<br /> Top Audit Genomics Advances 2019 Trade ISSUES & ANSWERS:<br /> And Actuarial Firms Pressure Life Insurers Show Calendar Accounting & Actuarial Services<br /> Page 24 Page 32 Page 64 Pages 27-31<br /> *ANUARYs6OLUMEs)SSUE WWWBESTREVIEWCOM<br /> AM BEST'S MONTHLY INSURANCE MAGAZINE<br /> Rallying<br /> Cry<br /> Collaboration and partnerships<br /> with insurtechs will be critical<br /> to future success, as Munich Re's<br /> Anthony Kuczinski pointed<br /> out in his keynote speech at<br /> InsureTech Connect.<br /> Pages 39-63<br /> We believe every customer deserves person-to-person support.<br /> That<a title="BR_January_2019-zmags page 1" href="http://viewer.zmags.com/publication/4a25b1e9?page=1"> Top Audit Genomics</a> <a title="BR_January_2019-zmags page 2" href="http://viewer.zmags.com/publication/4a25b1e9?page=2"> We believe every customer deserves person-to-pers</a> <a title="BR_January_2019-zmags page 3" href="http://viewer.zmags.com/publication/4a25b1e9?page=3"> A New Tomorrow From the Editor's Desk: Insurers </a> <a title="BR_January_2019-zmags page 4" href="http://viewer.zmags.com/publication/4a25b1e9?page=4"> INSURTECH Contents </a> <a title="BR_January_2019-zmags page 5" href="http://viewer.zmags.com/publication/4a25b1e9?page=5"> </a> <a title="BR_January_2019-zmags page 6" href="http://viewer.zmags.com/publication/4a25b1e9?page=6"> Contents 32 The Time is Now 64 Trade Shows/Confe</a> <a title="BR_January_2019-zmags page 7" href="http://viewer.zmags.com/publication/4a25b1e9?page=7"> SOS Is your C-Suite getting the strategic support</a> <a title="BR_January_2019-zmags page 8" href="http://viewer.zmags.com/publication/4a25b1e9?page=8"> A Sharing Economy AM Best Webinars AM Best's we</a> <a title="BR_January_2019-zmags page 9" href="http://viewer.zmags.com/publication/4a25b1e9?page=9"> Wildfires, Wearables and Brexit AMBestTV reports </a> <a title="BR_January_2019-zmags page 10" href="http://viewer.zmags.com/publication/4a25b1e9?page=10"> IUA's Newman: Electronic Risk Placements Running </a> <a title="BR_January_2019-zmags page 11" href="http://viewer.zmags.com/publication/4a25b1e9?page=11"> Marsh & McLennan Cos.' President and CEO Glaser T</a> <a title="BR_January_2019-zmags page 12" href="http://viewer.zmags.com/publication/4a25b1e9?page=12"> NAIC Taps Maine Regulator for Top Spot Executive</a> <a title="BR_January_2019-zmags page 13" href="http://viewer.zmags.com/publication/4a25b1e9?page=13"> China Life Names New Chairman C hina Life Insura</a> <a title="BR_January_2019-zmags page 14" href="http://viewer.zmags.com/publication/4a25b1e9?page=14"> Executive Changes Oklahoma insurance commissione</a> <a title="BR_January_2019-zmags page 15" href="http://viewer.zmags.com/publication/4a25b1e9?page=15"> Revving Up a Rebrand Foremost Insurance rebrands </a> <a title="BR_January_2019-zmags page 16" href="http://viewer.zmags.com/publication/4a25b1e9?page=16"> A Global Conversation “ T here are a lot of </a> <a title="BR_January_2019-zmags page 17" href="http://viewer.zmags.com/publication/4a25b1e9?page=17"> costs, what would be the insurance product or ins</a> <a title="BR_January_2019-zmags page 18" href="http://viewer.zmags.com/publication/4a25b1e9?page=18"> Get S.M.A.R.T. The Next Wave A </a> <a title="BR_January_2019-zmags page 