<br /> Asset Management Life Reinsurers Homeowners Issues & Answers:<br /> Outlook for 2017 Form in Bermuda Insurance Package Insurance Technology<br /> Page 38 Page 44 Pages 50-60 Pages 23-37<br /> www.bestreview.com November 2016<br /> A.M. BEST'S MONTHLY INSURANCE MAGAZINE<br /> BLOCKCHAIN<br /> REACTION<br /> Blockchain technology is poised to remake insurance transactions,<br /> with surprising impacts. Pages 61-85<br /> Death.<br /> Taxe<a title="Best's Review - November 2016 Edition page 1" href="http://viewer.zmags.com/publication/4edaf3ad?page=1"> Asset Management </a> <a title="Best's Review - November 2016 Edition page 2" href="http://viewer.zmags.com/publication/4edaf3ad?page=2"> Death. Taxes. The Dedicated Financial Trust. </a> <a title="Best's Review - November 2016 Edition page 3" href="http://viewer.zmags.com/publication/4edaf3ad?page=3"> From the Editor's Desk Under Construction </a> <a title="Best's Review - November 2016 Edition page 4" href="http://viewer.zmags.com/publication/4edaf3ad?page=4"> Contents INFRASTRUCTURE 75 62 78 68 </a> <a title="Best's Review - November 2016 Edition page 5" href="http://viewer.zmags.com/publication/4edaf3ad?page=5"> Stadtbibliothek Stuttgart / Architekt: Eun Young </a> <a title="Best's Review - November 2016 Edition page 6" href="http://viewer.zmags.com/publication/4edaf3ad?page=6"> HOMEOWNERS INSURANCE Contents The Tech Effec</a> <a title="Best's Review - November 2016 Edition page 7" href="http://viewer.zmags.com/publication/4edaf3ad?page=7"> </a> <a title="Best's Review - November 2016 Edition page 8" href="http://viewer.zmags.com/publication/4edaf3ad?page=8"> Interactive Content What Insurance Professionals</a> <a title="Best's Review - November 2016 Edition page 9" href="http://viewer.zmags.com/publication/4edaf3ad?page=9"> ® BHSI's Bresnahan: Developing a Culture</a> <a title="Best's Review - November 2016 Edition page 10" href="http://viewer.zmags.com/publication/4edaf3ad?page=10"> Executive Changes Executive Changes Distributio</a> <a title="Best's Review - November 2016 Edition page 11" href="http://viewer.zmags.com/publication/4edaf3ad?page=11"> of the energy lines group, succeeding Alan J. Mag</a> <a title="Best's Review - November 2016 Edition page 12" href="http://viewer.zmags.com/publication/4edaf3ad?page=12"> Life Lessons Insurance Marketing Professi</a> <a title="Best's Review - November 2016 Edition page 13" href="http://viewer.zmags.com/publication/4edaf3ad?page=13"> GO WITH who you TRUST With direct carriers and th</a> <a title="Best's Review - November 2016 Edition page 14" href="http://viewer.zmags.com/publication/4edaf3ad?page=14"> Best's Calendar: Trade Shows/Conferences Nov. 1 –</a> <a title="Best's Review - November 2016 Edition page 15" href="http://viewer.zmags.com/publication/4edaf3ad?page=15"> Next Wave An Industry of Choice Next Wave A </a> <a title="Best's Review - November 2016 Edition page 16" href="http://viewer.zmags.com/publication/4edaf3ad?page=16"> A Global Conversation About Perspectives Blockc</a> <a title="Best's Review - November 2016 Edition page 17" href="http://viewer.zmags.com/publication/4edaf3ad?page=17"> Spotlight on Workers' Compensation DOL Report Su</a> <a title="Best's Review - November 2016 Edition page 18" href="http://viewer.zmags.com/publication/4edaf3ad?page=18"> Spotlight on Commercial Lines Spotlight “Mutual</a> <a title="Best's Review - November 2016 Edition page 19" href="http://viewer.zmags.com/publication/4edaf3ad?page=19"> Spotlight on Specialty Lines Chemical Safety Law</a> <a title="Best's Review - November 2016 Edition page 20" href="http://viewer.zmags.com/publication/4edaf3ad?page=20"> Insight At Large Effectiveness In the Margins </a> <a title="Best's Review - November 2016 Edition page 21" href="http://viewer.zmags.com/publication/4edaf3ad?page=21"> Insight Vital Signs Risk Adviser Rapidly cha</a> <a title="Best's Review - November 2016 Edition page 22" href="http://viewer.zmags.com/publication/4edaf3ad?page=22"> Insight Technology Making the Move Insurers are</a> <a title="Best's Review - November 2016 Edition page 23" href="http://viewer.zmags.com/publication/4edaf3ad?page=23"> Insight A Lesson in Cyber Regulatory/Law Aca</a> <a title="Best's Review - November 2016 Edition page 