<br />
Brighthouse Financial Auto Insurers A.M. Best Rankings: ISSUES & ANSWERS:<br />
Sets Out on Its Own In Focus Top Auto Writers Specialty Coverage<br />
Page 28 Pages 33-55 Page 48 Pages 21-27<br />
/CTOBERs6OLUMEs)SSUE WWWBESTREVIEWCOM<br />
A.M. BEST'S MONTHLY INSURANCE MAGAZINE<br />
THINK<br />
AGAIN<br />
Artificial intelligence is generating<br />
excitement, fear and hype as<br />
insurers explore how to put<br />
it to work while employees<br />
wonder whether they will<br />
soon be replaced by<br />
<a title="Best's Review - October 2017 Edition page 1" href="http://viewer.zmags.com/publication/49400022?page=1"> Brighthouse Financial Auto In</a>
<a title="Best's Review - October 2017 Edition page 2" href="http://viewer.zmags.com/publication/49400022?page=2"> Death. Taxes. The Dedicated Financial Trust. </a>
<a title="Best's Review - October 2017 Edition page 3" href="http://viewer.zmags.com/publication/49400022?page=3"> From the Editor's Desk Thinking Machines T</a>
<a title="Best's Review - October 2017 Edition page 4" href="http://viewer.zmags.com/publication/49400022?page=4"> Contents ARTIFICIAL INTELLIGENCE 63-84 In this s</a>
<a title="Best's Review - October 2017 Edition page 5" href="http://viewer.zmags.com/publication/49400022?page=5"> Your resolve Our resources They can </a>
<a title="Best's Review - October 2017 Edition page 6" href="http://viewer.zmags.com/publication/49400022?page=6"> Contents AUTO INSURANCE 33-55 In this section, B</a>
<a title="Best's Review - October 2017 Edition page 7" href="http://viewer.zmags.com/publication/49400022?page=7"> Reinsurance captives formed by life insurance com</a>
<a title="Best's Review - October 2017 Edition page 8" href="http://viewer.zmags.com/publication/49400022?page=8"> Best's Review Interactive @ www.bestreview.com C</a>
<a title="Best's Review - October 2017 Edition page 9" href="http://viewer.zmags.com/publication/49400022?page=9"> ® JLT's Flandro: Reinsurance Sector Still</a>
<a title="Best's Review - October 2017 Edition page 10" href="http://viewer.zmags.com/publication/49400022?page=10"> Executive Changes Department Distribution </a>
<a title="Best's Review - October 2017 Edition page 11" href="http://viewer.zmags.com/publication/49400022?page=11"> Your brain loves working with ICRFS™, becau</a>
<a title="Best's Review - October 2017 Edition page 12" href="http://viewer.zmags.com/publication/49400022?page=12"> Department Henn as its first president of U.S. o</a>
<a title="Best's Review - October 2017 Edition page 13" href="http://viewer.zmags.com/publication/49400022?page=13"> Insurance Marketing Top Honors KANSAS CITY </a>
<a title="Best's Review - October 2017 Edition page 14" href="http://viewer.zmags.com/publication/49400022?page=14"> What Readers Say/Best's Calendar Department Ano</a>
<a title="Best's Review - October 2017 Edition page 15" href="http://viewer.zmags.com/publication/49400022?page=15"> A Global Conversation Views on Artificial Intell</a>
<a title="Best's Review - October 2017 Edition page 16" href="http://viewer.zmags.com/publication/49400022?page=16"> Next Wave Department Managing the A </a>
<a title="Best's Review - October 2017 Edition page 17" href="http://viewer.zmags.com/publication/49400022?page=17"> · 6,530 member agents signed since 198</a>
<a title="Best's Review - October 2017 Edition page 18" href="http://viewer.zmags.com/publication/49400022?page=18"> Spotlight on Workers' Compensation Illinois Gove</a>
<a title="Best's Review - October 2017 Edition page 19" href="http://viewer.zmags.com/publication/49400022?page=19"> At Large Hold on a Minute Insight Taking a mea</a>
<a title="Best's Review - October 2017 Edition page 20" href="http://viewer.zmags.com/publication/49400022?page=20"> Risk Adviser Insight Driving in Reverse Distrac</a>
<a title="Best's Review - October 2017 Edition page 21" href="http://viewer.zmags.com/publication/49400022?page=21"> Technology Weather Alert Insight Geospatial in</a>
<a title="Best's Review - October 2017 Edition page 22" href="http://viewer.zmags.com/publication/49400022?page=22"> Regulatory/Law Insight Bad Big Data The continu</a>
<a title="Best's Review - October 2017 Edition page 23" href="http://viewer.zmags.com/publication/49400022?page=23"> Special Advertising Section ISSUES & ANSWERS: </a>
