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<br /> A.M. Best Rankings: A Call to Examine 2018 Trade ISSUES & ANSWERS:<br /> Top Audit and Actuarial Firms The Examiners Show Highlights Accounting and Actuarial Services<br /> Page 25 Page 28 Page 54 Pages 19-21<br /> *ANUARYs6OLUMEs)SSUE WWWBESTREVIEWCOM<br /> A.M. BEST'S MONTHLY INSURANCE MAGAZINE<br /> Balance of<br /> POWER<br /> Digital technology is set<br /> to change the long-standing<br /> dynamics of insurance<br /> distribution. Pages 31-52<br /> We believe every customer deserves person-to-person support.<br /> That's why, when you call PHLY, you'll speak with a real person.<br /> A professional with answers to your questions about <a title="Best's Review - January 2018 Edition page 1" href="http://viewer.zmags.com/publication/11592026?page=1"> A.M. Best Rankings: A Cal</a> <a title="Best's Review - January 2018 Edition page 2" href="http://viewer.zmags.com/publication/11592026?page=2"> We believe every customer deserves person-to-pers</a> <a title="Best's Review - January 2018 Edition page 3" href="http://viewer.zmags.com/publication/11592026?page=3"> From the Editor's Desk Balance of Power B</a> <a title="Best's Review - January 2018 Edition page 4" href="http://viewer.zmags.com/publication/11592026?page=4"> DISTRIBUTION Contents 31-52 Beaslat'sncRevoief</a> <a title="Best's Review - January 2018 Edition page 5" href="http://viewer.zmags.com/publication/11592026?page=5"> STATUS QUO HOLDS YOU BACK. </a> <a title="Best's Review - January 2018 Edition page 6" href="http://viewer.zmags.com/publication/11592026?page=6"> Contents 60 Give and Take ISSUES & ANSWERS </a> <a title="Best's Review - January 2018 Edition page 7" href="http://viewer.zmags.com/publication/11592026?page=7"> Best's Review Interactive @ www.bestreview.com C</a> <a title="Best's Review - January 2018 Edition page 8" href="http://viewer.zmags.com/publication/11592026?page=8"> ® Department Captive Insurance Pros: Hard Marke</a> <a title="Best's Review - January 2018 Edition page 9" href="http://viewer.zmags.com/publication/11592026?page=9"> Executive Changes Distribution sBritt New</a> <a title="Best's Review - January 2018 Edition page 10" href="http://viewer.zmags.com/publication/11592026?page=10"> Department Earlier, Ironshore appointed To</a> <a title="Best's Review - January 2018 Edition page 11" href="http://viewer.zmags.com/publication/11592026?page=11"> Insurance Marketing O Canada! LAWRIE INSUR</a> <a title="Best's Review - January 2018 Edition page 12" href="http://viewer.zmags.com/publication/11592026?page=12"> Best's Calendar Best's Calendar: Trade Shows/Con</a> <a title="Best's Review - January 2018 Edition page 13" href="http://viewer.zmags.com/publication/11592026?page=13"> A Global Conversation Captive Trends Experts and</a> <a title="Best's Review - January 2018 Edition page 14" href="http://viewer.zmags.com/publication/11592026?page=14"> Department De Bu at laware's Captive reau is Bu</a> <a title="Best's Review - January 2018 Edition page 15" href="http://viewer.zmags.com/publication/11592026?page=15"> Next Wave Looking Ahead Department A </a> <a title="Best's Review - January 2018 Edition page 16" href="http://viewer.zmags.com/publication/11592026?page=16"> Spotlight on Regulation IAIS to Focus on Cyberse</a> <a title="Best's Review - January 2018 Edition page 17" href="http://viewer.zmags.com/publication/11592026?page=17"> At Large Altered State Insight Do taxes and ta</a> <a title="Best's Review - January 2018 Edition page 18" href="http://viewer.zmags.com/publication/11592026?page=18"> Risk Adviser Insight Get Creative To stand out </a> <a title="Best's Review - January 2018 Edition page 19" href="http://viewer.zmags.com/publication/11592026?page=19"> Technology History Redux Insight Managing insu</a> <a title="Best's Review - January 2018 Edition page 20" href="http://viewer.zmags.com/publication/11592026?page=20"> Regulatory/Law Insight What's the Ending? The d</a> <a title="Best's Review - January 2018 Edition page 21" href="http://viewer.zmags.com/publication/11592026?page=21"> Special Advertising Section ISSUES & ANSWERS: </a> <a title="Best's Review - January 2018 Edition page 22" href="http://viewer.zmags.com/publication/11592026?page=22"> Are you ready for the future of insurance? </a> <a title="Best's Review - January 2018 Edition page 23" href="http://viewer.zmags.com/publication/11592026?page=23"> SPECIAL ADVERTISING SECTION ssues &</a> <a title="Best's Review - January 2018 Edition page 24" href="http://viewer.zmags.com/publication/11592026?page=24"> Asset Management Game PLAN The head of client st</a> <a title="Best's Review - January 2018 Edition page 25" href="http://viewer.zmags.com/publication/11592026?page=25"> this—but more size. Larger companies tend to be a</a> <a title="Best's Review - January 2018 Edition page 26" href="http://viewer.zmags.com/publication/11592026?page=26"> Asset Management In Style FWD Group's investment</a> <a title="Best's Review - January 2018 Edition page 27" href="http://viewer.zmags.com/publication/11592026?page=27"> Top Audit and Actuarial Firms Auditors and actua</a> <a title="Best's Review - January 2018 Edition page 28" href="http://viewer.zmags.com/publication/11592026?page=28"> A.M. Best Data Statements and Opinions </a> <a title="Best's Review - January 2018 Edition page 29" href="http://viewer.zmags.com/publication/11592026?page=29"> companies is to certify the audits of financial s</a> <a title="Best's Review - January 2018 Edition page 30" href="http://viewer.zmags.com/publication/11592026?page=30"> Regulation ROLE Review Is the steady replacement</a> <a title="Best's Review - January 2018 Edition page 31" href="http://viewer.zmags.com/publication/11592026?page=31"> conduct solvency and market conduct regulation re</a> <a title="Best's Review - January 2018 Edition page 32" href="http://viewer.zmags.com/publication/11592026?page=32"> Regulation other regulatory tasks. In recent yea</a> <a title="Best's Review - January 2018 Edition page 33" href="http://viewer.zmags.com/publication/11592026?page=33"> Balance of Distribution POWER I nsurers</a> <a title="Best's Review - January 2018 Edition page 34" href="http://viewer.zmags.com/publication/11592026?page=34"> Distribution 32 Altering the DNA Of Distribut</a> <a title="Best's Review - January 2018 Edition page 35" href="http://viewer.zmags.com/publication/11592026?page=35"> BEST'S REV)%7s*!.5!29 33</a> <a title="Best's Review - January 2018 Edition page 36" href="http://viewer.zmags.com/publication/11592026?page=36"> Distribution “The dynamics of distribution withi</a> <a title="Best's Review - January 2018 Edition page 37" href="http://viewer.zmags.com/publication/11592026?page=37"> “[Clients] have started to demand strategies that</a> <a title="Best's Review - January 2018 Edition page 38" href="http://viewer.zmags.com/publication/11592026?page=38"> Distribution “It's across all dimensi</a> <a title="Best's Review - January 2018 Edition page 39" href="http://viewer.zmags.com/publication/11592026?page=39"> claims and trends, figuring out frequency and sev</a> <a title="Best's Review - January 2018 Edition page 40" href="http://viewer.zmags.com/publication/11592026?page=40"> Distribution JOINING Forces A growing number of </a> <a title="Best's Review - January 2018 Edition page 41" href="http://viewer.zmags.com/publication/11592026?page=41"> Key Points Setting the Scene: Agency networks, l</a> <a title="Best's Review - January 2018 Edition page 42" href="http://viewer.zmags.com/publication/11592026?page=42"> Distribution “Some very talented sales organizat</a> <a title="Best's Review - January 2018 Edition page 43" href="http://viewer.zmags.com/publication/11592026?page=43"> who continue to watch the groups to determine how</a> <a title="Best's Review - January 2018 Edition page 44" href="http://viewer.zmags.com/publication/11592026?page=44"> Distribution Agency networks provide agencies wi</a> <a title="Best's Review - January 