19" href="http://viewer.zmags.com/publication/4a25b1e9?page=19"> Success of UK Whiplash Bill Brings Relief, Insure</a> <a title="BR_January_2019-zmags page 20" href="http://viewer.zmags.com/publication/4a25b1e9?page=20"> Regulatory Update In the News calculation based</a> <a title="BR_January_2019-zmags page 21" href="http://viewer.zmags.com/publication/4a25b1e9?page=21"> Axa XL Forgoes Premiums In Climate Sustainability</a> <a title="BR_January_2019-zmags page 22" href="http://viewer.zmags.com/publication/4a25b1e9?page=22"> Trump and Twitter At Large The president's twee</a> <a title="BR_January_2019-zmags page 23" href="http://viewer.zmags.com/publication/4a25b1e9?page=23"> No Smoking, Please Life insurers may be tempted t</a> <a title="BR_January_2019-zmags page 24" href="http://viewer.zmags.com/publication/4a25b1e9?page=24"> Technology Measuring Metrics Taking the long vie</a> <a title="BR_January_2019-zmags page 25" href="http://viewer.zmags.com/publication/4a25b1e9?page=25"> Seeing Signals Dialogue and cooperation are neces</a> <a title="BR_January_2019-zmags page 26" href="http://viewer.zmags.com/publication/4a25b1e9?page=26"> Top Audit and Actuarial Firms Best's Rankings R</a> <a title="BR_January_2019-zmags page 27" href="http://viewer.zmags.com/publication/4a25b1e9?page=27"> Actuaries – Property/Casualty (US$ 000) </a> <a title="BR_January_2019-zmags page 28" href="http://viewer.zmags.com/publication/4a25b1e9?page=28"> Auditors - Life (US$ 000) </a> <a title="BR_January_2019-zmags page 29" href="http://viewer.zmags.com/publication/4a25b1e9?page=29"> Special Advertising Section ISSUES & ANSWERS: </a> <a title="BR_January_2019-zmags page 30" href="http://viewer.zmags.com/publication/4a25b1e9?page=30"> 0RUHLQVXUHUVDUHHPEUDFLQJ,QVXU7HFKWRGHOLYHUEHWWHUF</a> <a title="BR_January_2019-zmags page 31" href="http://viewer.zmags.com/publication/4a25b1e9?page=31"> SPECIAL ADVERTISING SECTION ssues &</a> <a title="BR_January_2019-zmags page 32" href="http://viewer.zmags.com/publication/4a25b1e9?page=32"> STATUS QUO REMINISCES. Status Go™ RE-</a> <a title="BR_January_2019-zmags page 33" href="http://viewer.zmags.com/publication/4a25b1e9?page=33"> SPECIAL ADVERTISING SECTION ssues &</a> <a title="BR_January_2019-zmags page 34" href="http://viewer.zmags.com/publication/4a25b1e9?page=34"> Life Insurance The Time Is Now The life industry</a> <a title="BR_January_2019-zmags page 35" href="http://viewer.zmags.com/publication/4a25b1e9?page=35"> pharmacogenomics, genome editing and cancer treat</a> <a title="BR_January_2019-zmags page 36" href="http://viewer.zmags.com/publication/4a25b1e9?page=36"> Life Insurance “We really have to look forward. </a> <a title="BR_January_2019-zmags page 37" href="http://viewer.zmags.com/publication/4a25b1e9?page=37"> What's the Score? It Just Might Be Polygenic Risk</a> <a title="BR_January_2019-zmags page 38" href="http://viewer.zmags.com/publication/4a25b1e9?page=38"> Life Insurance “The time is now. In other words,</a> <a title="BR_January_2019-zmags page 39" href="http://viewer.zmags.com/publication/4a25b1e9?page=39"> themselves against the mounting threat of asymmet</a> <a title="BR_January_2019-zmags page 40" href="http://viewer.zmags.com/publication/4a25b1e9?page=40"> Get the Best Perspective on Financial Strength T</a> <a title="BR_January_2019-zmags