24" href="http://viewer.zmags.com/publication/4edaf3ad?page=24"> Insight Asset Management Choosing Managers Ins</a> <a title="Best's Review - November 2016 Edition page 25" href="http://viewer.zmags.com/publication/4edaf3ad?page=25"> Special Advertising Section ISSUES & ANSWERS: I</a> <a title="Best's Review - November 2016 Edition page 26" href="http://viewer.zmags.com/publication/4edaf3ad?page=26"> Management & Professional Liability You </a> <a title="Best's Review - November 2016 Edition page 27" href="http://viewer.zmags.com/publication/4edaf3ad?page=27"> Special Advertising Section Issues & Answers C</a> <a title="Best's Review - November 2016 Edition page 28" href="http://viewer.zmags.com/publication/4edaf3ad?page=28"> VISION ACTION SCOR LAUNCHES ITS N</a> <a title="Best's Review - November 2016 Edition page 29" href="http://viewer.zmags.com/publication/4edaf3ad?page=29"> Special Advertising Section Issues & Answers A</a> <a title="Best's Review - November 2016 Edition page 30" href="http://viewer.zmags.com/publication/4edaf3ad?page=30"> Haven't we met before? Yes! Allow us to re-int</a> <a title="Best's Review - November 2016 Edition page 31" href="http://viewer.zmags.com/publication/4edaf3ad?page=31"> Special Advertising Section Issues & Answers O</a> <a title="Best's Review - November 2016 Edition page 32" href="http://viewer.zmags.com/publication/4edaf3ad?page=32"> Liars Lie. You'll Find Out at Claim. ! $ % " </a> <a title="Best's Review - November 2016 Edition page 33" href="http://viewer.zmags.com/publication/4edaf3ad?page=33"> Special Advertising Section Issues & Answers V</a> <a title="Best's Review - November 2016 Edition page 34" href="http://viewer.zmags.com/publication/4edaf3ad?page=34"> Exceptional Partnerships. Extraordinary Solution</a> <a title="Best's Review - November 2016 Edition page 35" href="http://viewer.zmags.com/publication/4edaf3ad?page=35"> Special Advertising Section Issues & Answers P</a> <a title="Best's Review - November 2016 Edition page 36" href="http://viewer.zmags.com/publication/4edaf3ad?page=36"> </a> <a title="Best's Review - November 2016 Edition page 37" href="http://viewer.zmags.com/publication/4edaf3ad?page=37"> Special Advertising Section Issues & Answers F</a> <a title="Best's Review - November 2016 Edition page 38" href="http://viewer.zmags.com/publication/4edaf3ad?page=38"> CONFUSED ABOUT CYBER LIABILITY COVERAGE? WE KNOW</a> <a title="Best's Review - November 2016 Edition page 39" href="http://viewer.zmags.com/publication/4edaf3ad?page=39"> Special Advertising Section Issues & Answers S</a> <a title="Best's Review - November 2016 Edition page 40" href="http://viewer.zmags.com/publication/4edaf3ad?page=40"> Asset Management Point of Low Return Rather than</a> <a title="Best's Review - November 2016 Edition page 41" href="http://viewer.zmags.com/publication/4edaf3ad?page=41"> A Cautious Fed The Federal Reserve bumped up</a> <a title="Best's Review - November 2016 Edition page 42" href="http://viewer.zmags.com/publication/4edaf3ad?page=42"> Asset Management Fed has only once raised its Fe</a> <a title="Best's Review - November 2016 Edition page 43" href="http://viewer.zmags.com/publication/4edaf3ad?page=43"> the latter offering returns nearing 4% and high c</a> <a title="Best's Review - November 2016 Edition page 44" href="http://viewer.zmags.com/publication/4edaf3ad?page=44"> Asset Management generally, investors are curren</a> <a title="Best's Review - November 2016 Edition page 45" href="http://viewer.zmags.com/publication/4edaf3ad?page=45"> ADVERTISEMENT CONNversations Smart thinking from </a> <a title="Best's Review - November 2016 Edition page 46" href="http://viewer.zmags.com/publication/4edaf3ad?page=46"> Life Insurance Expanding Bermuda is emerging as </a> <a title="Best's Review - November 2016 Edition page 47" href="http://viewer.zmags.com/publication/4edaf3ad?page=47"> Life Insurance into Life fund redundant reserve </a> <a title="Best's Review - November 2016 Edition page 48" href="http://viewer.zmags.com/publication/4edaf3ad?page=48"> Perspectives What A.M. Best Says A recent Bes</a> <a title="Best's Review - November 2016 Edition page 49" href="http://viewer.zmags.com/publication/4edaf3ad?page=49"> Analytics Analyze This As they move to an analyt</a> <a