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<br /> THE LEADERS A Proposal for New CRT Securities Top<br /> Pages 61-84 NAIC Meetings Attract Investors Global Brokers<br /> Page 30 Page 22 Page 68<br /> www.bestreview.com July 2017<br /> A.M. BEST'S MONTHLY INSURANCE MAGAZINE<br /> HOW TO ATTRACT AND KEEP<br /> The inside story on where the jobs<br /> are, what insurers are doing and a<br /> pool of young talent that they may<br /> be overlooking.<br /> Pages 32-60<br /> We believe every customer deserves person-to-person support.<br /> That's why, when you c<a title="Best's Review - July 2017 Edition page 1" href="http://viewer.zmags.com/publication/3353e02d?page=1"> THE LEADERS A Proposal for </a> <a title="Best's Review - July 2017 Edition page 2" href="http://viewer.zmags.com/publication/3353e02d?page=2"> We believe every customer deserves person-to-pers</a> <a title="Best's Review - July 2017 Edition page 3" href="http://viewer.zmags.com/publication/3353e02d?page=3"> From the Editor's Desk Talent Paradoxes To</a> <a title="Best's Review - July 2017 Edition page 4" href="http://viewer.zmags.com/publication/3353e02d?page=4"> TALENT Contents HOW TO ATTRACT AND KEEP </a> <a title="Best's Review - July 2017 Edition page 5" href="http://viewer.zmags.com/publication/3353e02d?page=5"> </a> <a title="Best's Review - July 2017 Edition page 6" href="http://viewer.zmags.com/publication/3353e02d?page=6"> Contents TL HE E ADE RS 61-84 Our annual Leade</a> <a title="Best's Review - July 2017 Edition page 7" href="http://viewer.zmags.com/publication/3353e02d?page=7"> We're invested in the people behind the numbers. </a> <a title="Best's Review - July 2017 Edition page 8" href="http://viewer.zmags.com/publication/3353e02d?page=8"> Best's Review Interactive @ www.bestreview.com D</a> <a title="Best's Review - July 2017 Edition page 9" href="http://viewer.zmags.com/publication/3353e02d?page=9"> If you can think it, we'll think of a way to insu</a> <a title="Best's Review - July 2017 Edition page 10" href="http://viewer.zmags.com/publication/3353e02d?page=10"> ® Department Megrow's Brosi: Risk, Not Rules, B</a> <a title="Best's Review - July 2017 Edition page 11" href="http://viewer.zmags.com/publication/3353e02d?page=11"> </a> <a title="Best's Review - July 2017 Edition page 12" href="http://viewer.zmags.com/publication/3353e02d?page=12"> Executive Changes Department Life/Health s</a> <a title="Best's Review - July 2017 Edition page 13" href="http://viewer.zmags.com/publication/3353e02d?page=13"> sNJM Insurance GroupHASPROMOTED Mitchell Liv</a> <a title="Best's Review - July 2017 Edition page 14" href="http://viewer.zmags.com/publication/3353e02d?page=14"> Insurance Marketing Top 5 Tips for Online Market</a> <a title="Best's Review - July 2017 Edition page 15" href="http://viewer.zmags.com/publication/3353e02d?page=15"> Best's Calendar Best's Calendar: Trade Shows/Con</a> <a title="Best's Review - July 2017 Edition page 16" href="http://viewer.zmags.com/publication/3353e02d?page=16"> A Global Conversation Department Millennials' F</a> <a title="Best's Review - July 2017 Edition page 17" href="http://viewer.zmags.com/publication/3353e02d?page=17"> Next Wave Entry-Level Learning Department T </a> <a title="Best's Review - July 2017 Edition page 18" href="http://viewer.zmags.com/publication/3353e02d?page=18"> Spotlight on Cyber UK Terrorism Raises Departme</a> <a title="Best's Review - July 2017 Edition page 19" href="http://viewer.zmags.com/publication/3353e02d?page=19"> Spotlight on Workers' Compensation Insurance Gro</a> <a title="Best's Review - July 2017 Edition page 20" href="http://viewer.zmags.com/publication/3353e02d?page=20"> At Large Insight Plugging the Leak Data can hel</a> <a title="Best's Review - July 2017 Edition page 21" href="http://viewer.zmags.com/publication/3353e02d?page=21"> Risk Adviser Experience Needed Insight New mil</a> <a title="Best's Review - July 2017 Edition page 22" href="http://viewer.zmags.com/publication/3353e02d?page=22"> Technology Insight Keeping Out of the Storm Ce</a> <a title="Best's Review - July 2017 Edition page 23" href="http://viewer.zmags.com/publication/3353e02d?page=23"> Regulatory/Law Déjà Vu … Again Insight The typ</a> <a title="Best's Review - July 2017 Edition page 24" href="http://viewer.zmags.com/publication/3353e02d?page=24"> Asset Management Taking on Risk Credit risk tra</a> <a title="Best's Review - July 2017 Edition page 25" href="http://viewer.zmags.com/publication/3353e02d?page=25"> “Unfortunately, in a world where investors</a> <a title="Best's Review - July 2017 Edition page 26" href="http://viewer.zmags.com/publication/3353e02d?page=26"> Asset Management and Freddie. As home prices fel</a> <a title="Best's Review - July 2017 Edition page 27" href="http://viewer.zmags.com/publication/3353e02d?page=27"> </a> <a title="Best's Review - July 2017 Edition page 28" href="http://viewer.zmags.com/publication/3353e02d?page=28"> Asset Management “Investors recognize that CRT n</a> <a title="Best's Review - July 2017 Edition page 29" href="http://viewer.zmags.com/publication/3353e02d?page=29"> “There is likely a spot for CRTs in both the core</a> <a title="Best's Review - July 2017 Edition page 30" href="http://viewer.zmags.com/publication/3353e02d?page=30"> An Eye on Market Drivers Life Insurance CEO of </a> <a title="Best's Review - July 2017 Edition page 31" href="http://viewer.zmags.com/publication/3353e02d?page=31"> INSTITUTISM no. 642 To lead is to spark a passi</a> <a title="Best's Review - July 2017 Edition page 32" href="http://viewer.zmags.com/publication/3353e02d?page=32"> Regulation Denver </a> <a title="Best's Review - July 2017 Edition page 33" href="http://viewer.zmags.com/publication/3353e02d?page=33"> State legislators and governors need to understan</a> <a title="Best's Review - July 2017 Edition page 34" href="http://viewer.zmags.com/publication/3353e02d?page=34"> Talent The Threat Is The unprecedented shortage </a> <a title="Best's Review - July 2017 Edition page 35" href="http://viewer.zmags.com/publication/3353e02d?page=35"> Real Key Points The Gap Is Real: The talent gap</a> <a title="Best's Review - July 2017 Edition page 36" href="http://viewer.zmags.com/publication/3353e02d?page=36"> Talent T he crisis is hidden in plain s</a> <a title="Best's Review - July 2017 Edition page 37" href="http://viewer.zmags.com/publication/3353e02d?page=37"> “There is a whole series of high-skilled areas—te</a> <a title="Best's Review - July 2017 Edition page 38" href="http://viewer.zmags.com/publication/3353e02d?page=38"> Talent Although experts anticipate the num</a> <a title="Best's Review - July 2017 Edition page 39" href="http://viewer.zmags.com/publication/3353e02d?page=39"> Attrition Ahead? T he insurance industry is not </a> <a title="Best's Review - July 2017 Edition page 40" href="http://viewer.zmags.com/publication/3353e02d?page=40"> (Continued from page 36) Talent Many profession</a> <a title="Best's Review - July 2017 Edition page 41" href="http://viewer.zmags.com/publication/3353e02d?page=41"> · 6,350 member agents signed since 198</a> <a title="Best's Review - July 2017 Edition page 42" href="http://viewer.zmags.com/publication/3353e02d?page=42"> Talent SURVIVAL OF THE TECHEST Technological i</a> <a title="Best's Review - July 2017 Edition page 43" href="http://viewer.zmags.com/publication/3353e02d?page=43"> technology revolution and emerging distribution c</a> <a title="Best's Review - July 2017 Edition page 44" href="http://viewer.zmags.com/publication/3353e02d?page=44"> Talent “We have this sea change in some way</a> <a title="Best's Review - July 2017 Edition page 45" href="http://viewer.zmags.com/publication/3353e02d?page=45"> “Technology-based jobs in insurance are some of t</a> <a title="Best's Review - July 2017 Edition page 46" href="http://viewer.zmags.com/publication/3353e02d?page=46"> what they can predict about their behavior and ho</a> <a title="Best's Review - July 2017 Edition page 47" href="http://viewer.zmags.com/publication/3353e02d?page=47"> “but a lot of the work that they are doing, the r</a> <a title="Best's Review - July 2017 Edition page 48" href="http://viewer.zmags.com/publication/3353e02d?page=48"> Talent “The person of the future is going to be </a> <a title="Best's Review - July 2017 Edition page 49" href="http://viewer.zmags.com/publication/3353e02d?page=49"> EDUCATION 