page 41" href="http://viewer.zmags.com/publication/4a25b1e9?page=41"> 40 45 </a> <a title="BR_January_2019-zmags page 42" href="http://viewer.zmags.com/publication/4a25b1e9?page=42"> Insurtech: Partnerships Rallying Cry Photo cou</a> <a title="BR_January_2019-zmags page 43" href="http://viewer.zmags.com/publication/4a25b1e9?page=43"> Key Points Friend Not Foe: Rather than view insu</a> <a title="BR_January_2019-zmags page 44" href="http://viewer.zmags.com/publication/4a25b1e9?page=44"> Insurtech: Partnerships “Insurance companies hav</a> <a title="BR_January_2019-zmags page 45" href="http://viewer.zmags.com/publication/4a25b1e9?page=45"> “Rather than a question of us vs. them, it's a qu</a> <a title="BR_January_2019-zmags page 46" href="http://viewer.zmags.com/publication/4a25b1e9?page=46"> between the insurance company and the insurtech; </a> <a title="BR_January_2019-zmags page 47" href="http://viewer.zmags.com/publication/4a25b1e9?page=47"> Insurtech: Investing Proof of Concept Later-stag</a> <a title="BR_January_2019-zmags page 48" href="http://viewer.zmags.com/publication/4a25b1e9?page=48"> Insurtech: Investing 743 insurtech startups laun</a> <a title="BR_January_2019-zmags page 49" href="http://viewer.zmags.com/publication/4a25b1e9?page=49"> “The seed-stage round is just testing. It's resea</a> <a title="BR_January_2019-zmags page 50" href="http://viewer.zmags.com/publication/4a25b1e9?page=50"> Insurtech: Blockchain “Not only can blockchain l</a> <a title="BR_January_2019-zmags page 51" href="http://viewer.zmags.com/publication/4a25b1e9?page=51"> insurance value chain, said Patrick Schmid, vice </a> <a title="BR_January_2019-zmags page 52" href="http://viewer.zmags.com/publication/4a25b1e9?page=52"> Insurtech: Blockchain industry and use the techn</a> <a title="BR_January_2019-zmags page 53" href="http://viewer.zmags.com/publication/4a25b1e9?page=53"> out a user journey to set use case requirements, </a> <a title="BR_January_2019-zmags page 54" href="http://viewer.zmags.com/publication/4a25b1e9?page=54"> Insurtech: Blockchain technology for the insuran</a> <a title="BR_January_2019-zmags page 55" href="http://viewer.zmags.com/publication/4a25b1e9?page=55"> How does your capitalization stack up? Best</a> <a title="BR_January_2019-zmags page 56" href="http://viewer.zmags.com/publication/4a25b1e9?page=56"> Insurtech: MassMutual Ventures Covering All the </a> <a title="BR_January_2019-zmags page 57" href="http://viewer.zmags.com/publication/4a25b1e9?page=57"> MassMutual Ventures' managing director Doug Russe</a> <a title="BR_January_2019-zmags page 58" href="http://viewer.zmags.com/publication/4a25b1e9?page=58"> Insurtech: MassMutual Ventures build a global pl</a> <a title="BR_January_2019-zmags page 59" href="http://viewer.zmags.com/publication/4a25b1e9?page=59"> Do you have a preference for any particular stage</a> <a title="BR_January_2019-zmags page 60" href="http://viewer.zmags.com/publication/4a25b1e9?page=60"> Insurtech: Lemonade A Different Approach Lemonad</a> <a title="BR_January_2019-zmags page 61" href="http://viewer.zmags.com/publication/4a25b1e9?page=61"> “If I can increase the level of trust— it doesn't</a> <a title="BR_January_2019-zmags page 62" href="http://viewer.zmags.com/publication/4a25b1e9?page=62"> Insurtech: Lemonade a good apple, and you