
 ANNUAL REPORT ON FORM 10-K/A FILED WITH THE
SECURITIES AND EXCHANGE COMMISSION

FOR THE YEAR ENDED DECEMBER 31, 1999

Item                                                                    Page
Number                                 PART I                           Number
------                                                                  ------

 1.       Business...................................................      3

          Signature..................................................     10

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PART I

ITEM 1.  BUSINESS                                                               

  CNA Financial Corporation (CNAF or the Company) was incorporated in 1967
and is an insurance holding company whose primary subsidiaries consist of       
property/casualty and life insurance companies. Collectively CNAF and its       
subsidiaries are referred to as CNA. CNA's property/casualty insurance          
operations are conducted by Continental Casualty Company (CCC), incorporated    
1897, and its affiliates, and The Continental Insurance Company (CIC), organized
1853, and its affiliates. Life insurance operations are conducted by Continental
Assurance Company (CAC), incorporated 1911, and its life insurance affiliates.  
CIC became an affiliate of the Company in 1995 as a result of the acquisition of
The Continental Corporation (Continental). The principal business of Continental
is the ownership of a group of property and casualty insurance companies. CNA   
serves businesses and individuals with a broad range of insurance and other risk
management products and services. Insurance products include property and       
casualty coverages; life, accident and health insurance; and pensions products  
and annuities. CNA services include risk management, information services,      
healthcare management and claims administration. CNA products are marketed      
through agents, brokers, managing general agents and direct sales. CNA's        
principal market is the United States.                                          

     CNA conducts its operations through seven operating segments: Agency Market
Operations, Specialty Operations, CNA Re, Global Operations, Risk Management,   
Group Operations and Life Operations. Discussions of each segment including the 
products offered, the customers served and the distribution channels used is set
forth in the Management's Discussion and Analysis section of the 1999 Annual    
Report to Shareholders, incorporated by reference in Item 7, herein.            

    On March 20, 2000 CCC proposed to CNA Surety Corporation (CNA Surety) that
CCC make a cash tender offer at $13.00 per share for all shares of CNA Surety   
common stock not already owned by CCC and its affiliates. CCC and its affiliates
owned approximately 63 percent of the outstanding shares of CNA Surety common   
stock on March 20, 2000. CCC intends to condition the tender offer upon         
receiving enough shares so that its ownership reaches at least 90 percent. If   
this ownership threshold is achieved, CCC would then acquire the remaining      
outstanding shares of CNA Surety common stock not tendered to CCC through a     
statutory "short-form" merger process. Stockholders who do not tender their     
shares to CCC during the tender offer would also receive $13.00 per share in    
cash for their stock in the short-form merger.                                  

COMPETITION                                                                     

Due to market pressures, the insurance environment remains intensely  
competitive. CNA competes with a large number of stock and mutual insurance     
companies and other entities for both producers and customers, and must         
continuously allocate resources to refine and improve its insurance products and
services.                                                                       

There are approximately 3,400 individual companies that sell          
property/casualty insurance in the United States. CNAF's consolidated           
property/casualty subsidiaries ranked as the 5th largest property/casualty      
insurance organization based upon 1998 statutory net written premiums.          

There are approximately 1,500 companies selling life insurance in the 
United States. CAC is ranked as the 35th largest life insurance organization    
based on 1998 consolidated statutory premium volume.                            