101: Philadelphia Insurance Cos. employ</a> <a title="Best's Review - July 2017 Edition page 50" href="http://viewer.zmags.com/publication/3353e02d?page=50"> Talent care,” said Susan Johnson, vice president</a> <a title="Best's Review - July 2017 Edition page 51" href="http://viewer.zmags.com/publication/3353e02d?page=51"> “Many insurers now are connecting with job candid</a> <a title="Best's Review - July 2017 Edition page 52" href="http://viewer.zmags.com/publication/3353e02d?page=52"> Talent EMC Insurance Companies tells its s</a> <a title="Best's Review - July 2017 Edition page 53" href="http://viewer.zmags.com/publication/3353e02d?page=53"> Give 'Em What They Want P ast generations may ha</a> <a title="Best's Review - July 2017 Edition page 54" href="http://viewer.zmags.com/publication/3353e02d?page=54"> Talent Young and Happy Millennials reveal what </a> <a title="Best's Review - July 2017 Edition page 55" href="http://viewer.zmags.com/publication/3353e02d?page=55"> “I'm not just defined by the role of underwriter.</a> <a title="Best's Review - July 2017 Edition page 56" href="http://viewer.zmags.com/publication/3353e02d?page=56"> Talent “One of the things that has always been g</a> <a title="Best's Review - July 2017 Edition page 57" href="http://viewer.zmags.com/publication/3353e02d?page=57"> FONTELLA VAN CAMP Allstate Agency Owner Glendale,</a> <a title="Best's Review - July 2017 Edition page 58" href="http://viewer.zmags.com/publication/3353e02d?page=58"> Talent have been plenty of them, she said.The fo</a> <a title="Best's Review - July 2017 Edition page 59" href="http://viewer.zmags.com/publication/3353e02d?page=59"> “They've given me countless opportunities to lear</a> <a title="Best's Review - July 2017 Edition page 60" href="http://viewer.zmags.com/publication/3353e02d?page=60"> Talent Invisible Workforce Insurers often overlo</a> <a title="Best's Review - July 2017 Edition page 61" href="http://viewer.zmags.com/publication/3353e02d?page=61"> One of the big issues in insurance right now is a</a> <a title="Best's Review - July 2017 Edition page 62" href="http://viewer.zmags.com/publication/3353e02d?page=62"> Talent </a> <a title="Best's Review - July 2017 Edition page 63" href="http://viewer.zmags.com/publication/3353e02d?page=63"> THE LEADERS Best's Review's annual Leaders featur</a> <a title="Best's Review - July 2017 Edition page 64" href="http://viewer.zmags.com/publication/3353e02d?page=64"> THE LEADERS Standing the Test of Time Standing </a> <a title="Best's Review - July 2017 Edition page 65" href="http://viewer.zmags.com/publication/3353e02d?page=65"> A life insurer that was founded by </a> <a title="Best's Review - July 2017 Edition page 66" href="http://viewer.zmags.com/publication/3353e02d?page=66"> THE LEADERS Property/Casualty Insurers Rated A or</a> <a title="Best's Review - July 2017 Edition page 67" href="http://viewer.zmags.com/publication/3353e02d?page=67"> If you have time for only one magazine, Best's Re</a> <a title="Best's Review - July 2017 Edition page 68" href="http://viewer.zmags.com/publication/3353e02d?page=68"> THE LEADERS Standing the Test of Time Best's Ra</a> <a title="Best's Review - July 2017 Edition page 69" href="http://viewer.zmags.com/publication/3353e02d?page=69"> Life/Health Insurers Rated A or Higher for 75 Yea</a> <a title="Best's Review - July 2017 Edition page 70" href="http://viewer.zmags.com/publication/3353e02d?page=70"> The LEADERS Global Broker Ranking Top Global In</a> <a title="Best's Review - July 2017 Edition page 71" href="http://viewer.zmags.com/publication/3353e02d?page=71"> 1. Marsh & McLennan Cos. Headquarters: New York R</a> <a title="Best's Review - July 2017 Edition page 72" href="http://viewer.zmags.com/publication/3353e02d?page=72"> THE LEADERS 9. Lockton Inc. Global Broker Ranki</a> <a title="Best's Review - July 2017 Edition page 73" href="http://viewer.zmags.com/publication/3353e02d?page=73"> redirecting their focus as the global U.S. insura</a> <a title="Best's Review - July 2017 Edition page 74" href="http://viewer.zmags.com/publication/3353e02d?page=74"> THE LEADERS Top 200 U.S. P/C Writers Top200 U.S</a> <a title="Best's Review - July 2017 Edition page 