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<br /> January 2, 2019 • Volume 6 • Issue 1 journal.ambest.com<br /> AM BEST’S MONTHLY INSURANCE ISSUES & ANALYSIS NEWSLETTER<br /> Best’s Market Segment Reports<br /> US Market Segment Outlooks<br /> 3 US Life/Annuity<br /> 6 US Life<br /> 9 US Annuity<br /> 12 US Health<br /> 16 US Personal Lines<br /> 19 US Commercial Lines<br /> Latin America Market Segment Outlooks<br /> 22 Brazil Reinsurance<br /> 24 Mexico Insurance<br /> 26 Panama Insurance<br /> Global Market Segment Outlooks<br /> 29 Global Reinsurance<br /> 33 Global Non-Life Reinsurance<br /> 37 Global Life Reinsurance<br /> Best’s Special Reports<br /> US Insurance Benchmarking<br /> 40 US P/C Benchmarking<br /> 54 US L/A Benchmarking<br /> 68 US Health Benchmarking<br /> Best’s Special Reports & Best’s Briefings<br /> 81 Best’s Impairment Rate and Rating Transitio<a title="Best's Journal - January 2, 2019 Edition page 1" href="http://viewer.zmags.com/publication/0d8713a3?page=1"> January 2, 2019 • Volume 6 • Issue 1 </a> <a title="Best's Journal - January 2, 2019 Edition page 2" href="http://viewer.zmags.com/publication/0d8713a3?page=2"> </a> <a title="Best's Journal - January 2, 2019 Edition page 3" href="http://viewer.zmags.com/publication/0d8713a3?page=3"> January 2, 2019 • Volume 6 • Issue 1 </a> <a title="Best's Journal - January 2, 2019 Edition page 4" href="http://viewer.zmags.com/publication/0d8713a3?page=4"> </a> <a title="Best's Journal - January 2, 2019 Edition page 5" href="http://viewer.zmags.com/publication/0d8713a3?page=5"> BEST'S MARKET SEGMENT REPORT December 6, 2018 </a> <a title="Best's Journal - January 2, 2019 Edition page 6" href="http://viewer.zmags.com/publication/0d8713a3?page=6"> Market Segment Outlook </a> <a title="Best's Journal - January 2, 2019 Edition page 7" href="http://viewer.zmags.com/publication/0d8713a3?page=7"> Market Segment Outlook </a> <a title="Best's Journal - January 2, 2019 Edition page 8" href="http://viewer.zmags.com/publication/0d8713a3?page=8"> BEST'S MARKET SEGMENT REPORT December 6, 2018 </a> <a title="Best's Journal - January 2, 2019 Edition page 9" href="http://viewer.zmags.com/publication/0d8713a3?page=9"> Market Segment Outlook </a> <a title="Best's Journal - January 2, 2019 Edition page 10" href="http://viewer.zmags.com/publication/0d8713a3?page=10"> Market Segment Outlook </a> <a title="Best's Journal - January 2, 2019 Edition page 11" href="http://viewer.zmags.com/publication/0d8713a3?page=11"> BEST'S MARKET SEGMENT REPORT December 6, 2018 </a> <a title="Best's Journal - January 2, 2019 Edition page 12" href="http://viewer.zmags.com/publication/0d8713a3?page=12"> Market Segment Outlook </a> <a title="Best's Journal - January 2, 2019 Edition page 13" href="http://viewer.zmags.com/publication/0d8713a3?page=13"> Market Segment Outlook </a> <a title="Best's Journal - January 2, 2019 Edition page 14" href="http://viewer.zmags.com/publication/0d8713a3?page=14"> BEST'S MARKET SEGMENT REPORT December 6, 2018 </a> <a title="Best's Journal - January 2, 2019 Edition page 15" href="http://viewer.zmags.com/publication/0d8713a3?page=15"> Market Segment Outlook </a> <a title="Best's Journal - January 2, 2019 Edition page 16" href="http://viewer.zmags.com/publication/0d8713a3?page=16"> Market Segment Outlook </a> <a title="Best's Journal - January 2, 2019 Edition page 17" href="http://viewer.zmags.com/publication/0d8713a3?page=17"> Market