title="Best's Review - November 2016 Edition page 50" href="http://viewer.zmags.com/publication/4edaf3ad?page=50"> Building an Effective Predictive Analytics Capabi</a> <a title="Best's Review - November 2016 Edition page 51" href="http://viewer.zmags.com/publication/4edaf3ad?page=51"> appropriate adjuster based on their experience an</a> <a title="Best's Review - November 2016 Edition page 52" href="http://viewer.zmags.com/publication/4edaf3ad?page=52"> Homeowners Insurance Key Points The Big Picture</a> <a title="Best's Review - November 2016 Edition page 53" href="http://viewer.zmags.com/publication/4edaf3ad?page=53"> SPECIAL SECTION SPONSORED BY: </a> <a title="Best's Review - November 2016 Edition page 54" href="http://viewer.zmags.com/publication/4edaf3ad?page=54"> Warranties are costly. Our $50 whole-house covera</a> <a title="Best's Review - November 2016 Edition page 55" href="http://viewer.zmags.com/publication/4edaf3ad?page=55"> </a> <a title="Best's Review - November 2016 Edition page 56" href="http://viewer.zmags.com/publication/4edaf3ad?page=56"> Homeowners Insurance (Continued from page 51) </a> <a title="Best's Review - November 2016 Edition page 57" href="http://viewer.zmags.com/publication/4edaf3ad?page=57"> Given that many more insurers are now using </a> <a title="Best's Review - November 2016 Edition page 58" href="http://viewer.zmags.com/publication/4edaf3ad?page=58"> Homeowners Insurance that's been a thorn in the </a> <a title="Best's Review - November 2016 Edition page 59" href="http://viewer.zmags.com/publication/4edaf3ad?page=59"> U.S. Homeowners Multiple Peril - 2015 Top Writers</a> <a title="Best's Review - November 2016 Edition page 60" href="http://viewer.zmags.com/publication/4edaf3ad?page=60"> Homeowners Insurance U.S. Homeowners Multiple Pe</a> <a title="Best's Review - November 2016 Edition page 61" href="http://viewer.zmags.com/publication/4edaf3ad?page=61"> SPECIAL SECTION SPONSORED BY: Homeowners Insuran</a> <a title="Best's Review - November 2016 Edition page 62" href="http://viewer.zmags.com/publication/4edaf3ad?page=62"> Homeowners Insurance using standards rated Bronz</a> <a title="Best's Review - November 2016 Edition page 63" href="http://viewer.zmags.com/publication/4edaf3ad?page=63"> Feature CRITICAL INFRASTRUCTURE The nation depen</a> <a title="Best's Review - November 2016 Edition page 64" href="http://viewer.zmags.com/publication/4edaf3ad?page=64"> Feature BLOCK REA 62 BEST'S REV)%</a> <a title="Best's Review - November 2016 Edition page 65" href="http://viewer.zmags.com/publication/4edaf3ad?page=65"> CHAIN CTION Blockchain technology is poised to r</a> <a title="Best's Review - November 2016 Edition page 66" href="http://viewer.zmags.com/publication/4edaf3ad?page=66"> Feature Blockchain, which is the techno</a> <a title="Best's Review - November 2016 Edition page 67" href="http://viewer.zmags.com/publication/4edaf3ad?page=67"> rolling it out to realize value over time.” </a> <a title="Best's Review - November 2016 Edition page 68" href="http://viewer.zmags.com/publication/4edaf3ad?page=68"> Feature also will create an auditable trail, whe</a> <a title="Best's Review - November 2016 Edition page 69" href="http://viewer.zmags.com/publication/4edaf3ad?page=69"> Best’s Key Rating Guide ®, insurance agents’ most</a> <a title="Best's Review - November 2016 Edition page 70" href="http://viewer.zmags.com/publication/4edaf3ad?page=70"> Feature LOFT LEADER: Ace -OGHIMILEADS*OHN (ANCOC</a> <a title="Best's Review - November 2016 Edition page 71" href="http://viewer.zmags.com/publication/4edaf3ad?page=71"> LOFT-y Ambitions John Hancock's innovation lab is</a> <a title="Best's Review - November 2016 Edition page 72" href="http://viewer.zmags.com/publication/4edaf3ad?page=72"> Feature services industry.We want to disrupt </a> <a title="Best's Review - November 2016 Edition page 73" href="http://viewer.zmags.com/publication/4edaf3ad?page=73"> Be confident you have the property/casualty filing </a> <a title="Best's Review - November 2016 Edition page 74" href="http://viewer.zmags.com/publication/4edaf3ad?page=74"> Feature LAB LEADER: Fei Zhang, the head of block</a> <a title="Best's Review - November 2016 Edition page 75" href="http://viewer.zmags.com/publication/4edaf3ad?page=75"> Smart