DIVIDENDS BY INSURANCE SUBSIDIARIES                                             

The payment of dividends to CNAF by its insurance subsidiaries without
prior approval of the affiliates' domiciliary state insurance commissioners is  
limited by formula. This formula varies by state. The formula used by the       
majority of the states provides that the greater of 10% of prior year statutory 
surplus or prior year statutory net income, less the aggregate of all dividends 
paid during the twelve months prior to date of payment is available to be paid  
as a dividend to the parent company. Some states, however, have an additional   
stipulation that dividends cannot exceed prior year's surplus. Based upon the   
formulae applied by the respective domiciliary states of CNAF's                 

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insurance subsidiaries, approximately $887 million in dividends can be paid to  
CNAF by those subsidiaries in 2000 without prior approval. However, all         
dividends must be reported to the domiciliary insurance department prior to     
declaration and payment.                                                        

REGULATION                                                                      

    The insurance industry is subject to comprehensive and detailed regulation
and supervision throughout the United States. Each state has established        
supervisory agencies with broad administrative powers relative to licensing     
insurers and agents, approving policy forms, establishing reserve requirements, 
fixing minimum interest rates for accumulation of surrender values and maximum  
interest rates of policy loans, prescribing the form and content of statutory   
financial reports, and regulating solvency and the type and amount of           
investments permitted. Such regulatory powers also extend to premium rate       
regulations which require that rates not be excessive, inadequate or unfairly   
discriminatory. In addition to regulation of dividends by insurance subsidiaries
discussed above, intercompany transfers of assets may be subject to prior notice
or approval by the state insurance regulator, depending on the size of such     
transfers and payments in relation to the financial position of the insurance   
affiliates making the transfer.                                                 

  Insurers are also required by the states to provide coverage to insureds
who would not otherwise be considered eligible by the insurers. Each state      
dictates the types of insurance and the level of coverage which must be provided
to such involuntary risks. CNA's share of these involuntary risks is mandatory  
and generally a function of its respective share of the voluntary market by line
of insurance in each state.                                                     

Reform of the U.S. tort liability system is another issue facing the  
insurance industry. Although federal standards would create more uniform laws,  
tort reform supporters still look primarily to the states for passage of reform 
measures. Over the last decade, many states have passed some type of reform, but
more recently, a number of state courts have modified or overturned these       
reforms. Additionally, new causes of action and theories of damages continue to 
be proposed in state court actions or by legislatures. Continued                
unpredictability in the law means that insurance underwriting and rating is     
expected to be difficult in commercial lines, professional liability and some   
specialty coverages.                                                            

     Although the federal government and its regulatory agencies do not directly
regulate the business of insurance, federal legislative and regulatory          
initiatives can impact the insurance business in a variety of ways. These       
initiatives and legislation include tort reform proposals; proposals to overhaul
the Superfund hazardous waste removal and liability statute; financial services 
modernization legislation, which includes provisions to remove barriers that    
prevent banks from engaging in the insurance business; and various tax proposals
affecting insurance companies.                                                  

In the mid 1990's the National Association of Insurance Commissioners 
(NAIC) adopted risk based capital (RBC) requirements for both life insurance    
companies and property/casualty insurance companies. The requirements are to be 
utilized by state insurance departments as a minimum capital requirement        
identifying companies that merit further regulatory action. The formulae were   
not developed to differentiate adequately capitalized companies that operate    
with capital levels higher than the RBC requirements. Therefore, it is          
inappropriate and inadvisable to use the formulae to rate or rank insurers. At  
December 31, 1999 and 1998, all of the Company's life and property & casualty   
companies had adjusted capital in excess of amounts requiring any regulatory    
action.                                                                         

REINSURANCE                                                                     

  Information as to CNA's reinsurance activities is set forth in Note G of
the Consolidated Financial Statements of the 1999 Annual Report to Shareholders,
incorporated by reference in Item 8, herein.                                    

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EMPLOYEE RELATIONS                                                              

    As of December 31, 1999, CNA had approximately 19,600 full-time equivalent
employees and has experienced satisfactory labor relations. CNA has never had   
work stoppages due to labor disputes.                                           

     CNA has comprehensive benefit plans for substantially all of its employees,
including retirement plans, savings plans, disability programs, group life      
programs and group health care programs. See Note I of the Consolidated         
Financial Statements of the 1999 Annual Report to Shareholders for further      
discussion, incorporated by reference in Item 8, herein.                        