2018 Edition page 45" href="http://viewer.zmags.com/publication/11592026?page=45"> In an industry that deals in risk, there's no pre</a> <a title="Best's Review - January 2018 Edition page 46" href="http://viewer.zmags.com/publication/11592026?page=46"> Key Points Distribution New Role: The growing a</a> <a title="Best's Review - January 2018 Edition page 47" href="http://viewer.zmags.com/publication/11592026?page=47"> BEST'S REV)%7s*!.5!29 45</a> <a title="Best's Review - January 2018 Edition page 48" href="http://viewer.zmags.com/publication/11592026?page=48"> Distribution T he education of </a> <a title="Best's Review - January 2018 Edition page 49" href="http://viewer.zmags.com/publication/11592026?page=49"> “What's changing is the way customers want to int</a> <a title="Best's Review - January 2018 Edition page 50" href="http://viewer.zmags.com/publication/11592026?page=50"> Distribution In 2016, only 44% of consume</a> <a title="Best's Review - January 2018 Edition page 51" href="http://viewer.zmags.com/publication/11592026?page=51"> channel sales increase. Carriers that distribute </a> <a title="Best's Review - January 2018 Edition page 52" href="http://viewer.zmags.com/publication/11592026?page=52"> Distribution “Recruiting is our lifeblood. A goo</a> <a title="Best's Review - January 2018 Edition page 53" href="http://viewer.zmags.com/publication/11592026?page=53"> What A.M. Best Says Best's Special Reports Exa</a> <a title="Best's Review - January 2018 Edition page 54" href="http://viewer.zmags.com/publication/11592026?page=54"> Distribution in the single digits, around 8%.The</a> <a title="Best's Review - January 2018 Edition page 55" href="http://viewer.zmags.com/publication/11592026?page=55"> How does your capitalization stack up? Best</a> <a title="Best's Review - January 2018 Edition page 56" href="http://viewer.zmags.com/publication/11592026?page=56"> Trade Shows TEXAS CHIC RIMS heads to San Antonio</a> <a title="Best's Review - January 2018 Edition page 57" href="http://viewer.zmags.com/publication/11592026?page=57"> trade shows, conventions and meetings that fill t</a> <a title="Best's Review - January 2018 Edition page 58" href="http://viewer.zmags.com/publication/11592026?page=58"> Trade Shows Although Hurricane Harvey large</a> <a title="Best's Review - January 2018 Edition page 59" href="http://viewer.zmags.com/publication/11592026?page=59"> Best's Calendar: Trade Shows/Conferences AGENTS A</a> <a title="Best's Review - January 2018 Edition page 60" href="http://viewer.zmags.com/publication/11592026?page=60"> Best's Calendar: Trade Shows/Conferences (cont'd)</a> <a title="Best's Review - January 2018 Edition page 61" href="http://viewer.zmags.com/publication/11592026?page=61"> Best's Calendar: Trade Shows/Conferences (cont'd)</a> <a title="Best's Review - January 2018 Edition page 62" href="http://viewer.zmags.com/publication/11592026?page=62"> Education GIVE AND TAKE Advisory boards can cre</a> <a title="Best's Review - January 2018 Edition page 63" href="http://viewer.zmags.com/publication/11592026?page=63"> board usage, newer programs can learn how to get </a> <a title="Best's Review - January 2018 Edition page 64" href="http://viewer.zmags.com/publication/11592026?page=64"> Education meetings. More than half the boards re</a> <a title="Best's Review - January 2018 Edition page 65" href="http://viewer.zmags.com/publication/11592026?page=65"> The Human Factor Claims The future of claims ma</a> <a title="Best's Review - January 2018 Edition page 66" href="http://viewer.zmags.com/publication/11592026?page=66"> Claims professional liability and workers' compe</a> <a title="Best's Review - January 2018 Edition page 67" href="http://viewer.zmags.com/publication/11592026?page=67"> Keep Up To Date in Today's Ever-Changing Insuranc</a> <a title="Best's Review - January 2018 Edition page 68" href="http://viewer.zmags.com/publication/11592026?page=68"> Webinar Highlights: Claims Droning On An A.M. Be</a> <a title="Best's Review - January 2018 Edition page 69" href="http://viewer.zmags.com/publication/11592026?page=69"> “The drones are a great tool to get ... informati</a> <a title="Best's Review - January 2018 Edition page 70" href="http://viewer.zmags.com/publication/11592026?page=70"> Webinar Highlights: Claims “Machine learning, wh</a> <a title="Best's Review - January 2018 Edition page 71" href="http://viewer.zmags.com/publication/11592026?page=71"> drone solution and we have been doing that now fo</a> <a title="Best's Review - January 2018 Edition page 72" href="http://viewer.zmags.com/publication/11592026?page=72"> Webinar Highlights: Documents Streamline THE DAT</a> <a title="Best's Review - January 2018 Edition page 73" href="http://viewer.zmags.com/publication/11592026?page=73"> “Insurance companies have very antiquated admin s</a> <a title="Best's Review - January 2018 Edition page 74" href="http://viewer.zmags.com/publication/11592026?page=74"> Webinar Highlights: Documents “Companies are now</a> <a title="Best's Review - January 2018 Edition page 75" href="http://viewer.zmags.com/publication/11592026?page=75"> “I encourage every insurance company to go throug</a> <a title="Best's Review - January 2018 Edition page 76" href="http://viewer.zmags.com/publication/11592026?page=76"> What A.M. Best Says Best's Briefing Examines Rece</a> <a title="Best's Review - January 2018 Edition page 77" href="http://viewer.zmags.com/publication/11592026?page=77"> income.This indicates how long it may take for co</a> <a title="Best's Review - January 2018 Edition page 78" href="http://viewer.zmags.com/publication/11592026?page=78"> What A.M. Best Says Department Best's Special R</a> <a title="Best's Review - January 2018 Edition page 79" href="http://viewer.zmags.com/publication/11592026?page=79"> over the near term. Carbon nanotubes (CNT) can be</a> <a title="Best's Review - January 2018 Edition page 80" href="http://viewer.zmags.com/publication/11592026?page=80"> Best's Rankings A.M. Best Data U.S. Property/Ca</a> <a title="Best's Review - January 2018 Edition page 81" href="http://viewer.zmags.com/publication/11592026?page=81"> Best's Credit Rating Actions T his</a> <a title="Best's Review - January 2018 Edition page 82" href="http://viewer.zmags.com/publication/11592026?page=82"> Rating Action Business Type Company Name/ Ultim</a> <a title="Best's Review - January 2018 Edition page 83" href="http://viewer.zmags.com/publication/11592026?page=83"> Rating Action Business Type Company Name/ Ultim</a> <a title="Best's Review - January 2018 Edition page 84" href="http://viewer.zmags.com/publication/11592026?page=84"> BEST'S FINANCIAL STRENGTH RATING GUIDE – (FSR) D</a> <a title="Best's Review - January 2018 Edition page 85" href="http://viewer.zmags.com/publication/11592026?page=85"> BEST'S ISSUER CREDIT RATING GUIDE – (ICR) A Best'</a> <a title="Best's Review - January 2018 Edition page 86" href="http://viewer.zmags.com/publication/11592026?page=86"> Industry Updates Best's Insurance Professionals </a> <a title="Best's Review - January 2018 Edition page 87" href="http://viewer.zmags.com/publication/11592026?page=87"> International Underwriting Association. </a> <a title="Best's Review - January 2018 Edition page 88" href="http://viewer.zmags.com/publication/11592026?page=88"> Department “It is a pivotal moment </a> <a title="Best's Review - January 2018 Edition page 89" href="http://viewer.zmags.com/publication/11592026?page=89"> Coming April 2018 Risk modelers, analytic pro</a> <a title="Best's Review - January 2018 Edition page 90" href="http://viewer.zmags.com/publication/11592026?page=90"> The Last Word Department A New Reality Virtual </a> <a title="Best's Review - January 2018 Edition page 91" href="http://viewer.zmags.com/publication/11592026?page=91"> The Best Perspective on Issue Credit Ratings A</a> <a title="Best's Review - January 2018 Edition page 92" href="http://viewer.zmags.com/publication/11592026?page=92"> Expect big things in workers' compensation. Most </a>