<a title="Best's Review - October 2017 Edition page 24" href="http://viewer.zmags.com/publication/49400022?page=24"> IN THE WEEDS? WSIA members take the guessing out </a>
<a title="Best's Review - October 2017 Edition page 25" href="http://viewer.zmags.com/publication/49400022?page=25"> SPECIAL ADVERTISING SECTION Issues &</a>
<a title="Best's Review - October 2017 Edition page 26" href="http://viewer.zmags.com/publication/49400022?page=26"> If you can think it, we'll think of a way to insu</a>
<a title="Best's Review - October 2017 Edition page 27" href="http://viewer.zmags.com/publication/49400022?page=27"> SPECIAL ADVERTISING SECTION Issues &</a>
<a title="Best's Review - October 2017 Edition page 28" href="http://viewer.zmags.com/publication/49400022?page=28"> Excess and Surplus Lines Insurance A.M.Best A++ R</a>
<a title="Best's Review - October 2017 Edition page 29" href="http://viewer.zmags.com/publication/49400022?page=29"> SPECIAL ADVERTISING SECTION Issues &</a>
<a title="Best's Review - October 2017 Edition page 30" href="http://viewer.zmags.com/publication/49400022?page=30"> Life Insurance A GARGANTUAN Plan Photo courtes</a>
<a title="Best's Review - October 2017 Edition page 31" href="http://viewer.zmags.com/publication/49400022?page=31"> Key Points Now What?: Brighthouse Financial aims</a>
<a title="Best's Review - October 2017 Edition page 32" href="http://viewer.zmags.com/publication/49400022?page=32"> Life Insurance financial solutions carrier in bo</a>
<a title="Best's Review - October 2017 Edition page 33" href="http://viewer.zmags.com/publication/49400022?page=33"> Street Journal twice during the week it debuted.A</a>
<a title="Best's Review - October 2017 Edition page 34" href="http://viewer.zmags.com/publication/49400022?page=34"> Life Insurance “[Brighthouse is] going to spend </a>
<a title="Best's Review - October 2017 Edition page 35" href="http://viewer.zmags.com/publication/49400022?page=35"> Special Section Sponsored By: Auto Insurance Dr</a>
<a title="Best's Review - October 2017 Edition page 36" href="http://viewer.zmags.com/publication/49400022?page=36"> Auto Insurance HITTING TRAFFIC Commercial auto i</a>
<a title="Best's Review - October 2017 Edition page 37" href="http://viewer.zmags.com/publication/49400022?page=37"> second-quarter earnings call in early August. He </a>
<a title="Best's Review - October 2017 Edition page 38" href="http://viewer.zmags.com/publication/49400022?page=38"> Auto Insurance [Progressive] has always been int</a>
<a title="Best's Review - October 2017 Edition page 39" href="http://viewer.zmags.com/publication/49400022?page=39"> improving preventive maintenance, you no longer e</a>
<a title="Best's Review - October 2017 Edition page 40" href="http://viewer.zmags.com/publication/49400022?page=40"> Advertisement Stepping Up to the Plate to Combat </a>
<a title="Best's Review - October 2017 Edition page 41" href="http://viewer.zmags.com/publication/49400022?page=41"> The Epidemic Hiding in Plain Sight COMMERCIAL USE</a>
<a title="Best's Review - October 2017 Edition page 42" href="http://viewer.zmags.com/publication/49400022?page=42"> Commercial Automobile Rate Change by Quarter 8.0</a>
<a title="Best's Review - October 2017 Edition page 43" href="http://viewer.zmags.com/publication/49400022?page=43"> </a>
<a title="Best's Review - October 2017 Edition page 44" href="http://viewer.zmags.com/publication/49400022?page=44"> Auto Insurance GOING DOWNHILL Higher auto repair</a>
<a title="Best's Review - October 2017 Edition page 45" href="http://viewer.zmags.com/publication/49400022?page=45"> Special Section Sponsored By: standard auto i</a>
<a title="Best's Review - October 2017 Edition page 46" href="http://viewer.zmags.com/publication/49400022?page=46"> Exhibit 1B U.S. Nonstandard Auto – Top Three Stat</a>
<a title="Best's Review - October 2017 Edition page 47" href="http://viewer.zmags.com/publication/49400022?page=47"> Special Section Sponsored By: Exhibit 3 U.S.</a>
<a title="Best's Review - October 2017 Edition page 48" href="http://viewer.zmags.com/publication/49400022?page=48"> Exhibit 5 U.S. Private Passenger Auto – Other Inc</a>
<a title="Best's Review - October 2017 Edition page 49" href="http://viewer.zmags.com/publication/49400022?page=49"> Special Section Sponsored By: Exhibit 7 U.S. </a>