Segment Outlook </a> <a title="Best's Journal - January 2, 2019 Edition page 18" href="http://viewer.zmags.com/publication/0d8713a3?page=18"> BEST'S MARKET SEGMENT REPORT December 6, 2018 </a> <a title="Best's Journal - January 2, 2019 Edition page 19" href="http://viewer.zmags.com/publication/0d8713a3?page=19"> Market Segment Outlook </a> <a title="Best's Journal - January 2, 2019 Edition page 20" href="http://viewer.zmags.com/publication/0d8713a3?page=20"> Market Segment Outlook </a> <a title="Best's Journal - January 2, 2019 Edition page 21" href="http://viewer.zmags.com/publication/0d8713a3?page=21"> BEST'S MARKET SEGMENT REPORT December 6, 2018 </a> <a title="Best's Journal - January 2, 2019 Edition page 22" href="http://viewer.zmags.com/publication/0d8713a3?page=22"> Market Segment Outlook </a> <a title="Best's Journal - January 2, 2019 Edition page 23" href="http://viewer.zmags.com/publication/0d8713a3?page=23"> Market Segment Outlook </a> <a title="Best's Journal - January 2, 2019 Edition page 24" href="http://viewer.zmags.com/publication/0d8713a3?page=24"> BEST'S MARKET SEGMENT REPORT December 12, 2018 </a> <a title="Best's Journal - January 2, 2019 Edition page 25" href="http://viewer.zmags.com/publication/0d8713a3?page=25"> Market Segment Outlook </a> <a title="Best's Journal - January 2, 2019 Edition page 26" href="http://viewer.zmags.com/publication/0d8713a3?page=26"> BEST'S MARKET SEGMENT REPORT December 11, 2018 </a> <a title="Best's Journal - January 2, 2019 Edition page 27" href="http://viewer.zmags.com/publication/0d8713a3?page=27"> Market Segment Outlook </a> <a title="Best's Journal - January 2, 2019 Edition page 28" href="http://viewer.zmags.com/publication/0d8713a3?page=28"> BEST'S MARKET SEGMENT REPORT December 11, 2018 </a> <a title="Best's Journal - January 2, 2019 Edition page 29" href="http://viewer.zmags.com/publication/0d8713a3?page=29"> Market Segment Outlook </a> <a title="Best's Journal - 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January 2, 2019 Edition page 84" href="http://viewer.zmags.com/publication/0d8713a3?page=84"> Impairment Review </a> <a title="Best's Journal - January 2, 2019 Edition page 85" href="http://viewer.zmags.com/publication/0d8713a3?page=85"> Impairment Review </a> <a title="Best's Journal - January 2, 2019 Edition page 86" href="http://viewer.zmags.com/publication/0d8713a3?page=86"> Impairment Review </a> <a title="Best's Journal - January 2, 2019 Edition page 87" href="http://viewer.zmags.com/publication/0d8713a3?page=87"> Impairment Review </a> <a title="Best's Journal - January 2, 2019 Edition page 88" href="http://viewer.zmags.com/publication/0d8713a3?page=88"> Impairment Review </a> <a title="Best's Journal - January 2, 2019 Edition page 89" href="http://viewer.zmags.com/publication/0d8713a3?page=89"> Impairment Review </a> <a title="Best's Journal - January 2, 2019 Edition page 90" href="http://viewer.zmags.com/publication/0d8713a3?page=90"> Impairment Review </a> <a title="Best's Journal - 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January 2, 2019 Edition page 98" href="http://viewer.zmags.com/publication/0d8713a3?page=98"> Impairment Review </a> <a title="Best's Journal - January 2, 2019 Edition page 99" href="http://viewer.zmags.com/publication/0d8713a3?page=99"> Impairment Review </a> <a title="Best's Journal - January 2, 2019 Edition page 