put th</a> <a title="BR_January_2019-zmags page 63" href="http://viewer.zmags.com/publication/4a25b1e9?page=63"> “We are basically tying our hands [by taking a fl</a> <a title="BR_January_2019-zmags page 64" href="http://viewer.zmags.com/publication/4a25b1e9?page=64"> Insurtech: Priorities Setting Tech Priorities M</a> <a title="BR_January_2019-zmags page 65" href="http://viewer.zmags.com/publication/4a25b1e9?page=65"> “Our insurance carriers have been in business for</a> <a title="BR_January_2019-zmags page 66" href="http://viewer.zmags.com/publication/4a25b1e9?page=66"> Trade Shows Trade Shows/ Conferences T </a> <a title="BR_January_2019-zmags page 67" href="http://viewer.zmags.com/publication/4a25b1e9?page=67"> BEST'S INSURANCE NEWS & ANALYSIS The Right News, </a> <a title="BR_January_2019-zmags page 68" href="http://viewer.zmags.com/publication/4a25b1e9?page=68"> Trade Shows/Conferences AGENTS AND BROKERS Event</a> <a title="BR_January_2019-zmags page 69" href="http://viewer.zmags.com/publication/4a25b1e9?page=69"> Trade Shows/Conferences (cont'd) LIFE/HEALTH Eve</a> <a title="BR_January_2019-zmags page 70" href="http://viewer.zmags.com/publication/4a25b1e9?page=70"> Trade Shows/Conferences (cont'd) WORKERS' COMPEN</a> <a title="BR_January_2019-zmags page 71" href="http://viewer.zmags.com/publication/4a25b1e9?page=71"> Asbestos and Environmental Losses Continue Best</a> <a title="BR_January_2019-zmags page 72" href="http://viewer.zmags.com/publication/4a25b1e9?page=72"> ([KLELW 86$VEHVWRV (QYLURQPHQWDO±.H\6WDWLVWLFV 5</a> <a title="BR_January_2019-zmags page 73" href="http://viewer.zmags.com/publication/4a25b1e9?page=73"> Best's Credit Rating Actions T his</a> <a title="BR_January_2019-zmags page 74" href="http://viewer.zmags.com/publication/4a25b1e9?page=74"> Rating Action Business Type Company Name/ Ultim</a> <a title="BR_January_2019-zmags page 75" href="http://viewer.zmags.com/publication/4a25b1e9?page=75"> Rating Action Business Type Company Name/ Ultim</a> <a title="BR_January_2019-zmags page 76" href="http://viewer.zmags.com/publication/4a25b1e9?page=76"> BEST'S FINANCIAL STRENGTH RATING GUIDE – (FSR) R</a> <a title="BR_January_2019-zmags page 77" href="http://viewer.zmags.com/publication/4a25b1e9?page=77"> BEST'S ISSUER CREDIT RATING GUIDE – (ICR) A Best'</a> <a title="BR_January_2019-zmags page 78" href="http://viewer.zmags.com/publication/4a25b1e9?page=78"> The Right Fit Industry Updates C </a> <a title="BR_January_2019-zmags page 79" href="http://viewer.zmags.com/publication/4a25b1e9?page=79"> Motion Denied Appeals court blocks American Home</a> <a title="BR_January_2019-zmags page 80" href="http://viewer.zmags.com/publication/4a25b1e9?page=80"> Lower Expectations Industry Updates F u</a> <a title="BR_January_2019-zmags page 81" href="http://viewer.zmags.com/publication/4a25b1e9?page=81"> Connect with AM Best On Twitter @AMBestCo @A</a> <a title="BR_January_2019-zmags page 82" href="http://viewer.zmags.com/publication/4a25b1e9?page=82"> The Last Word Go to the Dogs Insurance organizat</a> <a title="BR_January_2019-zmags page 83" href="http://viewer.zmags.com/publication/4a25b1e9?page=83"> </a> <a title="BR_January_2019-zmags page 84" href="http://viewer.zmags.com/publication/4a25b1e9?page=84"> Expect big things in workers' compensation. Most </a>