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<br /> The Leaders<br /> Pages 66-89<br /> Threats to Grid<br /> Spark Concerns<br /> Page 44<br /> Reinsurers Respond<br /> to Life Changes<br /> Page 99<br /> Issues & Answers:<br /> Predictive Analytics<br /> Pages 55-57<br /> www.bestreview.com July 2015<br /> A.M. BEST'S MONTHLY INSURANCE MAGAZINE<br /> Risk Enters a New<br /> Dimension<br /> The emergence of 3-D printing,<br /> e-cigarettes and other new<br /> technologies is unveiling<br /> new risks and coverage<br /> opportunities for insurers.<br /> Pages 16-53<br /> <br /> From the Editor's Desk<br /> Risk and Renewal<br /> Emerging risks have often been viewed as a cause terrorism, a solar flare or electromagnetic pulse,<br /> for concern because of the potential for unexpected threatens bu<a title="Best's Review - July 2015 Edition page 1" href="http://viewer.zmags.com/publication/3e10faa8?page=1"> The Leaders Pages 66-89 Threats to Grid Spark Co</a> <a title="Best's Review - July 2015 Edition page 2" href="http://viewer.zmags.com/publication/3e10faa8?page=2"> </a> <a title="Best's Review - July 2015 Edition page 3" href="http://viewer.zmags.com/publication/3e10faa8?page=3"> From the Editor's Desk Risk and Renewal </a> <a title="Best's Review - July 2015 Edition page 4" href="http://viewer.zmags.com/publication/3e10faa8?page=4"> RISK ENTERS A NEW DIMENSION Contents 16 Insure</a> <a title="Best's Review - July 2015 Edition page 5" href="http://viewer.zmags.com/publication/3e10faa8?page=5"> WALL STREET CAPABILITIES. MAIN STREET SENSIBILITI</a> <a title="Best's Review - July 2015 Edition page 6" href="http://viewer.zmags.com/publication/3e10faa8?page=6"> The Leaders Contents Standing the Test of Time </a> <a title="Best's Review - July 2015 Edition page 7" href="http://viewer.zmags.com/publication/3e10faa8?page=7"> HUMAN SERVICES PROTECTION NON - PROFIT/ FOR PROFI</a> <a title="Best's Review - July 2015 Edition page 8" href="http://viewer.zmags.com/publication/3e10faa8?page=8"> Online @ www.bestreview.com Online Page Making </a> <a title="Best's Review - July 2015 Edition page 9" href="http://viewer.zmags.com/publication/3e10faa8?page=9"> 6* We know our markets. Due to demographic chan</a> <a title="Best's Review - July 2015 Edition page 10" href="http://viewer.zmags.com/publication/3e10faa8?page=10"> Video and Audio from A.M.BestRadio The A.M. Bes</a> <a title="Best's Review - July 2015 Edition page 11" href="http://viewer.zmags.com/publication/3e10faa8?page=11"> SMALL BUSINESS INSURANCE BUILT BETTER </a> <a title="Best's Review - July 2015 Edition page 12" href="http://viewer.zmags.com/publication/3e10faa8?page=12"> Jackson National President Mike Wells Executive </a> <a title="Best's Review - July 2015 Edition page 13" href="http://viewer.zmags.com/publication/3e10faa8?page=13"> MassMutual, continues to be chief enterprise risk</a> <a title="Best's Review - July 2015 Edition page 14" href="http://viewer.zmags.com/publication/3e10faa8?page=14"> Executive Changes casualty and consumer lines bu</a> <a title="Best's Review - July 2015 Edition page 15" href="http://viewer.zmags.com/publication/3e10faa8?page=15"> Nature is unpredictable. Insurance shouldn't be. </a> <a title="Best's Review - July 2015 Edition page 16" href="http://viewer.zmags.com/publication/3e10faa8?page=16"> Top 5 Insurance Marketing Social Media Tips for</a> <a title="Best's Review - July 2015 Edition page 17" href="http://viewer.zmags.com/publication/3e10faa8?page=17"> Life Insurance | BenefitAccess Rider “How c</a> <a title="Best's Review - July 2015 Edition page 18" href="http://viewer.zmags.com/publication/3e10faa8?page=18"> Emerging Risk: 3-D Printing The Next Industrial </a> <a title="Best's Review - July 2015 Edition page 19" href="http://viewer.zmags.com/publication/3e10faa8?page=19"> president of manufacturing, Zurich North </a> <a title="Best's Review - July 2015 Edition page 20" href="http://viewer.zmags.com/publication/3e10faa8?page=20"> Emerging Risk: 3-D Printing has been used thus f</a> <a title="Best's Review - July 2015 Edition page 21" href="http://viewer.zmags.com/publication/3e10faa8?page=21"> which I could find a replacement part,” </a> <a title="Best's Review - July 2015 Edition page 22" href="http://viewer.zmags.com/publication/3e10faa8?page=22"> Emerging Risk: 3-D Printing Even if a