100" href="http://viewer.zmags.com/publication/0d8713a3?page=100"> Impairment Review </a> <a title="Best's Journal - January 2, 2019 Edition page 101" href="http://viewer.zmags.com/publication/0d8713a3?page=101"> Impairment Review </a> <a title="Best's Journal - January 2, 2019 Edition page 102" href="http://viewer.zmags.com/publication/0d8713a3?page=102"> BEST'S SPECIAL REPORT US Property/Casu</a> <a title="Best's Journal - January 2, 2019 Edition page 103" href="http://viewer.zmags.com/publication/0d8713a3?page=103"> Financial Review </a> <a title="Best's Journal - January 2, 2019 Edition page 104" href="http://viewer.zmags.com/publication/0d8713a3?page=104"> Financial Review </a> <a title="Best's Journal - January 2, 2019 Edition page 105" href="http://viewer.zmags.com/publication/0d8713a3?page=105"> Financial Review </a> <a title="Best's Journal - January 2, 2019 Edition page 106" href="http://viewer.zmags.com/publication/0d8713a3?page=106"> Financial Review </a> <a title="Best's Journal - January 2, 2019 Edition page 107" href="http://viewer.zmags.com/publication/0d8713a3?page=107"> BEST'S MARKET SEGMENT REPORT November 28, 2018 </a> <a title="Best's Journal - January 2, 2019 Edition page 108" href="http://viewer.zmags.com/publication/0d8713a3?page=108"> Market Segment Report </a> <a title="Best's Journal - January 2, 2019 Edition page 109" href="http://viewer.zmags.com/publication/0d8713a3?page=109"> Market Segment Report </a> <a title="Best's Journal - January 2, 2019 Edition page 110" href="http://viewer.zmags.com/publication/0d8713a3?page=110"> Market Segment Report </a> <a title="Best's Journal - January 2, 2019 Edition page 111" href="http://viewer.zmags.com/publication/0d8713a3?page=111"> Market Segment Report </a> <a title="Best's Journal - 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January 2, 2019 Edition page 119" href="http://viewer.zmags.com/publication/0d8713a3?page=119"> BEST'S BRIEFING </a> <a title="Best's Journal - January 2, 2019 Edition page 120" href="http://viewer.zmags.com/publication/0d8713a3?page=120"> Issues Review </a> <a title="Best's Journal - January 2, 2019 Edition page 121" href="http://viewer.zmags.com/publication/0d8713a3?page=121"> Issues Review </a> <a title="Best's Journal - January 2, 2019 Edition page 122" href="http://viewer.zmags.com/publication/0d8713a3?page=122"> BEST'S SPECIAL REPORT US Prop</a> <a title="Best's Journal - January 2, 2019 Edition page 123" href="http://viewer.zmags.com/publication/0d8713a3?page=123"> Financial Review </a> <a title="Best's Journal - January 2, 2019 Edition page 124" href="http://viewer.zmags.com/publication/0d8713a3?page=124"> Financial Review </a> <a title="Best's Journal - January 2, 2019 Edition page 125" href="http://viewer.zmags.com/publication/0d8713a3?page=125"> Financial Review </a> <a title="Best's Journal - January 2, 2019 Edition page 126" href="http://viewer.zmags.com/publication/0d8713a3?page=126"> Financial Review </a> <a title="Best's Journal - January 2, 2019 Edition page 127" href="http://viewer.zmags.com/publication/0d8713a3?page=127"> BEST'S MARKET SEGMENT REPORT 21 November, 2018 </a> <a title="Best's Journal - January 2, 2019 Edition page 128" href="http://viewer.zmags.com/publication/0d8713a3?page=128"> Market Segment Report </a> <a title="Best's Journal - January 2, 2019 Edition page 129" href="http://viewer.zmags.com/publication/0d8713a3?page=129"> Market Segment Report </a> <a title="Best's