<a title="Best's Review - October 2017 Edition page 50" href="http://viewer.zmags.com/publication/49400022?page=50"> Top 25 U.S. Total Auto Writers Ranked by 2016 dir</a>
<a title="Best's Review - October 2017 Edition page 51" href="http://viewer.zmags.com/publication/49400022?page=51"> Top 25 U.S. Auto Liability Writers Ranked by 2016</a>
<a title="Best's Review - October 2017 Edition page 52" href="http://viewer.zmags.com/publication/49400022?page=52"> Top 25 U.S. Auto Physical Damage Writers Ranked b</a>
<a title="Best's Review - October 2017 Edition page 53" href="http://viewer.zmags.com/publication/49400022?page=53"> Special Section Sponsored By: U.S. Total All </a>
<a title="Best's Review - October 2017 Edition page 54" href="http://viewer.zmags.com/publication/49400022?page=54"> U.S. Auto Liability - Top Writers by State, Canad</a>
<a title="Best's Review - October 2017 Edition page 55" href="http://viewer.zmags.com/publication/49400022?page=55"> Special Section Sponsored By: U.S. Auto Physi</a>
<a title="Best's Review - October 2017 Edition page 56" href="http://viewer.zmags.com/publication/49400022?page=56"> U.S. Private Passenger Auto - Top Writers by Stat</a>
<a title="Best's Review - October 2017 Edition page 57" href="http://viewer.zmags.com/publication/49400022?page=57"> Special Section Sponsored By: U.S. Commercial</a>
<a title="Best's Review - October 2017 Edition page 58" href="http://viewer.zmags.com/publication/49400022?page=58"> Hello. Do you speak insurance? </a>
<a title="Best's Review - October 2017 Edition page 59" href="http://viewer.zmags.com/publication/49400022?page=59"> Breaking With Tradition Asset Management Enterp</a>
<a title="Best's Review - October 2017 Edition page 60" href="http://viewer.zmags.com/publication/49400022?page=60"> Asset Management “The search for yield as a resp</a>
<a title="Best's Review - October 2017 Edition page 61" href="http://viewer.zmags.com/publication/49400022?page=61"> Know the Risks related to hundreds of businesses</a>
<a title="Best's Review - October 2017 Edition page 62" href="http://viewer.zmags.com/publication/49400022?page=62"> Asset Management You mentioned earlier that dram</a>
<a title="Best's Review - October 2017 Edition page 63" href="http://viewer.zmags.com/publication/49400022?page=63"> is captured in the four EDI steps.The flexibility</a>
<a title="Best's Review - October 2017 Edition page 64" href="http://viewer.zmags.com/publication/49400022?page=64"> Strategic Insight Powered by A.M. Best </a>
<a title="Best's Review - October 2017 Edition page 65" href="http://viewer.zmags.com/publication/49400022?page=65"> AAAArrrrtttttiiiiffffiiiiccciiiaaaaaallllll IIIII</a>
<a title="Best's Review - October 2017 Edition page 66" href="http://viewer.zmags.com/publication/49400022?page=66"> Artificial Intelligence 64 BEST'S</a>
<a title="Best's Review - October 2017 Edition page 67" href="http://viewer.zmags.com/publication/49400022?page=67"> THINK AGAIN Artificial intelligence is being call</a>
<a title="Best's Review - October 2017 Edition page 68" href="http://viewer.zmags.com/publication/49400022?page=68"> Artificial Intelligence the consumer world, the </a>
<a title="Best's Review - October 2017 Edition page 69" href="http://viewer.zmags.com/publication/49400022?page=69"> “You'll be working alongside augmented machines, </a>
<a title="Best's Review - October 2017 Edition page 70" href="http://viewer.zmags.com/publication/49400022?page=70"> Artificial Intelligence “It's not that every ins</a>
<a title="Best's Review - October 2017 Edition page 71" href="http://viewer.zmags.com/publication/49400022?page=71"> DECODING Artificial Intelligence Artificial Inte</a>
<a title="Best's Review - October 2017 Edition page 72" href="http://viewer.zmags.com/publication/49400022?page=72"> Artificial Intelligence At the Trailhead For in</a>
<a title="Best's Review - October 2017 Edition page 73" href="http://viewer.zmags.com/publication/49400022?page=73"> “Companies are struggling with where to start. It</a>
<a title="Best's Review - October 2017 Edition page 74" href="http://viewer.zmags.com/publication/49400022?page=74"> Artificial Intelligence “We're running through s</a>