compa</a> <a title="Best's Review - July 2015 Edition page 23" href="http://viewer.zmags.com/publication/3e10faa8?page=23"> </a> <a title="Best's Review - July 2015 Edition page 24" href="http://viewer.zmags.com/publication/3e10faa8?page=24"> Emerging Risk: 3-D Printed Food SMOOTHFOOD: The </a> <a title="Best's Review - July 2015 Edition page 25" href="http://viewer.zmags.com/publication/3e10faa8?page=25"> to see how they would look as a piece of printed </a> <a title="Best's Review - July 2015 Edition page 26" href="http://viewer.zmags.com/publication/3e10faa8?page=26"> Emerging Risk: 3-D Medical CUSTOM-BUILT: The med</a> <a title="Best's Review - July 2015 Edition page 27" href="http://viewer.zmags.com/publication/3e10faa8?page=27"> play a big role in the more personalized medicine</a> <a title="Best's Review - July 2015 Edition page 28" href="http://viewer.zmags.com/publication/3e10faa8?page=28"> Emerging Risk: 3-D in Space TOOLS ON DEMAND: Int</a> <a title="Best's Review - July 2015 Edition page 29" href="http://viewer.zmags.com/publication/3e10faa8?page=29"> by an astronaut's casual remark that punctuated t</a> <a title="Best's Review - July 2015 Edition page 30" href="http://viewer.zmags.com/publication/3e10faa8?page=30"> Emerging Risk: Diseases FEVER RISING Infectious </a> <a title="Best's Review - July 2015 Edition page 31" href="http://viewer.zmags.com/publication/3e10faa8?page=31"> and business continuity approaches to meet the em</a> <a title="Best's Review - July 2015 Edition page 32" href="http://viewer.zmags.com/publication/3e10faa8?page=32"> Emerging Risk: Diseases In addition, a </a> <a title="Best's Review - July 2015 Edition page 33" href="http://viewer.zmags.com/publication/3e10faa8?page=33"> demand for goods and services, thereby disrupting</a> <a title="Best's Review - July 2015 Edition page 34" href="http://viewer.zmags.com/publication/3e10faa8?page=34"> Emerging Risk: Diseases to excess policies for i</a> <a title="Best's Review - July 2015 Edition page 35" href="http://viewer.zmags.com/publication/3e10faa8?page=35"> Emerging Risk: Health Threats Life Insurers Face</a> <a title="Best's Review - July 2015 Edition page 36" href="http://viewer.zmags.com/publication/3e10faa8?page=36"> Emerging Risk: Health Threats for public and eco</a> <a title="Best's Review - July 2015 Edition page 37" href="http://viewer.zmags.com/publication/3e10faa8?page=37"> specific characteristics of the infectious agent </a> <a title="Best's Review - July 2015 Edition page 38" href="http://viewer.zmags.com/publication/3e10faa8?page=38"> Emerging Risk: E-cigarettes Smoke Signals Carrie</a> <a title="Best's Review - July 2015 Edition page 39" href="http://viewer.zmags.com/publication/3e10faa8?page=39"> follow the manufacturer's warnings and instructio</a> <a title="Best's Review - July 2015 Edition page 40" href="http://viewer.zmags.com/publication/3e10faa8?page=40"> Emerging Risk: E-cigarettes information is requi</a> <a title="Best's Review - July 2015 Edition page 41" href="http://viewer.zmags.com/publication/3e10faa8?page=41"> CiC Certified Insurance Counselors (CIC) educatio</a> <a title="Best's Review - July 2015 Edition page 42" href="http://viewer.zmags.com/publication/3e10faa8?page=42"> Emerging Risk: Synthetic Biology Cracking the DN</a> <a title="Best's Review - July 2015 Edition page 43" href="http://viewer.zmags.com/publication/3e10faa8?page=43"> The cost of producing this medicine in </a> <a title="Best's Review - July 2015 Edition page 44" href="http://viewer.zmags.com/publication/3e10faa8?page=44"> Emerging Risk: Nanotechnology Small Technology, </a> <a title="Best's Review - July 2015 Edition page 45" href="http://viewer.zmags.com/publication/3e10faa8?page=45"> Technologies Pose Significant Risks With Possible</a> <a title="Best's Review - July 2015 Edition page 46" href="http://viewer.zmags.com/publication/3e10faa8?page=46"> Emerging Risk: Electric Grid Damage to the power</a> <a title="Best's Review - July 2015 Edition page 47" href="http://viewer.zmags.com/publication/3e10faa8?page=47"> EEEEEEEEmmmmmmmmeeeeeeerrrrrrrggggggggiiiiiiinnnn</a> <a title="Best's Review - July 2015 Edition page 48" href="http://viewer.zmags.com/publication/3e10faa8?page=48"> Emerging Risk: Electric Grid “This isn't </a> <a title="Best's Review - 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