Journal - January 2, 2019 Edition page 130" href="http://viewer.zmags.com/publication/0d8713a3?page=130"> Market Segment Report </a> <a title="Best's Journal - January 2, 2019 Edition page 131" href="http://viewer.zmags.com/publication/0d8713a3?page=131"> Market Segment Report </a> <a title="Best's Journal - January 2, 2019 Edition page 132" href="http://viewer.zmags.com/publication/0d8713a3?page=132"> BEST'S BRIEFING Euro</a> <a title="Best's Journal - January 2, 2019 Edition page 133" href="http://viewer.zmags.com/publication/0d8713a3?page=133"> Regulatory Review </a> <a title="Best's Journal - January 2, 2019 Edition page 134" href="http://viewer.zmags.com/publication/0d8713a3?page=134"> Best’s Market Segment Outlooks MARKET SEGMENT </a> <a title="Best's Journal - January 2, 2019 Edition page 135" href="http://viewer.zmags.com/publication/0d8713a3?page=135"> Our market segment outlooks examine the impact of</a> <a title="Best's Journal - January 2, 2019 Edition page 136" href="http://viewer.zmags.com/publication/0d8713a3?page=136"> AM Best: Country Risk Tiers AS OF DECEMBER 18, 20</a> <a title="Best's Journal - January 2, 2019 Edition page 137" href="http://viewer.zmags.com/publication/0d8713a3?page=137"> Country risk is the risk that factors specific to </a> <a title="Best's Journal - January 2, 2019 Edition page 138" href="http://viewer.zmags.com/publication/0d8713a3?page=138"> Best’s Credit Rating Actions for Nov. 14 - Dec. 1</a> <a title="Best's Journal - January 2, 2019 Edition page 139" href="http://viewer.zmags.com/publication/0d8713a3?page=139"> Rating Action Business Type Company Name/ Ultim</a> <a title="Best's Journal - January 2, 2019 Edition page 140" href="http://viewer.zmags.com/publication/0d8713a3?page=140"> Rating Action Business Type Company Name/ Ultim</a> <a title="Best's Journal - January 2, 2019 Edition page 141" href="http://viewer.zmags.com/publication/0d8713a3?page=141"> Rating Action Business Type Company Name/ Ultim</a> <a title="Best's Journal - January 2, 2019 Edition page 142" href="http://viewer.zmags.com/publication/0d8713a3?page=142"> Rating Action Business Type Company Name/ Ultim</a> <a title="Best's Journal - January 2, 2019 Edition page 143" href="http://viewer.zmags.com/publication/0d8713a3?page=143"> New Securities Date Issued Rating Outlook/ Impl</a> <a title="Best's Journal - January 2, 2019 Edition page 144" href="http://viewer.zmags.com/publication/0d8713a3?page=144"> BEST’S ISSUER CREDIT RATING GUIDE – (ICR) A Best’</a> <a title="Best's Journal - January 2, 2019 Edition page 145" href="http://viewer.zmags.com/publication/0d8713a3?page=145"> BEST’S FINANCIAL STRENGTH RATING GUIDE – (FSR) A </a> <a title="Best's Journal - January 2, 2019 Edition page 146" href="http://viewer.zmags.com/publication/0d8713a3?page=146"> BEST’S ISSUE CREDIT RATING GUIDE – (IR) A Best’s </a> <a title="Best's Journal - January 2, 2019 Edition page 147" href="http://viewer.zmags.com/publication/0d8713a3?page=147"> Best’s Calendar Marsh & McLennan Cos.’ President </a> <a title="Best's Journal - January 2, 2019 Edition page 148" href="http://viewer.zmags.com/publication/0d8713a3?page=148"> </a> <a title="Best's Journal - January 2, 2019 Edition page 149" href="http://viewer.zmags.com/publication/0d8713a3?page=149"> </a> <a title="Best's Journal - January 2, 2019 Edition page 150" href="http://viewer.zmags.com/publication/0d8713a3?page=150"> www.ambest.com</a>