GOVERNMENT CONTRACTS                                                            

CNA's premium revenue include premiums under contracts involving U.S. 
government employees and their dependents. Such premiums were approximately $2.1
billion, $2.0 billion and $2.1 billion in 1999, 1998 and 1997, respectively.    

BUSINESS SEGMENTS                                                               

 Information as to CNA's business segments is set forth in Note M of the
Consolidated Financial Statements of the 1999 Annual Report to Shareholders,    
incorporated by reference in Item 8, herein.                                    

  Additional information as to CNA's business segments is set forth in the
Management's Discussion and Analysis of Financial Condition and Results of      
Operations section of the 1999 Annual Report to Shareholders, incorporated by   
reference in Item 7, herein.                                                    

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SUPPLEMENTARY INSURANCE DATA                                                    

The following table sets forth supplementary insurance data.                    

                                                        [Enlarge/Download Table]

--------------------------------------------------------------------------------------------------------
YEAR ENDED DECEMBER 31                                     1999                 1998              1997  
(In millions of dollars, except ratio information)                                                      
--------------------------------------------------------------------------------------------------------
                                                                                                        
TRADE RATIOS -  GAAP BASIS (A)                                                                          
   Loss ratio...............................               87.1%                81.8%             77.1% 
   Expense ratio............................               32.4                 33.6              31.3  
   Combined ratio (before policyholder dividends)         119.5                115.4             108.4  
   Policyholder dividend ratio..............                0.3                  1.1               0.5  

TRADE RATIOS - STATUTORY BASIS (A)                                                                      
   Loss ratio...............................               87.1%                81.5%             77.5% 
   Expense ratio............................               33.8                 32.8              30.7  
   Combined ratio (before policyholder dividends)         120.9                114.3             108.2  
   Policyholder dividend ratio..............                0.3                  1.0               0.8  

GROSS LIFE INSURANCE IN-FORCE                                                                           
   Group....................................           $394,743             $317,720          $239,843  
   Life (c).................................             75,247               76,674            71,755  
                                                       --------             --------          --------  
                                                       $469,990             $394,394          $311,598  
                                                       ========             ========          ========  
OTHER DATA - STATUTORY BASIS (B)                                                                        
   Property/casualty capital and surplus*...            $ 8,679              $ 7,623           $ 7,123  
   Life capital and surplus.................              1,222                1,109             1,223  
   Written premium  to surplus ratio........                1.1                  1.4               1.4  
   Capital and surplus-percent of total                                                                 
   liabilities..............................               21.9%                20.5%             22.4% 
   Participating policyholders-percent of gross                                                         
   life insurance in force..................                0.5%                 0.5%              0.7% 
--------------------------------------------------------------------------------------------------------

*Surplus includes equity of property/casualty companies' ownership in life  
insurance subsidiaries.                                                         

    (a)  Trade ratios reflect the results of CNA's property/casualty insurance
         subsidiaries. Trade ratios are industry measures of property/casualty
      underwriting results. The loss ratio is the percentage of incurred
       claim and claim adjustment expenses to premiums earned. The expense
         ratio, using amounts determined in accordance with generally accepted
   accounting principles (GAAP), is the percentage of underwriting
          expenses, including the amortization of deferred acquisition costs, to
   premiums earned. The expense ratio, using amounts determined in
        accordance with statutory accounting practices, is the percentage of
    underwriting expenses (with no deferral of acquisition costs) to
   premiums written. The combined ratio is the sum of the loss and
   expense ratios. The policyholder dividend ratio is the ratio of
dividends incurred to premiums earned.                      

(b)  Other data is determined in accordance with statutory accounting 
        practices. Dividends of $570 million, $410 million and $175 million,
  were paid to CNAF by CCC in 1999, 1998 and 1997, respectively.
        Insurance subsidiaries have received, or will receive, reimbursement
 from CNAF for general management and administrative expenses,
        unallocated loss adjustment expenses and investment expenses of $203
   million, $189 million and $217 million, in 1999, 1998 and 1997,
          respectively. Life statutory capital and surplus as a percent of total
          liabilities is determined after excluding Separate Account liabilities
  and reclassifying the statutorily required Asset Valuation and
Interest Maintenance Reserves as surplus.                   