<a title="Best's Review - October 2017 Edition page 75" href="http://viewer.zmags.com/publication/49400022?page=75"> immediately gives back an answer, saying,`This </a>
<a title="Best's Review - October 2017 Edition page 76" href="http://viewer.zmags.com/publication/49400022?page=76"> Artificial Intelligence Raising the Risk Level </a>
<a title="Best's Review - October 2017 Edition page 77" href="http://viewer.zmags.com/publication/49400022?page=77"> Artificial Intelligence by as much as 60% by 204</a>
<a title="Best's Review - October 2017 Edition page 78" href="http://viewer.zmags.com/publication/49400022?page=78"> Artificial Intelligence AI opens the door to mor</a>
<a title="Best's Review - October 2017 Edition page 79" href="http://viewer.zmags.com/publication/49400022?page=79"> “What happens when [human] drivers are replaced b</a>
<a title="Best's Review - October 2017 Edition page 80" href="http://viewer.zmags.com/publication/49400022?page=80"> Artificial Intelligence This isn't the first tim</a>
<a title="Best's Review - October 2017 Edition page 81" href="http://viewer.zmags.com/publication/49400022?page=81"> Plug into Best's State Rate Filings® </a>
<a title="Best's Review - October 2017 Edition page 82" href="http://viewer.zmags.com/publication/49400022?page=82"> Artificial Intelligence 80 INVESTING IN THE FUT</a>
<a title="Best's Review - October 2017 Edition page 83" href="http://viewer.zmags.com/publication/49400022?page=83"> BEST'S REV)%7s/#4/"%2 81</a>
<a title="Best's Review - October 2017 Edition page 84" href="http://viewer.zmags.com/publication/49400022?page=84"> Artificial Intelligence 82 Backing insurtech st</a>
<a title="Best's Review - October 2017 Edition page 85" href="http://viewer.zmags.com/publication/49400022?page=85"> Automated tools also allow startups to effectivel</a>
<a title="Best's Review - October 2017 Edition page 86" href="http://viewer.zmags.com/publication/49400022?page=86"> Artificial Intelligence 84 What many startups a</a>
<a title="Best's Review - October 2017 Edition page 87" href="http://viewer.zmags.com/publication/49400022?page=87"> What A.M. Best Says Best's Special Report Looks</a>
<a title="Best's Review - October 2017 Edition page 88" href="http://viewer.zmags.com/publication/49400022?page=88"> Department deterioration emanating from other cl</a>
<a title="Best's Review - October 2017 Edition page 89" href="http://viewer.zmags.com/publication/49400022?page=89"> Best's Credit Rating Actions T hiseditionlistsal</a>
<a title="Best's Review - October 2017 Edition page 90" href="http://viewer.zmags.com/publication/49400022?page=90"> Keep Up To Date in Today's Ever-Changing </a>
<a title="Best's Review - October 2017 Edition page 91" href="http://viewer.zmags.com/publication/49400022?page=91"> Rating Action Business Type Company Name/ Ultim</a>
<a title="Best's Review - October 2017 Edition page 92" href="http://viewer.zmags.com/publication/49400022?page=92"> Rating Action Business Type Company Name/ Ultim</a>
<a title="Best's Review - October 2017 Edition page 93" href="http://viewer.zmags.com/publication/49400022?page=93"> Rating Action Business Type Company Name/ Ultim</a>
<a title="Best's Review - October 2017 Edition page 94" href="http://viewer.zmags.com/publication/49400022?page=94"> BEST'S FINANCIAL STRENGTH RATING GUIDE – (FSR) A </a>
<a title="Best's Review - October 2017 Edition page 95" href="http://viewer.zmags.com/publication/49400022?page=95"> BEST'S ISSUER CREDIT RATING GUIDE – (ICR) A Best'</a>
<a title="Best's Review - October 2017 Edition page 96" href="http://viewer.zmags.com/publication/49400022?page=96"> Industry Updates Best's Insurance Professionals </a>
<a title="Best's Review - October 2017 Edition page 97" href="http://viewer.zmags.com/publication/49400022?page=97"> Share your knowledge with our 58,000-p</a>
<a title="Best's Review - October 2017 Edition page 98" href="http://viewer.zmags.com/publication/49400022?page=98"> The Last Word Department Into the Wild Attorney</a>
<a title="Best's Review - October 2017 Edition page 99" href="http://viewer.zmags.com/publication/49400022?page=99"> We believe every customer deserves person-to-pers</a>
<a title="Best's Review - October 2017 Edition page 100" href="http://viewer.zmags.com/publication/49400022?page=100"> Expect big things in workers' compensation. Most </a>