Swaps Allianz pilots blockchain-enabled sma</a> <a title="Best's Review - November 2016 Edition page 76" href="http://viewer.zmags.com/publication/4edaf3ad?page=76"> Feature about efficiency,” Richard Boyd, chief u</a> <a title="Best's Review - November 2016 Edition page 77" href="http://viewer.zmags.com/publication/4edaf3ad?page=77"> The FFeeaattuurree Fintech JOURNEY Financial te</a> <a title="Best's Review - November 2016 Edition page 78" href="http://viewer.zmags.com/publication/4edaf3ad?page=78"> Insurers should not overlook the opportunity to d</a> <a title="Best's Review - November 2016 Edition page 79" href="http://viewer.zmags.com/publication/4edaf3ad?page=79"> of the future, wherein fintech and/or robotic pro</a> <a title="Best's Review - November 2016 Edition page 80" href="http://viewer.zmags.com/publication/4edaf3ad?page=80"> Feature UNDER ATTACK: Hackers tied to the Irania</a> <a title="Best's Review - November 2016 Edition page 81" href="http://viewer.zmags.com/publication/4edaf3ad?page=81"> carriers, who have had to dig deeply </a> <a title="Best's Review - November 2016 Edition page 82" href="http://viewer.zmags.com/publication/4edaf3ad?page=82"> FAILING INFRASTRUCTURE: Flint, Michigan was place</a> <a title="Best's Review - November 2016 Edition page 83" href="http://viewer.zmags.com/publication/4edaf3ad?page=83"> Your Go-To Resource in the Insurance Industry. </a> <a title="Best's Review - November 2016 Edition page 84" href="http://viewer.zmags.com/publication/4edaf3ad?page=84"> Feature “There's no question that w</a> <a title="Best's Review - November 2016 Edition page 85" href="http://viewer.zmags.com/publication/4edaf3ad?page=85"> SOLID TRACK RECORD: The Virginia Pocahontas Parkw</a> <a title="Best's Review - November 2016 Edition page 86" href="http://viewer.zmags.com/publication/4edaf3ad?page=86"> Feature group.Then they hand the facilities back</a> <a title="Best's Review - November 2016 Edition page 87" href="http://viewer.zmags.com/publication/4edaf3ad?page=87"> said.“Public agencies enjoy certain </a> <a title="Best's Review - November 2016 Edition page 88" href="http://viewer.zmags.com/publication/4edaf3ad?page=88"> Legal DISCLOSURES: New York Attorney General Eri</a> <a title="Best's Review - November 2016 Edition page 89" href="http://viewer.zmags.com/publication/4edaf3ad?page=89"> attorneys general. Given the seriousness of the a</a> <a title="Best's Review - November 2016 Edition page 90" href="http://viewer.zmags.com/publication/4edaf3ad?page=90"> Legal indemnify their directors and officers whi</a> <a title="Best's Review - November 2016 Edition page 91" href="http://viewer.zmags.com/publication/4edaf3ad?page=91"> Best's Credit Rating Actions Best's T </a> <a title="Best's Review - November 2016 Edition page 92" href="http://viewer.zmags.com/publication/4edaf3ad?page=92"> Best's Credit Rating Actions Rating Action Busi</a> <a title="Best's Review - November 2016 Edition page 93" href="http://viewer.zmags.com/publication/4edaf3ad?page=93"> BEST'S FINANCIAL STRENGTH RATING GUIDE – (FSR) A </a> <a title="Best's Review - November 2016 Edition page 94" href="http://viewer.zmags.com/publication/4edaf3ad?page=94"> BEST'S ISSUER CREDIT RATING GUIDE - (ICR) A Best'</a> <a title="Best's Review - November 2016 Edition page 95" href="http://viewer.zmags.com/publication/4edaf3ad?page=95"> CoreLogic Scientist: Federal Earthquake Maps Shak</a> <a title="Best's Review - November 2016 Edition page 96" href="http://viewer.zmags.com/publication/4edaf3ad?page=96"> Industry Updates “Unfortunately the number o</a> <a title="Best's Review - November 2016 Edition page 97" href="http://viewer.zmags.com/publication/4edaf3ad?page=97"> Don't Miss the Next Opportunity in Our 20</a> <a title="Best's Review - November 2016 Edition page 98" href="http://viewer.zmags.com/publication/4edaf3ad?page=98"> The Last Word Delayed As customers become accust</a> <a title="Best's Review - November 2016 Edition page 99" href="http://viewer.zmags.com/publication/4edaf3ad?page=99"> At Starr, insurance is not just something we do—i</a> <a title="Best's Review - November 2016 Edition page 100" href="http://viewer.zmags.com/publication/4edaf3ad?page=100"> Expect big things in workers' compensation. Expec</a>