    (c)  Lapse ratios for individual life insurance, as measured by surrenders
         and withdrawals as a percentage of average ordinary life insurance in
force, were 10.9%, 14.7%, and 6.4% in 1999, 1998 and 1997,  
respectively.                                               

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SUPPLEMENTARY INSURANCE DATA--(CONTINUED)                                       

The following table displays the distribution of gross written premiums for the 
CNA's property/casualty operations:                                             

                                                        [Enlarge/Download Table]

=====================================================================================================
                                                                     PERCENT OF TOTAL                
GROSS WRITTEN PREMIUM                                  ----------------------------------------------
YEAR ENDED DECEMBER 31                                      1999           1998            1997      
-----------------------------------------------------------------------------------------------------
                                                                                                     
New York...........................................          8.2%           9.5%            9.9%     
California.........................................          7.1            8.2             8.8      
Texas..............................................          5.7            6.0             6.2      
Florida............................................          4.6            4.6             4.8      
Pennsylvania.......................................          4.3            4.7             5.1      
New Jersey.........................................          3.8            4.4             4.3      
Illinois...........................................          3.8            4.5             4.4      
All other states, countries or political                    46.5           48.0            48.0      
subdivisions (a)...................................                                                  
Reinsurance assumed................................         16.0           10.1             8.5      
                                                       ----------------------------------------------
                                                           100.0%         100.0%          100.0%     
=====================================================================================================

  (a) No other state, country or political subdivision accounts for more
than 3.0% of gross written premium.                                             

 Approximately 97% of CNA's premiums are derived from the United States.
Premiums from any individual foreign country are not significant.               

PROPERTY/CASUALTY CLAIM AND CLAIM ADJUSTMENT EXPENSES                           

  The following loss reserve development table illustrates the change over
time of reserves established for property/casualty claims and claim adjustment  
expenses at the end of the preceding eleven calendar years for CNA's            
property/casualty operations. The first section shows the reserves as originally
reported at the end of the stated year. The second section, reading down, shows 
the cumulative amounts paid as of the end of successive years with respect to   
the originally reported reserve liability. The third section, reading down,     
shows re-estimates of the originally recorded reserve as of the end of each     
successive year, which is the result of the Company's property/casualty         
insurance subsidiaries' expanded awareness of additional facts and circumstances
that pertain to the unsettled claims. The last section compares the latest      
re-estimated reserve to the reserve originally established, and indicates       
whether the original reserve was adequate or inadequate to cover the estimated  
costs of unsettled claims.                                                      

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PROPERTY/CASUALTY CLAIM AND CLAIM ADJUSTMENT EXPENSES--(CONTINUED)              

The loss reserve development table for property/casualty operations is
cumulative and, therefore, ending balances should not be added since the amount 
at the end of each calendar year includes activity for both the current and     
prior years.                                                                    

                                                        [Enlarge/Download Table]

=============================================================================================================================
SCHEDULE OF PROPERTY/CASUALTY                                                                                                
LOSS RESERVE DEVELOPMENT                                                                                                     
CALENDAR YEAR ENDED             1989(A) 1990(A)  1991(A)  1992(A) 1993(A) 1994(A)  1995(B)   1996   1997(C)  1998(D)  1999(E)
(In millions of dollars)                                                                                                     
-----------------------------------------------------------------------------------------------------------------------------
                                                                                                                             