75" href="http://viewer.zmags.com/publication/3353e02d?page=75"> U.S. Property/Casualty Writers Ranked by 2016 net</a> <a title="Best's Review - July 2017 Edition page 76" href="http://viewer.zmags.com/publication/3353e02d?page=76"> CA Earthquake Authority Hastings Mutual Ins Co </a> <a title="Best's Review - July 2017 Edition page 77" href="http://viewer.zmags.com/publication/3353e02d?page=77"> Top200 Top 200 U.S. Life/Annuity Insurers U.S. </a> <a title="Best's Review - July 2017 Edition page 78" href="http://viewer.zmags.com/publication/3353e02d?page=78"> Meiji Yasuda US Life Group Fidelity & Guaranty L</a> <a title="Best's Review - July 2017 Edition page 79" href="http://viewer.zmags.com/publication/3353e02d?page=79"> U.S. Life/Annuity Insurers Ranked by 2016 admitte</a> <a title="Best's Review - July 2017 Edition page 80" href="http://viewer.zmags.com/publication/3353e02d?page=80"> THE LEADERS Top 75 U.S. Public Insurers Top75 N</a> <a title="Best's Review - July 2017 Edition page 81" href="http://viewer.zmags.com/publication/3353e02d?page=81"> Rank AMB# Company Name </a> <a title="Best's Review - July 2017 Edition page 82" href="http://viewer.zmags.com/publication/3353e02d?page=82"> THE LEADERS Top 75 U.S. Public Insurers Top75 N</a> <a title="Best's Review - July 2017 Edition page 83" href="http://viewer.zmags.com/publication/3353e02d?page=83"> Rank AMB# Company Name </a> <a title="Best's Review - July 2017 Edition page 84" href="http://viewer.zmags.com/publication/3353e02d?page=84"> THE LEADERS Top Global Insurers World's Largest</a> <a title="Best's Review - July 2017 Edition page 85" href="http://viewer.zmags.com/publication/3353e02d?page=85"> World's Largest Insurance Companies Based on 201</a> <a title="Best's Review - July 2017 Edition page 86" href="http://viewer.zmags.com/publication/3353e02d?page=86"> THE LEADERS Top 25 U.S. Holding Companies, 2016 </a> <a title="Best's Review - July 2017 Edition page 87" href="http://viewer.zmags.com/publication/3353e02d?page=87"> ® Concise Insurer Profiles, Now in Real Time Best</a> <a title="Best's Review - July 2017 Edition page 88" href="http://viewer.zmags.com/publication/3353e02d?page=88"> What A.M. Best Says Department Best's Briefing:</a> <a title="Best's Review - July 2017 Edition page 89" href="http://viewer.zmags.com/publication/3353e02d?page=89"> Best's Credit Rating Actions T </a> <a title="Best's Review - July 2017 Edition page 90" href="http://viewer.zmags.com/publication/3353e02d?page=90"> Rating Action Business Type Company Name/ Ultim</a> <a title="Best's Review - July 2017 Edition page 91" href="http://viewer.zmags.com/publication/3353e02d?page=91"> Rating Action Business Type Company Name/ Ultim</a> <a title="Best's Review - July 2017 Edition page 92" href="http://viewer.zmags.com/publication/3353e02d?page=92"> Rating Action Business Type Company Name/ Ultim</a> <a title="Best's Review - July 2017 Edition page 93" href="http://viewer.zmags.com/publication/3353e02d?page=93"> Rating Action Business Type Company Name/ Ultim</a> <a title="Best's Review - July 2017 Edition page 94" href="http://viewer.zmags.com/publication/3353e02d?page=94"> Rating Action Business Type Company Name/ Ultim</a> <a title="Best's Review - July 2017 Edition page 95" href="http://viewer.zmags.com/publication/3353e02d?page=95"> BEST'S FINANCIAL STRENGTH RATING GUIDE – (FSR) A </a> <a title="Best's Review - July 2017 Edition page 96" href="http://viewer.zmags.com/publication/3353e02d?page=96"> BEST'S ISSUER CREDIT RATING GUIDE – (ICR) A Best'</a> <a title="Best's Review - July 2017 Edition page 97" href="http://viewer.zmags.com/publication/3353e02d?page=97"> Share your knowledge with our 59,000-plus </a> <a title="Best's Review - July 2017 Edition page 98" href="http://viewer.zmags.com/publication/3353e02d?page=98"> The Last Word Department The Philadelphia Story</a> <a title="Best's Review - July 2017 Edition page 99" href="http://viewer.zmags.com/publication/3353e02d?page=99"> A global carrier led by industry experts. A compa</a> <a title="Best's Review - July 2017 Edition page 100" href="http://viewer.zmags.com/publication/3353e02d?page=100"> Expect big things in workers' compensation. Expec</a>