Gross reserves for unpaid                                                                                                    
claim and claim                                                                                                              
expenses..................                                        $20,812 $21,639  $31,044 $29,357  $28,533 $28,317  $26,631 
Ceded recoverable.........                                          2,491   2,705    6,089   5,660    5,326   5,424    5,489 
                                                                   ------  ------   ------  ------   ------  ------   ------ 
Net reserves for unpaid claim                                                                                                
   and claim expenses.....      $11,267 $13,090  $14,415  $17,167  18,321  18,934   24,955  23,697   23,207  22,893   21,142 
                                ------- -------  -------  -------  ------  ------   ------  ------   ------  ------   ------ 

CUMULATIVE NET PAID AS OF:                                                                                                   

One year later............        2,670   3,285    3,411    3,706   3,629   3,656    6,510   5,851   5,954    7,321       -- 
Two years later...........        4,724   5,623    6,024    6,354   6,143   7,087   10,485   9,796  11,394       --       -- 
Three years later.........        6,294   7,490    7,946    8,121   8,764   9,195   13,363  13,602      --       --       -- 
Four years later..........        7,534   8,845    9,218   10,241  10,318  10,624   16,271      --      --       --       -- 
Five years later..........        8,485   9,726   10,950   11,461  11,378  12,577       --      --      --       --       -- 
Six years later...........        9,108  11,207   11,951   12,308  13,100      --       --      --      --       --       -- 
Seven years later.........       10,393  12,023   12,639   13,974      --      --       --      --      --       --       -- 
Eight years later.........       11,086  12,592   14,271       --      --      --       --      --      --       --       -- 
Nine years later..........       11,563  14,159       --       --      --      --       --      --      --       --       -- 
Ten years later...........       13,035      --       --       --      --      --       --      --      --       --       -- 

NET RESERVES RE-ESTIMATED AS                                                                                                 
OF:                                                                                                                          

End of initial year.......       11,267  13,090   14,415   17,167  18,321  18,934   24,955  23,697  23,207   22,893   21,142 
One year later............       11,336  12,984   16,032   17,757  18,250  18,922   24,864  23,479  23,508   23,920       -- 
Two years later...........       11,371  14,693   16,810   17,728  18,125  18,500   24,294  23,140  23,717       --       -- 
Three years later.........       13,098  15,737   16,944   17,823  17,868  18,008   23,814  23,270      --       --       -- 
Four years later..........       14,118  15,977   17,376   17,765  17,511  17,354   24,092      --      --       --       -- 
Five years later..........       14,396  16,440   17,329   17,560  17,082  17,506       --      --      --       --       -- 
Six years later...........       14,811  16,430   17,293   17,285  17,176      --       --      --      --       --       -- 
Seven years later.........       14,810  16,551   17,069   17,398      --      --       --      --      --       --       -- 
Eight years later.........       14,995  16,487   17,189       --      --      --       --      --      --       --       -- 
Nine years later..........       14,973  16,592       --       --      --      --       --      --      --       --       -- 
Ten years later...........       15,091      --       --       --      --      --       --      --      --       --       -- 
                                ------- -------  -------  -------  ------  ------   ------  ------   ------  ------   ------ 
Total net (deficiency)                                                                                                       
redundancy................       (3,824) (3,502)  (2,774)    (231)  1,145   1,428      863     427    (510)  (1,027)      -- 
-----------------------------------------------------------------------------------------------------------------------------
-----------------------------------------------------------------------------------------------------------------------------
Reconciliation to gross                                                                                                      
   re-estimated reserves:                                                                                                    
Net reserves re-estimated.       15,091  16,592   17,189   17,398  17,176  17,506   24,092  23,270  23,717   23,920       -- 
Re-estimated ceded recoverable                                      1,547   1,858    6,020   5,285   4,547    4,472       -- 
                                                                   ------  ------   ------  ------   ------  ------   ------ 
   Total gross re-estimated                                                                                                  
   reserves...............                                         18,723  19,364   30,112  28,555  28,264   28,392       -- 
-----------------------------------------------------------------------------------------------------------------------------
-----------------------------------------------------------------------------------------------------------------------------
Net (deficiency) redundancy                                                                                                  
   related to: Asbestos claims   (3,496) (3,365)  (3,321)  (1,633) (1,033)   (999)    (811)   (910)   (806)    (560)      -- 
   Environmental claims...         (978)   (972)    (929)    (886)   (445)   (276)    (197)   (136)   (138)      84       -- 
                                ------- -------  -------  -------  ------  ------   ------  ------   ------  ------   ------ 
   Total asbestos and                                                                                                        
environmental.............       (4,474) (4,337)  (4,250)  (2,519) (1,478) (1,275)  (1,008) (1,046)   (944)    (476)      -- 
Other claims..............          650     835    1,476    2,288   2,623   2,703    1,871   1,473     434     (551)      -- 
                                ------- -------  -------  -------  ------  ------   ------  ------   ------  ------   ------ 
Total net (deficiency)                                                                                                       
redundancy................       (3,824) (3,502)  (2,774)    (231)  1,145   1,428      863     427    (510)  (1,027)      -- 
                                ======= =======  =======  =======  ======  ======   ======  ======   ======  =======  ====== 
-----------------------------------------------------------------------------------------------------------------------------

(a) Reflects reserves of CNA's property/casualty insurance subsidiaries,        
excluding Continental reserves, which were acquired on May 10, 1995 (the        
Acquisition Date). Accordingly, the reserve development (net reserves recorded  
at the end of the year, as initially estimated, less net reserves re-estimated  
as of subsequent years) does not include Continental.                           

(b) Includes Continental gross reserves of $9,713 million and net reserves of   
$6,063 million acquired on the Acquisition Date and subsequent development      
thereon.                                                                        

(c) Includes net and gross reserves of acquired companies of $57 million and $64
million.                                                                        

(d) Includes net and gross reserves of acquired companies of $122 million and   
$223 million.                                                                   

(e) Ceded recoverable excludes reserves transferred under retroactive           
reinsurance agreements of $784 million as of December 31, 1999.                 

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PROPERTY/CASUALTY CLAIM AND CLAIM ADJUSTMENT EXPENSES--(CONTINUED)              

Additional information as to CNA's property/casualty claim and claim  
expense reserves and reserve development is set forth in Notes A and E of the   
Consolidated Financial Statements of the 1999 Annual Report to Shareholders,    
incorporated by reference in Item 8, herein.                                    

INVESTMENTS                                                                     

   Information as to the Company's investments is set forth in Notes B and C
of the Consolidated Financial Statements of the 1999 Annual Report to           
Shareholders, incorporated by reference in Item 8, herein.                      

    Additional information as to the Company's investments is set forth in the
Management's Discussion and Analysis section of the 1999 Annual Report to       
Shareholders, incorporated by reference in Item 7, herein.                      

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SIGNATURES

Pursuant to the requirements of Section 13 or 15(d) of the Securities 
Exchange Act of 1934, the registrant has duly caused this report to be signed on
its behalf by the undersigned, thereunto duly authorized.                       

                           CNA Financial Corporation

                                 By            Robert V. Deutsch
                                             -----------------------------------
                                               Robert V. Deutsch
                                               Senior Vice President and
                                               Chief Financial Officer
                                                (Principal Accounting Officer)

Date:  April 18, 2000                                                           

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Dates Referenced Herein and Documents Incorporated by Reference

		Referenced-On Page
This ‘10-K/A’ Filing	Date	First	Last	Other Filings

Filed on:	4/18/00	10
	3/20/00	3		SC TO-T
For Period End:	12/31/99	1	8	10-K, 13F-HR, 13F-HR/A
	12/31/98	4		10-K
	5/10/95	8		8-K, 8-K/A
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Cna Financial Corp – ‘10-K/A’ for 12/31/99

On: Tuesday, 4/18/00, at 4:20pm ET · For: 12/31/99 · Accession #: 950137-0-1742 · File #: 1-05823

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Amendment to Annual Report — Form 10-K
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